Insurance broker referral partner program

A new address on a policy is a move in progress.

The insurance broker referral partner program pays you commission on utility connections for clients you refer when their home or landlord policy moves to a new address.

Become a partner How it works

200,000+Australians connected since 2017

20+Retailers compared per address

2 daysTo go live as a partner

Paid monthlyItemised per client $0 to your clientRetailers fund it

Written by [Author name], [Role] · Reviewed by [Reviewer name] · Updated 16 September 2026

20+ retailers and providers compared for every client you refer

Why brokers are early

You see the move before almost anyone else

You hear about the move before most of the chain does. This page covers what it earns, the admin it adds (one sentence) and how it sits with your AFS licence.

Step 1Contract signed or tenancy approvedThe address is decided
You are hereStep 2Cover written at the new addressA required step, done early
Step 3Removalist bookedUsually closer to the date
Step 4Settlement or lease startThe keys change hands
Step 5Power, gas and internet neededOn move-in day

Commission

What your book would have earned

You earn an agreed commission on each utility service that connects for a client you refer, paid monthly and itemised per client.

A utility connection referral for insurance brokers is paid on connections that complete, not on names passed across. If a client declines or never connects, nothing is owed in either direction.

Your client is never charged. They sign up with the retailer they choose, at that retailer's advertised rates, and the retailer remains bound by the consumer protections overseen by the Australian Energy Regulator (checked September 2026). The retailer funds the commission.

How the commission is paid

Confirmed in writing before you sign

When commission is and is not paid
What triggers payment	What does not	When it is paid
A connection that completes and stays active through the qualifying period	A referral that does not convert	Monthly with a statement per client
Each service connected (electricity, gas, internet)	A client who declines	Monthly
Both residential and commercial where applicable	A duplicate or test referral	Monthly

Per connected service

Paid every month

Nothing to your client

Services we offer your clients

ElectricityFor move-in day GasBooked with lead time Broadband and NBNBefore the technician Mobile and 5GHome wireless options

RemovalistsBooked for moving day

CleaningBond and move-in cleans

Where it fits

Owner-occupier and landlord policies

Referring at the policy change takes a job off your client in the busiest week of their move, and that goodwill matters as much as the commission.

Home insurance and utility connection come up in the same conversation, but for two different people: on a home policy your client is moving, behind a landlord policy it is the incoming tenant.

Home policies

The client is the one moving

When you write cover for a home the client has not yet moved into, that client will still need to have electricity and gas for the new address booked before settlement, and most clients have not started on it by the time they speak to you about cover.

One sentence in the policy call hands that job to a specialist who compares the panel and books every service. It takes one item off the long list of what a client organises when moving, and it arrives while there is still time to choose properly rather than scramble in the final days before the move.

You mention it
We call the client
You earn monthly

Landlord policies

The incoming tenant is moving

Once the details come through, we contact the incoming tenant directly, compare the panel for that address and then arrange a tenant's electricity connection for the lease start date, so neither your client nor their property manager spends the first week of the tenancy chasing it.

Tenants are free to decline and arrange their own connection, and plenty do. For those who want to understand the steps first, there is a plain guide to how a tenant connects utilities in a rental, covering timing, cut-offs, meter access and what to have ready before they speak to anyone about it.

Policy updated
We call the tenant
You earn monthly

The question worth asking

Who owns the connection service you use now?

An independent connection service compares more than 20 retailers for each address, rather than being owned by, or recommending, a single energy retailer.

Some connection services are owned by an energy retailer and say so in their own disclaimers. That is a legitimate model, but it is not a comparison. Ask who owns your current service, then look at how the connection services compare on ownership, panel size, commission terms and whether the old address is disconnected as part of the same call to the client.

Your clients can test any recommendation against Energy Made Easy, the government comparison site run by the Australian Energy Regulator (checked September 2026). An independent panel should hold up to that check.

Independent connection service compared with retailer-owned service models
Feature	Independent	Retailer-owned
Compares across retailers	20+ on the panel	Check their disclaimer
Owned by an energy retailer	No	Sometimes
Commission schedule in writing	Before you sign	Usually on request
Exclusivity required	None	Varies by agreement
Old address disconnected	Yes	Often not included

Describes retailer-owned service models generally, not any single provider.

Is your current service owned by an energy retailer?

How many retailers does it compare per address?

Is the commission schedule in writing before you sign?

