Shippers Interest Insurance Product Disclosure Statement
|
|
- Stuart Wheeler
- 5 years ago
- Views:
Transcription
1 About Your Policy This ( the PDS ), the Shippers Interest Insurance Policy (available by sending an to au.claims@dhl.com) and any endorsements, other documentation (such as a consignment note) that may be issued from time to time, set out the contract between the Insurer/We/Us/Our and the Insured/You/Your. They should be read as one document and any word or expression to which a specific meaning has been given shall have the same meaning wherever it may appear unless otherwise specifically stated You agree to pay Us the Premium and comply with the responsibilities described in this Policy. Throughout the policy wording and the PDS the Insured can also be referred to as "You" or "Your" and the Insurer as "We", "Us" or "Our". The PDS, the Policy and any endorsements that are issued, describe the terms and conditions of Our contract with You. You should consider all documents together as one, and read it carefully to determine Your rights and duties, and what is and is not covered. If You think that any details contained in these documents are not correct or if You need to change anything, You should tell Us. About AIG Australia This insurance is issued by: AIG Australia Limited ( AIG ) ABN AFSL Level Bourke Street Docklands Victoria 3008 A member of American International Group, Inc AIG issues/insures this product pursuant to an Australian Financial Services Licence ("AFSL") granted to Us by the Australian Securities and Investments Commission. AIG prepared this Product Disclosure Statement. All Retail Clients are required to be provided with a PDS provided by the product issuer/insurer. DHL Express (Australia) Pty Ltd ABN has been appointed by AIG as a distributor to deal in the Insurance on behalf of AIG under Class Order CO 05/1070-General Insurance Distributors. Retail Clients A "Retail Client" means an individual or small business. Small Business means: 1. A manufacturing entity with 100 employees or fewer 2. A non-manufacturing entity employing 20 individuals or fewer. Current Version Prepared 30 January 2015 DHL-Shippers Interest Insurance 1 of 6
2 WHAT IS THE PRODUCT DISCLOSURE STATEMENT? The PDS contains information about key benefits and significant features of this Shippers Interest Insurance Cover. The purpose of the PDS is to assist You in Your purchasing decision and ability to compare this product with other insurance. This document also contains important information about Your rights and obligations including the Duty of Disclosure and the Cooling Off Period for Retail Clients. The terms and conditions of Your insurance are contained in the Shippers Interest Insurance Policy wording which can be accessed by sending an to It is important that You read and understand the Policy wording. Based on the information provided by You when You applied for this insurance and subject to You having paid the required premium, we agree to insure You during the period whilst Your property is transported by the courier DHL Express (Australia) Pty Ltd ABN ( the Courier ). The insurance is distributed by the Courier in terms of a distribution agreement it has entered into with AIG Australia Limited IMPORTANT INFORMATION Conditions, Exclusions and other Terms Depending on the circumstances, You may have to comply with certain conditions, there may also be limitations on the amount we will pay You or sometimes there may be no cover under Your Policy. Below is a summary of the important provisions of the Policy. However, please read the Policy carefully for full details about lodging a claim, the benefits, terms the conditions, exclusions and definitions that apply to this Policy. Summary of Cover Subject to the terms of the policy, the Shippers Interest Insurance Policy is designed to provide All Risks cover, in the event of loss or damage to Your shipment whilst it is being transported by the Courier. "All risks" generally means that any risk is covered that the insurance policy does not specifically omit or omit otherwise by reference. There are some circumstances in which cover will not be provided such as but not limited to: ordinary leakage, loss in weight or volume, or wear and tear of the shipment; loss, damage or expense caused by insufficiency or unsuitability of packing or preparation of the shipment; consequential losses, loss of profit or interest, any indirect losses are excluded loss, damage or expense caused by inherent vice; nature of the shipment; loss, damage or expense attributable to the wilful misconduct by the insured or its agents; loss, damage or expense caused by delay; or where the shipment is transported to a country or to persons which are subject to any sanctions laws binding on AIG. The amount We will pay out is based on and limited to the actual value of goods declared by You. Evidence may be requested to substantiate the declared value in the event of a claim. There is no excess or deductible applicable. DHL-Shippers Interest Insurance 2 of 6
