On 30 May 2017, the NSW State Government announced it would defer the introduction of the Fire and Emergency Services Levy on council rates (therefore deferring the removal of the ESL from insurance premiums). Over the 2016 - 2017 financial year, we progressively removed ESL - also referred to as FSL (Fire Services Levy) - from insurance premiums. This deferral means that we have now recommenced collection of ESL via relevant insurance premiums.

What is ESL used for?

As a general insurer, we are currently obliged to provide funding to the NSW State Government for emergency services. We (and other general insurers) collect ESL to help pay for the NSW Emergency Services, including Fire and Rescue NSW, the NSW Rural Fire Services and the NSW State Emergency Services.

What does this mean for you?

You will again see ESL being charged as part of certain insurance premiums, including home, contents, motor and commercial property. If you have paid your insurance premium without an ESL charge and make a change during the policy term, you will be charged ESL on any additional premium that is generated as a result of the change.

As an example, below, the base premium has not changed significantly on renewal, however, the total insurance premium has increased due to the reintroduction of the ESL.

Last Year ($) This Year ($)
Base Premium 900.00 950.00
ESL 0.00 147.25
GST 90.00 109.73
Stamp Duty 89.10 108.63
Total Retail Premium 1,079.10 1,315.60

Disclaimer: The above example is calculated based on an ESL rate of 15.5%. We do change the ESL rate from time to time.

Please get in touch if you would like further information.
If you have any questions about the ESL, please contact us on 13 46 46.

Frequently asked questions

  • What is an Emergency Services Levy (ESL)?

    We (and other general insurers) collect ESL to help pay for the NSW Emergency Services, including Fire and Rescue NSW, the NSW Rural Fire Services and the NSW State Emergency Services.

  • Why am I being charged an Emergency Services Levy (ESL) on my premium?

    We began to remove ESL from insurance premiums during the 2016-2017 financial year. However, on 30 May 2017 the NSW State Government announced the deferral of the introduction of ESL (or the "FESL") on council rates (therefore deferring the removal of the ESL from insurance premiums). As a result, we began to reintroduce ESL charges on relevant insurance premiums in late 2017. Customers may find their total premium is higher than last year due to the reintroduction of ESL. This levy is also charged by other insurers in NSW however each insurer decides its own rate for ESL. The money contributed by insurers is used by the NSW State Government to fund vital emergency services.

  • Where can I get more information regarding a ESL charge in my insurance premium?

    If you require any further information regarding the re-introduction of ESL, please feel free to contact us on 13 46 46.