Before taking out, renewing, varying or reinstating an insurance policy, you must disclose all information that may influence an insurer’s decision to provide cover and on what terms. This includes anything that may affect the risk. Failure to do so may result in a reduced claim payment, cancellation of your policy, or the policy being treated as if it never existed.
Retail Clients (as defined under the Corporations Act 2001) are entitled to additional protections. If you are a Retail Client and have not received a Statement of Advice, any advice provided is considered General Advice and does not take into account your personal financial situation or needs.
Where applicable, a Product Disclosure Statement (PDS) will be provided and should be reviewed before proceeding with any insurance purchase.
Any changes to your risk must be provided to us in writing and confirmed by the insurer. Claims must be reported promptly, especially for policies operating on a claims-made basis.
If a policy is cancelled, refunds are subject to insurer rules and may exclude broker fees and commissions. Where premium funding is used, interest charges and additional costs may apply on cancellation.
If you are dissatisfied with our service, please contact our office. We follow the Insurance Brokers Code of Practice and are supported by external dispute resolution services.
We collect, use and disclose personal information in accordance with the Privacy Act 1988. Our full Privacy Policy is available on our website.
Insurance contracts operate under the principle of utmost good faith. You must not limit your insurer’s rights of recovery against third parties without written approval.
This information is a summary only. Full terms are contained in your policy documentation.
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