{
 "dataset": "Australian building insurance",
 "source": "Each brand's and insurer's own Product Disclosure Statement, Key Facts Sheet, Target Market Determination and product pages (policies, cover, underwriter); APRA's list of registered general insurers (authorisation); ASIC's Australian Financial Services Licensee register on data.gov.au (licence, ABN)",
 "licence_note": "APRA authorisation is from APRA's list of registered general insurers, published under the Creative Commons Attribution 4.0 International licence (© Australian Prudential Regulation Authority). Licence fields are from ASIC's AFS Licensee dataset on data.gov.au, published under the Creative Commons Attribution 3.0 Australia licence. Policies, their cover and their underwriters are facts read from each brand's and insurer's own published documents, and every one carries the URL and the sentence it was read from. Policies change, and the document that applies to a policy is the one issued with it. This is reference data, not advice about which policy to buy.",
 "brand": {
  "slug": "flex",
  "name": "Flex Insurance",
  "website": "https://flexinsurance.com.au/",
  "kind": "underwriting_agency",
  "underwriter": "Certain underwriters at Lloyd's and QBE Insurance (Australia) Limited",
  "underwriter_abn": null,
  "underwriter_afsl": null,
  "lloyds": true,
  "distributor": {
   "name": "CHUiSAVER Underwriting Agency Pty Ltd (trading as Flex Insurance)",
   "abn": "85613645239",
   "afsl": "491113",
   "authorised_representative_no": null
  },
  "products": [
   {
    "name": "Flexible Residential Strata Plan Insurance (Flex)",
    "type": "residential_strata",
    "segment": "residential",
    "channel": "both",
    "online_quote": true,
    "cover_basis": null,
    "buffer_percent": null,
    "flood": "included_can_remove",
    "accidental_damage": null,
    "levels": [
     "Flex Essential",
     "Flex Plus"
    ],
    "eligibility": "Bodies corporate / owners corporations of residential strata property with less than 20% of floor space used commercially.",
    "states": null,
    "documents": [
     {
      "title": "Residential Strata PDS (October 2023, QBE edition)",
      "url": "https://flexinsurance.com.au/assets/Documents/Flex_ResidentialStrataPDS_1023.pdf",
      "date": "2023-10-01"
     },
     {
      "title": "Flexible Residential Strata TMD (effective 1 July 2026)",
      "url": "https://flexinsurance.com.au/assets/Documents/Flex_FlexibleResidentialStrata_TMD_072026.pdf",
      "date": "2026-07-01"
     },
     {
      "title": "Supplementary PDS (1 January 2026)",
      "url": "https://flexinsurance.com.au/assets/Flexible-Residential-Strata-Plan-Insurance_SPDS_01012026-2.pdf",
      "date": "2026-01-01"
     }
    ],
    "quotes": {
     "product": {
      "text": "Flex gives you the freedom to tailor your residential strata insurance to suit your building’s needs and budget.",
      "url": "https://flexinsurance.com.au/",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Flex gives you the freedom to tailor your residential strata insurance to suit your building’s needs and budget.",
       "url": "https://flexinsurance.com.au/#:~:text=Flex%20gives%20you%20the%20freedom,your%20building%E2%80%99s%20needs%20and%20budget.",
       "document_sha256": "e3c5a1564f644eaad901e05d04ed3d9b2c2c137f0f5cc959c4b7fdbf627e0d33",
       "confirmed": "2026-11-13"
      }
     },
     "channel": {
      "text": "This product can only be sold by CHUiSAVER Underwriting Agency Pty Ltd ABN 85 613 645 239 (AFS Licence No: 491113) trading as Flex Insurance via an authorised representative, an insurance broker or can be sold directly to the public.",
      "url": "https://flexinsurance.com.au/assets/Documents/Flex_FlexibleResidentialStrata_TMD_072026.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "This product can only be sold by CHUiSAVER Underwriting Agency Pty Ltd ABN 85 613 645 239 (AFS Licence No: 491113) trading as Flex Insurance via an authorised representative, an insurance broker or can be sold directly to the public.",