3 The PDS and the Policy also contain important information about Your rights and obligations including information about Privacy and the General Insurance Code of Practice. Costs and Fees The premium charge for Shippers Interest Insurance is 2.5 % of the actual value of goods declared (subject to a minimum charge of $25.00). The premium charge covers claims costs and the administration costs of the Courier. Any premium amount remaining after meeting such costs will be retained by the Courier as remuneration for distributing the Shippers Interest Insurance You may also be required to pay Government charges which can include stamp duty, goods and services tax and fire service levy, where applicable Duty of Disclosure When You apply for insurance We rely upon the information You provide to decide whether to insure You, and anyone else to be covered, and on what terms. If You do not answer all questions honestly We may reduce or refuse a claim, cancel or avoid the Policy in respect of You. For further information in respect of Your Duty of Disclosure, please see the Duty of Disclosure section of the Policy wording. Change of Risk or Circumstances You should advise Us as soon as practicable of any change to Your circumstances or the Shipment such as but not limited to changes in quality or quantity of the shipped goods, the location of the goods, the destination of the goods or the mode of transport. Cooling off Period You may return the Policy to Us within 14 days of purchasing provided that no claim has arisen or the Courier accepts or collects the goods for shipment whichever occurs earlier. If You are entitled to return the policy within the 14 day period we will cancel the cover and refund in full any premium You have paid. Subrogation The Policy contains provisions which enable us to assume any rights of recovery You or any other Insured person may have against a third party in respect of a covered loss. How to Make a Claim You, or someone else on Your behalf, must contact us as soon as reasonably practicable after any event happens which is likely to lead to a claim. You can do this by calling , or by ing us at australia.marineclm@aig.com. Alternatively, You can download a claim form over the internet at under the Claims tab and thereafter send the claim form to the above address. Code of Practice AIG is a signatory to the General Insurance Code of Practice. This aims to raise the standards of practice and service in the Insurance Industry, improve the way the claims and complaints are handled and help people better understand how general insurance works. Information brochures on the Code are available on request. DHL-Shippers Interest Insurance 3 of 6
4 Privacy AIG is bound by the Australian Privacy Principles. The Australian Privacy Principles apply to any personal information collected by Us. This notice sets out how AIG ("We, Us, Our") collects uses and discloses personal information about: You, if an individual; and other individuals You provide information about. Further information about our Privacy Policy is available at or by contacting Us at or on How We collect Your personal information AIG usually collects personal information from You or Your agents. AIG may also collect personal information from: Our agents and service providers; other insurers; people who are involved in a claim or assist Us in investigating or processing claims, including third parties claiming under Your policy, witnesses and medical practitioners; third parties who may be arranging insurance cover for a group that You are a part of; providers of marketing lists and industry databases; and publicly available sources. Why We collect Your personal information AIG collects information necessary to: underwrite and administer Your insurance cover; maintain and improve customer service; and advise You of Our and other products and services that may interest You. To whom We disclose Your personal information In the course of underwriting and administering Your policy We may disclose Your information to: entities to which AIG is related, reinsurers, contractors or third party providers providing services related to the administration of Your policy; banks and financial institutions for policy payments; assessors, third party administrators, emergency providers, retailers, medical providers, travel carriers, in the event of a claim; other entities to enable them to offer their products or services to You; and government, law enforcement, dispute resolution, statutory or regulatory bodies, or as required by law. AIG is likely to disclose information to some of these entities located overseas, including in the following countries: United States of America, United Kingdom, Singapore, Malaysia, the Philippines, India, Hong Kong, New Zealand as well as any country in which You have a claim and such other countries as may be notified in Our Privacy Policy from time to time. You may request not to receive direct marketing communications from AIG. Access to Your personal information Our Privacy Policy contains information about how You may access and seek correction of personal information We hold about You. In summary, You may gain access to Your personal information by submitting a written request to AIG. In some circumstances permitted under the Privacy Act 1988 (Cth), AIG may not permit access to Your personal information. Circumstances where access may be denied include where it would have an unreasonable impact on the privacy of other individuals, or where it would be unlawful. DHL-Shippers Interest Insurance 4 of 6
