For insurers & corporate property portfolios
What would replacing every flexi hose actually save you?
Flexible hose failure is one of the most common and most expensive escape-of-water claims. Enter your portfolio numbers below to model the full cost, the claims avoided, and the premium retained, then export it as a branded report.
- AS 3499:2022
- Independently tested
- WaterMark certified
- Australian designed & owned
- 15-year warranty
- Burst-proof guarantee
- Prevention, not detection
- Stops the loss at source
Trusted by Allianz and Chubb
The insurance flexi hose of choice
Tested to 41,000 kPa with no failure
Your portfolio
Appears on the PDF, CSV and email summary
Australian dollar
Applied to install cost
No conversion is applied. Enter every figure below in AUD. Tax rates are defaults only; confirm your own.
Total insured properties
Avg no. of flexi hoses
Per flexi hose burst
Est. flexi hose claims p.a.
Years of claims modelled
Dial down for a conservative case
Per policy
Expected renewal rate
Installation cost
240,000
$32,400,000
$35,640,000
$17,820,000
Claims savings (5-year view)
$48,000,000
of $48,000,000 gross
$12,360,000
35%
$1.35
3.7 yrs
Renewal revenue (Yr 1 + Yr 2)
18,000
$270,000,000
$234,360,000
When it pays for itself
Hover the chart for year-by-year figures.
View as a table
| Year | Cumulative cost | Claims avoided | Net position |
|---|---|---|---|
| Now | $0 | $0 | $0 |
| 1 | $17,820,000 | $9,600,000 | -$8,220,000 |
| 2 | $35,640,000 | $19,200,000 | -$16,440,000 |
| 3 | $35,640,000 | $28,800,000 | -$6,840,000 |
| 4 | $35,640,000 | $38,400,000 | $2,760,000 |
| 5 | $35,640,000 | $48,000,000 | $12,360,000 |
Stress test
That's the break-even line. Prevent any more than that and the program is already ahead on claims alone, and that's before counting claims handling, temporary accommodation, or retained premium.
The case in one line
Replacing 240,000 flexi hoses across 20,000 properties costs $35,640,000 (inc GST). Estimated claims avoided over 5 years: $48,000,000. Net benefit: $12,360,000, a 35% return on prevention spend, before factoring in reduced claims handling costs and customer loyalty uplift.
Take these numbers with you
Every export reflects the assumptions you have entered above, in AUD. The PDF is branded and ready to circulate internally.
Important: please read
This calculator produces indicative modelling only, generated arithmetically from the assumptions you enter. It is not financial, actuarial, insurance, tax or legal advice, and it does not guarantee any claims, premium or cost outcome.
Read the full disclaimer
- Indicative modelling only
- Every figure shown is arithmetic applied to the inputs you supply. Australian Plumbing Products Pty Ltd has not verified those inputs and has not reviewed your portfolio, claims history, reinsurance arrangements or underwriting position. No representation is made that these results reflect what your portfolio will actually experience.
- Not professional advice
- Nothing in this calculator or any report it generates constitutes financial, actuarial, insurance, underwriting, accounting, tax or legal advice, and none of it takes account of your objectives, financial situation or needs. Obtain your own independent professional advice before relying on any figure here or making a procurement, pricing or underwriting decision.
- Assumptions and simplifications
- The model spreads claims and prevention evenly across the analysis period, holds renewal revenue flat with no compounding and no attrition, and excludes claims handling, temporary accommodation, loss adjusting, inflation, discounting, the time value of money, installation and labour costs, and any other charge not entered above. Claims avoided are calculated at the prevention rate you select; no prevention rate is warranted or guaranteed.
- Currency and tax
- Currency and tax settings affect presentation and arithmetic only. The rates offered are defaults that may be out of date or inapplicable to your jurisdiction, transaction or entity, no currency conversion is performed, and figures in one currency are not converted from or comparable to another. This is not tax advice. Confirm the correct treatment with your own adviser.
- Product and pricing
- Statements about No Burst Flexi hoses, including certification, testing and warranty, are subject to the product documentation and warranty terms in force at the time of supply. This report is not an offer, quotation or contract, and the prices shown are the ones you entered, not a quoted price.
- Liability
- To the maximum extent permitted by law, Australian Plumbing Products Pty Ltd, its related bodies corporate, and their officers, employees and agents exclude all liability for any loss or damage, however arising, from any use of or reliance on this calculator or any report it generates. Nothing here excludes any right or remedy that cannot lawfully be excluded, including under the Australian Consumer Law.
The shareable link carries your assumptions in the URL, so whoever opens it sees exactly this model.
Your portfolio · 5-year outlook
Net benefit after installation over 5 years
Replacing 240,000 flexi hoses across 20,000 properties costs $35,640,000 (inc GST). Estimated claims avoided over 5 years: $48,000,000. Net benefit: $12,360,000, a 35% return on prevention spend, before factoring in reduced claims handling costs and customer loyalty uplift.
How the model works
Nothing here is a black box. These are the questions your risk team will ask.
- How is the installation cost calculated?
- Properties × hoses per property × hose price, plus the tax rate you set. The per-year figure divides the total evenly across your rollout period. Real programs are usually weighted towards the first year.
- What does the currency selector change?
- Formatting, and the default indirect tax rate for that market: GST 10% for Australia, VAT 20% for the UK, and so on. No exchange rate is applied: enter every figure in the currency you select. The rate is a starting point and stays editable, because the correct rate depends on your jurisdiction and entity, not just the currency.
- What does "claims avoided" actually mean?
- Claims per year × average claim cost × analysis period, multiplied by the prevention rate. The prevention rate defaults to 100%; lower it to model a conservative case. This figure counts claim cost only. It excludes claims handling, temporary accommodation and loss-adjusting overhead, so it understates the true saving.
- Why does renewal revenue only cover two years?
- It is deliberately a floor rather than a projection. Renewing policies are held flat with no compounding and no attrition, across Year 1 and Year 2 only, so the comparison against install cost stays conservative.
- Where should the input numbers come from?
- Your own portfolio data. The defaults shown are illustrative only. Every figure is editable, and the exports record exactly which assumptions produced the result.
Talk to us about your portfolio
Send us your numbers and we will come back with a tailored proposal, referenced installation timelines, and the compliance documentation your risk team will ask for.