Personal Insurance Quote
We understand that each person has their own spacific needs. We work with you to make sure you have the cover you need at the most competitive premiums available.
Request a quote in 3 easy steps.
1. Provide Some Basic Infofmation
2. Select the types of cover you want
3. Our Personal Insurance Advisor will contact you to discuss your individual needs
To recieve an indicative quote, please complete the below quote request form. Oonce we have the details, a qualified Advisor will contact you via your nominated contact method below, to provide indicative quotes. Insurance can be complex and the quote request form contains only basic information, so in some cases the Advisor will need to gather additional information to allow us to complete the quote process.
Duty of Disclosure
Before you enter into or become insured under a contract of insurance you have a duty under the Insurance Contracts Act 1984 to inform the insurer of every matter that you know, or could reasonably be expected to know, is relevant to the insurers decision whether to accept the risk of insurance and issue a policy, and if so, on what terms.
You have the same duty to disclose those matters to the insurer before you apply to extend, vary or reinstate a policy. Your duty however does not require disclosure of a matter that reduces the insurers risk, is common knowledge, that the insurer knows or ought to know in the ordinary course of business, or that the insurer tells you it does not need to know.
Your duty of disclosure applies even after this application is completed and until the insurer advises acceptance of your application and issues a Policy Schedule. If you fail to comply with your duty of disclosure or make a misrepresentation and the insurer would not have entered into all or part of the policy on the same terms had the insurer known about those matters, the insurer may avoid all or part of the policy within three years of entering into it.
If your non-disclosure or misrepresentation is fraudulent and the insuere would not have entered into the policy on the same terms had it known about those matters, the insurer may avoid all or part of the policy at any time. Alternatively, instead of avoiding the policy the insurer may decide:
(a) to reduce the benefits for all or part of the policy in accordance with a formula that takes into account the premium that would have been payable if you had disclosed all relevant matters to us, although any reduction to benefits payable in respect of the death of a Life Insured can only occur within three years of the commencement date; or
(b) for any benefits provided under the policy other than benefits payable in respect of the death of a Life Insured, to vary the policy in such a way as to place you in the position you would have been in if you had disclosed all relevant matters to the insurer.
General Advice Warning: Please be aware that any advice that may have been given or implied is general advice only. We have not taken into consideration your individual needs, objectives or financial requirements. Before deciding to purchase a financial product, you should consider the appropriate Product Disclosure Statement to ensure the product is suitable for your needs.