<?xml version="1.0" encoding="UTF-8"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">

  <!-- Core pages -->
  <url>
    <loc>https://www.fullyinsured.com.au/</loc>
    <lastmod>2026-08-11</lastmod>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
  </url>
  <url>
    <loc>https://www.fullyinsured.com.au/insurance</loc>
    <lastmod>2026-08-11</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://www.fullyinsured.com.au/about</loc>
    <lastmod>2026-08-11</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://www.fullyinsured.com.au/contact</loc>
    <lastmod>2026-08-11</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://www.fullyinsured.com.au/important-notices</loc>
    <lastmod>2026-08-11</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>

  <!-- Priority specialist landing pages (associated-domain targets) -->
  <url>
    <loc>https://www.fullyinsured.com.au/carer-insurance</loc>
    <lastmod>2026-08-11</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.95</priority>
  </url>
  <url>
    <loc>https://www.fullyinsured.com.au/mining-contractor-insurance</loc>
    <lastmod>2026-08-11</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.95</priority>
  </url>
  <url>
    <loc>https://www.fullyinsured.com.au/property-owner-insurance</loc>
    <lastmod>2026-08-11</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://www.fullyinsured.com.au/owner-builder-insurance</loc>
    <lastmod>2026-08-11</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://www.fullyinsured.com.au/aviation-insurance</loc>
    <lastmod>2026-08-11</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://www.fullyinsured.com.au/accident-illness-insurance</loc>
    <lastmod>2026-08-11</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.75</priority>
  </url>
  <url>
    <loc>https://www.fullyinsured.com.au/public-liability-quote-request</loc>
    <lastmod>2026-08-11</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Motor Trade — dedicated page + segment anchors -->
  <url>
    <loc>https://www.fullyinsured.com.au/insurance/motor-trade</loc>
    <lastmod>2026-08-11</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.95</priority>
  </url>
  <url>
    <loc>https://www.fullyinsured.com.au/insurance/motor-trade#panel-beaters</loc>
    <lastmod>2026-08-11</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>
  <url>
    <loc>https://www.fullyinsured.com.au/insurance/motor-trade#mechanical-workshops</loc>
    <lastmod>2026-08-11</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>
  <url>
    <loc>https://www.fullyinsured.com.au/insurance/motor-trade#car-dealers</loc>
    <lastmod>2026-08-11</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>
  <url>
    <loc>https://www.fullyinsured.com.au/insurance/motor-trade#tow-truck-operators</loc>
    <lastmod>2026-08-11</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>
  <url>
    <loc>https://www.fullyinsured.com.au/insurance/motor-trade#tyre-shops</loc>
    <lastmod>2026-08-11</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.80</priority>
  </url>
  <url>
    <loc>https://www.fullyinsured.com.au/insurance/motor-trade#auto-electricians</loc>
    <lastmod>2026-08-11</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.80</priority>
  </url>
  <url>
    <loc>https://www.fullyinsured.com.au/insurance/motor-trade#mobile-tradesmen</loc>
    <lastmod>2026-08-11</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.80</priority>
  </url>

  <!-- Commercial property -->
  <url>
    <loc>https://www.fullyinsured.com.au/insurance/commercial-investment-property</loc>
    <lastmod>2026-08-11</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>

  <!-- Owner Builder -->
  <url>
    <loc>https://www.fullyinsured.com.au/insurance/owner-builder-insurance</loc>
    <lastmod>2026-08-11</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>

  <!-- Product detail pages -->
  <url>
    <loc>https://www.fullyinsured.com.au/insurance/business-insurance</loc>
    <lastmod>2026-08-11</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.75</priority>
  </url>
  <url>
    <loc>https://www.fullyinsured.com.au/insurance/starting-a-new-business</loc>
    <lastmod>2026-08-11</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.65</priority>
  </url>
  <url>
    <loc>https://www.fullyinsured.com.au/insurance/workers-compensation</loc>
    <lastmod>2026-08-11</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.75</priority>
  </url>
  <url>
    <loc>https://www.fullyinsured.com.au/insurance/home-contents</loc>
    <lastmod>2026-08-11</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.70</priority>
  </url>
  <url>
    <loc>https://www.fullyinsured.com.au/insurance/landlord-insurance</loc>
    <lastmod>2026-08-11</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.75</priority>
  </url>
  <url>
    <loc>https://www.fullyinsured.com.au/insurance/public-liability</loc>
    <lastmod>2026-08-11</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.80</priority>
  </url>
  <url>
    <loc>https://www.fullyinsured.com.au/insurance/professional-indemnity</loc>
    <lastmod>2026-08-11</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.75</priority>
  </url>
  <url>
    <loc>https://www.fullyinsured.com.au/insurance/travel-insurance</loc>
    <lastmod>2026-08-11</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.70</priority>
  </url>
  <url>
    <loc>https://www.fullyinsured.com.au/insurance/airbnb-short-stay</loc>
    <lastmod>2026-08-11</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.65</priority>
  </url>
  <url>
    <loc>https://www.fullyinsured.com.au/insurance/vacant-land</loc>
    <lastmod>2026-08-11</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.65</priority>
  </url>
  <url>
    <loc>https://www.fullyinsured.com.au/insurance/carer-insurance</loc>
    <lastmod>2026-08-11</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.90</priority>
  </url>
  <url>
    <loc>https://www.fullyinsured.com.au/insurance/mining-contractor</loc>
    <lastmod>2026-08-11</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.90</priority>
  </url>

</urlset>