       "url": "https://flexinsurance.com.au/assets/Documents/Flex_FlexibleResidentialStrata_TMD_072026.pdf#page=3",
       "page": 3,
       "document_sha256": "3950128bf56d22899eac8c2ab1c8a7305a58a81ea1e80bcb5edafc5a77089268",
       "confirmed": "2026-11-13"
      }
     },
     "flood": {
      "text": "We provide cover for Damage to Your Insured Property for Flood unless endorsed otherwise in the Schedule.",
      "url": "https://flexinsurance.com.au/assets/Documents/Flex_ResidentialStrataPDS_1023.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "We provide cover for Damage to Your Insured Property for Flood unless endorsed otherwise in the Schedule.",
       "url": "https://flexinsurance.com.au/assets/Documents/Flex_ResidentialStrataPDS_1023.pdf#page=6",
       "page": 6,
       "document_sha256": "1c2ba05b1068a8e6344522656524b774ea5f836dd3a94a88447f7561bf0732b4",
       "confirmed": "2026-11-13"
      }
     },
     "eligibility": {
      "text": "where less than 20% of the floor space is used for commercial purposes.",
      "url": "https://flexinsurance.com.au/assets/Documents/Flex_FlexibleResidentialStrata_TMD_072026.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "where less than 20% of the floor space is used for commercial purposes.",
       "url": "https://flexinsurance.com.au/assets/Documents/Flex_FlexibleResidentialStrata_TMD_072026.pdf#page=2",
       "page": 2,
       "document_sha256": "3950128bf56d22899eac8c2ab1c8a7305a58a81ea1e80bcb5edafc5a77089268",
       "confirmed": "2026-11-13"
      }
     },
     "unoccupied": {
      "text": "An Excess of $2,500 will apply to Section 1 claims if 50% or more of the available Lots/Units are unoccupied at the time of loss.",
      "url": "https://flexinsurance.com.au/assets/Documents/Flex_ResidentialStrataPDS_1023.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "An Excess of $2,500 will apply to Section 1 claims if 50% or more of the available Lots/Units are unoccupied at the time of loss.",
       "url": "https://flexinsurance.com.au/assets/Documents/Flex_ResidentialStrataPDS_1023.pdf#page=52",
       "page": 52,
       "document_sha256": "1c2ba05b1068a8e6344522656524b774ea5f836dd3a94a88447f7561bf0732b4",
       "confirmed": "2026-11-13"
      }
     }
    },
    "conditions": [
     "The 2026 TMD (policy ref AX 00010825) names certain underwriters at Lloyd's; the October 2023 PDS names QBE. Check which edition applies."
    ],
    "unoccupied": {
     "days": null,
     "effect": "extra_excess",
     "excess": 2500,
     "excluded_events": null,
     "still_covered": null,
     "must_tell": null,
     "conditions": "No day count: applies to Section 1 claims when 50% or more of the available lots are unoccupied at the time of loss.",
     "then": null,
     "label": "Extra $2,500 excess"
    },
    "id": "flexible-residential-strata-plan-insurance-flex",
    "type_label": "Residential strata",
    "issuers": [
     {
      "name": "Certain underwriters at Lloyd's",
      "abn": null,
      "afsl": null,
      "lloyds": true,
      "slug": "lloyds",
      "apra": {
       "status": "lloyds",
       "name": null,
       "source": {
        "url": "https://www.apra.gov.au/registers/list-registered-general-insurers",
        "licence": "Creative Commons Attribution 4.0 International; © Australian Prudential Regulation Authority"
       }
      },
      "licence": null
     },
     {
      "name": "QBE Insurance (Australia) Limited",
      "abn": "78003191035",
      "afsl": "239545",
      "lloyds": false,
      "slug": "qbe-insurance-australia",
      "apra": {
       "status": "authorised",
       "name": "QBE Insurance (Australia) Limited",
       "source": {
        "url": "https://www.apra.gov.au/registers/list-registered-general-insurers",
