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If the contract has gone "unconditional" then you couldn't even get out on the basis of the building inspection. Just get the insurance already ;)

In Brisbane, we have always been told we MUST have insurance in place (or a cover note at the very least) by 5pm the day after signing the contract. We used to get the freebie cover note, but last purchases we had to pay up front the twelve month premium. Probably insurers are sick of covering...