For insurance distribution partners

A new direct channel.
Not another comparison site.

Yearly Today delivers pre-qualified, property-verified homeowners directly to your quote form — with every field already populated, rebuild cost independently calculated, and hazard risk verified. Customers who arrive informed make better coverage decisions, file fewer disputed claims, and are worth more over their lifetime.

Register partner interestSee how it works
Quotes in <2 seconds
yearly.today/q/yt_x7k2p
14 Seabreeze Ave, Elanora Heights NSW 2101
Your quotes — sorted by price
Allianz Australia Building + Contents
Direct API
$2,190/yr
Best deal
NRMA Insurance Building + Contents
$2,640/yr
Youi Building + Contents
$2,890/yr
Budget Direct Building + Contents
$3,120/yr
$1,650
Potential saving
8
Insurers compared
0
Forms filled
Pre-verified property data
3,000+
Properties pre-computed in Northern Beaches POC
100%
Property data verified via government datasets
8
Insurers in initial comparison set
<2s
Time to deliver pre-populated quote to customer
Why we're different

Not a comparison site.
A pre-qualified distribution engine.

Every other comparison site sends you anonymous leads with self-reported data and makes you compete on price alone. Yearly Today is a different model — pre-verified property data, pre-populated forms, and customers who arrive informed, accurate, and ready to buy.

Traditional comparison sites
✗
Anonymous, unverified leadsCustomer self-reports their rebuild cost, bedrooms, and risk profile. Errors are common — underinsurance goes undetected. You re-quote or decline at your own cost.
✗
Underinsurance invisible to everyoneNo comparison site calculates whether the customer's insured amount is adequate. They just pass through whatever the customer typed — often 20–40% below true rebuild cost.
✗
API participation costs $50k–200k/yrPay-to-play placement. Insurers who don't pay for the API don't appear. Customers never see the full market.
✗
No hazard context for the customerCustomers have no idea their property sits adjacent to a flood corridor or is 400m from bushfire-prone vegetation — until they claim. Comparison sites surface none of this.
✗
No annual continuityThe comparison experience resets to zero every year. Comparison sites benefit from this friction — customers who don't reshop stay underserved.
Yearly Today model
✓
Rebuild cost calculated before arrivalFloor area × HIA regional rate × construction type — cross-validated against NSW Valuer General land data. Customers arrive with an accurate insured sum. Underinsurance risk surfaced and explained before they choose a policy.
✓
Underinsurance actively addressedWe show customers their estimated rebuild cost vs. what they're currently insured for. If there's a gap, we flag it with clear language — and explain the financial exposure of being underinsured at claim time.
✓
API-first, transparent integrationNo pay-to-play ranking. All insurers appear regardless of commercial relationship. API-connected insurers get a ⚡ LIVE badge and priority loading — earned through integration quality, not spend.
✓
Hazard risk shown upfrontEvery customer sees their verified bushfire and flood risk context before they choose coverage. Customers who understand their risk choose appropriate coverage — and are less likely to dispute claims.
✓
Annual autopilot — retention, not just acquisitionWe re-run quotes at renewal automatically. Insurers who price competitively at renewal retain customers through our platform. This is a retention channel as much as an acquisition one.
Addressing your concerns directly

“Won’t this just drive down premiums and encourage customers to switch every year?”

It's the right question to ask. Here's our honest answer — and why we believe the data tells a different story.

We surface value, not just price
A customer switching purely for price is already gone — they found the cheaper insurer themselves or via another channel. What we do differently is show customers the full picture: cover quality, excess trade-offs, flood and fire risk, and rebuild cost adequacy. A customer who understands their risk profile and chooses you on value — not just price — is a better long-term policyholder.
Underinsurance costs you more than switching
Australian homes are underinsured by an average of 28% according to industry data. When a customer claims on an underinsured policy, the dispute is expensive — reputationally and financially. We address underinsurance proactively at the point of quote. Customers who insure for the right amount are lower-risk policyholders with fewer disputes at claim time.
Annual autopilot rewards competitive renewal pricing
The loyalty penalty — where long-term customers pay significantly more than new customers — is the primary driver of switching. Insurers who price renewals competitively retain customers through our autopilot, year after year, without the customer ever needing to reshop. We give you the mechanism to reward loyalty automatically. The switching risk is highest for insurers who don't.
Better-informed customers make fewer disputed claims
When a customer understands their excess level, their flood risk classification, and their rebuild cost before they sign — they have realistic expectations at claim time. Our risk education layer (bushfire proximity, flood corridor context, excess ROI calculations) produces more informed policyholders, not just cheaper ones. That has real value for your claims team.
The honest reframe
Customers who switch every year were never really yours to keep. The ones we help you win are arriving with verified data, realistic expectations, and a clear understanding of what they're buying.
28%
Average underinsurance gap in Australian homes we help close
0
Pay-to-rank fees. No insurer pays for placement position
Year 2+
Renewal commission paid when autopilot re-confirms your policy
The underinsurance opportunity

