Before buying insurance, you have a duty under the Insurance Contracts Act 1984 (Cth) to take reasonable care not to make a misrepresentation to us.
In the following sections, we'll ask you questions that are relevant to our decision about whether to insure you and if so, on what terms. When you answer the questions you must not give a false or misleading account of matters. Your response should tell us everything that you know about the question.
Consequences of failure to take reasonable care not to make a misrepresentation
If you breach your duty, we may cancel your insurance or reduce the amount we pay if you make a claim, or both.
If your failure to take reasonable care not to make a misrepresentation is fraudulent, we may refuse to pay a claim and treat your policy as if it never existed.
The Product Disclosure Statement contains more information about this duty including circumstances relevant to it.
We are committed to protecting your privacy.
We collect the personal information we need to assess insurance applications, provide quotations, issue insurance policies and assess claims made under them. We may not be able to do these things if you don't provide the information we need.
We provide your personal information to the insurer that underwrites your insurance and our related companies. We provide your name and policy number to any intermediary that arranged your policy or referred you to us. We may also provide relevant personal information to our trusted suppliers including financiers, loss adjusters, assessors, repairers, professional advisers, document storage centres, mailing houses and IT software / service providers, some of whom may be based or controlled in the United States.
If you make a claim, we may also need to provide relevant personal information to authorities (such as the police, licensing and registration bodies and the Australian Financial Security Authority) and to other insurers in the event of recovery or litigated action.
We may use your contact details to send you information and marketing communications that we believe will be of interest to you. You can opt out from receiving these at any time.
If you provide us with personal information about another person, you must have their consent to do so and give them the information in this statement.