Premium for IP, Life and TPD cover will vary according to your personal circumstances (age, bmi etc, debt level, occupation). You can't really compare yours to what someone else is paying. DH is a financial adviser (own business) and will compare premiums from all top companies for his clients. I would suggest you find someone similar rather than go with individual companies (banks are usually higher premium). There is no charge for this service. that way you know exactly what you are getting for your money (while someone else does all the research for you! )

Also, cover through super may be cheaper but the payout is usually for a limited period - usually for only 3yrs after the claim, compared to say age 60, 70, 75. It does pay to do your research. You also need to keep in mind exactly how much cover you should need to cover your needs - don't buy insurance without someone doing a risk analysis for you first. HTH.