What is the NSW Emergency Services Levy (ESL)?

The ESL, also referred to as Fire Services Levy (FSL), contributes to funding for fire and emergency services in NSW. These services include Fire and Rescue (FRNSW), Rural Fire Services (RFS) and State Emergency Services (SES).

Traditionally, insurance companies collect ESL as part of a customer’s premium on their home, car and some commercial insurance policies.

This ESL is charged by insurers on the basic premium to fund their liability to the emergency services contribution scheme.

How can I check how much ESL I am currently paying?

The ESL charge that you are currently paying is listed on your current Home and/or Car Certificate of Insurance.

I have received my Home or Car insurance renewal, how can I compare my new premium to what I paid last year?

Our Home and Car policy renewals are now showing comparisons between your current renewal versus your last year premiums paid.

Will I get a refund of the ESL if I cancel my policy?

If you paid ESL on your policy and your policy is cancelled, you will be refunded the remaining pro-rata premium including a pro-rata ESL.

Explore our range of insurance products

Tell me more

Things you should know

This article is intended to provide general information of an educational nature only. It does not have regard to the financial situation or needs of any reader and must not be relied upon as financial product advice.

Home Insurance and Car Insurance is provided by CommInsure, a registered business name of Commonwealth Insurance Limited ABN 96 067 524 216 AFSL 235030 (CIL). CIL is a wholly owned non-guaranteed subsidiary of Commonwealth Bank of Australia ABN 48 123 123 124 (The Bank). The Bank does not guarantee the obligations or performance of CIL or the products it offers. Where we refer to 'we', 'us' and 'our', we mean CIL.

This information has been prepared without considering your objectives, financial situation or needs, you should, before acting on this, consider the appropriateness to your circumstances. A Product Disclosure Statement is available at all Commonwealth Bank branches, by downloading them from commbank.com.au or by calling 13 2423 and should be considered before making any decisions about this product. You should also read the Home Insurance Key Fact Sheet (For Home Insurance only) , Financial Services Guide and Privacy Policy which are also available by calling 13 2423.