18/06/2026
🏠Insurance is becoming a luxury đźŹ
“Do I go without food for three days a month to have insurance? Can’t do that. Insurance is becoming a luxury.”
That’s what one community member told ARC Justice during research into access to affordable insurance across north-central Victoria.
Our report, Impossible Decisions, found that more people are being pushed into impossible choices between insurance, food, fuel and housing costs.
We’re seeing the impact of climate disasters long after floodwaters recede. People are still dealing with unsafe housing, debt and uncertainty years later.
Read more: https://arcjustice.org.au/our-impact/impossibledecisions/