Insurance Advice is an AI-powered platform that analyses insurance policy documents (PDS) for brokers, underwriters, and risk managers. Upload a PDS and get an instant breakdown of coverages, exclusions, conditions, and sub-limits — with every finding cited back to the source clause. Compare policies side by side, identify coverage gaps, and generate compliance-ready documentation.

Manual policy review typically takes 2–4 hours per document and relies on the reviewer catching every relevant clause. Our AI reads the entire document systematically, extracting and cross-referencing every provision. It doesn't get tired, doesn't skip pages, and produces a consistent, documented output every time.

No. Insurance Advice provides factual policy analysis — extracting and presenting what a policy document says. It does not recommend specific products or provide personal financial product advice. All outputs are designed as decision-support materials for licensed professionals who make their own independent recommendations.

We support PDS documents from all major Australian insurers including QBE, Allianz, Zurich, CGU, Vero, Suncorp, and IAG/NRMA. Supported lines include Business Pack, Property, Liability, Professional Indemnity, Management Liability, Cyber, Motor, and Commercial.

Click Sign Up to create your account with just an email — no credit card required. Run your first PDS analysis today on the Complimentary plan, and upgrade to Individual, Corporate, or Enterprise whenever you're ready to do more.

The Complimentary plan lets you sign up with just an email — no credit card required — and run one lifetime PDS analysis with coverage gap detection and clause-level citations. It's a full working sample of the product so you can see exactly what you're buying before paying. Upgrade anytime to unlock monthly analyses, comparisons, compliance exports, and team features.

We offer two paid plans on top of the Complimentary tier: Individual (A$298/month or A$3,216/year, 1 seat) and Corporate (A$2,988/month or A$32,258/year, up to 5 seats with 100 pooled analyses). Annual plans save 10%. Enterprise pricing is available for larger firms needing flexible seats and unlimited analyses. No commissions, no hidden fees, no lock-in contracts. All prices are in AUD ex-GST. Every paid plan includes a 30-day money-back guarantee.

Yes. Upgrade from Individual to Corporate or Corporate to Enterprise at any time — the price difference is prorated automatically. Downgrade at the end of your current billing period. No penalties, no lock-in contracts.

You'll be notified as you approach your monthly limit. Once reached, additional analyses are charged at the overage rate for your plan — $5 for Individual, $4 for Corporate. You can also upgrade to a higher tier for more capacity. Enterprise includes unlimited analyses.

Yes. Every paid plan (Individual, Corporate, Enterprise) is covered by a 30-day money-back guarantee. If Insurance Advice isn't right for you, email us within 30 days of payment and we'll issue a full refund — no questions asked.

Yes. For brokerages needing flexible seats, unlimited analyses with SLA, SSO/SCIM, private deployment, dedicated CSM, or tailored onboarding, contact us at hello@insuranceadvice.app for a bespoke quote.

All data is hosted on Australian servers in Sydney, in compliance with Australian Privacy Principles. We use bank-grade encryption (AES-256 at rest, TLS 1.2+ in transit), multi-tenant data isolation, and comprehensive audit logging. Your data never leaves Australia.

No. Insurance Advice uses multi-tenant data isolation — every account's data is completely separated at the database level. Other users cannot access, view, or query your clients, documents, or analyses under any circumstances.

No. Your policy documents and analysis outputs are never used to train AI models. We use the Anthropic Claude API which does not train on customer data. Your documents are processed for analysis only and stored securely for your reference.

Yes. The platform is designed to align with ASIC Best Interests Duty (s961B), AFSL requirements, the Insurance Brokers Code of Practice, and the ICA General Insurance Code of Practice 2024. All AI outputs are documented and auditable. We do not provide financial product advice — we provide factual analysis tools for licensed professionals.

Every AI analysis generates a timestamped, immutable audit record documenting the policy analysed, the findings extracted, the comparison results, and the source citations. This supports your obligations under ASIC Best Interests Duty (s961B) by providing documented evidence that you considered multiple products and identified relevant coverage differences.

Always. Insurance Advice provides factual policy analysis — not financial product advice. Every output requires your professional review before it reaches a client. You maintain full control over all recommendations. AI provides analysis; professionals provide advice. We never cross that line.

Our AI compares extracted policy terms against industry benchmarks for each line of business. It flags missing coverages, unusually restrictive exclusions, low sub-limits, and conditions that could void cover if not strictly followed. Every finding includes a severity rating and source citation so you can verify and act on it.