Motor vehicles and fleets
Third party to comprehensive motor and fleet cover.
Personal Accident And Sickness Insurance at every turn.
0418 166 122Compare personal accident and sickness insurance quotes from multiple Australian insurers. Insurance quotes from a licensed Australian broker with Steadfast network access.
By requesting a quote you accept our financial services guide and privacy policy. General information only.
10 Years Advising Steadfast Network Access Licensed Australian Brokers Australia-Wide
Quotes That Are Fast And Easy
Get a quote fast. Compare quotes from multiple insurers. Get the best deal for your personal accident and sickness insurance.
How Do You Get Started?
We make personal accident and sickness insurance fast and easy at Insurance Time. Get a quote today.
-
Start a quote.
Fill the quote form above, or call us on 0418 166 122.
-
Quotes gathered.
Our team will approach insurers and gather your options.
-
You're covered.
Choose your option and receive your policy documents.
Why Choose Insurance Time
Protect yourself with cover arranged by a licensed Australian broker who explains it in plain English.
Professional
Our team are experienced in personal accident and sickness insurance and licensed to advise on it.
Experienced
Ten years advising Australian families and businesses, with Steadfast network access.
Renewal management
Our team will manage your renewals and keep you informed and up to date.
24/7 claims
Notify us of a claim 24/7, 365 days a year.
Cover Options
We can arrange different levels of cover for you and your business.
Public liability
Protection for third party property damage or personal injury.
Business package
Customised cover for your business assets and liabilities.
Personal insurance
Protection for you and your family.
Property
Protection for your personal and business premises and contents.
Workers compensation
Cover questions for your employees and workers.
Get A Quote. It's Complimentary.
It's time to review your personal accident and sickness insurance.
General information only. Any cover depends on the PDS, TMD, eligibility, underwriting, and policy terms. We use your details to respond to this enquiry.
24+ years of Shahid Mohammad's insurance experience
PDS/TMD terms checked before decisions
Phone first direct Shahid Mohammad contact path
Next step quote, renewal, or advice pathway
Broker proof
Talk it through with Shahid Mohammad before you decide.
A named Insurance Time broker can help turn this cover question into a practical review path. Call Shahid Mohammad directly or book if a scheduled conversation is easier.
- 24+ years of Shahid Mohammad's insurance experience behind broker-led conversations.
- PDS, TMD, eligibility, underwriting and policy terms stay central.
Cover review
Establish what is being replaced
Who is covered
Sole traders, working directors, contractors, and nominated key people are the usual subjects.
Injury and illness
Some arrangements cover injury only; adding sickness generally changes the terms.
Waiting and benefit periods
How long before benefits start and how long they run are the two main levers.
Covers commonly discussed
How it differs from income protection
Personal accident cover overlaps with income protection but is generally structured differently, which is why the two are often compared side by side.
Weekly benefits
Generally pays a weekly amount while you cannot work due to a covered injury or illness.
Capital benefits
Many policies include lump sums for defined serious injuries, subject to the policy terms.
Business or personal
It can be arranged by the business over key people or by an individual over themselves.
Common questions
Questions worth asking before you decide.
Use the first conversation to clarify documents, timing, fees where relevant, and the policy terms that need checking before advice, quote, renewal, or claims-support steps.
How is this different from income protection?
Income protection is generally a longer-term personal insurance assessed on income and health, while personal accident and sickness cover is often shorter in benefit period and can be arranged by a business. They are frequently compared together.
Does it cover injury outside work?
Many personal accident policies cover injury twenty-four hours a day rather than only at work, but this varies by wording and is worth confirming.
Can a business insure a key employee?
Yes, arranging cover over nominated people is a common structure. Who benefits and how it is taxed is a normal thing to work through.
Our Partners
Next action
Talk to a broker about this cover question.
Call Shahid Mohammad, book a short review, or use the contact page about personal accident and sickness insurance questions. General information only; your options depend on the PDS, TMD, eligibility, underwriting, and policy terms.