An address at the top of a policy schedule is easy to skim past, but the Toowong address that appears on a large number of Australian car insurance documents points to something that actually matters. It identifies the licensed entity carrying your risk. Knowing which company sits behind the brand on your paperwork changes how you compare cover, how you claim, and who you ring when something goes wrong.
What the Toowong Address Actually Tells You
Auto & General Holdings Pty Ltd is based at 9 Sherwood Road, Toowong, Queensland. That same Sherwood Road building appears as the registered office of Auto & General Insurance Company Limited at Level 13, 9 Sherwood Road, Toowong QLD 4066, with a postal address of PO Box 342, Toowong QLD 4066.
A registered office is the address a company uses for official and legal correspondence. It does not mean that every policyholder lives nearby or that claims are processed from that postcode. What it does tell you is where the company is formally anchored, and where written correspondence can be directed if you ever need to send something in writing rather than ring a call centre.
The Auto & General Entities You May Be Dealing With
The name on your paperwork can be one of several related companies, and they do not all do the same job.
- Auto & General Holdings Pty Ltd sits at the top of the structure, based at 9 Sherwood Road, Toowong, Queensland.
- Auto & General Insurance Company Limited is the licensed insurer, with ABN 42 111 586 353 and AFS Licence No 285571. Its registered office is Level 13, 9 Sherwood Road, Toowong QLD 4066, and its postal address is PO Box 342, Toowong QLD 4066.
- Auto & General Services Pty Ltd is a separate Australian private company, ABN 61 003 617 909, active since 1 November 1999.
- Auto & General also runs a Southeast Asia business headquartered in Singapore, which shows the group operates well beyond its Brisbane base.
If you have ever been passed between a sales team, a policy servicing team and a claims team, that handover often reflects these separate functions rather than one single office handling everything.
Which Entity Actually Issues Your Car Insurance?
The clearest way to answer that question is to read the Product Disclosure Statement. The Budget Direct Car Insurance PDS Part A, prepared on 1 March 2021, names Auto & General Insurance Company Limited ABN 42 111 586 353, AFS Licence No 285571 as the product issuer.
That single line of text identifies who stands behind an accepted claim. It is worth more than any badge, logo or television advertisement, because the issuing entity is the one with the licence and the obligation.
The same company website also publishes policy documents for arrangements that sit outside its own brands, including a Product Disclosure Statement for ING Roadside Assistance. One licensed insurer can therefore sit behind several brands and several distribution arrangements at the same time.
What That Cover Looks Like, Level by Level
The car insurance PDS sets out three levels of cover and what each one includes. The summary of cover reads as follows.
| Cover level | Accidental damage to the car | Fire | Theft | Damage to other people’s property |
|---|---|---|---|---|
| Comprehensive | Yes | Yes | Yes | Yes |
| Third Party Property, Fire and Theft | No | Yes | Yes | Yes |
| Third Party Property Only | No | No | No | Yes |
The pattern is straightforward. Only the comprehensive level covers accidental damage to your own car. Every level covers damage you cause to someone else’s property, which is why third party cover still functions as a baseline. The document also lists policy benefits and options separately from these inclusions, so the summary is a starting point rather than the full policy wording.
Brand, Underwriter and Distributor Are Three Different Roles
Three separate jobs sit behind most car insurance policies. The brand is the name you see on the website, the letterhead and the advertising. The insurer is the licensed entity named in the Product Disclosure Statement. The distributor is the channel you bought through, which might be a direct website, a comparison service or a broker.
This distinction matters at claim time. Claims, complaints and disputes are directed at the insurer named in the PDS, not at the brand you remember clicking on. If you only recall the website, finding the right phone number becomes harder than it needs to be. Spend two minutes locating the issuer’s name and licence number now, before you need it.
Contact Points Listed for the Toowong Operation
The published contact details for the Auto & General insurance operation give a sense of how the business is split between claims and general enquiries.
