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When is a fire not a fire?
If your home is lost or damaged by fire, you should be able to rely on your insurance to cover you. It's what you've paid for.
But right now, insurers are making it too hard to understand if you're covered for such events by relying on tricky terms and vague language.
Will you sign the petition for a standard definition for all natural disasters in insurance policies?
Current campaigns
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Better banking and financial services
It's time for the companies we trust with our money to stop taking advantage of us. Join the fight to keep the banks accountable. -
Stronger product safety laws
The things we buy shouldn't put us or our families at risk. Urge the government to introduce laws to ensure products sold in Australia are safe. -
Improved food and drink labels
Added sugar labelling is in our sights! Can you help us push for food and drink labels that show honest Health Star Ratings as well? -
Easier refunds for lemon cars
Sign the petition to call on major car companies like Mazda and Ford to treat you fairly with a 60-day refund policy for faulty new cars. -
Fairer health care
Sick of high-cost, low-value health insurance? Support our calls for an independent inquiry into Australia's private health system. -
Help us make a difference
Got a minute? Will you take our survey and let us know which issues you want to see us take action on? Your views will shape the campaigning work we do.
What we do
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Policy submissions
View our most recent policy submissions and reports relating to our advocacy work.
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Know your rights
Use our strategies and advice to make sure your complaint gets heard.
Take action
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Fed up with your health insurance?
We've seen countless examples of people being let down by insurers when they need help the most.
Right now we're planning the next stage of our campaign to get an urgent independent review into the private health system.
Will you take 2 minutes to answer a few quick questions on health care so we can better tackle this troubled industry?
Related news
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11 Feb 2020
Junk total and permanent disability insurance in super still a problem, says ASIC
The 'assisted daily living' test means casual workers may be paying for worthless TPD cover. -
7 Feb 2020
Will private health insurance save you money?
Don't fall for misleading marketing – taking out cover isn't always a necessity. -
7 Feb 2020
InvoCare plans backdown on misleading late payment fees
Funeral giant plans to remove a $352 'administration fee' from invoices. -
6 Feb 2020
How does your insurer define a fire?
Insurance industry no longer exempt from unfair contract terms. -
6 Feb 2020
Three big consumer wins from the banking royal commission
Mortgage broker best interests duty, unfair contracts laws extended to insurance, and better regulation for funeral products. -
17 Jan 2020
Health insurance rewards programs from GMHBA, Qantas, Medibank and more
Some health funds offer shopping vouchers, flights and discounts, but at what cost? -
15 Jan 2020
10 things you didn't know were covered by contents insurance
From vet bills to pot plants and the food that went off when your fridge broke down, you might be surprised at what's covered. -
30 Dec 2019
85% of double prams fail CHOICE safety tests: Phil & Teds, Baby Jogger and more
Make sure you're not putting your little ones at risk when you buy a new pram. -
20 Dec 2019
Australia's weak product safety laws
Businesses are not legally required to ensure the products they sell are safe. -
18 Dec 2019
Rights to a refund at Christmas
What can you do if your Christmas gift turns out to be a dud? -
16 Dec 2019
Summer holiday injuries: the most common ways we get hurt
The Christmas and New Year period presents unique risks – on top of hazards posed by millions of unsafe products in Australia. -
11 Dec 2019
'I saved $1800 by switching my private health insurance'
CHOICE writer Pru Engel didn't pay much attention to her health insurance payments... till she was about to get ripped off. -
10 Dec 2019
Private health premium increases announced
The lowest annual increase in 19 years is still higher than the rate of inflation. -
6 Dec 2019
The future of funerals: natural burial, home vigils, DIY coffins and more
In the final of our 4-part series on the funeral industry, we look at the trends disrupting the status quo. -
5 Dec 2019
Rental rights you didn't know you had
The rental market is tough – but you do have some rights. -
2 Dec 2019
Consumer product safety in the UK
The head of consumer protection policy at our UK sister organisation explains how general safety laws help protect UK citizens. -
29 Nov 2019
CHOICE renews call for stronger product safety laws
Submission to Treasury outlines our weak product safety laws and the longstanding threat to consumers. -
25 Nov 2019
We took on big business – and won
How CHOICE supporters fought for essential consumer protections against the financial services industry -
23 Nov 2019
CHOICE calls out Aussie Home Loans' dodgy advertising claims
Complaint to ASIC: promises to find the "best" or a "perfect" home loan are on shaky ground. -
22 Nov 2019
Funeral giant invoices for late payment fees – before you're late
A $352 'administration fee' is a troubling inclusion on InvoCare invoices. -
12 Nov 2019
The 5 worst things about private health insurance in Australia
Private health insurance is in a death spiral in Australia. Here’s why you should sign up for our campaign to change it. -
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11 Nov 2019
How much does your insurance cost?