5 Complaints Shippers Interest Insurance Our Privacy Policy also contains information about how You may complain about a breach of the applicable privacy principles and how We will deal with such a complaint. Consent Acknowledgment Your application for the insurance may include a consent that You, and any other individuals You provide information about, consent to the collection, use and disclosure of personal information as set out in this notice. Dispute Resolution What should You do if You have a complaint? AIG are committed to handling any complaints about our products or services efficiently and fairly. If You have a complaint: 1. Contact us on our dedicated complaints line and/or in writing to: Head of Compliance AIG Level 12, 717 Bourke Street Docklands VIC If Your complaint is not satisfactorily resolved You may request that the matter be reviewed by our Internal Dispute Resolution Committee ("IDRC") by writing to the person who signed the response letter. Alternatively, You can contact us on our dedicated complaints line and request the matter be referred to the IDRC. We will respond to You with the Committee s findings within 15 working days. You can also write directly to the Chairperson of the IDRC: The Chairperson IDRC AIG Level 12, 717 Bourke Street Docklands VIC If You are not satisfied with the finding of the Committee, You may be able to take Your matter to an independent dispute resolution body, Financial Ombudsman Service ("FOS"). This external dispute resolution body can make decisions with which AIG are obliged to comply. Contact details are: Financial Ombudsman Service Phone: (local call fee applies) info@fos.org.au Internet: GPO Box 3, Melbourne, VIC 3001 DHL-Shippers Interest Insurance 5 of 6
6 Goods and Services Tax (GST) The amount of premium payable for this Policy also includes an amount on account of GST. The sums insured under this Policy exclude GST. When We make a payment under this Policy for the acquisition of goods, services or other supplies we will reduce the payment by the amount of any input tax credit that You are or would have been entitled to if You made a relevant acquisition. Where You are registered for GST You must tell us Your correct input tax credit entitlement. Any fines or penalties arising from Your incorrect advice are payable by You. DHL-Shippers Interest Insurance 6 of 6
Product Disclosure Statement
About Your Policy This ( the PDS ), the Shippers Interest Insurance Policy (available by sending an email to au.claims@dhl.com) and any endorsements, other documentation (such as a consignment note) that
More informationProposal Form for Financial Institutions. Gold Complete
for Financial Institutions Important tices Claims-made and tified Insurance contains some sections on a claims-made and notified basis. This means that only covers claims first made against you during
More informationSports Injury Claim Form
Sports Underwriting Australia Sports Underwriting Australia Claims Department PO E: austclaims@aig.com Box 2717, Taren Point. NSW, 2229 Ph: 1800 812 363 Tel: 1300 363 413 Fax: +61 2 9524 9003 Post: AIG
More informationgap cover insurance Combined Product Disclosure Statement and Policy Wording and Financial Services Guide
gap cover insurance Combined Product Disclosure Statement and Policy Wording and Financial Services Guide CONTENTS 1. IMPORTANT INFORMATION 1 2. Things You Should Do When Purchasing mi-bike Gap Cover Insurance
More informationGAP Insurance PRODUCT DISCLOSURE STATEMENT AND POLICY
GAP Insurance PRODUCT DISCLOSURE STATEMENT AND POLICY Introduction It is important that before You purchase this insurance You take the time to read and understand this Product Disclosure Statement (PDS)
More informationProposal Form for Commercial Institutions. Gold Complete
for Commercial Institutions Important tices Claims-made and tified Insurance contains some sections on a claims-made and notified basis. This means that only covers claims first made against you during
More informationPOLICY WORDING POLICY WORDING BUILDING INDEMNITY INSURANCE - SOUTH AUSTRALIA
POLICY WORDING POLICY WORDING BUILDING INDEMNITY INSURANCE - SOUTH AUSTRALIA GLA RBUA BII SA 1115 Effective Date 01 November 2015 Welcome to the financial security provided by RBUA Building Indemnity Insurance
More informationPersonal Watercraft Insurance. Product Disclosure Statement INSURANCE
Personal Watercraft Insurance Product Disclosure Statement INSURANCE TABLE OF CONTENTS PAGE About AIG and Nautilus Marine...1 Introduction...1 Summary of Your Personal Watercraft Insurance...2 Comprehensive
More informationCyberEdge. Proposal Form
An Important tice Claims-Made and tified Insurance This policy is issued by AIG Australia Limited (AIG), ABN 93 004 727 753 AFSL 381686 on a claims-made and notified basis. This means that the policy only
More informationCONTENTS YAMAHA GAP COVER INSURANCE PRODUCT DISCLOSURE STATEMENT ABOUT THE INSURER ABOUT NM INSURANCE AND ITS SERVICES ABOUT YAMAHA AND THEIR SERVICE
YAMAHA GAP COVER INSURANCE PRODUCT DISCLOSURE STATEMENT DATE PREPARED 15 JULY 2015 CONTENTS 1. Introduction...2 2. Things You Should Do When Purchasing Yamaha Gap Cover Insurance...3 3. Making A Claim...5
More informationProduct Disclosure Statement. GAP Insurance
Product Disclosure Statement GAP Insurance Introduction Contents It is important that before You purchase the insurance You take the time to read and understand this Product Disclosure Statement (PDS)