        "licence": "Creative Commons Attribution 4.0 International; © Australian Prudential Regulation Authority"
       }
      },
      "licence": {
       "afsl": "239545",
       "name": "QBE INSURANCE (AUSTRALIA) LIMITED",
       "abn": "78003191035",
       "acn": null,
       "licensed_since": "2004-03-10",
       "locality": "Sydney NSW 2000",
       "source": {
        "dataset": "ASIC AFS Licensee dataset",
        "url": "https://data.gov.au/data/dataset/asic-afs-licensee",
        "release": "https://data.gov.au/data/dataset/ab7eddce-84df-4098-bc8f-500d0d9776d1/resource/d98a113d-6b50-40e6-b65f-2612efc877f4/download/afs_lic_202611.csv",
        "last_modified": "2026-11-11T20:51:07.739275",
        "licence": "Creative Commons Attribution 3.0 Australia"
       },
       "general_insurance": true,
       "disagreements": []
      }
     }
    ]
   },
   {
    "name": "Flex Complex Strata Insurance",
    "type": "commercial_strata",
    "segment": "commercial",
    "channel": "broker",
    "online_quote": false,
    "cover_basis": null,
    "buffer_percent": null,
    "flood": "included_can_remove",
    "accidental_damage": null,
    "levels": [],
    "eligibility": "Residential, mixed-use and commercial strata buildings that cannot get cover elsewhere because of complex risks (cladding, defects, high-risk occupancies, alpine locations); brokers only.",
    "states": null,
    "documents": [
     {
      "title": "Complex Strata PDS (1 October 2025)",
      "url": "https://flexinsurance.com.au/assets/Documents/FlexComplexStrata_PDS_01102025.pdf",
      "date": "2025-10-01"
     },
     {
      "title": "Complex Strata TMD (1 October 2025)",
      "url": "https://flexinsurance.com.au/assets/Documents/Flex-Complex-Strata-Insurance-TMD_01.10.2025.pdf",
      "date": "2025-10-01"
     }
    ],
    "quotes": {
     "product": {
      "text": "Flex Complex Strata Insurance offer specialist solutions for eligible residential, mixed use and commercial strata properties.",
      "url": "https://flexinsurance.com.au/complex-strata",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Flex Complex Strata Insurance offer specialist solutions for eligible residential, mixed use and commercial strata properties.",
       "url": "https://flexinsurance.com.au/complex-strata#:~:text=Flex%20Complex%20Strata%20Insurance%20offer,use%20and%20commercial%20strata%20properties.",
       "document_sha256": "02189776289eb6b9ed17be929a3939ac026cba50aa3b92b1f3c004a3b1259e76",
       "confirmed": "2026-11-13"
      }
     },
     "channel": {
      "text": "This Product can only be sold by Flex Insurance via an insurance broker",
      "url": "https://flexinsurance.com.au/assets/Documents/Flex-Complex-Strata-Insurance-TMD_01.10.2025.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "This Product can only be sold by Flex Insurance via an insurance broker",
       "url": "https://flexinsurance.com.au/assets/Documents/Flex-Complex-Strata-Insurance-TMD_01.10.2025.pdf#page=3",
       "page": 3,
       "document_sha256": "168aa9b5a0bd942c6f3d111ed6bafd8f42fa99aa76d6f20f974fc15b95330eea",
       "confirmed": "2026-11-13"
      }
     },
     "flood": {
      "text": "We provide cover for Damage to Your Insured Property by Flood unless excluded in the Schedule.",
      "url": "https://flexinsurance.com.au/assets/Documents/FlexComplexStrata_PDS_01102025.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "We provide cover for Damage to Your Insured Property by Flood unless excluded in the Schedule.",
       "url": "https://flexinsurance.com.au/assets/Documents/FlexComplexStrata_PDS_01102025.pdf#page=4",
       "page": 4,
       "document_sha256": "d5ab3351e80727bf45598cbb83f975702deb43d2d93ce00dd183d97dcce08d9b",
       "confirmed": "2026-11-13"
      }
     },
     "eligibility": {
      "text": "Complex Strata Insurance Cover for High-Risk Buildings is only available for eligible residential, mixed use and commercial strata properties that have challenges obtaining strata insurance due to complex risk factors.",
