Your duty not to make a misrepresentation.

You have a duty under the Insurance Contracts Act to take reasonable care not to make a misrepresentation to the insurer for this type of policy. Your duty applies before you enter into the policy, and also before you renew, extend, vary, or reinstate the policy. You will be required to answer questions and the insurer will use your answers to dc decide if they will insure you, and anyone else to be insured under the policy, and on what terms. To ensure you meet your duty, your answers to the questions must be truthful, accurate and complete. If you fail to meet your duty, the insurer may be able to cancel your contract, or reduce the amount it will pay if you make a claim, or both. If your failure is fraudulent, the insurer may be able to refuse to pay a claim and treat the contract as if it never existed.

Type of Cover

Listed / Defined Events Cover:

This type of policy will cover you for all of your major events such as storm and tempest, fire, impact damages, earthquake, burglary and many more as outlined in the attached PDS. The listed events are noted at the front of the PDS booklet. There are also your general exclusions which are noted at the back of the PDS Booklet. Listed / Defined Events is a limited cover.

Accidental Damage Cover:

This type of policy will cover you for all of your major events as mentioned above as well as any accidental damage caused. Basically this policy is a broader coverage policy which covers you for all most every type of event that can occur apart from your general exclusions which are also noted at the back of the policy. This is a superior coverage compared to a listed events / Defined Events policy.

Telling us your current insurers and premiums, will allow us to work with insurers to provide a better price for you.

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