Welcome to Symbionic
Making insurance simple and reliable. Learn more about our mission in the below.
Turn your smartphone into a forensic insurance assessor. When the worst happens, you're ready to prove everything you own.
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Full inventory
Making insurance understandable for everyone
We're on a mission to help everyday people around the world gain a better understanding of insurance and how it works. Insurance isn't a necessary evil or an industry to fear — it's a partnership built on shared trust.
By combining smart technology with clear education, we're helping people understand their coverage, make informed decisions, and ensure they have the right protection for their needs.
Our approach: We provide general guidance to help you understand insurance better, while always pointing you to consult with your broker or insurer for specific advice tailored to your situation.
Our products are based on real experience
Symbionic's tools and guidance are built on over 25 years of hands-on experience in the insurance industry across both New Zealand and Australia.
This experience spans the full spectrum of insurance — from sales and customer service to claims processing, assessing, dispute resolution, loss adjusting, building consultancy, and technology delivery. From frontline roles to National Manager level within multiple organizations.
Having led large transformational change initiatives within the industry, we understand the challenges from every angle — policyholders, insurers, and everyone in between. That perspective shapes everything we build.
Global reach, local focus
Initially targeting English-speaking markets with similar insurance terms and conditions
Insurance is really just sharing the risk
The concept of insurance traces back centuries to traders taking their wares to market in boats. They discovered something brilliant: if they distributed their stock between multiple boats, then even if one capsized, everyone still had something to sell at market.
It really is as simple as that. Insurance is about sharing the risk of some of the worst things that might happen to your home, car, contents, business, or even your life.
When everyone plays their part and acts fairly and honestly, it's actually an awesome concept. It's not about fear or distrust — it's about partnership and mutual support.
Our commitment to you
We are committed to helping make insurance simple and easy to navigate.
We are not here to sell you insurance or manage your claim. There are already enough companies out there doing that.
Our aim is simple, but our mission is complex.
By integrating decades of insurance experience into smart tools that anyone can use, we put the control back in your hands and make insurance simple and reliable — because that is what it should be.
How we help you understand insurance
Knowledge is power. We're here to demystify insurance and help you make confident decisions.
Understanding Coverage
Learn what is and isn't covered so there are no surprises when you need to claim
Right Protection
Discover how to choose coverage that actually suits your needs and circumstances
Smart Decisions
Make informed choices with general guidance on when to seek advice from your broker or insurer
Why VerifAEye is different
Created Before Loss
Document everything when evidence is clean and stress is low
Fast Enough to Actually Use
Most people skip contents inventory because it's tedious. We made it fast.
From Memory to Evidence
Transform claims from guesswork into documented, evidenced records
Everything you need to protect what matters
VerifAEye makes comprehensive contents documentation effortless. No tedious spreadsheets, no hours of manual entry.
Why most people struggle with insurance claims
Most people don't really understand insurance or engage with it until they need to claim. As a result, many are under-insured and completely unprepared. They lack evidence of what they owned.
Then, when they're already battling to cope with the incident that caused them to lodge a claim, they have to hunt through receipts and photos, trying to remember everything they had that is now lost. They might miss things, forget to claim them, or be unable to prove items they received as gifts.
VerifAEye helps you be prepared before you need to claim.
When you understand what you need to document and have it ready, insurance works the way it should — as a true partnership.
Simple enough to actually do
Creating a comprehensive contents inventory takes minutes, not hours. Here's how it works:
Snap Photos
Walk through your home with your smartphone. Take photos of your belongings room by room.
AI Does the Work
Our AI automatically identifies items, determines make/model/brand, and calculates replacement values.
You're Protected
Export your complete, documented inventory. When you need to claim, you have undisputable proof of ownership.
From hours to minutes
Traditional contents inventories are tedious spreadsheet exercises that take hours. VerifAEye's AI-powered approach means you can document your entire home in the time it takes to watch a TV show.
Coverage Calculator
Get a rough estimate of your contents value to understand if you might be under-insured
Important: This calculator provides general guidance only. Always consult with your insurance broker or insurer for specific advice tailored to your circumstances.
Insurance Glossary
Understanding the language of insurance helps you make better decisions
Browse by category:
Note: Definitions provided are general explanations. Specific terms and conditions vary between insurers and policies. Always refer to your policy documents and consult your insurer or broker for clarification.
Understanding Your Coverage
Learn what's typically covered, common exclusions, and how to avoid costly surprises
Fire Damage
Usually covers the direct heat, smoke and soot damage caused by a fire at your property. Often includes water damage and even the damage caused by firefighters as well.
Theft and Burglary
Contents stolen from your home during a break-in. You'll need to provide a police report and proof of ownership.
Storm and Water Damage
Damage from storms, rain, or burst pipes. Note: gradual water damage or poor maintenance may not be covered.
Accidental Damage (if included)
Unexpected damage like spilling wine on carpet or dropping your TV. Often an optional extra on your policy.
Age, Wear and Tear
Insurance is for unexpected mishaps life sometimes throws our way. It's not intended to fix things when they become worn out or no longer work due to age or normal use.
Gradual Water Damage
Slow leaks like a leaking shower base, deteriorating seals, or ongoing seepage. Insurance covers sudden, unexpected events, not gradual deterioration.
Unattended Property
Many policies exclude theft if your home is unattended for extended periods (e.g., 60+ days). Check your policy terms.
Deliberate Damage
Damage you cause intentionally, or damage caused by someone you invited into your home.
Home Business Equipment
Standard contents policies may have limits on business equipment. You might need additional cover if you work from home.
Items Away From Home
Some policies cover contents temporarily away (like luggage on holiday), but usually with lower limits. Others exclude this entirely.
High-Value Items
Items over a certain value (often $1,000-$2,000) may need to be specifically listed with valuations provided.
Flood Damage
Flood coverage varies significantly. Some policies include it, others exclude it, some offer it as an optional extra.
Common Claim Mistakes to Avoid
Learn from others' experiences
Smart Policy Tips
Get the most from your insurance
Read the Product Disclosure Statement (PDS)
This document explains exactly what is and isn't covered. Yes, it's long, but the exclusions section is crucial.
Understand your excess
Know how much you'll pay out-of-pocket before insurance kicks in. Higher excess usually means lower premium.
Ask about bundling discounts
Combining contents, home, and car insurance with one insurer often gets you a discount.
Review annually
Your circumstances change - new purchases, lifestyle changes. Review your cover each year at renewal.
Keep your insurer informed
Major changes (renovations, running a business from home) should be disclosed to avoid claim issues.
This is General Information Only
Insurance policies vary significantly between providers and products. This content provides general education about common insurance concepts. Always read your specific policy documents (especially the Product Disclosure Statement) and consult with your insurance broker or insurer for advice tailored to your circumstances.
Get in touch
Ready to protect what matters? Interested in partnering with Symbionic? We'd love to hear from you.
symbionic@gmail.com
Phone
(+61) 431 172 144
Location
Serving AU, NZ, US, CA, UK & IE
