Insurance

Why use our services?

1. We have access to over 100 insurers in the Australian insurance market, some are specialists that do not deal directly with the public.
2. Insurance suppliers offer between them hundreds of different products, we can advise which products may best suit your needs.
3. We have a genuine understanding of the market, we understand how the insurance market operates, when the market is entering a soft phase or prices are starting to harden and can advise you accordingly.
4. We can help you understand your policy, some of the terms and conditions and how they operate.
5. We can assist you with Risk Management Programmes to reduce your exposure and present yourself to the insurer in the best possible light.
6. If you make a claim, we are here to help to ensure you receive exactly what your entitled to in a fair and reasonable manner.
7. We hold an Australian Financial Services (AFS) licence.

Does it cost to use our service?

We do generally charge you a fee for our service. This fee is made clear to you and is always shown on your invoice and set out in our Financial Services Guide. However, due to our knowledge of the insurance market we can generally negotiate more competitive terms on your behalf.

Remember, not all insurance policies are the same. You might be able to get a cheaper policy elsewhere, but it may not provide the cover you need if something goes wrong.

What is “Duty of Disclosure”?

When you apply for an insurance policy, renew or extend your policy, you have a duty to tell the insurer everything about you and your situation that is relevant or could reasonably be expected to be relevant to the insurer’s decision to insure you.
You don’t need to disclose something you don’t know, that reduces the insurer’s risk, that is common knowledge, that the insurer knows or ought to know, or something that’s not relevant or the insurer has told you that you don’t need to disclose.

Renewing my insurance policy?

Insurance policies generally run for 12 months.
As your insurance broker, we must give you notice that your policy is going to expire at least 14 days prior to it’s expiry. Under some agreement and term’s, we have with insurers, some policies may automatically renew on your behalf, this information will generally be listed in your Product Disclosure Statement.
You should always check your policy to ensure the information is accurate and is in accordance with your instructions. If there have been any changes to your situation during the year, you must notify the insurer at this point.
For example, if your policy is a motor vehicle insurance policy and you have lost your licence or had 3 speeding fines during the year, you are obliged to let the insurer know.