Getting Rid of Gas
With rising energy costs and increasing environmental consciousness, more Australian households are choosing to disconnect from gas and go fully
The Loyalty Tax
Australians lost $6.7 billion in 2025 by not switching providers. The loyalty tax on energy, mobile, broadband, and insurance costs households $1,700-$2,000+ per year.
Australians lost $6.7 billion in 2025 by staying loyal to their providers
That's the hidden cost of customer inertia. Across energy, broadband, mobile, and insurance, millions of Australian households pay a silent premium every year -- simply because they haven't switched.
The ACCC calls it the "loyalty penalty". Finder calls it "the loyalty tax". Whatever the name, the numbers are staggering:
Electricity: $2.9 billion
The ACCC found that over 80% of Australian households are on plans priced above the best available offer. Households on plans older than 12 months pay an average of $238 more per year than those on newer offers. The total loyalty tax in the energy sector alone was $2.9 billion in 2025.
Bill Hero addresses this directly -- automatically comparing every bill and notifying you when savings exceed your personal threshold. Average first-switch savings: $380 per year. Money-back guarantee.
Mobile phones: $2.8 billion
The average Australian spends $54/month on mobile, but plans with the same data allowance start at $42/month. That $12/month gap, multiplied across millions of users, adds up to $2.8 billion in overpayment. Telstra, Optus, and Vodafone have all raised prices every year since 2022 -- often adding data nobody asked for.
NBN broadband: $986 million
Consumers on lower speed tiers (NBN 12, 25) pay the biggest loyalty penalty -- up to $445/year more than the cheapest equivalent plan. With NBN's 2025 speed upgrades, millions of households are now on outdated plans they haven't reviewed in years.
Home and contents insurance: $819/year average saving by switching
Canstar research found households that don't shop around miss out on an average of $819 per year. In Queensland, the saving jumps to $1,072. The ABC has documented cases of premiums doubling year-on-year with no claims and no explanation -- solved instantly by switching providers.
Car insurance: $300-$600/year
Comparison sites consistently find savings of $300-$600 for drivers who switch. One Melbourne resident told the ABC she saved $600 in 30 minutes -- and upgraded her coverage in the process.
Gas: $150-$200/year
While a smaller market, gas switching savings follow the same pattern. Households that haven't reviewed their gas plan in over a year are almost certainly overpaying.
The total loyalty tax across all household bills? Well over $10 billion annually. Per household, that's $1,700-$2,000+ in foregone savings -- year after year.
The good news: most of this is fixable in under an hour. Comparison sites exist for every category. But they're one-time tools -- you have to remember to check. Bill Hero automates the process for energy, Australia's biggest household bill category, so you never have to think about it again.
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1
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2
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3
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4
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