We help customers insure
for the right amount.

Underinsurance is the industry's most persistent problem. We tackle it at the point of quote — before the policy is written, not after the claim is lodged.

Rebuild cost calculated, not guessed
We calculate every property's estimated rebuild cost from floor area, construction type, and HIA regional rates — before the customer arrives. We show them this figure, explain what it means, and flag the gap if their current insured sum falls short.
Bushfire risk — verified at address level
NSW RFS Bushfire Prone Land dataset spatially intersected to each property. Customers see their exact classification (not prone / vegetation category 1–3) and what it means for their cover — before they choose a policy.
Flood risk — lot-level verification
NSW EPI Flood WMS for broad context, Northern Beaches Council Flood Hazard Map for lot-level confirmation on drainage corridors. Customers understand whether flood cover is a genuine need — and why it affects their premium.
Risk reduction education with real ROI
We show customers which preventative measures reduce their premium — monitored alarms, deadlocks, ember guards, storm shutters — with the dollar saving per year calculated from real quote data. Customers who act on this become lower-risk policyholders. Better outcomes for them and for you.
Excess ROI — the conversation nobody has
We calculate the break-even point for excess decisions in plain language: "Increasing from $500 to $2,000 saves $480/year. Your extra $1,500 exposure is recovered in just over 3 years — and you've never claimed in 11." Customers make better excess decisions. Fewer small claims. Better combined ratios.
Example — what a customer sees
14 Seabreeze Ave, Elanora Heights NSW 2101
Estimated rebuild cost
$1,050,000
Based on 320m² · 2 storey · brick veneer
ADEQUATELY
INSURED
BUSHFIRE
Not prone
Confirmed via NSW RFS
FLOOD
Adjacent — unconfirmed on lot
NBC map shows drainage corridor nearby
Risk reduction opportunity
Installing a monitored alarm at this property would save an average of $340/yr across every major insurer. Install cost typically recovered in under 18 months.
Suburb hazard context — what we show every customer
Properties in 2101 in bushfire zone12%
Properties with flood adjacency8%
Estimated underinsurance in suburb~31%
Avg premium range on street$1,890–$5,200
Integration model

API access isn't a nice-to-have.
It's a competitive advantage.

Insurers with a direct API integration appear to customers with real-time, live quotes — updated instantly as they adjust their excess, contents, or add-ons. Insurers without an API are slower. That difference is visible to every customer making their decision.

Tier 1 — Direct API
<1s
quote delivery
Recommended
✓
Live real-time quotes — price updates instantly when customer adjusts excess or contents. No re-run lag.
✓
Always-fresh pricing — your rate changes appear immediately. No stale cached quotes.
✓
LIVE badge on your result card — customers see your quote is current. Highest trust signal.
✓
Priority position — API-connected insurers load first while slower integrations catch up.
Technical requirement
REST or SOAP quote API accepting address + property fields. We handle auth, rate limiting, and field mapping. Typical integration: 2-4 weeks.
Tier 2 — Broker Portal
15s
quote delivery
Good option
✓
No API build required — works with your existing broker portal or public quote tool. No dev work needed on your side.
✓
Pre-filled deep link — all property fields carried in the URL. Customer lands on a near-complete form.
→
Natural upgrade path — we map your portal fields during setup. When you're ready for Tier 1, the work is already done.
Technical requirement
A broker portal login or public quote URL that accepts pre-filled parameters. We handle the session and field population. Typical setup: 1-2 weeks.
Tier 3 — Web Completion
60s
quote delivery
Fallback only
✓
Zero setup required — we complete your public quote form on the customer's behalf. No action needed from you.
✓
Pre-computation buffer — overnight batch runs mean most customers see cached results. Live re-runs only on changes.
!
Slower live re-quotes — 30–90 seconds for delta changes. Customers see "Last updated [time]" rather than LIVE. Conversion impact is measurable.
Note
This tier exists so no insurer is excluded at launch. The intent is always to migrate to Tier 1 or 2 — and we'll actively work with you to get there.
Why this matters to your conversion rate
When a customer adjusts their excess, API insurers update in under a second. Tier 3 takes 30-90 seconds. That lag is visible in a side-by-side comparison — and customers notice. Tier 1 earns a LIVE badge. Tier 3 shows “Last updated [time]”.
Get API access →
What the customer sees

