Frequently Asked Questions

Got questions? We have the answers! If you can’t find the answer you’re looking for please give us a call now and let our market-leading customer support team help you with what you need.

Payment Options

We understand that cash flow can sometimes be a problem for small businesses so we provide different payment methods to suit your business:

1.Credit Card
Pay the total policy fee upfront on your choice of card, we accept VISA, MasterCard and AMEX (extra 1.75%). You will get your policy documents immediately with this method.

2.Monthly instalments
We can also organise for you to pay in monthly instalments, there is a small fee associated with this. Speak to one of our sales team to find out more or click here to read the terms and conditions.

No. All BizCover policies can be purchased up to 30 days in advance. This means you can get organised now, receive your policy certificate and avoid the hassle later on.

Absolutely. Our friendly services team is eager to help you make sure you have the right cover for your business. There’s nothing worse than paying for insurance you don’t need and it’s always easy to increase your cover and pay the pro-rata increase later on.

Getting a Quote

All it takes is a few easy steps. Click “Get Instant Quotes” and then all you need to do next is answer a few simple questions about yourself and your business so we can tailor the insurance directly to you. From there we’ll do the rest, providing you with instant quotes right on screen. Simple, huh?

From beginning to end? Roughly ten minutes, and that’s including us emailing your policy documents directly to you. If you don’t meet the criteria necessary for instant quotes, you can still expect contact from an insurance advisor within 24 hours to help you sort out your insurance.

Yes, simply call 1300 920 875. BizCover is all about choices, meaning you can obtain quotes by phone and pay directly over the phone, or just use our handy online service. It’s all about you! In any case our customer service team is just that, at your service!

Quotes are valid for 30 days and after that you’ll have to let us quote you again.

We’re proud to work with Australia’s leading insurers and you’ll be sure to see the country’s top companies in our extensive and expanding list. Currently insurers providing instant online quotes are:

  • AIG, a member company of American International Group, Inc.
  • Allianz Australian Limited
  • Hollard (RelyOn Insurance)
  • QBE Insurance (Australia) Limited
  • Point Insurance
  • DUAL International, offer policies on behalf of Lloyds of London
  • Vero Insurance Ltd (Vero) is a member of the Suncorp Group of companies
  • W.R.Berkely (Australia) Limited
Policy Information

Immediately, so get started today! If you renew a policy it will start from the renewal date.

We would have provided you with a username and password when you obtained those initial quotes. Feel free to login again on our home page and find the quotes you’ve previously obtained. We’ll be glad to see you back! If you’re having trouble, simply call 1300 920 868 and reference your email address.

You will automatically receive an email with your policy documents and a certificate of currency, which will also be available to view on our website. This handy online confirmation is all you’ll need!

An email with these documents will be sent to you immediately upon credit card payment.

The email including your policy documents will also include your all-important username and password. By using this login on our website you can view your policy at any time.

You’re in the drivers seat! You have the ability to make amendments during the policy period. Simply use your username and password to login on our website or call 1300 920 868 and we’ll do the rest.

We receive a commission from the insurers when the policy goes through, as well as a possible administration charge on the policy.

Policy Renewals

No problems. The best approach is to call our friendly service team who can make the necessary amends to your account and provide you with a new policy price over the phone. Or you can go online and update your details and you’ll receive new quotes based on your new information. In many instances prices do go down so don’t be afraid to.

Your policy will be continuous and start from your expiry date to ensure you get the full period you paid for previously.

We understand that cashflow can sometimes be a problem for small businesses so we provide different payment methods to suit your business:

  • Credit Card

    Pay the total policy fee upfront on your choice of card, we accept VISA, MasterCard and AMEX (extra 1.75%).
  • Monthly instalments

    We can also organise for you to pay in monthly instalments, there will be a small fee associated with this. Speak to one of our sales team to find out more.

