What is the NSW Emergency Services Levy (ESL)?
The ESL provides funding for emergency services in NSW, including Fire and Rescue NSW, the NSW Rural Fire Service and the State Emergency Service, which helps keep our community safe.
Changes to the ESL
The way emergency services are funded in NSW is changing.
Currently, insurers collect ESL, which is used to fund our emergency services in NSW. ESL is levied as part of the insurance premiums that are payable by individuals and businesses when they insure property in NSW.
In December 2015, the NSW Government announced a new approach to funding emergency services.
What is changing?
The NSW Government has announced plans for ESL to be removed from insurance premiums and replaced with an Emergency Services Property Levy (ESPL) which will be paid alongside council rates.
Will the cost of my insurance premium decrease?
Premiums are regularly reviewed and take into account a number of risk factors such as location and construction, claims history, type of cover selected and indexation of sum insureds, as well as business expenses, including operating and reinsurance costs. Any changes to our premiums are independent of changes to the NSW ESL.
If I’ve already paid for ESL through my insurance premium, will I have to pay again through my council rates?
You won’t be paying twice. Your insurance policy that began or was renewed before ESL was abolished will cover you for the relevant financial year. The ESPL to be included in your council rates will cover you for the subsequent period.
What does this mean for you?
In line with Government guidance, we will continue to collect ESL as part of your insurance premium until the ESL is abolished and ESPL is introduced. During the transition period we will monitor the amount of ESL we collect and review and adjust the ESL rates to make sure the appropriate amount is collected by us as required by the NSW Government.
If you have any questions about the changes to ESL or the amount of ESL that applies to your policy, please call us on 1300 021 413.
Section 30 Notice
As required by the NSW Government, here is a copy of QBE’s Section 30 Notice.