We just changed insurers after our landlords insurance went up by half as much again with no explanation except 'stamp duty increased 1.5%' WTF?! They weren't willing to budge, so we went elsewhere.

We've consolidated all ours - landlord, contents (for the house we're living in) and two cars. Saved a couple of hundred dollars. Could've been more if we'd split the cars, but the convenience factor won out

Car insurance is a must for us. If your cars aren't worth much and you're a safe driver (or maybe don't drive far) you could consider just CTP and putting the money you save on comprehensive insurance in an account for emergencies...better in your pocket and you might earn a little interest too

There are online calculators for contents insurance - we found insurers always overestimated the value of our stuff so insure for less than they suggest.

4Health insurance is a must here too - the cost of regular dental, chiro, physio, optical and hospital (pregnancy) means it's well worth it. I have also had bad public hospital experiences, so that clouds my judgement too, lol! DS has also started OT, so that's covered too. If I was in perfect health and finished having babies, we'd consider letting it lapse and again put the equivalent money in an account. By the time we'd need it, we'd have more than enough to cover any bills, even major dental or surgery. We try to make sure we get our money's worth by using what we can - no gap providers, plus there's extra for filling out a health survey and things like gym memberships can be covered too (still working on getting DH to join, lol!). Ours is through my work, and the cheapest we could get after shopping around.

Life insurance etc is something we don't have but have considered. With me not working, things would be dire if Anything happened to DH...but there is a benefit from his super. Not sure of the conditions to access it though...