More informationFinancial Services Guide
Magic Millions Insurance Brokers Pty Ltd ABN 12 107 459 290 / AFS Licence No. 305 391 PO Box 1329, NORTH SYDNEY NSW 2059 Tel (02) 8913 1650 Fax (02) 8569 2065 Website: www.magicmillionsinsurance.com Email:
More informationsp rts Sports Coaching & Clinics Insurance Application Form Underwriting Australia Sports Leisure Licensed Clubs
sp rts Underwriting Australia Insurance Application Form Sports Leisure Licensed Clubs Please use this application for occupations relating to the including: Sports Clinics Sports Coaches School Sports
More informationŠKODA VALUE PROTECT COVER
ŠKODA VALUE PROTECT COVER Product Disclosure Statement and Policy Document Important Information ŠKODA insurance products are underwritten by Allianz Australia Insurance Limited ABN 15 000 122 850, AFSL
More informationResidual Protection Cover Product Disclosure Statement and Policy Wording
Residual Protection Cover Product Disclosure Statement and Policy Wording Product Disclosure Statement Prepared on 15 September 2017 Insurer: Virginia Surety Company, Inc. (ARBN 080 339 957) Australian
More informationMUSICAL EQUIPMENT SOLUTIONS FINANCIAL SERVICES GUIDE
JULY 2017 MUSICAL EQUIPMENT SOLUTIONS FINANCIAL SERVICES GUIDE The financial services that are offered in this Financial Services Guide (FSG) are provided by: Marsh Advantage Insurance Pty Ltd ABN 31 081
More informationVersion 6 14 May Aon Hewitt Financial Advice Limited ABN AFSL & ACL No
Version 6 14 May 2018 Aon Hewitt Limited ABN 13 091 225 642 AFSL & ACL No 239183 Table of contents Introduction 3 We act for you 3 Who is responsible for the advice you are given? 3 What types of advice
More informationFINANCIAL SERVICES GUIDE. Version 17 25/09/2017 FSG V
FINANCIAL SERVICES GUIDE FSG V17 250917 FINANCIAL SERVICES GUIDE Version 17 25/09/2017 AFSL No. 244369 This guide is designed to assist you in deciding whether to use the services offered by us. It contains
More informationFinancial Services Guide
Austbrokers Hiller Marine Pty Ltd Level 14, 44 Market Street Sydney NSW 2000 PO Box Q1402 QVB NSW 1230 P 02 9570 8355 F 02 9570 7369 www.abhillermarine.com Financial Services Guide The Financial Services
More informationProposal Form. BusinessGuard Multimedia Professional Liability Insurance
BusinessGuard Multimedia Professional Liability Insurance BusinessGuard TM Multimedia Professional Liability Insurance An Important Notice Claims-Made and Notified Insurance This policy is issued by AIG
More informationFinancial Services Guide
Financial Services Guide This guide is designed to assist you in deciding whether to use the services offered by us. It contains important information about: the services we can offer you how we and our
More informationFinancial Services Guide. Consumer Credit Related Insurance Services
Financial Services Guide Consumer Credit Related Insurance Services 1 January 2018 Financial services guide This Financial Services Guide (FSG) is designed to assist you in deciding whether to use financial
More informationPRODUCT DISCLOSURE STATEMENT
PRODUCT DISCLOSURE STATEMENT It is important that before You purchase this insurance You take the time to read and understand this Combined Product Disclosure Statement (PDS) and Financial Services Guide
More informationLoan Protection Insurance Policy
Loan Protection Insurance Policy Product Disclosure Statement CONTENTS 1. IMPORTANT INFORMATION...2 2. ABOUT THE INSURERS...2 3. ABOUT NM INSURANCE AND ITS SERVICES...2 4. ABOUT MI-BIKE AND OUR SERVICE...2
More informationFinancial Services Guide
Financial Services Guide This guide is designed to assist you in deciding whether to use the services offered by us. It contains important information about: the services we can offer you how we and our
More informationThe following pages contain important documents that you should read before you arrange your motor vehicle insurance with Smartsalary:
Smartsalary Pty Ltd DOCUMENT CONTENTS The following pages contain important documents that you should read before you arrange your motor vehicle insurance with Smartsalary: Financial Services Guide Important
More informationMotor Finance Gap Protection Policy. Product Disclosure Statement and Policy Wording Version 3.0 Effective Date: 11 December 2015
Policy Product Disclosure Statement and Policy Wording Version 3.0 Effective Date: 11 December 2015 Chubb Insurance Company of Australia Limited ABN 69 003 710 647 AFSL 239778 www.chubbinsurance.com.au
More informationNautilus Marine Boat Insurance. Product Disclosure Statement INSURANCE
Nautilus Marine Boat Insurance Product Disclosure Statement INSURANCE TABLE OF CONTENTS PAGE About AIG and Nautilus Marine... 1 Introduction... 1 Summary of Your Personal Watercraft Insurance... 2 Comprehensive
More informationFinancial Services Guide
Financial Services Guide A guide to our relationship with you 1 Business Descriptor Financial Services Guide (FSG) About this Financial Services Guide (FSG) The purpose of this FSG is to help you to make
More informationEMERALD WATERWAYS RIVER CRUISE COVER TERMS AND CONDITIONS UNITED KINGDOM RESIDENT
Master Policy Number: 09SCENIC01 EMERALD WATERWAYS RIVER CRUISE COVER TERMS AND CONDITIONS UNITED KINGDOM RESIDENT This booklet contains important information about Your Scenic Tours River Cruise Cover
