How Honest Insurance compares
Every figure on this site should be checkable. This page tells you where each one comes from, how we order results, and where our data stops.
Where our premiums come from
1,876 of 1,921 policies on this site carry a premium we have traced to a published source, with the date we took it. The rest are illustrative examples and are labelled as such on every card. We would rather show you that distinction than hide it.
| Category | Policies | Sourced | Basis |
|---|---|---|---|
| Car Insurance | 10 | None yet | Illustrative example — not a sourced quote |
| Health Insurance | 1568 | 1568 of 1568 | Family cover, QLD, verified 1 August 2026 |
| Dental Insurance | 308 | 308 of 308 | Single parent cover, NT, verified 1 August 2026 |
| Home & Contents | 8 | None yet | Illustrative example — not a sourced quote |
| Travel Insurance | 7 | None yet | Illustrative example — not a sourced quote |
| Pet Insurance | 6 | None yet | Illustrative example — not a sourced quote |
| Life Insurance | 7 | None yet | Illustrative example — not a sourced quote |
| Business Insurance | 7 | None yet | Illustrative example — not a sourced quote |
Health and dental: Commonwealth open data
Health and dental premiums come from the PrivateHealth.gov.au open dataset published monthly on data.gov.au by the Commonwealth Ombudsman, licensed CC BY 3.0 AU. We currently use the 1 August 2026release and refresh when a new one is published. Each card shows the regulator’s own product code so you can look the policy up yourself.
We cover 1,876 products from 11 funds across all 7 rating regions and all 4 cover scales. Health premiums are set by state and by who is covered, so choosing those on a comparison page changes the actual published rate — it is not a display filter. There is no separate ACT region: the Commonwealth rates ACT together with NSW, which is why that option reads NSW/ACT.
Premiums shown are monthly at 100% — before the Australian Government Rebate, which reduces what most people actually pay based on age and income. Your own rate will differ.
We exclude products restricted to employees of particular organisations, since you cannot buy them. From what remains we show the cheapest product each fund offers at each government hospital tier, and for dental the cheapest extras policy from each fund covering both general and major dental.
The other categories
Car, home, travel, pet, life and business insurance have no equivalent public dataset — premiums are priced individually, so there is no published rate to cite. Those cards carry illustrative figures and say so plainly. Use them to compare what a policy covers, not what it costs, and get a live quote for price.
How we order results
The default ordering is breadth of cover: how many of the listed features a product’s own documentation says it covers. You can re-sort by price at any time. Ordering is never influenced by whether a provider pays us, and we do not sell placement.
Breadth is not the same as quality. A policy covering more features is not automatically better for you — a cheaper policy covering only what you need may be. We publish the ordering rule so you can decide how much weight it deserves.
What we do not compare
We do not compare the whole market. We show a subset of Australian insurers, and there are products — including some good ones — that never appear here. A provider being absent says nothing about its quality. For health and dental we show the cheapest product per fund per tier, so a fund’s other products are not listed even though they exist.
How we get paid, and what it does not buy
We earn a referral fee when you click through to some insurers. That fee does not affect which policies appear, their order, or how they are described. We do not run display advertising, and we do not sell sponsored positions in comparison tables.
When we are wrong
Insurance data changes and we will get things wrong. If a figure here does not match what the insurer tells you, the insurer is right and we want to know — tell us and we will correct it and update the verified date. Health premiums are refreshed when the monthly Commonwealth dataset is republished.
What we are not
Honest Insurance is not an insurer, broker or financial adviser, and holds no Australian Financial Services Licence. Nothing on this site takes account of your objectives, financial situation or needs, and nothing here is a recommendation that a product suits you. Always read the Product Disclosure Statement and Target Market Determination before buying. Disputes about an insurer go to the Australian Financial Complaints Authority, free of charge.