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5 tips on saving on insurance

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  1. Find out if you actually need private health cover

Private health insurance is vital for some, but Australians have been giving it up in droves in recent years, and we recommend only stumping up for health insurance if you have to. That said, taking out a policy can mean you won’t have to pay as much tax as before, but this depends on your income.

 

  1. Look for cheaper health cover

We’ve found that people with private health cover could save up to $935 a year on hospital cover by switching to a similar policy with a different insurer. There are hundreds of dollars’ difference among providers, meaning you could make big savings if you shop around.

 

  1. Get no-claim and restricted driver discounts on car insurance

Some insurers will discount your premiums if you agree to restrict the use of your car to nominated drivers or those over a certain age. Most insurers also offer a no-claims discount or safe-driver bonus, which could save you up to 70% if you go for a certain period of time without making a claim.

 

  1. Get insurance to match the value of your car

If your car isn’t worth much, save money by getting it insured under a cheaper policy. In fact, it may be worth just getting cheaper third-party cover, which only covers you for damage you cause to other cars. Sticking with the same insurer year after year can lead to you paying more in premiums

 

  1. Get cheaper home cover by letting your insurer know if you’re working from home

As an insurance customer, you’re obliged to update your insurer about changes to your circumstances. If you’re not going in to the office and are staying at home, you’re lowering the risk of your house being broken into and therefore have grounds to ask your insurer for cheaper cover.

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Lifestyle

Australia’s Premier Private Island Getaways

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  1. Satellite Island Just a short boat ride from Bruny Island towards Tasmania’s mainland, you’ll find the unspoiled wilderness of Satellite Island. Experience the island’s natural beauty through walking trails, birdwatching, or kayaking. If you’re feeling adventurous, you can swim in the crisp waters and shuck oysters directly from the rocks. The island’s accommodations blend seamlessly into the lush environment, offering a genuine nature escape.
  2. Pumpkin Island Located in the stunning Southern Great Barrier Reef, Pumpkin Island offers a private haven of lush greenery and diverse marine life. This coastal retreat features eco-friendly accommodations and a variety of activities. Spend your days kayaking alongside sea turtles, snorkeling among coral reefs, or fishing from the shore. Evenings can be enjoyed relaxing on your private bungalow’s balcony or having picnics on the soft white sands.
  3. Makepeace Island Just minutes by boat from Queensland’s fashionable Noosa, Makepeace Island offers a luxurious sanctuary. Wooden boardwalks connect elegant and spacious accommodations to numerous amenities, including a magnificent pool, a 15-seater spa, a tennis court, and a range of kayaks and paddleboards. One of the highlights is the culinary expertise of Executive Chef Zeb Gilbert, who collaborates with guests to create the perfect menu for their stay.
  4. Haggerstone Island Haggerstone Island serves as a dreamy base for exploring the Great Barrier Reef. This exclusive island experience is customized to your preferences, whether it’s jet skiing, snorkeling with vibrant sea life, or kiteboarding along the coast. You can also charter a helicopter to explore the region by air, with opportunities to swim in secluded waterfalls or enjoy picturesque riverside picnics. In the evenings, relax with cocktails on your private balcony and feast on freshly caught seafood.

 

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Lifestyle

Seasonal Nature Experiences in Australia

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1 Staircase to the Moon, Broome

When: March – October
In Broome, a special phenomenon occurs during each full moon. As the moon rises, its light reflects off the exposed tidal flats of Roebuck Bay, creating an optical illusion of a “staircase” leading up to the moon. This enchanting sight can be observed from the Mangrove Hotel’s open-air bar, where the lights are dimmed and locals play the didgeridoo, or you can lay out a rug at the nearby Town Beach night markets.

2 The Turning of the Fagus, Tasmania

When: Late April – May
While Australia is known for its sunny summers, autumn in Tasmania brings a unique beauty. The “turning of the fagus” refers to the transformation of a tree from lush green to vibrant reds and golds. The best places to witness this colorful display are Cradle Mountain-Lake St Clair National Park and Mt Field National Park.

3 Bioluminescent Plankton, Jervis Bay

When: September – February
Jervis Bay, a three-hour drive from Sydney, is famous for its pristine white sand and lush vegetation, but it also hides a spectacular wonder. Due to chemical reactions within plankton, the water sometimes displays swirls of glowing blue along the shore at night. This mesmerizing natural phenomenon is more common during the warmer months.

4 Lavender Fields, Tasmania

When: December – February
Tasmania hosts the largest lavender fields in the Southern Hemisphere, with rows of stunning purple blooms near Hobart and Launceston. Visit Bridestowe Lavender Estate, Tasmania’s most famous lavender farm, or Port Arthur Lavender Farm to enjoy the picturesque plants and a variety of lavender-based products, including soaps, stationery, ice cream, and honey.

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Lifestyle

5 incredible ways to experience the outdoors (Part A)

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  1. Organic Farming

Embrace country life at the organic Jambaroo Valley Farm, south of  Sydney. At this working permaculture farm, guests are invited to pick produce from the kitchen garden, collect eggs from the free-range chickens and feed the cows, sheep and pigs. At night, hang around the fireplace or soak in the hot tub.

 

  1. Reef Magic

It’s time to travel more conscientiously and for the Great Barrier Reef, that means heading to Reef Magic Pontoon, off Cairns. Spend your day swimming, snorkelling and diving in the knowledge the pontoon runs on sustainable power, with 18 solar panels and three wind turbines. There’s also a science lab.

 

  1. Aboriginal Art

Create a masterpiece while learning  about Aboriginal culture and art  during a Ngala Tours Art on Country workshop at the National Arboretum Canberra. 

 

  1. Tassie Penguins

Watch little penguins return to their sandy burrows from Bruny Island Neck.   The best time is from September to  February. 

 

  1. Dog Sledding

If you’re a family of snow lovers    but can’t cope with first-to-last lifts every day, head to Mount Buller to try dog sledding this winter. The Victorian resort is easy to get to, and kids, young and old, will love meeting the Australian Sled Dog Tours team of Siberian huskies. Tours are from 30 minutes to three hours; bookings are a must. 

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