The speed difference is visible.
In real time.

When a customer changes their excess level, this is what they see depending on how their insurer is integrated. The difference in experience — and conversion — is significant.

Tier 1 — API
LIVE
Allianz Australia
Building + Contents
$1,940/yr
↓ updated instantly
Refreshed 0.4s ago
Price updates before their finger leaves the slider.
Customer adjusts excess from $500 → $2,000. The API responds in under a second. The new price appears instantly. No spinner, no wait state, no friction. The LIVE badge signals that this is a current price — not a cached estimate. Highest trust, highest conversion.
Tier 2 — Broker portal
REFRESHING
NRMA Insurance
Building + Contents
$2,340/yr
Updating...
~8 seconds
A brief loading state — still significantly better than starting from scratch.
The broker portal receives the updated parameters and re-runs the quote. Customer sees a short spinner — 5-15 seconds. Most will wait. The pre-filled deep link means no re-entry of property details. A clear progress indicator keeps the experience honest and maintains trust.
Tier 3 — Web completion
UPDATING
Budget Direct
Building + Contents
$2,890/yr
Updated 28 mins ago
Est. 45-60 seconds
Customers wait. Most will — but the drop-off is measurable.
We re-complete the web form with updated parameters. 30-90 seconds for a live re-quote. The “Last updated 28 mins ago” timestamp is honest — but it signals a stale price compared to the LIVE badge on Tier 1. This tier is the fallback, not the destination.
Don't have a quote API yet? We can help scope one.
We've mapped the field requirements for home insurance quotes across all major insurers. If you're building a quote API or broker portal integration, we can share our property schema and test data to accelerate your build — at no cost.
Talk to our team →
Property data quality

What we know about your
customer before they arrive.

Every property in our system is cross-referenced across six independent government and commercial datasets. This is the same data your underwriters use — verified before the quote runs.

Address & geocode — G-NAF
15.9M Australian addresses from the Geocoded National Address File. Every property matched to a lat/lng for spatial risk analysis.
Floor area & storeys — Geoscape Buildings
Building footprint, floor area in m², storey count, and construction era from Geoscape's national buildings dataset.
Rebuild cost — Calculated from HIA rates
Floor area × HIA regional $/m² rate × construction type index. Indicative within 15–20% of Cordell for standard residential builds.
Bushfire risk — NSW RFS BFPL dataset
NSW RFS Bushfire Prone Land layer, spatially intersected to address level. Classified: not prone / vegetation category 1 / category 2 / category 3.
Flood risk — NSW EPI + NBC Flood Hazard Map
NSW EPI Flood WMS for broad flood context, Northern Beaches Council Flood Hazard Map for lot-level verification on drainage corridors.
Land value — NSW Valuer General
Annual land values from NSW Valuer General bulk data. Used to cross-validate rebuild cost estimates and flag anomalies.
Neighbourhood insight — Elanora Heights 2101
Premium distribution across 847 pre-computed properties. Shown to customer on their landing page.
$1.9k
Cheapest
$2.3k
25th %
$3.1k
Median
$3.9k
75th %
$5.2k
Highest
Parametric insight shown to customer
Homes in Elanora Heights with monitored alarms save avg $340/yr across every major insurer in this comparison.
Example property record we deliver
{
  "address": "14 Seabreeze Ave, Elanora Heights",
  "postcode": "2101",
  "bedrooms": 5,
  "bathrooms": 3,
  "storeys": 2,
  "floor_area_sqm": 320,
  "rebuild_cost": 1050000,
  "construction_type": "brick_veneer",
  "roof_type": "metal_colorbond",
  "bushfire_prone": false,
  "flood_risk": "adjacent_unconfirmed",
  "land_value": 1240000,
  "features": ["deck"],
  "verified_sources": ["gnaf","geoscape","nsw_rfs","nbc_flood"]
}
Commercial model

Aligned incentives.
We only earn when you do.

