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HOW WE ARE DIFFERENT

An Alternative to Traditional Insurance Brokers

HOW WE ARE DIFFERENT

An Alternative to Traditional Insurance Brokers

Insurance that works for you, not against you.
A businessperson balancing cost and clarity—symbolising Luma’s fixed-fee and commission options for business insurance.

The Five Differentiators:

We are not incentivised to sell you a higher premium:

By removing hidden commissions that do exactly that, we are motivated, unlike 99% of brokers, to get you the right cover at the lowest price

Clear Advice

We explain your options in plain English — no sales pressure, no jargon.

Annual Market Review

Every year, we check your cover against the market. No rinse-and-repeat renewals. No bloat.

Not Tied to Any Insurer

We work with all major insurers. That means we work for you — not them.

Only What You Need

We won’t upsell you cover you don’t need. Our job is to get it right — not to make it bigger.

FAQs

Why don't you use auto-renewals?

Because your business changes every year. Also, just like your mortgage, if you shop around every year, you can get great deals; if you do not, you see costs increase.

Yes. You have our WhatsApp and mobile number. While we might not be awake at 2 AM, we’ll see it first thing in the morning—no call centres, no “Press 1 for claims.”

We’ll tell you to stay put. That said, we find savings for the same or better cover in 98% of cases. Our goal is to give you the best outcome, even if that means we don’t win your business today.

Not sure what you need? We’ll help you figure it out.

Proof that we’ve got your back.

ExcellentGoogle star 1Google star 2Google star 3Google star 4Google star 55.041 reviews
5.0Google star 1Google star 2Google star 3Google star 4Google star 5
Excellent41 reviews

© 2026 Luma Insurance. All rights reserved.

Luma Insurance is a trading name of Brunswick Enterprises Pty Ltd. CAR No. 001315571 of General Insurance Brokers of Australia Pty Ltd (AFSL 342546).

Information on this website is factual and general advice only. It does not take into account your objectives, financial situation or needs. Before acting, you should consider whether it is appropriate in light of your circumstances and read the relevant Product Disclosure Statement (PDS).

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