Student/Share Accommodation2022-07-25T14:03:28+09:30


In today’s housing climate with housing affordability being a major concern to a majority of Australians our clients have found that using their rental properties for organised share housing, otherwise known as Sharehouse, Shared Living, Step Housing, HMO or Multi generational living has been a financially viable way of keeping their rental properties tenanted. However, this comes with its own specific insurance requirements.


  • Specialists in Student/Share Accommodation Insurance

  • Specialising in all multiple lease properties

  • Speak to someone who understands your needs

  • Deal direct with the creator of Student/Share Accommodation Insurance

  • Guaranteed value for money on like for like products

  • 24 hour dedicated in-house claims team

  • Customised product for your circumstances

  • Pay by the month payments available

  • Automatic renewal and review to ensure continuity of cover

  • Reference point for major Student/Share Accommodation providers


Most student or share accommodation properties are insured under domestic home policies. This is insufficient and claims made under these policies will be rejected. Suppose a tenant fell down the stairs and became permanently incapacitated and they, or their family, claim $5,000,000 compensation from you, how would you pay them?

If you submitted a claim under the public liability section of a home or landlords policy to indemnify you, you can guarantee the relevant insurance company will thoroughly investigate the use of the property and the claim would be rejected unless you had a policy specifically designed for this purpose. We would add that all agents for owners of student and share accommodation facilities could be held vicariously liable if the correct insurance cover is not in place. We have developed a facility through an APRA approved insurance company which is designed specifically for the student accommodation industry.

Contact Karen Takken via (07) 5432 2209karen.takken@mga.com
or complete the online Application Form.

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Frequently Asked Questions

Is MGA community minded?2020-02-19T09:29:45+10:30

MGA is located in all mainland states and territories, both in metro and regional centres. In each of these locations MGA is a part of the local community and support is provided through local sponsorships and donations to a wide variety of sporting clubs, community groups, charities and events. On a national level the MGA Whittles Community Foundation was set up to facilitate fundraising by staff, along with contributions from MGA and its sister company, Whittles, from which 100% of funds are then donated to worthy charities.

For more information, please visit www.mgawhittlesfoundation.org.au

To find your local MGA office, see www.mga.com/our-offices/

Where can I find my nearest MGA Insurance Group office?2021-04-19T12:15:58+09:30

MGA has over 40 offices (and growing), located in both Metro and regional areas across mainland Australia and one in Phnom Penh, Cambodia. Office contact details can be found on our website, view our offices.

Why is it important to have the right insurance?2020-02-19T09:30:11+10:30

It’s important to understand your own risks so you can choose the right insurance product. In Australia, we have over 100 licensed insurers that offer a broad range of insurance products to choose from. Each insurer offers policies with different terms and conditions and exclusions so no two policies are the same. MGA brokers can provide advice on a wide range of general insurance products, both for domestic and business purposes and also have access to insurance policies that are not readily available to consumers.

Shouldn’t I just use an Insurance comparison website?2020-02-19T09:29:31+10:30

Some people turn to insurance comparison sites to look for the cheapest insurance, but that’s not always the best way as price is not the only thing you should consider. The policies you’ll be offered are usually fairly generic and may not meet your individual requirements. MGA brokers can arrange insurance cover on your behalf and provide advice on how to make the most of your insurance budget.

What’s the difference between an insurance agent and an insurance broker?2020-02-19T09:30:24+10:30

The main difference is that an insurance agent is a direct representative of the provider of the insurance policy being offered to you, their responsibility is to sell the products from those insurers and no others. They may be a multi agent where they provide covers from several providers, but they continue to only sell products from those insurers.

An insurance broker on the other hand is able to access many different insurers (excluding those that only sell direct to the public), matching the customer’s needs to the insurance policy and negotiating changes that may be required. Insurance brokers are engaged by the customer and are working on their behalf to source, negotiate, maintain, renew and assist in the claim process. An insurance broker is an advocate for the client, not the insurance company.

Can I pay for my insurance online?2020-02-19T09:30:44+10:30

Yes, you can pay for your insurance online through several different payment methods. Visit www.mga.com/payment-options/ to find a payment method that suits you.

How do I find my policy number?2020-02-19T09:30:53+10:30

Your policy number can be found on the tax invoice that you received when you purchased your policy. View example.

What is a Product Disclosure Statement (PDS)?2020-02-19T09:31:02+10:30

A Product Disclosure Statement (PDS) provides you with essential information to help you make a decision about whether to buy a particular product. It describes in clear terms the main features and the terms and conditions of the policy. A PDS also provides information about the cooling off period after you purchase the policy in case you change your mind and outlines what you need to do in the unlikely event you have a complaint.

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