More informationEach individual Authorised Representatives will have authority to provide general and personal advice on some or all of the following:
This FSG provides key information about Ausure, the Authorised Representative/s and the services which can be offered. Ausure is responsible for the content and distribution of this FSG which is designed
More informationSmart Insurance Solutions
Smart Insurance Solutions Financial Services Guide Coverforce Insurance Broking Victoria Pty Limited v1.4 01 March 2017 Financial Services Guide This Financial Services Guide (FSG) sets out the products
More informationAssetinsure. Owner-Builder Warranty Insurance. - Western Australia
Assetinsure Owner-Builder Warranty Insurance - Western Australia Effective date: 01/10/2015 Table of Contents IMPORTANT INFORMATION... 3 INTRODUCTION... 3 ABOUT ASSETINSURE... 3 ABOUT AOBIS... 3 DUTY OF
More informationFinancial Services Guide
Financial Services Guide This FSG provides key information about Ausure, the Authorised Representative/s and the services which can be offered. Ausure is responsible for the content and distribution of
More informationMOTOR FINANCE GAP PROTECTION POLICY
MOTOR FINANCE GAP PROTECTION POLICY Product Disclosure Statement and Policy Wording Version No. 1.0 Issued 02 February 2010 Please read this Product Disclosure Statement and Policy Wording Carefully. It
More informationBERKLEY INSURANCE COMPANY PRIVACY POLICY
BERKLEY INSURANCE COMPANY PRIVACY POLICY Our Privacy Policy This Privacy Policy outlines how Berkley Insurance Company trading as Berkley Insurance Australia ABN 53 126 559 706 AFSL 463129 collects, uses
More informationLIFE PRODUCT DISCLOSURE STATEMENT AND INSURANCE POLICY
LIFE PRODUCT DISCLOSURE STATEMENT AND INSURANCE POLICY CGU LIFE PRODUCT DISCLOSURE STATEMENT AND POLICY LIFE This Product Disclosure Statement (PDS) has been designed to help you get the most out of your
More informationBNY Mellon Fund Reference Guide
BNY Mellon Fund Reference Guide Issue Date 1 December 2014 Investment Manager BNY Mellon Investment Management Australia Ltd ABN 56 102 482 815, AFSL 227865 Responsible Entity Equity Trustees Limited ABN
More informationOur Wedding Personal Liability Insurance. Product Disclosure Statement and Policy Wording
Our Wedding Personal Liability Insurance Product Disclosure Statement and Policy Wording Table of Contents Page Product Disclosure Statement (PDS) 2 How this Insurance is arranged 2 Key Benefits of Your
More informationMOTOR VEHICLE INSURANCE
MOTOR VEHICLE INSURANCE CONTENTS INTRODUCTION 3 ABOUT THIS POLICY 5 SIGNIFICANT FEATURES, RISKS AND BENEFITS 10 PARTS POLICY 11/29 IF YOU HAVE COMPREHENSIVE COVER 16 OPTIONAL COVERS ONLY AVAILABLE WHEN
More informationDomestic Building Insurance - Victoria Policy Wording
Domestic Building Insurance - Victoria Policy Wording CBW DBI VIC 1213 Effective Date 01 December 2013 Welcome to the financial security provided by Calliden Domestic Building Insurance - Victoria Policy
More informationPurchase Price Protection Insurance
Product Disclosure Statement and insurance policy Insurer: Preparation date: 20 October 2010 Swann Insurance (Aust) Pty Ltd ABN 80 000 886 680 AFS Licence No. 238292 Table of contents This PDS is important
More informationClassic Life Insurance
1 St Andrew s Classic Life Insurance Product Disclosure Statement including policy terms Issued by: St Andrew s Life Insurance Pty Ltd ABN 98 105 176 243 5 July 2017 The Insurer Classic Life Insurance
More informationOANDA Australia Pty Ltd
OANDA Australia Pty Ltd Australian Financial Services Licence No. 412981 ACN 152 088 349 FINANCIAL SERVICES GUIDE (FSG) PURPOSE AND CONTENT OF THIS FSG The financial services referred to in this Financial
More informationFINANCIAL SERVICES GUIDE
FINANCIAL SERVICES GUIDE DISPUTE RESOLUTION There is a formal dispute resolution system available to you for any concerns or complaints you may have regarding the financial services provided by your Strata
More informationInsurance Brokers Addendum
Insurance Brokers Addendum IMPORTANT INFORMATION: PLEASE READ THE FOLLOWING INFORMATION BEFORE COMPLETING THIS ADDENDUM Obtaining a Quotation To minimise delays in obtaining a quotation please provide
More informationFINANCIAL SERVICES GUIDE
FINANCIAL SERVICES GUIDE The financial services referred to in this financial services guide (FSG) are offered by: Insurance Aid General Brokers Partnership Pty Ltd ABN 37 097 567 710 AFS Licence: 239049
More informationFinancial Services Guide Air Asia. A guide to our relationship with you
Financial Services Guide Air Asia A guide to our relationship with you 1 Financial Services Guide Air Asia About this Financial Services Guide (FSG) This is a combined FSG issued by Chubb Insurance Australia
More informationPROPOSAL FORM FOR CARGO INSURANCE
PROPOSAL FORM FOR CARGO INSURANCE IMPORTANT NOTICE TO THE PROPOSER ON COMPLETION OF THIS PROPOSAL FORM 1. DISCLOSURE Before You enter into a contract of general insurance with Us You have a duty under
More informationMARINE INSURANCE. Combined Product Disclosure Statement and Policy Wording and Financial Services Guide
MARINE INSURANCE Combined Product Disclosure Statement and Policy Wording and Financial Services Guide CONTENTS PRODUCT DISCLOSURE STATEMENT SECTION 1 INTRODUCTION 2 SUMMARY OF YOUR YAMAHA MARINE INSURANCE
More informationThe cover applies to goods carried under a single Waybill.
