23/09/2026
Buying an old house? Need a bulding insurance cover?
Be aware! get an electrical inspection and a certificate of compliance. Australian insurance companies can and frequently do ask for proof of electrical compliance or a specialized electrical inspection report for properties older than 15 to 20 years. While rules vary slightly by insurer, older properties are flagged as higher risk due to the natural degradation of wiring (such as old rubber or fabric insulation) and outdated switchboards that lack modern safety switches (RCDs).
Why Insurers Ask for This
• Risk Assessment: Insurers use this to determine if they will offer you a policy or calculate your premium. Properties with un-inspected, ancient wiring are a high fire risk.
• Claim Denials: If an electrical fire occurs and you cannot provide a valid compliance certificate for renovations, or if the wiring was neglected, the insurer can legally refuse or reduce your claim.
What Documents Satisfy the Insurer?
Depending on whether you are buying, renewing, or modifying a property, you will need one of the following:
1. Certificate of Electrical Compliance / Safety: This is an official document issued by a licensed electrician strictly at the time new electrical work is done (e.g., a switchboard upgrade or house rewiring). It proves the specific work meets Australian Standards (AS/NZS 3000). Note that names vary by state:
• NSW: Certificate of Compliance Electrical Work (CCEW)