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Your Duty of Disclosure:

Your Duty of Disclosure

Before you enter into an insurance contract, you have a duty of disclosure under the Insurance Contracts Act 1984.

If we ask you questions that are relevant to our decision to insure you and on what terms, you must tell us anything that you know and that a reasonable person in the circumstances would include in answering the questions.

You have this duty until we agree to insure you.


If You Do Not Tell Us Something

If you do not tell us anything you are required to tell us, we may cancel your contract or reduce the amount we will pay you if you make a claim, or both. If your failure to tell us is fraudulent, we may refuse to pay a claim and treat the contract as if it never existed.


Your Privacy

We are committed to handling your personal information in compliance with the privacy laws. You can choose not to give us some or all of the personal information we ask for, however, if you do not this may affect our ability to provide you with cover.

How we collect and manage your information, how to access and change your information, please review the Privacy Policy on our website.


General Advice

For full details of the conditions, terms, limits and exclusions and to decide whether this cover is suitable for you please read the Product Disclosure Statement and Financial Services Guide on our website.

By clicking on the “Accept” button, you agree that you’ve read and understood the Duty of Disclosure, Your Privacy Statement and the General Advice Warning.