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income.insuranceonline.com.au

How can we help you today?

Whether you’d like to explore Income Insurance Online options, check your eligibility, or learn more about our referral services, we’re here to assist. You can start your enquiry online and connect directly with a licensed professional suited to your needs.

We also value your feedback and suggestions — they help us continually improve the Income Insurance Online experience and ensure our services meet the needs of our users.

For general questions, compliments, or complaints not related to a quote, please use our online contact form so we can direct your enquiry to the appropriate department promptly.

Contact Details

Mailing Address:
PO Box 1183
Palm Beach, Queensland, Australia 4221

Office Location:
43 Larch Street
Tallebudgera, Queensland, Australia 4228

Complaints Handling

If you have a concern or complaint about any aspect of our service, including the way your personal information has been handled, please contact us in the first instance. We will acknowledge your complaint promptly and aim to resolve it within a reasonable timeframe in accordance with our internal complaints procedure.

If you are not satisfied with our response, you may refer your complaint to the Australian Financial Complaints Authority (AFCA) — an independent external dispute resolution scheme approved by ASIC:

For complaints relating specifically to privacy or the handling of personal information, you may also contact the Office of the Australian Information Commissioner (OAIC):

Privacy and Information Handling

Any personal information you provide via this website will be handled in accordance with our Privacy Policy. We collect this information to respond to your enquiry, manage your request, and, where applicable, refer you to a licensed professional. You can request access to or correction of your personal information at any time by contacting us in writing.

Licensing and Regulatory Information

This website is operated by Clark Family Pty Ltd (as Trustee for the Clark Family Trust), located at 43 Larch Street, Tallebudgera QLD 4228, A.C.N. 010 281 008.

Clark Family Pty Ltd is an Authorised Credit Representative of Saccasan Pty Ltd (Australian Credit Licence No. 386297) and an Authorised Representative of Unique Group Broker Services (Australian Financial Services Licence No. 509434).

For more information about licensing and regulatory matters, please visit the ASIC website.

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Insurance News

School Holiday Travel Highlights a New Test for Insurance Cover
School Holiday Travel Highlights a New Test for Insurance Cover
05 Jul 2026: Paige Estritori
Australia’s winter school holiday rush has put travel insurance back in the spotlight, with families heading to Bali, Fiji and Thailand, skiers travelling to New Zealand and domestic holidaymakers chasing either snow or sunshine closer to home. But this year’s peak period is unfolding against a more unsettled backdrop: geopolitical tension, airspace closures, airline disruption and a growing expectation that insurers should do more than reimburse costs after the event. - read more
Strata Insurance Breaches Put Transparency Back in the Spotlight
Strata Insurance Breaches Put Transparency Back in the Spotlight
05 Jul 2026: Paige Estritori
The latest scrutiny of strata insurance arrangements is a timely reminder that insurance governance is no longer a back-office issue for property professionals. On 30 June 2026, the Insurance Brokers Code Compliance Committee released findings from a review of broker-agent arrangements in strata insurance. The review examined seven brokers with 1,088 strata representatives and identified weaknesses across representative agreements, remuneration disclosure, conflict management and oversight of conduct. - read more
Why Insurance Pricing Is Becoming More Client-Specific
Why Insurance Pricing Is Becoming More Client-Specific
05 Jul 2026: Paige Estritori
Australia’s commercial insurance market may be softening on the surface, but the latest industry commentary suggests small businesses should be cautious about assuming every policy will automatically become cheaper. The emerging message is that the old idea of a single hard or soft insurance market is giving way to a more targeted pricing environment, where insurers assess each line of cover, occupation, location and claims history in much greater detail. - read more
What Haven’s New Liability Offering Means for Restaurants
What Haven’s New Liability Offering Means for Restaurants
05 Jul 2026: Paige Estritori
Australian hospitality operators have another liability option to watch, after Haven Underwriting added broadform liability cover to its product line-up, backed by capacity from Mitsui Sumitomo Insurance. The product is aimed at several customer groups, including cafés, restaurants, wine bars and associated hospitality risks, with a stated limit of up to $20 million per policy. - read more
Cyclone Pool Delivers Some Relief for High-Risk Strata Schemes
Cyclone Pool Delivers Some Relief for High-Risk Strata Schemes
05 Jul 2026: Paige Estritori
The ACCC’s fifth and final insurance monitoring report has given strata committees in cyclone-exposed regions a clearer view of what the Cyclone Reinsurance Pool is—and is not—achieving. Released on 25 June 2026, the report found that the pool has helped reduce or moderate premiums for policyholders in higher cyclone-risk areas, including residential strata schemes. - read more
Life Insurance Articles

Deciphering Your Policy: A Beginner's Guide to Insurance Terminology
Deciphering Your Policy: A Beginner's Guide to Insurance Terminology
Welcome to the world of insurance – a domain where words like 'deductible' and 'premium' can significantly impact your financial protection and peace of mind. As a beginner, grasping the basics of insurance terminology is the first step towards making informed decisions about the policies that safeguard your assets and future. In this guide, we will embark on a journey through the language of insurance, which can often seem as complex as the policies themselves. - read more
Income Protection vs. Total Permanent Disability: Which Is Right for You?
Income Protection vs. Total Permanent Disability: Which Is Right for You?
Financial security is crucial in today's unpredictable world, where unexpected events can disrupt the stability and comfort of our daily lives. For Australians, protecting one's income and lifestyle from unforeseen circumstances is a key component of personal finance. - read more
Income Safety Net: How to Choose the Right Income Protection for Your Lifestyle
Income Safety Net: How to Choose the Right Income Protection for Your Lifestyle
In the face of life's unpredictable twists and turns, few things are as disconcerting as the possibility of suddenly losing your ability to earn an income due to illness. Such events are often unexpected and can have significant financial repercussions that interrupt not only your flow of daily life but also compromise your future plans. - read more
Income Protection Insurance: A Lifeline for Freelancers and Contractors
Income Protection Insurance: A Lifeline for Freelancers and Contractors
In today's dynamic gig economy, freelancers and contractors are an essential part of Australia's workforce. Choosing flexibility and autonomy over traditional roles, these professionals enjoy the freedom to manage their schedules and select projects that align closely with their interests. However, this lifestyle brings unique challenges, especially regarding financial security. - read more
How to Compare Income Protection Policies When You Have a Medical History
How to Compare Income Protection Policies When You Have a Medical History
In today's ever-changing world, financial security is a cornerstone of peace of mind, particularly for Australians grappling with medical histories. Income protection insurance emerges as a pivotal solution, safeguarding not only the individual’s fiscal health but the well-being of their dependents. This introduction explores the nuances of income protection insurance and its particular significance for those with pre-existing medical conditions. - read more

Knowledgebase
Aggregate Limit:
The maximum amount an insurer will pay for all covered losses during a policy period.