- Claims enquiries: 1300 139 591
- Anything else: 1300 306 560
- Toowong office listing: (07) 3377 8801
- Postal address for the insurer: PO Box 342, Toowong QLD 4066
Auto & General also publishes a domestic and family violence support page for customers, which includes a quick exit button that takes a visitor straight to a general search engine without altering browser history, and a clear direction to call Triple Zero (000) in an emergency. Support resources of that kind are separate from the policy terms, but they are part of what a large insurer provides to the people it covers.
Why This Matters for Toowong Drivers and Local Businesses
If you are comparing auto general insurance in Toowong, or anywhere else in Australia, the practical question is not who has the biggest advertising budget. It is which cover level suits the vehicle and how it is used, and which entity you will be dealing with at claim time.
A car used for private commuting has different exposure from a ute or van used daily for a trade business, and the policy needs to reflect the way the vehicle is actually driven. Getting that description wrong at the start is one of the most common reasons a claim runs into difficulty. If the vehicle is financed or leased, check the finance contract for any insurance conditions before you change cover levels.
Where a Broker Fits Into the Picture
ABS Insurance Brokers Pty Ltd is an Australian-owned brokerage based at Bankstown Airport in Sydney, arranging general and commercial insurance including vehicles, property, business and liability cover for Australian businesses. A broker works across a panel of insurers rather than for a single brand, explains the wording in plain language, and stays involved when a claim is lodged.
Buying direct from an insurer is a perfectly legitimate route, and plenty of people do it. Buying through a broker is the other main route. Neither option is automatically cheaper or better, because the answer depends on the risk, the vehicle and the level of cover required. What a broker can do is line up policies from different insurers side by side and point out where the wording differs in ways that matter later.
A Short Checklist Before You Renew or Switch
- Find the product issuer, ABN and AFS licence number in the Product Disclosure Statement.
- Match the cover level to how the vehicle is genuinely used, not how you wish it were used.
- Read the exclusions and the claims process rather than skipping straight to the premium.
- Save the claims phone number somewhere you will find it under pressure.
- Update the policy after any change of address, regular driver or vehicle use.
- Keep a copy of the PDS with the policy schedule so both documents stay together.
None of this takes long, and it turns a policy you barely understand into one you can actually rely on when you need it most.
Frequently Asked Questions
Who actually underwrites Auto & General car insurance?
The Budget Direct Car Insurance PDS Part A, prepared on 1 March 2021, names Auto & General Insurance Company Limited ABN 42 111 586 353, AFS Licence No 285571 as the product issuer. That company is the licensed insurer standing behind the policy, with its registered office at Level 13, 9 Sherwood Road, Toowong QLD 4066.
Is Auto & General the same thing as the brand on my policy?
Not exactly. The brand is the name you see when you buy, while the insurer is the licensed entity named in the Product Disclosure Statement. One insurer can issue policies under several brands and distribution arrangements. The same company website publishes documents for other arrangements, including a Product Disclosure Statement for ING Roadside Assistance, so the brand and the insurer are separate roles.
Where is Auto & General actually based?
Auto & General Holdings Pty Ltd is based at 9 Sherwood Road, Toowong, Queensland. Auto & General Insurance Company Limited lists its registered office at Level 13, 9 Sherwood Road, Toowong QLD 4066, with a postal address of PO Box 342, Toowong QLD 4066. The group also operates a Southeast Asia business headquartered in Singapore.
How do I contact them about a claim?
The published contact details list 1300 139 591 for claims and 1300 306 560 for anything else. The Toowong office listing shows (07) 3377 8801. Check the current numbers on your policy schedule or the insurer’s own website before relying on any number, since contact details can change over time.
Does the Toowong address mean my policy is handled in Queensland?
Not necessarily. A registered office is a formal address used for legal and official correspondence, not an indication of where every policy is serviced or where claims staff are located. Your policy terms come from the Product Disclosure Statement and schedule issued to you, so read those documents for the cover, exclusions and claims process that apply to your situation.
