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Frequently Asked Questions

Honest answers to all of your questions about home loans and insurance.

Do you provide house and contents insurance?

Yes, we are able to assist with all your General Insurance needs including Home, Motor, Boat, Landlords & Business Insurance – all with no fee for service.

How do I change insurers?

You can change insurers at any time to allow for changes in your circumstance. Speak to your Able Insurance consultant who will be able to discuss amending your insurance today.

How can I insure my artwork?

Most insurers will allow up to $15,000 per piece of Artwork covered as Standard under your policy. If, however, you feel you have items worth more than this amount, let your Able Insurance Consultant know and they can have it specified on your schedule.

Do you provide car insurance?

Yes, we are able to assist with all your General Insurance needs including Home, Motor, Boat, Landlords & Business Insurance – all with no fee for service.

Do you provide business insurance ?

Yes, we are able to help with all your Business Insurance needs including Business Insurance packs, Public Liability, Professional Indemnity and Commercial Motor Packages.

Do you provide public liability insurance ?

Yes, we can insure your Public Liability either separately or as part of a Business Insurance package. You can apply for $5m, $10m or $20m cover and also include goods in your care, custody or control.

Do you provide landlord's insurance

Yes, we are able to assist with all your General Insurance needs including Home, Motor, Boat, Landlords & Business Insurance – all with no fee for service.

Can you insure my boat?

Yes, we can insure your fishing boat right through to luxury yachts and speed boats.


Which insurers do you use?

We have over 50 insurers and underwriting agencies to choose from including major insurers TIO, CGU & QBE. Depending on your situation, we will find the cover that best suits your needs at the most competitive premium.

Can I pay my premiums monthly?

Depending on your situation and your insurer, a large range of insurers will allow you to pay monthly with no additional fees. Speak to your Able Insurance consultant on whether you will qualify for monthly premiums.

Is it cheaper to pay my insurance annually?

Generally speaking, there are no discounts for paying your insurance annually. However, depending on your situation and your insurer, a large range of insurers will allow you to pay monthly with no additional fees or costs. Speak to your Able Insurance consultant on whether you will qualify for monthly premiums.

Can I increase my excess to lower my premium?

One of the most effective strategies to reduce your premiums is to take advantage of amending your excess higher. By “self-insuring” a larger part of your first portion of your insurance, the excess, you will reduce your premiums by up to 40%.

 

How do I make a claim?

As an customer of Able Insurance we will look after all your claim requirements to ensure your claim is promptly looked after by your insurer. We will liaise with the insurer and repairer to make sure your claim is settled in a timely manner.

 

Do I get a discount if I have all of my insurance policies together?

Depending on your insurance setup you could be eligible for Multi Risk discounts of up to 10%. Once you add all your risks on, this can add up to some large premium savings.

I have sold my car & need to change my policy,
can you help?

You can change your insurance at any time to allow for changes in your circumstance. Speak to your Able Insurance consultant who will be able to discuss amending your insurance today.

I have moved adress and need to change my policy,
can you help?

You can change your insurance at any time to allow for changes in your circumstance. Speak to your Able Insurance consultant who will be able to discuss amending your insurance today.


Can you insure my jewellery?

Most insurers will allow up to $2,500 per piece or set of Jewellery covered as Standard under your policy. If, however, you feel you have items worth more than this amount, let your Able Insurance Consultant know and they can have it either specified on your schedule or added as a valuable item.

Can I insure item I take outside of my home?

Yes, insurers will have limits in which they will cover as standard under their policy. However, if you feel these items will be over the specified limits, contact your Able Insurance consultant and they can discuss placing this as a valuable item on your policy, for a small premium increase.

 

Do you do travel insurance?

We are able to provide Corporate and Domestic Travel packages for yearly Travel Insurance options. Speak to your Able Insurance consultant today for further options.

How long have you been providing insurance for?

Our consultants have been in the business and mortgage business for over 14 years and have been covering insurance needs for over 5 years. 

 

Which insurance group?

Able Insurance Services NT are licenced under Community Broker Network, Australia’s largest general insurance Authorised Broker Network, who are also a member of the Steadfast Broker Network.

Which insurance company?

Able Insurance Services NT are able to provide Insurance Solutions with a range of leading insurers, underwriting agencies, premium funders and other strategic partners.

Which insurance is best?

There is no one size fits all for insurance. Obtaining the lowest premium can result in gaps in cover and covering all aspects of your Domestic/Business Life can result in unaffordable premiums. Able Insurance discuss and tailor your insurance cover to suit your needs.

Which insurance category is my car?

There are 2 major forms of Car Insurance, Domestic and Commercial. Which insurance cover is best, will depend on the majority use of the vehicle. Discuss your situation with your Able Insurance consultant to see what form of cover best suits your needs.

Crowley Wealth Pty Ltd T/as Able Insurance Services NT CAR 335083 | ABN 42 134 905 454 Authorised Representative of Community Broker Network
PTY LTD AFSL 233750 | ACN 096 916 184                    S & K Crowley Pty Ltd T/As Able Finance Service
ABN 85 085 441 372 | Credit Licence #386277

Able Home Loans and Insurance                               
18 Bishop Street Woolner, NT 0820