SHIPMENT INSURANCE 1 Customer key facts SHIPMENT INSURANCE DHL Express provides insurance services that offer our customers financial protection against all risks of physical loss or damage from any external
More informationNovated Lease Protection Insurance. Policy and Product Disclosure Statement
Novated Lease Protection Insurance Policy and Product Disclosure Statement Preparation date: 1 st January 2017 Effective date: 21 st January 2017 Contents Introduction... 3 Your Product Disclosure Statement...
More informationFinancial Services Guide
Financial Services Guide The Financial Services covered by this Financial Services Guide are provided by: Millennium Underwriting Agencies Pty Ltd 277 Magill Road TRINITY GARDENS SA 5068 Our ABN number
More informationFinancial Services Guide (FSG) Version July 2018
Financial Services Guide (FSG) Version July 2018 The financial services referred to in this financial services guide (FSG) are offered by: Action Entertainment Insurance Pty Ltd Corporate Representative
More informationName of Traveller Mr Mrs Miss Ms. Full Policy No. or Policy Name Period of Journey to
The provision of this form by AIG is not an admission of liability or acceptance by AIG of your claim. All questions in this section must be answered Name of Traveller Mr Mrs Miss Ms Occupation: Date of
More informationANZ CREDIT CARDS INSURANCE FEATURES
ANZ CREDIT CARDS INSURANCE FEATURES EFFECTIVE DATE: 11 APRIL 2018 INDEX 90-Day Purchase Security Insurance 4 Extended Warranty 16 2 This booklet provides the policy wording and terms and conditions for
More informationWestpac Privacy Policy.
Westpac Privacy Policy. Our privacy commitment to you. Effective date 27 September 2017. Contents. Privacy Policy....3 About this policy....3 What is personal information?...3 What kinds of personal information
More informationthe services we offer you: how we and others are paid; any potential conflict of interest we may have; our internal and external dispute resolution
This Financial Services Guide (FSG) sets out the products and services that we offer you. It is designed to assist you in making an informed decision about whether to use any of those products or services
More informationNovated Lease Protection
Product Disclosure Statement and insurance policy (including Distributor Notice) Insurer: Preparation date: 17 June 2011 Swann Insurance (Aust) Pty Ltd ABN 80 000 886 680 AFS Licence No. 238292 Table of
More informationREI Super Financial Services Guide (FSG)
July 2015 Issued by REI Superannuation Fund Pty Ltd ABN 46 003 491 487, RSE Licence L0000314, AFSL No 240 569 as the Trustee of REI Super ABN 76 641 658 449, RSE Registration Number R1000412, MySuper unique
More informationFINANCIAL SERVICES GUIDE
FINANCIAL SERVICES GUIDE THE FINANCIAL SERVICES REFERRED TO IN THIS FINANCIAL SERVICES GUIDE (FSG) ARE BEING OFFERED BY: Proactive Insurance Management (Proactive) Address 211 Balcatta Road, Balcatta,
More informationMotor Equity Insurance. Policy Document. (Product Disclosure Statement)
Motor Equity Insurance Policy Document (Product Disclosure Statement) Preparation Date: 01/03/2013. Table of contents About this Insurance page Introduction 3 Our Product Disclosure Statement 3 Understanding
More informationBWA Financial Group Pty Ltd Privacy Policy
BWA Financial Group Pty Ltd Privacy Policy When you trust us with your personal information, you expect us to protect it and keep it safe. We are bound by the Privacy Act 1988 (Cth) ( Privacy Act ) and
More informationFinancial SERVICES GUIDE
Financial SERVICES GUIDE mobisuper Zib Financial www.mobisuper.com.au 1300 222 622 mobisuper Pty Limited (ABN 64 613 581 981) is a corporate authorised representative (No. 001246226) of ZIB Financial Pty
More informationIssue date: ₁ January ₂₀₁₇. AMP Life Insurance. Product Disclosure Statement and policy document
Issue date: ₁ January ₂₀₁₇ AMP Life Insurance Product Disclosure Statement and policy document AMP Life Insurance Supplementary product disclosure statement This supplementary product disclosure statement
More informationFINANCE GAP INSURANCE. Policy and Product Disclosure Statement
FINANCE GAP INSURANCE Policy and Product Disclosure Statement Preparation date: 1 January 2014 2 CONTENTS INTRODUCTION 4 Be prepared with PowerTorque Insurance 4 Product Disclosure Statement 5 PRODUCT
More informationSingle Project Proposal Form IMPORTANT NOTES
Single Project Proposal Form IMPORTANT NOTES PRIVACY STATEMENT This notice sets out how MECON and AIG collect, use and disclose personal information about: you, if an individual; and other individuals