Australians are paying too much for insurance. We show you how to save. -
8 Nov 2019
Make the most of your extras cover
Need a new set of spectacles, dental check-up or a massage? Now might be the time to get it. -
8 Nov 2019
How to buy the safest toys for babies and kids
With a bit of knowledge and common sense you can avoid dodgy products. -
5 Nov 2019
The latest in our fight against 'pay on time' discounts
We want to stop energy retailers taking advantage of Australians with conditional discounts and late fees on bills. -
1 Nov 2019
Op ed: 'Too much added sugar in toddler foods'
Increasing rates of obesity in toddlers is linked to added sugar in their diets. -
1 Nov 2019
Sweet ingredients found in worrying number of supermarket infant and toddler foods
Ingredients such as fruit puree and fruit juice concentrate may affect children's long-term taste preferences. -
29 Oct 2019
Avoid these overpriced Silver Plus health insurance policies
Australians could be paying up to $1700 more for policies with less cover. -
14 Oct 2019
Do you need health insurance to have a baby?
We compare public vs private care, and reveal the best health insurance policies for pregnancy and birth from both open and restricted health funds. -
10 Oct 2019
AMP Shonky award: Craig felt let down by "awful" customer service
The Queensland carpenter is part of a class action against AMP -
10 Oct 2019
5 things you didn't know about added sugar
Why added sugar labelling in Australia needs to change. -
10 Oct 2019
Unfair contract terms in insurance policies are costing us
CHOICE calls time on dodgy practices in the insurance industry. -
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30 Sep 2019
CHOICE calls on schools and parents to ditch Dollarmites
ASIC finds little evidence school banking works. -
20 Sep 2019
How much do funerals cost?
In the second of our four-part investigation into the funeral industry, we look at how much funerals cost, and how businesses control the way we grieve. -
11 Sep 2019
CHOICE demands action on unsafe products for children
We joined doctors, industry experts and parents at an event in Canberra to campaign for better product safety laws. -
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30 Aug 2019
New funeral cost disclosure regulations announced for NSW
Price transparency laws strengthened after CHOICE investigation. -
30 Aug 2019
How CHOICE won better country of origin labels
The power of sustained public pressure in keeping companies honest. -
29 Aug 2019
Why you should avoid payday loans
Fast-fix payday loans may seem like a good idea, but dodgy lenders are taking advantage of Australians. -
29 Aug 2019
CHOICE stands up to payday loan bullies
We join the call for more government action to protect Australians from dodgy payday lenders. -
29 Aug 2019
Most people don’t get the best deal through a mortgage broker – report
ASIC report highlights the need for strong reform in the mortgage broking industry. -
21 Aug 2019
Health Star Rating review doesn't go far enough
Minor adjustments are only a step in the right direction. -
12 Aug 2019
Car companies reject refund policy: Ford, Hyundai, Nissan and more
"You get better treatment with a $40 toaster than a $40k car." -
11 Jul 2019
The most complained-about car brands in NSW
Ford, Hyundai and Volkswagen are streets behind when it comes to customer care. -
4 Jul 2019
The worst Basic health insurance policies
These policies will cost you more than a cheap Bronze policy, but give you less cover.
