Our verdict
Pros
- Get a No Claim Bonus of up to 30% if you haven't claimed for 5 years.
- Flexible payment options - pay monthly at no extra cost.
- Get 10% of your first year's premium if you buy a home and contents policy online.
Cons
- There's no underinsurance protection, which could leave you out of pocket.
- Our cost research indicates Australian Unity is more expensive than average.
- The 14-day cooling off period is shorter than what's offered by many other brands.