Partner types

The same model across partner types

Mortgage brokers

Finance brokers use exactly the same independent arrangement in the quiet weeks between approval and settlement, and you can see how this works for mortgage brokers, which matters when a client is buying and insuring the same property in the same few weeks before moving day.

Accountants

Accounting practices refer clients moving home or premises, with business energy compared through specialist retailers, so it helps to know how this works for accountants when a joint client should hear the same independent story from both advisers, whichever of you happens to raise the move with them first.

Property managers

Landlord clients usually have an agency arranging the tenancy as well, so before you refer a tenant it is worth checking how this works for property managers, so the incoming tenant gets one clear call about their connections rather than two competing calls in the same week.

What changes

Better for you. Better for your client.

Referring adds a separate commission line for your brokerage and saves your client a round of calls, without changing how you advise on cover.

For your brokerage

An adjacent commission line

This is insurance broker additional revenue that sits outside your insurance remuneration, reported and paid on its own statement. Nothing about the policy, the premium or your advice changes.

No extra outreach, the conversation already happens
Monthly statement, split by broker or branch
Itemised separately from insurance remuneration

For your client

Consistent with what you already do

Clients hire you to compare a market on their behalf, and utility connections for insurance clients should meet the same standard. One call explains how the connection works, compares the panel for their address and books each service they choose, with nothing charged to them at any point.

20+ retailers compared
One call, everything booked
Health insurance compared too, if wanted

After you refer

What happens after you refer a client

You pass on the client's name and new address. We handle the call, the comparison and the booking, and you see the result on your statement.

What you do

Mention the service during the policy call and send the client's details through the partner dashboard or by email.

What we do

Call the client, compare the panel for the new address, book each service they choose and arrange disconnection at the old address.

How a referral runs from policy call to move-in day

A specialist contacts the client within [X business hours] of the referral. The call confirms the move date, the services needed at the new address and any meter or access details. The specialist then compares the panel of more than 20 retailers and providers and books each service the client chooses for the move-in date.

The client deals with one person from first call to connection. If the move date changes, the client or the broker tells us once and every booking is moved together. Each referral appears in the partner dashboard with its status, so the broker can answer a client's question without chasing anyone. A client who declines is marked as closed and is not contacted again.

Referral sent YouName and new address, from the policy call
Client calledWithin [X business hours]
Panel compared20+ retailers for that address
Services bookedOld address disconnected in the same call
Status in your dashboardCommission paid monthly once connected

Since you're moving, would it help if Move-In Connect called you to sort out power, gas and internet at the new place? It costs you nothing.Example line to use in the policy call

Who is behind this

The people and sources behind this page

Written and reviewed

[Author name][Role], [X] years arranging connections

[Reviewer name][Role], reviewed 16 September 2026

The operation

Based in: Level 2, 134 Flinders Street, Melbourne
Connecting since: 2017, over 200,000 Australians
Panel includes: EnergyAustralia, ActewAGL, Momentum Energy, Powershop, Shell Energy, Blue NRG, Dodo, OVO Energy and more
ABN: 66 168 166 667

Sources on this page

Questions

What insurance brokers ask us

Short answers to the questions brokers raise before they sign.

Still have a question?Talk to the partner team, Monday to Friday, 9am to 8pm AEST.1300 362 580

Can insurance brokers earn referral commission?

Yes, subject to your AFS licence obligations and your licensee's policy on referral arrangements. Confirm the position with your compliance team first.

What can insurance brokers offer clients who are moving?

An independent utility connection service. The client is already updating their address on the policy, so the conversation is a natural extension.

Does this apply to landlord policies?

Yes. A landlord policy address change usually signals a tenancy change, which means a tenant connection rather than an owner-occupier one.

Is this a financial product?

No. Utility connection is not a financial service, but how the referral sits alongside your licensed activity is worth confirming with your licensee.

When is the best time to raise it?

At the point the new address is added to the policy. That is usually earlier than most other partners in the chain see the move.

Become a partner

Tell us about your brokerage

We call back within one business day. Nothing to sign to have that conversation.

We call you backTo understand your book and workflow
You get it in writingCommission schedule and disclosure wording
You start referringUsually within two business days

The conversation is already happening

You are already updating the address. Add one sentence to that call and the comparison, the booking and the follow-up are handled for you, with commission on every service that connects. Start with a single referral to Move-In Connect and see how it runs.

Become a partner 1300 362 580