We realise that you would prefer to be focussing on running your business rather than doing the admin, so we’ve tried to make our renewals process as simple as possible. Most of our customers qualify for auto renewal, which means we will send you an email 21 days before your policy is due to expire and if nothing has changed your policy will be automatically renewed. No fuss! If you don’t qualify for auto renewal, there’s no need to worry as the process also quite simple! We will send you an email 31 days before renewal outlining the steps that you need to take to renew your insurance.

We are focused on making life as easy for our customers as possible, and this means cutting out the unnecessary work. Auto renewals mean we do all the work and renew the policy so that customers can relax knowing that their cover is continuous.

The process is simple. We will send you an email 21 days before your policy is due to expire with your renewal details, including renewal amount and the last four digits of the credit card we’ll use to take the payment. If those details are all still correct, then there is nothing else for you to do. We will charge your card three business days before your expiry date. If you need to make any changes that’s not a problem, just call one of our team on 1300 549 568 and they will be happy to help.

We’ll try to take the payment using the same credit or debit card that you used last year. If your card details have changed just give us a call and we will update them.

That’s not a problem at all. Please give us a call on 1300 549 568 and we will sort this out for you.

Just give us a call on 1300 549 568 within 14 days of your renewal and we will refund your premium in full.

Privacy & Security

We take pride in our top-notch security system, which utilises SSL and our payments provider EziDebit. These world-class services mean your details will be secure from activation onwards. You can always read more about our privacy policy.

Ezidebit is one of Australia’s largest non-bank electronic payment processors. Ezidebit is Level 1 Payment Card Industry (PCI) compliant and is a participating member of the PCI Security. Ezidebit is licensed by the Australian Securities and Investment Commission (ASIC) as an Australian Financial Services Licensee (no. 315388). They are fully sponsored with Westpac and are audited by ASIC annually. “Ezidebit – BizCover” will appear as the merchant for all payments from your credit card.

Because our service is all about finding the best insurance for you we require some personal information to obtain those perfectly tailored quotes. You can trust that your information is safe with us and will be used only to provide quotes and implement the policy documentation. We would never sell or trade our customer information, we value you much too highly for that! If you opt in, we may occasionally send you marketing material and other special offers. You can read our privacy policy to find out more

Cancellation Information

Yes, you can cancel your policy at any time although we don’t think that’s wise. Your policy is relevant at the time of the claim against you, not when the actual work was done. Because we can’t predict when or if these claims will happen it’s a good idea to always have cover. Most retirees even have cover long after the work is done! There is always some risk, so remember that before you choose to cancel. It’s also a good reminder to continue to renew and update your policy. If you simply must cancel your policy we require written notice. Cancelations can be done by emailing us at Don’t forget to include your policy number, the date you’d like cancelation to take place, the reason that you’re cancelling your policy and your bank details for the EFT refund.

When you submit your written cancellation notice the commission and fees paid to BizCover aren’t refunded. As for the insurers, they’ll retain the proportion of the premium calculated pro rata as of the cancellation date as well as a percentage of that amount. There may be some other cancellation provisions so be sure to check the policy of your insurer.

Making A Claim

In order to make a claim (or report a circumstance which may lead to a claim) you will need to complete a claims form – please click here to download.

– Once completed you can send it by email to: and we’ll manage the process directly with the insurer.

Let’s first go over the correct terminology. A claim is defined as another party making a threat, written or verbal, against you, seeking compensation for negligence or wrongful actions. A circumstance is the stage before that, where you can reasonably suspect that a claim will be made in the near future. If this sounds like it’s happening to you, report it ASAP by completing a Claim Notification form and sending it by email to:

Making A Complaint

Here at BizCover, we welcome and value customer feedback. We want you to tell us if you are dissatisfied with our products or service.  If you have a complaint please let us know, as it gives us an opportunity to address your concerns and improve.

Our complaints and disputes resolution service is available to you free of charge.

If you have a complaint, please contact our Customer Resolution Officer as soon as possible so that we may attempt to address your concerns. The Customer Resolution officer may be contacted by telephone on 1300 920 868 or email

For further information on our complaint process as well as on external resolution options, see our Resolving Customer’s Complaint and Disputes Brochure.