YOUR DUTY OF DISCLOSURE

You must tell us all information you know (or could reasonably be expected to know) which would influence the judgement of a prudent underwriter
whether or not to accept your application, and if it is accepted, on what terms and at what cost.

Examples of information you may need to disclose include

• Anything that increases the risk of an insurance claim 

• Any criminal convictions in the last 7 years, or where imprisoned 

• If another insurer has cancelled or refused to renew insurance, or has imposed special terms

• Any loss or damage to a Home/Contents in the last 5 years to know in the ordinary course of our business

Examples of information you do not need to disclose include:

• Anything that reduces the risk of an insurance claim

• Anything we say you do not need to tell us about

• Anything that is common knowledge

•Anything you have already told us, or that we should be expected

• Any loss or damage to a Home/Contents in the last 5 years to know in the ordinary course of our business

These examples are a guide only. If you are not sure whether you need to disclose a particular piece of information, please ask.

Personal Details

 

 

Dwelling Risk Details

(The home including ALL levels, attached or detached garage, conservatory, developed basement and decking)

Tenanted Property

The cover on a tenanted property has a higher standard excess and is subject to specific conditions. Please refer to the policy wording for full details.

(Includes Landlord's Furnishings $20,000-Indemnity value; Loss of Rents $40,000; and Malicious Damage by tenant $30,000; and Methamphetamine contamination). Please note that special terms and conditions apply.to edit this text...

General Property Question

Contents Risk Details

Who will be covered: This insurance will cover Contents owned by the person making this application, and their husband or wife, or person with whom they are living in the nature of a marriage and their family who live at the address above.

Specified Item Limits

The following items are covered to set limits. If you wish to apply for cover above these limits please note them in the relevant section below.

$5,000     Per item (including any pair or set) of unspecified jewellery or watch
$3,000     For any bicycle
$3,000     Per item of photographic, digital, and video camera equipment
$3,000     For any surfboard, surf ski, kite surfer, paddle board, windsurfer,                         dinghy, kayak or canoe
$1,000     Per coin, card, or stamp up to a maximum of $3,000 in total for any                     collection of coins, cards, or stamps
$1,000     In total for unset precious or semi-precious gemstones or minerals,                     gold or silver bullion or ingots, or precious metals
Fine Art:  The policy automatically covers fine art/paintings valued at up to total                of 10% of the general contents sum insured as declared above

Personal Declaration Questionnaire

Have you or any member of your family, de facto partner, trustees and/or beneficial owners, or any other person or entity to be covered by the insurance proposed:

This form collects personal information about you which would influence the judgement of a prudent underwriter when considering your request for insurance. It will be held by, or on behalf of, The Insurance Group Limited, and the insurers with whom your insurance is placed. You may request access to, and correction of, this information subject to the provisions of the Privacy Act 1993.

 

I hereby declare that the above supplied information and statements of this questionnaire being submitted for consideration are true, that I have not suppressed or misstated any material facts. I agree that this application shall be the basis for which coverage is being considered and this information will form part of the policy. I am aware that I will be liable for damages incurred due to any material or negligent misrepresentation(s) and that such material misrepresentation(s) may render the policy void ab initio.