Personal Insurances

Peace of mind for the things you love the most!

The insurance market is crowded with home and lifestyle insurance products and it can be overwhelming to know which one is right for you.

Our carefully crafted policies have been designed and word-smithed to provide the best coverage available. We will work with you to understand your individual circumstances and ensure all areas of your personal life are protected.

In the event of a claim, we are your expert advisor and your advocate so that you do not have to deal with insurance companies on your own. We will help you get the best result every time.

 

Let’s Talk

Kylie Ciechanowicz

Call: +61 2 4350-1241
Email: kciechanowicz@steadfast-irs.com.au

Home & Contents

Studies have shown that 31% of Australian homes are uninsured and of those who have insurance, up to 81% are underinsured. Unfortunately most people will only find out they weren’t properly covered when it’s time to make a claim.

 

Residential Home and Contents Insurance provides a home owner with cover should repair or replacement of a home or its contents be required in the event they are damaged, destroyed or stolen.

We will help you make sure your House and Contents insurance is structured correctly and responds appropriately in the event of a claim.

 

Let’s Talk:

Kylie Ciechanowicz

Call: +61 2 4350-1241
Email: kciechanowicz@steadfast-irs.com.au

Private Motor Vehicle

Do you truly understand the different parts of an auto insurance policy and do you know how to choose the best coverage?

We can make sure you get the right optional coverages to protect you in the event of an accident.

 

  • Compulsory Third Party (CTP) – this is compulsory throughout Australia and covers third party injury or death sustained in an accident involving a registered motor vehicle.
  • Comprehensive – this covers damage to your own vehicle and third party property damage.
  • Third Party Property Damage plus Fire and Theft.
  • Third Party Property Damage only.

 

Let’s Talk:

Kylie Ciechanowicz

Call: +61 2 4350-1241
Email: kciechanowicz@steadfast-irs.com.au

Caravan Insurance

Get piece of mind for your little piece of home. Whether you are on the road, at a caravan park or at home, you need cover. You’ll also be covered for damage to other people’s property.

 

Let’s Talk:

Kylie Ciechanowicz

Call: +61 2 4350-1241
Email: kciechanowicz@steadfast-irs.com.au

Pleasure Craft

Pleasure Craft Insurance covers damage to a boat, yacht, Jet Ski or other marine crafts and accessories. It also includes Third Party Liability (including to and by water skiers).

 

All types of pleasure crafts are covered, including:

  • Yachts
  • Motor Boats
  • Motor Cruisers
  • Jet Skis
  • Kayaks

 

Let’s Talk:

Kylie Ciechanowicz

Call: +61 2 4350-1241
Email: kciechanowicz@steadfast-irs.com.au

Landlords Insurance

As an investment property owner, Landlords insurance is a must.

 

Landlords Insurance provides protection for residential property owners against damage to their building and contents by tenants and also protects against rental defaults due to a tenant vacating early, without notice or if they are legally evicted.

 

Landlords insurance also gives the property owner coverage against legal liability claims if someone is hurt or injured or suffers property damage while at your property.

 

Let’s Talk:

Kylie Ciechanowicz

Call: +61 2 4350-1241
Email: kciechanowicz@steadfast-irs.com.au

Financial Planning

Macaplan our financial planning company are experienced and highly qualified financial planners, dedicated to providing you with the very best, unbiased advice on how to get the most out of your money and plan for your future. We look after your financial needs in the following areas:

 

  • Superannuation/SMSF – We take the time to listen to what you want to achieve with your superannuation and implement long term plans that are flexible enough to change as your personal circumstances do.

 

  • Retirement – We can assist you in all areas of your retirement plan. We strive to be proactive and show you how a little planning at the start can be the difference between a happy and prolonged retirement, or being forced back to work to fund the lifestyle you desire.

 

  • Comprehensive Advice and Other Services – We are here to help you identify, strategise, implement, review and manage your full financial plan ensuring you take control of your financial future.

 

Let’s Talk:

Miguel Rodrigues
Call: +61 2 8633 8839
Email: mrodrigues@macaplan.com.au

Electronic Equipment

Many people do not realise that most standard home and contents insurance policies do not provide cover for portable equipment that is lost, damaged or stolen outside the home. We can help you to insure your valuable electronic equipment.

 

Electronic equipment insurance provides cover for electronic devices such as medical aids, hearing devices, computers (including laptops), cameras, iPads and iPods and mobile phones from accidental loss or damage, theft and fire.

 

Let’s Talk:

Kylie Ciechanowicz

Call: +61 2 4350-1241
Email: kciechanowicz@steadfast-irs.com.au

Life & Income Protection

We know that Life can be unexpected and doesn’t always go according to plan. macaplan – part of the Steadfast Group – are our team of highly qualified and experienced financial planners. We specialize in business and personal insurance as well as Superannuation, SMSF, and Planning.

 

With access to a broad range of insurers, we are able to give an unbiased view of your needs and implement risk insurance strategies for both our personal and business clients that provide lasting peace of mind.

 

Our Personal Risk Insurances provide coverage for:

  • Life insurance.
  • Total and Permanent Disability Cover (TPD).
  • Trauma insurance.
  • Income protection.

 

Let’s Talk:

Miguel Rodrigues
Call: +61 2 8633 8839
Email: miguelr@steadfast-irs.com.au

Website: www.macaplan.com.au

Owner Builder Warranty

Owner Builder Warranty Insurance is a statutory requirement in certain states when an owner builder (who is not a Registered or Licensed Builder) undertakes domestic building works.

 

The requirement for insurance is for the benefit of the purchaser rather than the owner-builder. Owner-builders who try to sell their properties within a statutorily set number of years of completing building works and don’t have Owner Builder Warranty insurance can be subject to large fines. Don’t take the risk. Call us and we will arrange a quote for you.

 

Let’s Talk:

Kylie Ciechanowicz

Call: +61 2 4350-1241
Email: kciechanowicz@steadfast-irs.com.au

Personal Accident & Illness

If you run your own business or provide freelance services, Personal Accident and Illness Insurance is a must-have to protect your income in the event of an accident or serious illness.

 

Personal accident and illness insurance is available to individuals or self-employed business owners and can provide weekly or lump-sum benefits for accidental death or injury to a specified person or persons. It may also cover sickness.

 

We offer customised personal accident and insurance plans to cover all sizes and types of organisations and industries. Policies can be selected to cover 24 hour periods or specified times of the day such as during working hours only.

 

Let’s Talk:

Kylie Ciechanowicz

Call: +61 2 4350-1241
Email: kciechanowicz@steadfast-irs.com.au

This policy protects the Landlord of a property by covering the Building and the Landlord’s fixtures and fittings for fire and associated perils exposures. The policy can be extended to cover Loss of Rent and Property Owners Liability.

 

Let’s Talk:

Kylie Ciechanowicz

Call: +61 2 4350-1241
Email: kciechanowicz@steadfast-irs.com.au

Travel Insurance

When you are travelling, the last thing you need is for something to go wrong. With travel insurance you can travel confidently, with the knowledge that you are covered for everything from lost glasses and luggage to significant travel delays, natural disasters, sickness and acts of terrorism.

 

The key areas covered by our recommended Travel Insurance policy are:

  • Travel service provider insolvency
  • Overseas medical and dental
  • Amendment or cancellation costs
  • Delayed luggage allowance
  • Rental car insurance excess
  • Travel delay
  • Disability
  • Accidental death

 

Let’s Talk:

Kylie Ciechanowicz

Call: +61 2 4350-1241
Email: kciechanowicz@steadfast-irs.com.au