      "url": "https://flexinsurance.com.au/complex-strata",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Complex Strata Insurance Cover for High-Risk Buildings is only available for eligible residential, mixed use and commercial strata properties that have challenges obtaining strata insurance due to complex risk factors.",
       "url": "https://flexinsurance.com.au/complex-strata#:~:text=Complex%20Strata%20Insurance%20Cover%20for,due%20to%20complex%20risk%20factors.",
       "document_sha256": "02189776289eb6b9ed17be929a3939ac026cba50aa3b92b1f3c004a3b1259e76",
       "confirmed": "2026-11-13"
      }
     },
     "unoccupied": {
      "text": "An Excess of $5,000 will apply to Section 1 – Insured Property claims if 50% or more of the available Lots/Units are unoccupied at the time of loss.",
      "url": "https://flexinsurance.com.au/assets/Documents/FlexComplexStrata_PDS_01102025.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "An Excess of $5,000 will apply to Section 1 – Insured Property claims if 50% or more of the available Lots/Units are unoccupied at the time of loss.",
       "url": "https://flexinsurance.com.au/assets/Documents/FlexComplexStrata_PDS_01102025.pdf#page=30",
       "page": 30,
       "document_sha256": "d5ab3351e80727bf45598cbb83f975702deb43d2d93ce00dd183d97dcce08d9b",
       "confirmed": "2026-11-13"
      }
     }
    },
    "conditions": [
     "Covers residential, mixed-use and commercial schemes; listed as commercial_strata because it is the only Flex product for commercial/mixed-use."
    ],
    "unoccupied": {
     "days": null,
     "effect": "extra_excess",
     "excess": 5000,
     "excluded_events": null,
     "still_covered": null,
     "must_tell": null,
     "conditions": "No day count: applies to Section 1 claims when 50% or more of the available lots are unoccupied at the time of loss.",
     "then": null,
     "label": "Extra $5,000 excess"
    },
    "id": "complex-strata-insurance",
    "type_label": "Commercial strata",
    "issuers": [
     {
      "name": "Certain underwriters at Lloyd's",
      "abn": null,
      "afsl": null,
      "lloyds": true,
      "slug": "lloyds",
      "apra": {
       "status": "lloyds",
       "name": null,
       "source": {
        "url": "https://www.apra.gov.au/registers/list-registered-general-insurers",
        "licence": "Creative Commons Attribution 4.0 International; © Australian Prudential Regulation Authority"
       }
      },
      "licence": null
     },
     {
      "name": "QBE Insurance (Australia) Limited",
      "abn": "78003191035",
      "afsl": "239545",
      "lloyds": false,
      "slug": "qbe-insurance-australia",
      "apra": {
       "status": "authorised",
       "name": "QBE Insurance (Australia) Limited",
       "source": {
        "url": "https://www.apra.gov.au/registers/list-registered-general-insurers",
        "licence": "Creative Commons Attribution 4.0 International; © Australian Prudential Regulation Authority"
       }
      },
      "licence": {
       "afsl": "239545",
       "name": "QBE INSURANCE (AUSTRALIA) LIMITED",
       "abn": "78003191035",
       "acn": null,
       "licensed_since": "2004-03-10",
       "locality": "Sydney NSW 2000",
       "source": {
        "dataset": "ASIC AFS Licensee dataset",
        "url": "https://data.gov.au/data/dataset/asic-afs-licensee",
        "release": "https://data.gov.au/data/dataset/ab7eddce-84df-4098-bc8f-500d0d9776d1/resource/d98a113d-6b50-40e6-b65f-2612efc877f4/download/afs_lic_202611.csv",
        "last_modified": "2026-11-11T20:51:07.739275",
        "licence": "Creative Commons Attribution 3.0 Australia"
       },
       "general_insurance": true,
       "disagreements": []
      }
     }
    ]
   }
  ],
  "quotes": {
   "underwriter": {