More informationmotorcycle tyre & rim insurance Combined Product Disclosure Statement and Policy Wording and Financial Services Guide
motorcycle tyre & rim insurance Combined Product Disclosure Statement and Policy Wording and Financial Services Guide CONTENTS 1. IMPORTANT INFORMATION 1 2. Introduction 2 3. Things You Should Do When
More informationFINANCIAL SERVICES GUIDE
FINANCIAL SERVICES GUIDE The Financial Services covered by this Financial Services Guide are provided by: Our Authorised Representative Jonathan Bruhn For Samlot Pty Ltd ACN: 107 288 513 Authorised Representative
More informationInsurance Life Insurance
Insurance Life Insurance Product Disclosure Statement and Policy The information provided in this PDS is general information only and does not take into account your individual objectives, financial situations
More informationFinancial Services Guide
Financial Services Guide Preparation Date: 15 June 2017 Contents About us... 3 How we provide our services... 3 How you may provide instructions to us... 4 Government charges... 4 Financial Claims Scheme
More informationNRMA INSURANCE PRIVACY POLICY
PRIVACY POLICY 1 NRMA INSURANCE PRIVACY POLICY In this Privacy Policy the terms we, our, and us refers to Insurance Australia Limited ABN 11 000 016 722 (trading as NRMA Insurance) and its related entity
More informationACCIDENTAL DAMAGE PROTECTION INSURANCE
ACCIDENTAL DAMAGE PROTECTION INSURANCE Combined Product Disclosure Statement and Financial Services Guide Product Disclosure Statement and Financial Services Guide prepared on 19 December 2016 Issuer:
More informationFINANCIAL SERVICES GUIDE 01 NOVEMBER 2018
FINANCIAL SERVICES GUIDE 01 NOVEMBER 2018 The financial services referred to in this Financial Services Guide (FSG) are offered by Lion Underwriting Pty Ltd - ABN 33 604 592 467 (as AFS Licence Holder
More informationSUPPLEMENTARY PRODUCT DISCLOSURE STATEMENT
SUPPLEMENTARY PRODUCT DISCLOSURE STATEMENT This Supplementary Product Disclosure Statement (SPDS) is dated 24 June 2017 and supplements the ANZ Mortgage Protection Product Disclosure Statement and Policy
More informationFinancial Services Guide
Financial Services Guide Issued 1st January 2017 This Financial Services Guide is issued by: American Express Australia Limited (ABN 92 108 952 085) Australian Financial Services Licence No. 291313. Table
More informationMortgage & Finance Brokers Addendum
Mortgage & Finance Brokers Addendum IMPORTANT INFORMATION: PLEASE READ THE FOLLOWING INFORMATION BEFORE COMPLETING THIS ADDENDUM Obtaining a Quotation To minimise delays in obtaining a quotation please
More informationFINANCIAL SERVICES GUIDE 23 rd April 2018 Version 3
FINANCIAL SERVICES GUIDE 23 rd April 2018 Version 3 The financial services referred to in this Financial Services Guide (FSG) are offered by: ALS Insurance Solutions Pty Ltd ABN 46 346 021 237 ASIC Authorised
More informationFinancial Services Guide
Financial Services Guide Version 8 Date: 1 st July 2014 The documents you will receive from us About our Licensee Financial Services Guide This Financial Services Guide is designed to clarify who we are
More informationFinancial Services Guide
Financial Services Guide A guide to our relationship with you 1 Business Descriptor Financial Services Guide (FSG) About this Financial Services Guide (FSG) The purpose of this FSG is to help you to make
More informationBicycle Insurance. Product Disclosure Statement. Table of contents
Page 1 of 9 Product Disclosure Statement Promoter: Insurance Australia Limited ABN 11 000 016 722 AFS Licence No. 227681 trading as NRMA Insurance (NRMA Insurance) Preparation date: 01 August 2017 Table
More informationFinancial Services Guide
Financial Services Guide Version 8 Date: 1 July 2014 The documents you will receive from us About our Licensee Financial Services Guide This Financial Services Guide is designed to clarify who we are and
More informationPROPERTY CLAIM FORM IMPORTANT NOTICES DEFINED TERMS GENERAL INSURANCE CODE OF PRACTICE YOUR DUTY OF DISCLOSURE GST PRIVACY
PROPERTY CLAIM FORM IMPORTANT NOTICES Calibre Commercial Insurance Pty Ltd (ABN 86 603 039 023, AFSL 474540) ( Calibre Insurance ) acts under a binder as agent for The Hollard Insurance Company Pty Ltd
More informationSports Group Personal Accident Proposal Form
Sports Group Personal Accident Proposal Form Motor Liability Accident & Sickness Call 1300 650 670 or email brokers@ Sports Group Personal Accident Proposal Form 2 IMPORTANT NOTICES Please read these notices
