HIA Insurance Services is a specialist insurance broker providing construction-focused insurance products and risk advice for builders, tradies and the residential building industry across Australia, as a joint venture between Aon and the Housing Industry Association (HIA).
Owned by Joint venture between Aon and the Housing Industry Association (HIA)
About HIA Insurance Services
HIA Insurance Services is a specialist insurance broker focused on the residential construction industry across Australia. Established as a joint venture between Aon and the Housing Industry Association (HIA), they arrange a wide range of construction-related insurance products for builders, trade contractors and related businesses. Typical covers include contract works, public and products liability, builders warranty/home warranty insurance (where applicable by state), tools and equipment, commercial motor, management liability and business package policies tailored to construction risks. They also provide risk advice, policy placement and ongoing support with claims.
A charge from HIA Insurance Services on your bank or credit card statement usually relates to an insurance premium or broker fee for one of these policies. This may be a one-off annual premium, a monthly or fortnightly instalment if you selected premium funding or direct debit, or a payment linked to a project-based policy such as contract works or home warranty insurance for a particular job. You might also see a charge when you renew an existing policy, add an additional insured project, adjust your cover mid-term, or pay a minimum deposit premium. In some cases, a pending or slightly different amount may appear due to payment processing, currency rounding, or authorization holds when a card payment is first attempted.
If you’re unsure about a HIA Insurance Services charge, first check recent policy documents, renewal notices, tax invoices and payment confirmations emailed to you or stored in your broker/client portal, if you use one. Compare the date and amount of the charge to your policy start or renewal dates, and to any recent endorsements or additional project certificates you requested. To resolve questions, contact HIA Insurance Services via the details on hiainsurance.com.au (typically through their contact form or phone) with your full name, business name, policy or quote number and the exact amount/date of the charge. They can confirm what the payment relates to, resend invoices, correct billing errors, discuss cancellation options and advise on refunds where applicable under the insurer’s and premium funder’s terms.
Bank Statement Variations
1 known variations
These are the raw merchant codes that appear on bank and credit card statements that we've identified as belonging to HIA Insurance Services.
Why have I been charged by HIA Insurance Services when I haven’t taken out a new policy?
Many charges from HIA Insurance Services relate to renewals or adjustments to existing policies rather than brand-new cover. If you authorised automatic renewal or recently changed your sums insured, added vehicles, or updated your business activities, a revised premium or adjustment may have been processed. Check your latest renewal schedule or endorsement notice in your email or client portal. If you still can’t identify the charge, contact HIA Insurance Services with the date and amount so they can trace it to a specific policy.
What kinds of insurance payments typically appear from HIA Insurance Services on my statement?
You may see charges for annual or monthly premiums on policies such as contract works, public liability, builders warranty/home warranty (where applicable), tools and equipment, business package or management liability. Payments can also relate to job-specific certificates (for example, home warranty insurance for a particular residential project) or mid-term changes like adding a new vehicle or increasing contract values. Depending on how you set up your policy, the charge may be processed directly by HIA Insurance Services, by the underlying insurer, or through a premium funding arrangement. The descriptor on your statement will commonly include wording like “HIA Insurance” or similar.
Does HIA Insurance Services offer monthly or instalment billing and how does that appear on my account?
Yes, many policies arranged through HIA Insurance Services can be paid via monthly or periodic instalments, often through a premium funding provider. In that case, you’ll see a regular recurring charge (for example monthly) for the same or similar amount for the duration of the funding contract. The descriptor may reference HIA Insurance Services, the premium funder’s name, or both, depending on your agreement. Your funding schedule or instalment notice will show the total payable, number of instalments, and approximate debit dates to match against your bank statement.
How do I cancel or stop recurring payments to HIA Insurance Services?
To cancel ongoing insurance payments, you must first request cancellation or non-renewal of the underlying policy or amend your premium funding arrangement. Contact HIA Insurance Services via the details on hiainsurance.com.au and provide your policy number, business name and the date you want cover to end. They will confirm any cancellation conditions, calculate any return premium (if applicable) and advise whether further instalments will be taken. Do not rely solely on stopping a bank direct debit, as this can leave you owing outstanding premium and potentially uninsured.
How can I request a refund for a charge from HIA Insurance Services?
Refund eligibility depends on the insurer’s terms, the type of policy, and whether a premium funding agreement is in place. If a policy is cancelled mid-term or a correction reduces your premium, you may receive a pro-rata return premium minus any minimum and non-refundable fees. Contact HIA Insurance Services with your policy details and proof of the charge; they can review the account, process any allowable refund, or arrange adjustments through the premium funder. Refunds are usually returned to the original payment method or offset against outstanding amounts on your account.
Why do I see a small or temporary HIA Insurance Services charge that later disappears or changes amount?
When paying by card, a temporary authorization hold may be placed by your bank to verify the card, which can appear as a pending charge and then drop off or be replaced by the final premium amount. In some cases, partial or split payments may occur if a transaction is retried or processed through a premium funding facility. These holds are managed by your bank and typically clear within a few business days. If a pending amount does not resolve or is duplicated, contact both your bank and HIA Insurance Services with screenshots of the transactions.
What are common charge amounts or patterns I might see from HIA Insurance Services?
Amounts vary widely depending on your trade, state, turnover, contract values and covers selected, so there is no single standard figure. Builders and tradies often see larger one-off premiums at the start of the policy period or prior to commencing a project, followed by smaller adjustment or certificate fees during the year. Clients using premium funding will see consistent monthly or periodic debits for the same amount until the funding term ends. If an amount seems out of line with your usual premiums, review your latest policy schedule or endorsement for changes in cover, limits or rating factors.
How can I verify that a charge from HIA Insurance Services is linked to my account or business?
Start by checking all recent policy schedules, certificates of currency, home warranty certificates and tax invoices emailed to the primary contact for your business. Look for the last four digits of the card used, the bank account listed for direct debit, and the billing name (personal or company) printed on your documents to confirm the payment method. If you work for a building company, the charge may relate to a business policy paid using a card or account in your name, or vice versa. If you still can’t match the transaction, contact HIA Insurance Services with your full name, ABN (if applicable), business name, and details of the charge so they can search their system and confirm whether it belongs to you.