    "text": "CHUiSAVER Underwriting Agency Pty Ltd (ABN 85 613 645 239, AFSL 491113) trading as Flex Insurance acts under a binding authority as an agent for certain underwriters at Lloyd’s and QBE Insurance (Australia) Limited (ABN 78 003 191 035, AFSL 239545), the insurers of the products.",
    "url": "https://flexinsurance.com.au/",
    "checked": {
     "status": "found",
     "at": "2026-11-13T00:55:57+00:00"
    },
    "citation": {
     "quote": "CHUiSAVER Underwriting Agency Pty Ltd (ABN 85 613 645 239, AFSL 491113) trading as Flex Insurance acts under a binding authority as an agent for certain underwriters at Lloyd’s and QBE Insurance (Australia) Limited (ABN 78 003 191 035, AFSL 239545), the insurers of the products.",
     "url": "https://flexinsurance.com.au/#:~:text=CHUiSAVER%20Underwriting%20Agency%20Pty%20Ltd,the%20insurers%20of%20the%20products.",
     "document_sha256": "e3c5a1564f644eaad901e05d04ed3d9b2c2c137f0f5cc959c4b7fdbf627e0d33",
     "confirmed": "2026-11-13"
    }
   }
  },
  "curation_notes": "Flex is a CHU subsidiary. The site names both Lloyd's and QBE; the Complex Strata TMD names Lloyd's, the October 2023 residential PDS names QBE, and the 2026 residential TMD names Lloyd's. QBE ABN 78003191035 / AFSL 239545 is the other named insurer.",
  "panel": [
   {
    "underwriter": "Certain underwriters at Lloyd's",
    "lloyds": true
   },
   {
    "underwriter": "QBE Insurance (Australia) Limited",
    "underwriter_abn": "78003191035",
    "underwriter_afsl": "239545"
   }
  ],
  "segments": [
   "residential",
   "commercial"
  ],
  "issuers": [
   {
    "name": "Certain underwriters at Lloyd's",
    "abn": null,
    "afsl": null,
    "lloyds": true,
    "slug": "lloyds",
    "apra": {
     "status": "lloyds",
     "name": null,
     "source": {
      "url": "https://www.apra.gov.au/registers/list-registered-general-insurers",
      "licence": "Creative Commons Attribution 4.0 International; © Australian Prudential Regulation Authority"
     }
    },
    "licence": null
   },
   {
    "name": "QBE Insurance (Australia) Limited",
    "abn": "78003191035",
    "afsl": "239545",
    "lloyds": false,
    "slug": "qbe-insurance-australia",
    "apra": {
     "status": "authorised",
     "name": "QBE Insurance (Australia) Limited",
     "source": {
      "url": "https://www.apra.gov.au/registers/list-registered-general-insurers",
      "licence": "Creative Commons Attribution 4.0 International; © Australian Prudential Regulation Authority"
     }
    },
    "licence": {
     "afsl": "239545",
     "name": "QBE INSURANCE (AUSTRALIA) LIMITED",
     "abn": "78003191035",
     "acn": null,
     "licensed_since": "2004-03-10",
     "locality": "Sydney NSW 2000",
     "source": {
      "dataset": "ASIC AFS Licensee dataset",
      "url": "https://data.gov.au/data/dataset/asic-afs-licensee",
      "release": "https://data.gov.au/data/dataset/ab7eddce-84df-4098-bc8f-500d0d9776d1/resource/d98a113d-6b50-40e6-b65f-2612efc877f4/download/afs_lic_202611.csv",
      "last_modified": "2026-11-11T20:51:07.739275",
      "licence": "Creative Commons Attribution 3.0 Australia"
     },
     "general_insurance": true,
     "disagreements": []
    }
   }
  ],
  "distributor_licence": {
   "afsl": "491113",
   "name": "CHUISAVER UNDERWRITING AGENCY PTY LTD",
   "abn": "85613645239",
   "acn": null,
   "licensed_since": "2016-11-14",
   "locality": "North Sydney NSW 2060",
   "source": {
    "dataset": "ASIC AFS Licensee dataset",
    "url": "https://data.gov.au/data/dataset/asic-afs-licensee",
    "release": "https://data.gov.au/data/dataset/ab7eddce-84df-4098-bc8f-500d0d9776d1/resource/d98a113d-6b50-40e6-b65f-2612efc877f4/download/afs_lic_202611.csv",
    "last_modified": "2026-11-11T20:51:07.739275",
    "licence": "Creative Commons Attribution 3.0 Australia"
   }
  },
  "page": "https://deepalmanac.com/au/insurance/building/flex/",
  "json": "https://deepalmanac.com/au/insurance/building/v1/brands/flex.json"
 }
}