Information on this internet site has been provided by Albany District Insurance Brokers and third parties. Users of this internet site must make their own assessment of the information provided on it and take steps to verify the information if they intend to rely on it.
Albany District Insurance Brokers does not, to the extent permitted by law, warrant or represent:
Albany District Insurance Brokers disclaims, to the extent permitted by law, all liability for any loss or damage (whether direct, indirect, special or consequential) arising from use of, or reliance on, any information on this internet site. Where the law prohibits exclusion of all liability, Albany District Insurance Brokers limits its liability, to the extent permitted by law, to the resupply of the relevant information.
Section 20B of the Insurance Contracts Act 1984 (Cth) states that a consumer must take reasonable care not to make a misrepresentation to an insurer when entering into a contract of insurance, including renewal, extension, variation or reinstatement of a Consumer Insurance Contract. Before you do any of these things, you may be required to answer questions and the insurer will use the answers you provide in deciding whether to insure you, and anyone else to be insured under the policy, and on what terms. To ensure you meet your duty, your answers to the questions must be truthful, accurate and complete.
Under the legislation, a consumer insurance contract is one for personal, domestic or household purposes (which includes sickness & accident insurance and travel insurance).
Before you enter into any other Contract of General Insurance with an Insurer, that is NOT a Consumer Insurance Contract, you have a duty under the Insurance Contracts Act 1984 to disclose to the Insurer every matter you know, or could reasonably expect to know, is relevant to the Insurer's decision whether to accept the risk of Insurance and if so, on what terms. You have the same duty to disclose those matters to the Insurer before you renew, extend, vary or reinstate a Contract of General Insurance. Your duty however does not require disclosure of matters that diminish the risk to be undertaken by the Insurer, that is of common knowledge or that your Insurer knows of or, in the ordinary course of it's business ought to know or as to which the compliance with your duty is waived by the Insurer.
If you fail to comply with your duty of disclosure, the Insurer may be entitled to reduce the liability under the Contract in respect of a claim or may cancel the Contract. If your non-disclosure is fraudulent, the Insurer may also have the option of avoiding the Contract from its beginning.
Clients who are not fully satisfied with our services should contact our Complaints Officer, Luke Cameron, who will then work with you to try & resolve your complaint or dispute to your satisfaction.
If a complaint or issue cannot be resolved between us to your satisfaction within 20 business days, you can lodge a complaint with the Australian Financial Complaints Authority (AFCA), who provide fair and independent financial services complaint resolution that is free to consumers. AFCA can be contacted at GPO Box 3, Melbourne VIC 3001, or free-call 1800 931 678, or [email protected]. More information can be found on their website: www.afca.org.au.
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The information contained on this site is protected in Australia by copyright under the Copyright Act 1968 (Cth) and in other countries through international treaties.
You may access this site and download an electronic copy of the information or print out a hard copy of the information provided:
This internet site may contain advertisements and hyperlinks to other internet sites. Hyperlinks are provided for your convenience. The existence of an advertisement or a hyperlink on this internet site is not an endorsement by Albany District Insurance Brokers of:
Access and use of sites accessible by hyperlink and use of goods and/or services provided by advertisers or sites accessible by hyperlink is solely at your own risk.
This internet site is governed by the laws of the State of Western Australia. Any disputes arising about this internet site or the information contained in it shall be resolved in accordance with the laws of the State of Western Australia.
This site can be accessed from outside Australia. Albany District Insurance Brokers does not warrant or represent that the information contained in this site complies with the laws of any country outside Australia.
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