Forms

Here you can access Forms, Declarations, Links and other useful information.

• Privacy Statement

  We are committed to protecting your privacy in accordance with the Privacy Act.  We collect personal information from you for the purpose of assisting you with your insurance needs.  We may disclose personal information we hold about you to others who assist us or are involved in the provision of our services or as required by law.

  For example, in arranging and managing your insurance needs we may provide information to insurers, re-insurers, and other insurance intermediaries or insurance reference bureaus.

  In the event of making a claim, we assist you by collecting information about your claim.  We provide this information to your insurer (or anyone your insurer has appointed to assist it to consider your claim, e.g. loss adjusters, medical advisers, legal advisors etc) to enable it to consider your claim.

  You may choose not to provide this personal information, however, we may not be able to process your requests and you may be in breach of your duty of disclosure.

  If you wish to update or access the information we hold about you, please contact us.

   

• Your Duty of Disclosure

  Before you enter into a Contract of general insurance with an insurer, you have a duty under the Insurance Contracts Act 1984 to disclose to the Insurer every matter that you know, or could reasonably expect to know, is relevant to the Insurer’s decision whether to accept the risk of Insurance and if so, on what terms. You have the same duty to disclose those Matters to the Insurer before you renew, extend, vary or reinstate a Contract of general insurance. Your duty however does not require disclosure of matter.

  • that diminishes the risk to be undertaken by the Insurer

  • that is common knowledge

  • that your Insurer knows or, in the ordinary course of business, ought to know

  • as to which the compliance with your duty is waived by the Insurer.

• Non-Disclosure

  If you fail to comply with your duty of disclosure, the Insurer may be entitled to reduce the liability under the Contract in respect of a claim or may cancel the Contract.

  If your non-disclosure is fraudulent, the Insurer may also have the option of avoiding the Contract from its beginning.