Frequently Asked questions
Click on any ‘Get Quote' button. You will then need to select your policy type, and then answer the questions on the following application pages. Once the questions have been answered, the quotation will be provided instantly.
We estimate that from whole process from the beginning to incepting the policy will take 5 minutes.
Our friendly customer service team would be happy to assist you through the internet quotation system. You can obtain the quotation and pay online. CoverFirst provides an instant online quotation as long as certain criteria are met. If you do not meet these criteria, your application form will be sent to one of our insurance advisors who will contact you within 24 hours.
Quotations are valid for 30 days. If you do not wish to purchase the insurance policy straight away, you will be provided with a username and password, and you can come back later to retrieve your quotation. However, your quotation will be deleted after 30 days.

Our Construction & Liability polices are underwritten exclusively by Tokio Marine & Nichido Fire Insurance Co. Ltd

Tokio Marine & Nichido Fire Insurance Co. Ltd (TMNF) was founded in 1879 as The Tokio Marine Insurance Company, Ltd. As the name suggests, Tokio Marine began its operations in the marine insurance field, where the Company has long been recognised as the world leader. Throughout its history, the Company has expanded its activities to the extent that it now enjoys a leading position in all areas of the non-life insurance field.

TMNF is Japan's largest non-life insurance company and is placed in the top ranking of non-life insurance companies worldwide.

With approximately 17,400 staff members worldwide, TMNF has a firm base of human talent and financial resources from which it provides insurance coverage for a wide variety of risks, makes major investments to contribute to economic development and is engaged in a program of expanding its international business activities.

Tokio Marine & Nichido Fire Insurance Co., Ltd - Australian Branch (TMNFA) underwrites general insurance other than workers' compensation and motor vehicle compulsory third party insurance. It is engaged predominantly in commercial type business submitted to it either directly from clients, through brokers or from other insurance companies.

TMNFA holds an Australian Financial Services License (AFSL 246548) from the Australian Securities & Investments Commission (ASIC) and is authorised to underwrite insurance by the Australian Prudential Regulation Authority (APRA).

You can start the policy immediately. However, if you are renewing a policy, the policy will commence from the renewal date.
When you initially obtained a quotation, you would have been provided with a username and password. On the homepage of the coverfirst website, you can login by entering this username and password. You can then view the quotes that were previously obtained.
You will receive an email with your policy documents and a certificate of currency which will confirm that cover is in place. You can also view these documents securely on the coverfirst website in 'Clienthub'.
You will receive an email with your policy documents immediately once payment has been confirmed.
When you receive an email with your policy documents, this will also contain your username and password. On the homepage of the coverfirst website, you can login by entering this username and password. You can then view your policy online.
CoverFirst receives a commission from the insurer when a policy is incepted. In addition, there may be an administration charge on the policy.
The CoverFirst site uses SSL which means you can rest assured that communications (e.g. credit card numbers) between your browser and this site’s web servers are private and secure when the SSL session is activated. Read more.
Furthermore the online credit card system is provided by PayPal, a reputable and entirely secure system.
No. CoverFirst don't charge additional fees for accepting credit card payments.
You have two payment options, namely credit card using PayPal website and direct deposit.
In order to obtain a quotation, personal information is requested by CoverFirst. This information is solely used to provide you with a quotation and to complete the policy documentation. CoverFirst does not sell or trade customer information. Click here to view the CoverFirst Privacy Policy.
Yes, you have the ability to make policy amendments during the course of the policy period and extend the policy period if so required. On the homepage of the CoverFirst website, you can login by entering this username and password. Note the Maximum Construction Period allowable is 24 months from the commencement of the project.
The insured may cancel the policy at any time by notifying us in writing. On cancellation of any insurance policy effected through CoverFirst, the commission and any fees paid to CoverFirst are non refundable. The insurers will retain the proportion of the premium calculated pro rata as at the date of the cancellation plus a percent of that amount. Please refer to any applicable cancellation provisions in the relevant insurer policy wording. Construction policies will require completion of a declaration stating the value of any works completed during the policy period, resulting in an adjustment notice being issued by the insurer. Note construction policies are also subject to minimum and deposit premiums as stated in the insurers policy wording.
42 days prior to the renewal of your policy, you will be sent an email advising that your policy is due for renewal. You will be provided with login details and a link to enable you to renew your policy with ease.
Click on the ‘Make a Claim’ page. You will be able to download a claim form which you will need to complete and submit to CoverFirst. CoverFirst will provide this to your insurer, who will handle the claim. Alternatively, you can contact our call centre on Tel 02 8055 1609.
If you are not fully satisfied with our services, you should contact our customer relations officer on Tel 02 8055 1609. eSentry Underwriting Pty Trading As CoverFirst subscribe to the Financial Ombudsman Service (FOS) Dispute Facility, a free consumer service. Further information is available from our office and website. If you are not satisfied with any of our services, please contact our office.
You should read the policy wording for the relevant insurer which is on our website and is available at the time that a quotation and policy is provided.
If you have forgotten your password, simply Click the 'Manage your policy' button and Click on the 'Forgotten Password' link, you will be required to enter your email address, the Password will be immediately emailed to your nominated email address.
The verification email is a safe guard against software agents or robots that run autonomously and automatically, most commonly associated with malicious software. CoverFirst utilises this process to ensure the protection of our intellectual property and deliver a faster website experience.
Average Condition applies to some sums insured in the Standard Cover. This means that in circumstances where you are required to specify a particular value (e.g. market value or replacement value) and the amount you specify is inadequate, any claim on an aspect of the Policy subject to "Average" will be paid in the same proportion as the amount you specified bears to 90% of the value which was required to be specified.
You have the ability to extend the policy period if so required. On the homepage of the CoverFirst website, you can login by entering your username and password. Extensions of policy coverage are subject to our online acceptance criteria. Note the Maximum Construction Period allowable is 24 months from the commencement of the project.
On the homepage of the CoverFirst website, you can login by entering your username and password. Within Clienthub you can view or download a copy of your current Certificate of Insurance, Policy Schedule and view Invoices.
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Apply Now Just 2 minutes to a quote then buy online. GET QUOTE
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view quotes and manage your policy login here
We're here to help
Apply Now Just 2 minutes to a quote then buy online. GET QUOTE
learn more about cover first read more
view quotes and manage your policy login here