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I have EBM insurance for my IP's (expensive). I use cheaper insurance for my PPOR (Coles/NRMA). NRMA/Coles would not insure (Landlord) my older IP when I checked with them.

I have insurance but never claimed. When you apply for new insurance - car, house they ask - "have you made any claims in last xxx years". The minor repairs are tax deductable - right? Any suggestions on when to/not to claim please.