Fast protection: backed by Pocket expertise.

These are the same policies a broker would arrange for you— and underwritten by respected insurers and Lloyd’s. Same coverage, same claims process. The difference is speed and self-service. If you know exactly what you need, Direct is faster. If you’re unsure, speak to a broker.

We accept Visa, Mastercard, and American Express. Payment is processed securely through our payment gateway. You can also pay by bank transfer for annual policies.

Yes. You’ll receive a tax invoice immediately after payment, plus your policy schedule and certificate of currency.

Claims are handled by Pocket. You can lodge a claim here or by calling 1300 475 092 or emailing claims@withpocker.com.au.

Your policy documents include full claims instructions.

Yes. You have a 14-day cooling-off period from the date you bind your policy. If you cancel within this period and haven’t made a claim, you’ll receive a full refund minus any government charges (e.g., stamp duty). After 14 days, you can still cancel but refunds are pro-rated based on time on risk.

If you realise you’ve purchased the wrong product (e.g., Allied Health Liability instead of Professional Indemnity), contact us immediately at hello@withpocket.com.au. We’ll help you get the right cover and may be able to adjust or refund your original policy depending on timing.

Yes. If you need to increase your cover limit, extend your policy period, or add additional coverage, contact us and we’ll arrange the adjustment. Some changes may require underwriter approval.

Use Direct when:

• You know exactly what insurance you need
• You’ve purchased this type of policy before
• Your situation is straightforward (no complex risks)
• You want instant cover

Speak to a broker when:

• You’re not sure what cover you need
• You have multiple risks to protect (we can package them)
• Your situation is complex or unusual
• You want someone to review your full business risk

No. Brokered and Direct products cost the same—you’re paying for the insurance, not the service. The difference is in how much advice and support you receive.

Absolutely. If you start with Direct and later want a broker to review your insurance, just contact us. We’ll assign you a broker who can audit your existing cover and make recommendations.

Yes. We use encryption (SSL) to protect your data. Your payment information is processed through PCI-compliant payment gateways. We never store your full credit card details.