Fair Go Insurance Research

Fair Go Insurance Research Book now at FGIR.com.au

Australia's only independent insurance comparison service that shows detailed policy info alongside quotes for well known companies among all major underwriters.

06/10/2026

✨What is an Excess?✨

👋Hi, I'm Lindsey the founder of Fair Go Insurance Research, Australia's only independent insurance comparison service that shows you what's actually included in policies alongside quotes to help you make informed decisions.

(For well known insurers among all major underwriters! And without selling your information to third parties!)

Today I'm going over- What is an excess?

An excess is money you pay when you make a claim.💵

In the example I'm drawing, if your home is destroyed by an insured event, then your excess is what you pay towards the cost of getting your home rebuilt.

Not to be confused with sum insured, which is how much money you have to rebuild your home.

---🏠For home insurance some insurers add extra excesses in certain situations - like if there's an earthquake, or your home is unoccupied.

---Some events have their own excess (like portable contents) that may be more or less than the excess you chose

---🚗 For car insurance, many insurers add extra excesses if you make a claim and the driver of your car is under a certain age, or doesn't have a certain amount of experience, isn't listed as a driver...

✨ All excesses are explained as part of our home and car insurance comparison services, so when you receive your results, you also see all the excesses and fees that might be included in the policies✨

If you know somebody that could benefit from this video, please send this to them. 📩

And share this on your Instagram stories and tag us so we can say hi.

If you love what we do, I appreciate you so much for being here and believing in my dream of making the process of comparing insurances easier.

Please tell your family and friends, that's what helps us grow and helps people like you get the help that they need.

See you next time!

fgir.com.au

If you're ready to compare insurance without the stress book in on our website!


06/10/2026

✨ Off Topic Tuesday 8 ✨

The easiest healthy frozen treat your toddler will love!

Taking a quick research break to make more of these snacks my kids love..

FROZEN BANANA POPS (or as my toddler likes to call it.. Nana pops!)

You'll need:
- bananas
- popsicle sticks
- baking tray
- baking paper or silicone

1. Peel bananas
2. Break in half
3. Gently put on popsicle stick
4. ✨ You can freeze from here, then dip. Or just dip in yoghurt (or peanut butter or chocolate...) then freeze.

Woohoo 🙌 yummy frozen treat for everyone

Send this to a mum who needs some ideas of easy snacks for young kids!

Back to researching!

04/10/2026

✨Thank you Sunshine Valley Gazette for doing this piece on me!✨

‘Life-changing amount of money’: Insurance service puts fine print first

A Nambour business is taking aim at the confusion of insurance renewals by comparing policy details and prices for customers.

Fair Go Insurance Research founder Lindsey Standel said her independent, client-funded service compared inclusions and quotes from up to 10 insurers without accepting commissions or selling policies.

“We do the hard yards for you,” she told the Nambour Chamber of Commerce Coffee Catch-up on August 6.

Customers complete one form and receive a comparison document setting out matters such as excesses, fees, covered events, liabilities, support and benefits.

Ms Standel said free comparison websites could earn substantial commissions and often provided little detail about what policies included.

She said one recent Buderim client had received a home and contents renewal of more than $19,000. Research across 10 companies returned 16 policies below that renewal, with potential savings of up to $12,000.

“She literally told me it was a life-changing amount of money for her family,” Ms Standel said.

The business currently researches home and contents, contents cover for strata owners and comprehensive car insurance, with landlord insurance planned.

Ms Standel said the flat-fee model meant there were no sales calls, pressure to switch or obligation to buy.

Fair Go Insurance Research founder Lindsey Standel says detailed comparisons can help customers make better-informed insurance decisions.

• For more information visit fgir.com.au.

01/10/2026

✨Insurance is not sexy, but you know what is?✨

Knowledge.

When you're ready to know what's actually included in insurance policies before you buy them on a whim.. we're here to make that easier.

Your future self will thank you.

Home and contents insurance. 🏡
Contents insurance for strata. 🏘️
Comprehensive car insurance. 🚗

Landlord insurance coming soon. 🔑

fgir.com.au

29/09/2026

Accurate.

27/09/2026

✨Ever feel like this? We do. Let us lighten your load.✨

Sometimes it's hard to keep up with life's maintenance..

✔️Too tired after work to cook? Grab takeaway. 🥡
✔️Can't be bothered to go to the grocery store? Home delivery. 🛒
✔️Don't have time to deep clean? Hire a cleaner. 🧹
✔️Rather not pull weeds on the weekend? Hire a gardener. 🌱
✔️No time to clean the pool? Hire a pool cleaner. 🧼

✅ Looking for a better way to compare home and car insurance policies alongside quotes, without bias? 🔍

Get in touch with us.

Your future self with thank you.

fgir.com.au

24/09/2026

✨I am so excited to announce that for a limited time new clients will receive a package of Australian organic herbal teas plastic free "I need a moment" tea!

This stress relief, organic calming tea is created by Little Wildling Co (in the Sunshine Coast) from chamomile, passionflower, lavender, hyssop and valerian, designed to help you unwind, ease stress and drift towards deeper rest.

We know figuring out your insurance can feel heavy, overwhelming, confusing and frustrating. We're here to help you figure out your insurance without the bias or the stress.

And now, as a thank you, you get a little something extra to help you FGIR out your insurance. ✨

fgir.com.au


22/09/2026

✨If you've been referred to us by a mate, or only just found us, you're in the right place.

Fair Go Insurance Research is where I'll be sharing home and car insurance insights, insurance related fun facts, (mixed with a tid bit of parenting humour and working from home fun,) for busy Australians who just want a better way to compare insurance.

If you've felt overwhelmed, confused, and stressed out when you've tried to compare home and car insurance policies, I created FGIR just for you!

👋 Hi, I'm Lindsey the founder of Fair Go Insurance Research (also called FGIR for short) and I'm glad you're here!

This page is for Australian:
🏡 Homeowners (whether or not you have a mortgage)
🏠 Homebuyers (whether it's your first or 100th time!)
🚗 Car owners (whether or not you have a lease, including business and personal!)
🚙 Car buyers (for business and personal)
..🏘️ Investment property owners hold your horses
🐎 Landlord Insurance Comparison Service will be released soon!

✨Sign up for the landlord waitlist on our website✨
fgir.com.au

For anyone wondering what we do, FGIR comparison services give you independent research breakdowns of what's actually included in insurance policies, alongside quotes, so you can make informed decisions.

Your results may include big names like AAMI, Allianz, Bendigo, Budget Direct, ING, NRMA, QBE, RACQ, Suncorp, Woolies. So if you ever wanted to learn more about what's actually in these policies and see how much it'll cost you- we can do that!

We don't sell the insurances and have no conflict of interest, so you can trust us to give it to you straight.

✅ Our comparison services breakdown the details that come straight from the insurers fine print documents, so you have the tools to make informed decisions without the stress.

✨Welcome to your next chapter of comparing insurance! Keep following this page, because this is where the interesting insights, fun facts, and personality lives to make insurance (and life in general) a little less boring. ✨

It's time to FGIR out your insurance.

🎯When you're ready to take control of your insurances, book in through our website.

fgir.com.au


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