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AI Insurance Agent

Meet Archie — Australia's free AI insurance agent.

Compare car, home, life, health and business insurance across 40+ Australian insurers — in plain English, in minutes. Stop overpaying without even knowing it.

Chat with Archie — free Am I overpaying? →

General information only · APRA-regulated insurers only · 100% free

How much could you save?

Average annual savings Australians find by comparing at renewal — ask Archie what your numbers look like.

🚗 Car Insurance
Comparing 3+ insurers at renewal
$320–$640
🏠 Home & Contents
Switching after loyalty discount expires
$400–$900
❤️ Health Insurance
Matching cover level to better-value fund
$600–$1,400
🏢 Business Insurance
Removing duplicate or unnecessary covers
$800–$2,500
Ask Archie to check your policy →
40+Australian insurers compared
5Types of insurance covered
APRARegulated products only
$0Cost to use Archie
Insurance Types Archie Covers

Every type of Australian insurance — compared and explained by Archie.

Archie is Australia's AI insurance comparison agent. Powered by Anthropic Claude and trained on live APRA-regulated insurance product data.

🚗

Car Insurance

Compare comprehensive, third party and third party fire & theft across 40+ Australian car insurers. Understand what each policy actually covers and what affects your premium.

Compare car insurance →
🏠

Home & Contents Insurance

Find out if your building and contents are properly insured. Archie checks sum insured levels, compares policies for your postcode and flags common coverage gaps.

Compare home insurance →
❤️

Health Insurance

Navigate the PHI rebate, LHC loading and hospital vs extras. Archie matches you to the right cover level and compares APRA-regulated health funds across your needs.

Compare health insurance →
🛡️

Life & Income Protection

How much life insurance do you actually need? Archie runs the numbers on life, TPD, trauma and income protection — and explains what each cover actually protects.

Explore life insurance →
🏢

Business Insurance

From public liability to cyber insurance, Archie compares business insurance options for Australian small businesses, tradespeople and enterprises.

Compare business insurance →
🔍

Policy Review

Already have insurance? Archie reviews your current cover, identifies gaps and checks whether you're paying a fair market price — the most common way Australians are overpaying.

Check if I'm overpaying →
Questions Archie Answers

The insurance questions Australians actually need answered.

Am I overpaying on car insurance in Australia?

Australian drivers who don't compare at renewal often overpay by $320–$640 per year. Insurers rely on loyalty — most Australians haven't compared in 3+ years. Archie checks your current premium against live market rates instantly.

What's the difference between comprehensive and third party car insurance?

Comprehensive covers your car AND other people's property. Third party property covers only damage you cause to others. Third party fire & theft adds protection for your car being stolen or burned. Archie recommends the right level for your car's value.

How much does home and contents insurance cost in Australia?

Most Australian homeowners pay $1,200–$3,500/year for home and contents. Premiums depend on location (flood, fire, cyclone zones cost more), rebuild cost and excess. Archie compares real prices for your postcode across 40+ insurers.

Do I need income protection insurance if I have sick leave?

Sick leave typically only covers 2–10 weeks. If you can't work for 3+ months due to illness or injury, income protection replaces 70–75% of your income. Most Australians are underinsured here — Archie can model what coverage you'd actually need.

What is the PHI rebate in Australia?

The Australian Government PHI (Private Health Insurance) rebate reduces your premiums based on income and age. In 2026, the base rebate is 24.608% for those under 65 earning under $93,000 ($186,000 for families). Archie factors this into your health insurance comparison.

Is Archie's comparison independent?

Archie compares all APRA-regulated products in its database without promoting any specific insurer. Archie may earn referral fees from insurers when you choose to switch — but only from regulated providers. Archie never favours one insurer over another based on commission.

FAQ

Insurance questions, answered plainly.

Yes, 100% free. No sign-up required. Archie may earn referral fees if you switch to a product through the platform, but you're never charged to compare or chat.
Yes. Archie only compares insurance products from APRA-regulated Australian insurers holding an Australian Financial Services Licence (AFSL). Archie never recommends unlicensed, overseas or unregulated insurance products.
No. Archie provides general information and factual comparisons only — not personal insurance advice. For advice on complex cover needs, speak with a licensed Australian financial adviser holding an AFSL. Archie makes that connection free and easy.
Archie integrates live data feeds from Australian insurers. Premium estimates are indicative — your actual quote may vary based on specific underwriting factors. Always confirm the final price with the insurer before switching.

Stop overpaying on insurance.

Ask Archie to compare your car, home, health or business insurance against 40+ Australian insurers — free, instant, no jargon.

Chat with Archie — free →

General information only · APRA-regulated products only · Free