About Us

Complete Cover

Complete Cover helps individuals, families and small business owners protect against the disastrous consequences of accidents, sickness and death.

Complete Cover has access to hundreds of products offered by 12 insurance companies and uses advanced technology to provide great service in a simple, quick and easy manner

So be it taking out mortgage protection on the purchase of new home, changing jobs and reviewing your income protection or a desire to protect the hard work put into building the value of a business, Complete Cover will be ready to help.

Complete Cover has offices in Brisbane and the Gold Coast. Complete Cover provides Life Insurance advice to small and medium businesses, executives and professionals.

Complete Cover is a 100% Australian owned company with no financial affiliations with financial institutions, fund managers or insurers.

Complete Cover is the trading name of Insurance Directions Pty Ltd (Corporate Authorised Representative (298874) of Fitzpatricks Dealer Group Pty Ltd (ABN 33 093 667 595) (AFSL 247429).

Stephen Sandor – Principal

Stephen Sandor is the principal of Complete Cover.  Stephen entered the financial services industry in 1985 and over a period of 14 years filled senior manager roles with major international financial services companies including Citigroup, American International Group and Tyndall Australia.

In these roles, Stephen was responsible for training and advising Financial Planners and Life Insurance Advisers on advanced superannuation and life insurance strategies. Stephen continues to contribute in this area as a presenter at financial planning, life insurance, legal and accounting seminars and conferences.

Stephen established his own business (now Complete Cover) in 1999, taking his broad knowledge, skills and experience to create a unique 'fee for service' and traditional life insurance consulting business.

Specialising in Business Insurance and Succession Planning, Stephen is recognised as an expert in this area and provides strategic advice and project management expertise to the small and medium business market through financial planners, accountants and solicitors.  Worthy of note is that many of Stephen’s business clients include financial planners, accountants and solicitors.

Married to Debbie and together with their 4 children, Stephen lives on the Tweed Coast in Northern NSW and services his clients in Brisbane, Gold Coast, Sydney and Melbourne.