What is the ESL?

The ESL is a regular contribution towards emergency services agencies in NSW. The ESL is added to your insurance payments each year. Once collected, your ESL contribution then goes towards funding emergency services in NSW, where it helps to keep our community safe during times of urgent need.

Changes to ESL are on hold

On 15 December 2015 the NSW Government announced that ESL contributions would be replaced by a new Fire and Emergency Services Levy (FESL). It was announced that the new FESL would be collected with council rates, instead of insurance, from 1 July 2017.

However, on 30 May 2017, the NSW Government announced its intention to delay changes to how emergency services are funded in NSW.

Prior to the Government’s announcement to defer the FESL reform, we progressively removed the ESL for policies due for renewal from 1 July 2016 to 30 June 2017. So now, with deferral of the new FESL legislation, ESL will continue to be collected with insurance policy premiums.

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If your policy has an amount charged for ESL, you’re contributing to NSW emergency services for the financial year in which your policy starts. This is also because ESL will continue to be part of insurance policies as a result of the Government announcement to delay changes. Your ESL contribution will continue to be collected with your insurance policy premium until the NSW Government advises us otherwise.

The NSW Government identified that some businesses were unfairly impacted by the new FESL, so the changes have been delayed indefinitely.

You don't need to do anything. Any ESL collected with your policy will be used to fund NSW emergency services and your policy documents will show your contribution. Your ESL contribution will continue to be collected with your policy premium until the NSW Government advises us otherwise and we'll keep you updated as we find out more.

The delayed changes to ESL won't impact the support you receive for emergencies. You'll continue to receive the support of NSW Fire and Emergency Services should you need it. And provided you renew your insurance, you'll continue to be covered under the terms of your policy.

Prior to the NSW Government's announcement to defer the FESL reform, we progressively removed ESL for policies due for renewal from 1 July 2016 to 30 June 2017. So now with the deferral of the new FESL legislation, ESL will continue to be part of insurance policy premiums. The amount of the ESL may have increased from your last renewal. All ESL that's collected with your policy premium directly contributes to the funding of NSW emergency services.

If your policy doesn’t have an amount charged for ESL it’s because we removed it in preparation of the FESL reform. You won’t be asked to pay ESL for the current term of your policy, unless you add a new risk or new cover.

No. With the delay in changes, councils will not be charging any ESL as it'll be collected on insurance policies.

ESL is collected each financial year as part of home, fire, onsite caravan, motor, personal valuables and watercraft insurance payments.

The ESL Insurance Monitor was established in June 2016 as an independent body. One of its functions is to monitor the prices of ESL applicable products. Professor Allan Fels AO and Professor David Cousins AM have been appointed by the NSW Government as the ESL Insurance Monitor and Deputy Monitor, respectively. You can visit the ESL Insurance Monitor website for more information.

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