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Terms and Conditions


Your Duty of Disclosure.
We rely on the information you provide us with, to decide whether to insure you and the terms on which we will insure you and you have a Duty of Disclosure to us.

To comply with your Duty of Disclosure before you enter into the policy or vary, renew, extend, reinstate or replace it, you must tell us everything that you know, and which a reasonable person in the circumstances, could be expected to know, is relevant to our decision whether to insure you and, if so, on what terms.

You do not have to tell us anything that is common knowledge that we should know through our business, that reduces the risk of a claim or that we tell you we do not need to know.

If you fail to comply we may be entitled to reduce or deny any claim you make and/or cancel the policy. If you fraudulently keep information from us or deliberately make false statements we may avoid your contract and treat your insurance as if it never existed.

Privacy Act Requirements.
Your Privacy is important to us. You need to read the Privacy Statement and Privacy Policy which explain, amongst other things, how we collect, handle, store and disclose your personal and sensitive information in order for us to provide and inform you about our insurance and insurance related services. To do this we may disclose your personal information to our service providers and others in accordance with the Privacy Notice. By agreeing to the terms and condition below you confirm you have read and agree to the Privacy notice and Privacy Policy terms.

Product Disclosure Statement.
Before you begin completing this online application you need to download and carefully read our Product Disclosure Statement to fully understand the policy.  

Click here to download

By agreeing to the terms and conditions, you confirm that you have read our Product Disclosure Statement, are able to download and keep a copy of it and agree to access it this way.



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