The contract of insurance is arranged by Enterprise Underwriting Solutions Pty Ltd (ABN 97 156 186 453, AFSL 464467) (‘EUS’) acting under a binder as agent for the insurer, certain underwriters at Lloyd’s. EUS does not act as Your agent.
Some words used in the Proposal Form (‘Proposal’) have special meaning as defined in the Policy wording and such other documents which make up the Policy which contain definitions.
Before You enter into an insurance contract, You have a duty to tell Us anything that You know, or could reasonably be expected to know, may affect Our decision to insure You and on what terms. You have this duty until we agree to insure You.
You have the same duty before You renew, extend, vary or reinstate an insurance contract. You do not need to tell Us anything that:
If You do not tell Us anything You are required to, We may cancel Your contract or reduce the amount We will pay You if You make a claim, or both. If Your failure to tell Us is fraudulent, We may refuse to pay a claim and treat the contract as if it never existed.
In this Policy Statement the use of ‘We’, ‘Us’ and ‘Our’ means the insurer and EUS unless specified otherwise. We are committed to protecting Your privacy.
We need to collect, use and disclose Your personal information (which may include sensitive information) in order to consider Your application for insurance and to provide the cover You have chosen, administer the insurance and assess any claim. You can choose not to provide Us with some of the details or all of Your personal information, but this may affect Our ability to provide the cover, administer the insurance or asses a claim.
The primary purpose for Our collection and use of Your personal information is to enable Us to provide insurance services to You. Personal information will be obtained from individuals directly where possible and practical to do so. Sometimes it may be collected indirectly (e.g. from Your insurance intermediary or co-insureds) . If You provide personal information for another person You represent to Us that:
We may disclose the personal information We collect to third parties who assist Us in providing the above services, such as related entities, distributors, agents, insurers, reinsurers and service providers. Some of these parties may be located outside of Australia. In all instances where personal information may be disclosed to third parties who may be located overseas, We will take responsible measures to ensure that the overseas recipient holds and uses Your personal information in accordance with with the consent provided by You and in accordance with Our obligations under the Privacy Act 1988 (Cth).
Post: PO Box 84 north Sydney NSW 2059 |Phone: +61 2 9034 5555 |Email: firstname.lastname@example.org
Please answer all questions. Please tick appropriate boxes and provide details as requested. If there is not enough space provided to answer a question, please complete Your answer on the Proposal email you will receive after submitting the form.
Cover for this insurance will not commence until the completed proposal and the premium are received and accepted by EUS. EUS reserves the right to decline any Proposal and to verify any information provided.
Some sections of the Policy provide cover on a claims made and notified basis. This means that this Policy only covers claims first made against You during the period this Policy is in force and notified to the Insurer as soon as practicable in writing while the Policy is in force. This Policy may not provide cover for any claims made against You if at anytime prior to the commencement of this Policy You become aware of facts which might give rise to those claims being made against You. Section 40(3) of the Insurance Contracts Act 1984 (Cth) provides that where You gave notice in writing too the Insurer of facts that might give rise to a claim against You as soon as was reasonably practicable after You became aware of those facts while this policy is in force, the Insurer cannot refuse to pay a claim which arises out of those facts, when made, because it was made after the expiry of the Policy.