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947 Comments

Richard Laycock

Richard is the Insurance Editor at finder, and has been wrangling insurance Product Disclosure Statements for the last 4 years. When he’s not helping Aussies make sense of the fine print, he can be found testing the quality of Aperol Spritzes in his new found home of New York. Richard studied Journalism at Macquarie University and The Missouri School of Journalism, and has a Tier 1 certification in General Advice for Life Insurance. He has also been published in CSO Australia and Dynamic Business.

Recent Activity

Hi B, Sorry for the confusion and thanks for flagging. We spoke to HBF and it does depend on your extras cover but the vaccination falls under travel vaccinations. We've updated the article to make that clear. Sorry for the inconvenience, Richard

Commented on Vaccinations for children

Hi B, Thanks for getting in touch. According to the HBF extras cover product disclosure statement, there is provision for cover for the meningococcal vaccine under the Wellness benefit. All the best, Richard

Commented on Vaccinations for children

Hi Ron, Thanks for getting in touch and bringing this discrepancy to our attention. Natural disasters used to be covered as standard but it now looks like you need to buy optional upgrade, Natural Disaster cover. We have amended the page to reflect this. Sorry for any inconvenience, Richard

Commented on Tick Top Travel Insurance

Hi Stephen, Thanks for getting in touch. finder.com.au is a comparison service and we are not permitted to provide personalised financial advice. When using the comparison tool have you tried using any of the advanced filtering tools? The default results displayed represent the policies that offer the best value based on the price of the policy and services covered from the funds in our panel. You can choose to sort the results by price and also include the policies from funds not in our panel. I hope this was helpful, Richard

Commented on Family health insurance

Hi Barbara, Thanks for getting in touch. If you would like to reach Budget Direct you can call them on 1800 182 310. All the best, Richard

Commented on Budget Direct Home Insurance

Hi Jean, Thanks for getting in touch. I'm sorry to hear you were negatively affected by the rise in health insurance premiums. If you would like to compare your options and find a policy that is better suited to your budget, just visit our health insurance home page and use the quote comparison tool. You can sort the policies by price or the value for money the policies offer. If you would prefer to speak with an adviser about the funds in our panel, you can do so by completing the contact form on this page. Once you've done so an adviser will be in touch by phone to walk you through your options. Best of luck, Richard

Commented on Health insurance for seniors over 70

Hi John, Thanks for getting in touch. Unfortunately, the funds in our panel will only cover you for medical expenses incurred in Australia. Cheers, Richard

Commented on Travel insurance for Australian expats

Hi Barry, Sorry to hear you're having issues with the price rise. Unfortunately, increasing health costs due to the ageing population, improved medical testing and other factors have forced health funds to increase their premiums. If you would like to compare your options in hopes of finding a more affordable option, you can do so by entering your details into the comparison tool at the top of the page. All the best, Richard

Commented on Seniors health insurance

Hi Sue, Thanks for getting in touch. Some funds will provide you with discounted gym memberships but it will depend on your policy. For more information, please head over to our health insurance and gym memberships article where you will find what you may be able to claim from each fund. Cheers, Richard

Commented on Looking for cheap health insurance?

Hi Renee, Thanks for getting in touch. To review your options, please enter your details into the comparison tool above. Once you've done so you will be able to review policies from 30+ funds based on the value of the policy or simply on price. All the best, Richard

Commented on Hospital and extras cover

Hi Hans-Dieter, Thanks for getting in touch. Please enter your travel details into the comparison tool above. Once you have done so you will be able to review the levels of cover offered by the brands in our panel, including cover for cancellation and evacuation. All the best, Richard

Commented on Compare cruise travel insurance

Hi Judith, Thanks for getting in touch. finder.com.au is a comparison service and Cota is not currently one of the brands we have access to. If you would like to get a quote from Cota, you will need to go to their website. If you would like to compare the brands in our panel, please head over to our travel insurance home page. You may also find our travel insurance for flights only article helpful. All the best, Richard

Commented on Cota Travel Insurance

Hi John, Thanks for getting in touch. You will need to contact Bupa directly about this matter as the exact cover would depend on the treatment and your policy. Cheers, Richard

Commented on Bupa Health Insurance

Hi Jack, Thanks for getting in touch. If you feel that you've been unfairly assessed, you can go through your insurers internal dispute resolution process. If after that you're still unsatisfied, you can contact the ombudsman. Cheers, Richard

Commented on Home Insurance

Hi Ian, Thanks for getting in touch. Unfortunately, the insurance brands in our panel only offer cover while in Australia. Cheers, Richard

Commented on Comprehensive Car Insurance

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