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Flip. Insurance made for today.

On-demand insurance. Designed to be different.

WIN a $1500 New Zealand Adventure

Celebrate that Flip is now protecting Aussies in NZ.

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WIN a $1500 New Zealand Adventure to celebrate that now Flip is protecting Aussies in NZ.

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What the flip is Flip?

Flip is creating insurance people love by daring to being different.

Instant

On-demand and instantly activated. No waiting periods, no delays. Flip it on, flip it off.

Affordable

Cover for a few bucks. Only pay for the days or weeks you feel at risk.

Simple

Straightforward protection with no confusing jargon.

Learn more about Flip

Word on the street

⭐  ⭐  ⭐  ⭐  ⭐
I had an injury climbing. Flip say they pay claims instantly, but I was not expecting it to be that instant. The money was there in less than 24 hours. The claims experience was super fast and super easy - 10/10!
Jake | Weekend climber | Weekday bike commuter
⭐  ⭐  ⭐  ⭐  ⭐
Flip is simple and I can choose exactly when I want cover. Signing up literally took less than two minutes. Being able to cancel when I don’t need it and get cover again when I do is perfect for my lifestyle.
Marie | Yogi | Runner | Cyclist
⭐  ⭐  ⭐  ⭐  ⭐
I’m always skeptical of insurance products and it being too good to be true, so need to find the catch. Not this time Flip’s the real deal.
Stitch | Runner | Boxer | Noob mountain biker
⭐  ⭐  ⭐  ⭐  ⭐
Between all of my sports, I probably get injured more than most. I feel super protected with Flip because it helps with out of pockets gaps, and random expenses. I wouldn’t be without it for the peace of mind.
Ege | Soccer player | Indoor rock climber | Snowboarder

Get to know our accidental injury cover 🤓

Active people get injured. It’s part of the lifestyle. Medicare doesn’t cover everything, so the unexpected costs can hit hard.

Getting hurt is expensive

Australians spend around $29Bn out of pocket on health expenses each year. Financial pain from injuries can really sting.

Enter Flip

On-demand injury insurance. Multiple cash payouts up to $20K if you get injured in an accident when your cover’s on.

Instant peace of mind

Finally. A simple, affordable personal injury alternative that protects you from unexpected expenses.

Learn about our product

Tell me more about Flip

Drop us your email and we’ll tell you about the latest ways Flip is helping people do more of what they love.
Privacy: Flip collects your personal information that you provide in this form for the purpose of providing you with information about Flip products, services and promotions. If you don’t provide your email address, Flip won’t be able to contact you about these matters. How Flip collects, uses, discloses (including overseas) and keeps and secures personal information, how to request access to and correction of your personal information, how to complain about a privacy breach and how this is handled, and how to opt out of direct marketing, is explained in the Flip privacy policy.
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Flip advice is general in nature. We don’t take into account your personal circumstances, so please consider how appropriate it is for you before taking action. It’s important to read our Product Disclosure Statement and Financial Services Guide and Target Market Determination before signing up, too.

HCF Life Insurance Company Pty Ltd ABN 37 001 831 250, AFSL 236 806 (HCF Life) is the issuer of Flip Insurance. Flip Insurance Pty Ltd ABN 71 648 680 960, ARN 001288198 (Flip Insurance) is a wholly owned subsidiary and authorised representative of HCF Life. HCF Life is a wholly owned subsidiary of The Hospitals Contribution Fund of Australia Limited ABN 68 000 026 746, AFSL 241 414 (HCF), and acts on its own behalf.

Premiums for Flip cover are paid to HCF Life. HCF receives commission of 80% of HCF Life’s underwriting profit each year calculated as premiums less claims and expenses. Flip Insurance may receive remuneration from HCF Life for the financial services it provides in relation to Flip cover. Flip Insurance and HCF Life employees receive a salary, paid by HCF Life, for the financial services they provide in relation to Flip cover. In addition, HCF, HCF Life and Flip Insurance employees may also receive an incentive depending on the total revenue and profitability of the products which they sell. The portion of this attributable to Flip products will not exceed 10% of HCF Life’s premium revenue earned from Flip cover.

Acknowledgement of Country

Flip acknowledges the Traditional Custodians of the beautiful country throughout Australia where we are so lucky to live, work and play. We acknowledge and respect their connections to land, sea and culture. As adventurers, we are deeply grateful to respectfully share the beauty of the waters, mountains, beaches, trees, animals, stars, skies, and important sites. We pay our respect to all elders past and present and offer our respect and thanks to all Aboriginal and Torres Strait Islander peoples today.