Upload your policy. Our AI benchmarks your premium against the real market and tells you exactly what you should be paying.
How it works
No broker. No hidden agenda. Just a clear read on where you stand.
Drag in your current insurance document. We accept any Australian home, car, or life policy from any provider.
Centza reads your coverage terms, excess levels, and premium. Then it compares you against live market pricing for an equivalent policy.
You get a plain-English breakdown of how your premium stacks up, what you're likely overpaying, and what to do about it.
The insurance industry's dirty secrets
Brokers and comparison sites earn commission from insurers when they place your policy. That incentive sits between you and the best price. You never see the conflict.
Insurers price individually. There's no published rate card, no easy way to compare apples with apples. Consumers are deliberately kept in the dark.
Insurers raise premiums quietly at renewal, banking on inertia. Switching saves money nearly every time, but most people never check.
Australian consumers collectively leave over $4 billion on the table every year by not switching or renegotiating their insurance. Centza changes that math.
What Centza does
The tools large corporates use to manage insurance costs, now available to everyone. For free.
A single number that tells you how your premium compares to the real market for equivalent cover. 100 means you're at market. Below that, you're overpaying.
A separate signal that flags when your policy structure looks designed to minimise payouts rather than protect you. Coverage gaps included.
No policy jargon. Centza translates the fine print into what actually matters: what's covered, what isn't, and where the gotchas are.
Your policy benchmarked against current offers from across the Australian market, like-for-like. Not last year's data. Not paid placements.
Centza charges you directly and takes nothing from insurers. No referral fees, no placement commissions, no financial incentive to point you anywhere in particular.
Results in under 60 seconds. No waiting on a broker to call back. No appointment. Upload, read, decide.
The problem is real
overcharged on home insurance annually — ASIC, 2023
Source: ASIC Report 783. Centza is built to give this money back to consumers.
Get early access
We're building Centza for Australians who are done paying over the odds. Join the waitlist and get priority access when we open the doors.
No spam. No broker referrals. Just a heads-up when we're ready.