More informationImportant things you need to know. Device Protect Combined Product Disclosure Statement, Policy Terms and Conditions and Financial Services Guide
Important things you need to know Device Protect Combined Product Disclosure Statement, Policy Terms and Conditions and Financial Services Guide 1 Combined product disclosure statement, policy terms and
More informationTerms and Conditions for Simple Business Overdrafts
Terms and Conditions for Simple Business Overdrafts Dated 19 April 2017 Terms and conditions These products are issued by the Commonwealth Bank of Australia ABN 48 123 123 124 AFSL 234945 Overdraft terms
More informationLow Rate Mastercard Complimentary Insurance Terms and Conditions Effective 23 October 2018
Low Rate Mastercard Complimentary Insurance Terms and Conditions Effective 23 October 2018 Contents Important Information... 2 Termination or Variation of Cover... 2 Code of Practice... 3 Complaints and
More informationANZ FARM MANAGEMENT DEPOSIT ACCOUNTS TERMS AND CONDITIONS
ANZ FARM MANAGEMENT DEPOSIT ACCOUNTS TERMS AND CONDITIONS AGRIBUSINESS 10.2017 Introduction References to ANZ 2 3 In these Terms and Conditions, ANZ means Australia and New Zealand Banking Group Limited
More informationA guide to our financial services
A guide to our financial services Financial Services Guide Dated 27 January 2013 BT Funds Management Limited ABN 63 002 916 458 Australian Financial Services Licence No. 233724 RSE Licence No. L0001090
More informationLIFE INSURANCE. Product Disclosure Statement
LIFE INSURANCE Product Disclosure Statement This product and Product Disclosure Statement are issued by Suncorp Life & Superannuation Limited ABN 87 073 979 530 AFSL 229880 under the brand, AAMI. Contents
More informationFinancial Services Guide
Financial Services Guide Version 8 Date: 1 July 2014 Scott Kitchin CTA FTI DFP Director and Senior Financial Adviser Authorised Representative The documents you will receive from us About our Licensee
More informationEQUAL ACCESS FUNDING PTY LTD PRIVACY POLICY
1. INTRODUCTION EQUAL ACCESS FUNDING PTY LTD PRIVACY POLICY This Policy applies to Equal Access Funding Pty Ltd ABN 23 156 554 255 (referred to as EAF, we, our, us ) and covers all of its operations and
More informationRetail and Business Banking Financial Services Guide, Credit Guide and Privacy Statement.
Retail and Business Banking Financial Services Guide, Credit Guide and Privacy Statement. Preparation Date: 31 July 2015. Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence
More informationFINANCIAL SERVICES GUIDE
FINANCIAL SERVICES GUIDE Oracle Advisory Group Pty Ltd ABN: 71 617 787 176 Address: Level 2, 240-244 Pacific Highway, Charlestown NSW 2290 Phone: (02) 4088 6444 Email: info@oracleag.com www.oracleag.com
More informationRetail and Business Banking Financial Services Guide, Credit Guide and Privacy Statement. 9 July Preparation Date:
Retail and Business Banking Financial Services Guide, Credit Guide and Privacy Statement. Preparation Date: 9 July 2018 BankSA A Division of Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian
More informationDistributor Notice, Product Disclosure Statement and Insurance Policy. Distributor Notice. Table of contents. What other information will you receive?
Distributor Notice, Product Disclosure Statement and Insurance Policy Product issuer and insurer for Sickness, Accident, Hospitalisation & Involuntary unemployment: Preparation date: 9 August 2010 Swann
More informationFOREIGN CURRENCY OPTIONS PRODUCT DISCLOSURE STATEMENT 11.17
FOREIGN CURRENCY OPTIONS PRODUCT DISCLOSURE STATEMENT 11.17 IMPORTANT INFORMATION ISSUER Australia and New Zealand Banking Group Limited ABN 11 005 357 522, Australian Financial Services Licence 234 527,
More informationSuncorp Funeral Insurance. Product Disclosure Statement and Policy Document
Suncorp Funeral Insurance Product Disclosure Statement and Policy Document Prepared on: 19 September 2014 Effective date: 20 October 2014 Contents 1.0 Important information 5 2.0 Who can apply? 6 3.0 Your
More informationCombined Financial Services Guide
The industry super fund for rural and regional Australia Combined Financial Services Guide Issue date: 1 July 2017 Issued by Austsafe Pty Ltd and Link Advice Pty Limited This Combined Financial Services
More informationG A U D A L R IN A E G NTE O E E F S H ACI E L R ITE
CASH COVER INDEMNITY HEADLINE GUARANTEE GOES FACILITY HERE ADDITIONAL DESCRIPTION DATE TERMS AND CONDITIONS 09.2017 CONTENTS 1. Indemnity Guarantee Facility 2 1.1 Application of these Terms and Conditions.
More information