No placement fees. No pay-to-rank. Revenue is referral commission on completed switches only. We succeed when customers find a genuinely better deal and switch.

Switch commission
Referral commission on each new policy completed through our platform, calculated as a percentage of the first-year base premium (excluding GST, stamp duty, and levies). Rate agreed per insurer partnership.
%
of first-year base premium
Annual renewal commission
When our autopilot re-runs quotes at renewal and the customer re-confirms their policy with the same insurer, a renewal commission is earned.
Year 2+
recurring retention value
Postcode intelligence (future)
Aggregated postcode-level pricing distribution and competitor rate data. Available as an insurer intelligence product in Stage 2.
B2B SaaS
insurer intelligence layer
Cross-sell & bundling opportunity
Every customer arrives with a full property data profile — bedrooms, contents estimate, flood/fire risk, investment property signals, and household characteristics. Building-only switchers represent an immediate contents upsell. Motor bundling signals are surfaced from household data. Your retention team receives the richest inbound lead profile in the market.
Contents insurance — estimated sum insured already calculated
Landlord insurance — investment property flagged where address differs
Motor bundling — household profile signals multi-policy potential
Rollout timeline

Where we are and
where we're going.

The Northern Beaches POC is our proving ground. 100 properties per suburb, letter-drop acquisition, all major insurers. We're building the data moat before scaling nationally.

POC — Northern Beaches, NSWIn progress
100 properties per suburb across Elanora Heights, Narrabeen, Warriewood, Mona Vale. Multiple insurers. Pre-computation via our overnight batch run across every major insurer. Personalised QR code letter drop.
API integration with founding partnersQ2 2026
First 2–3 insurer API integrations live. Real-time delta re-quotes. Deep link pre-fill for remaining insurers. Conversion rate comparison across all three integration tiers.
Sydney expansion — 50 suburbsQ4 2026
Pre-computation across 50 Sydney suburbs. Full postcode neighbourhood comparison data. Annual autopilot active for first renewal cohort — retention channel live.
National launch2027
All major Australian metro areas pre-computed. Insurer intelligence B2B product launched. Postcode repricing data available to partners.
Australian home insurers in the comparison — seeking API access with all
NRMA Insurance
IAG Group · API preferred
Allianz Australia
Allianz SE · API preferred
AAMI
Suncorp Group
GIO
Suncorp Group
Youi
Rand Merchant Investment
QBE Insurance
QBE Group · API preferred
Budget Direct
Auto & General
CGU Insurance
IAG Group
ANZ Home Insurance
Underwritten by Zurich
CommBank Insurance
Underwritten by Hollard
NAB Home Insurance
Underwritten by QBE
Westpac Insurance
Underwritten by Allianz
St.George Insurance
Underwritten by Allianz
ING Home Insurance
Underwritten by Hollard
Honey Insurance
Digital-native · API preferred
Rollin' Insurance
Digital-native · API preferred
Real Insurance
Hollard Group
Woolworths Insurance
Hollard Group
Coles Insurance
Hollard Group
Virgin Money Insurance
Hollard Group
Kogan Insurance
Hollard Group
Apia
Suncorp Group · 50+ market
Latitude Insurance
Latitude Financial
Bendigo Bank Insurance
Underwritten by Allianz

API-preferred insurers receive faster quote delivery and priority placement in our comparison results. All insurers appear regardless of commercial relationship.

Register interest

Let's talk API access.

We're in active development of our Northern Beaches POC and would welcome conversations with insurer distribution, digital, and product teams. No obligation — we want you to understand what we're building before we launch.

Your details are used only to respond to this enquiry. We don't add you to mailing lists without consent.
Questions? Email us directly: partners@yearly.today

© 2026 yearly.today · Yearly Today Pty Ltd (ACN pending)

yearly.today is a trading name of Yearly Today Pty Ltd (ABN pending). We will apply for an Australian Financial Services Licence (AFSL) or become an authorised representative under an existing licence prior to launch. Comparisons are general in nature and do not constitute financial advice.