Home-Based car insurance adviser
Help local drivers compare and arrange car insurance by phone and online, working under an established licensee.
- A$1k-5k
- Side hustle
- From home
- Licence or permit needed
Estimates for a small start in Australia, not guarantees.
What it is
You advise and arrange car insurance policies from your home office as an authorised representative of a licensed insurance broker or aggregator. The licensee holds the licence and gives you training, product access and compliance support.
Your first three steps
- Research general insurance brokers and aggregators that take on authorised representatives, and compare their commission splits and fees
- Check ASIC's guidance on becoming an authorised representative, then complete the licensee's training and onboarding
- Tell local contacts, car groups and community pages you can review their cover, and ask for referrals
Who pays
Insurers and brokers pay commission on policies you arrange. Clients are everyday drivers, new car buyers and small businesses with a few vehicles.
How it makes money
Commission on each policy sold and renewed, shared with your licensee. Income builds as renewals accumulate. Some arrangements also charge broker fees.
Skills that help
- Clear, honest explanation of policy details
- Sales and follow-up
- Careful record keeping
Watch out for
- Giving general insurance advice or dealing in it generally needs an Australian Financial Services Licence or authorisation under one. Check with ASIC before you speak to any client
- Professional indemnity insurance, which your licensee may require or provide
- Your licensee's rules on advice, disclosure, privacy and handling complaints
- Commission can be slow to build, so check what you keep from renewals if you leave
- Check council rules for running a home-based business
Deep research report · Australia
Everything you need to start: home-based car insurance adviser
Researched with live web search for Australia: real startup prices, the licences and rules, what others charge, a break-even example, how to find your first customers and a 30-day launch plan. With sources.
- Startup costs with real prices
- Licences, registration and rules
- Pricing: what others charge
- Break-even example
- Finding your first customers
- 30-day launch plan
- Risks and how to reduce them
Questions people ask
How much does it cost to start as a home-based car insurance adviser?
Startup costs are typically estimated at around $1,000 to $5,000, depending on what your licensee requires and how you set up your home office. Check whether professional indemnity insurance is required or provided by your licensee.
How much can a car insurance adviser earn?
Monthly revenue is typically estimated at around $500 to $4,000, depending on how many policies you arrange and the commission your licensee pays. Commission can be slow to build, so check what you keep from renewals if you leave.
Do I need a licence to advise on car insurance in Australia?
Things to check: giving general insurance advice or dealing in it generally needs an Australian Financial Services Licence or authorisation under one. Check with ASIC before you speak to any client, and ask your licensee about its rules on advice, disclosure, privacy and complaints.
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