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Are you a member of Nextra, NewsXpress, WANA or The Lucky Charm?

 
Has the property been affected by Flood in the last 10 years?

 

IMPORTANT INFORMATION

1. AVERAGE

The Material Damage and Consequential Loss sections of this Policy each contain a condition of “average” which means that if there is underinsurance at the time of a loss, a part of the loss will not be covered. In addition the Policy will never pay more than the Sum(s) Insured.

It is essential that all Sums Insured be carefully checked to ensure their adequacy at the time of completing the proposal and throughout the current of the cover.

2. 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 (Cth), to disclose to the insurer every matter that you know, or could reasonably be expected to know, is relevant to the insurer's decision whether to accept the risk of the 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 of common knowledge;
  • that your insurer knows or, in the ordinary course of its business, ought to know;
  • as to which compliance with your duty is waived by the insurer.

If you fail to comply with your duty of disclosure, the insurer may be entitled to reduce his liability under the contract in respect of claim or may cancel the contract. If you non-disclosure is fraudulent, the insurer may also have the option of avoiding the contract from its beginning.

Non Disclosure

If you fail to comply with your duty of disclosure, the insurer may be entitled to reduce their liability under the contract in respect of a claim or may cancel the contract. If your nondisclosure is fraudulent, the insurer may also have the option of avoiding the contract from its beginning.

Contractual Liability

Claims and/or Loss Experience

Please attach a copy of claims experience on previous Insurer's letterhead

DECLARATION & SIGNATURE


I/We hereby declare that the answers made in this online application are complete and true to the best of our knowledge and belief and we hereby agree that this application shall from the basis and be part of the Policy or Policies.

I declare that to the best of my knowledge and belief the answers given above or documents submitted represent the true position and that I have not withheld any material information from this proposal. I agree that this information above and any accompanying documents shall form or partly form the basis of the Contract Proposed.

 
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