Important Notices
It is important you understand that we will rely on the accuracy and completeness of the information you provide to us. Should you provide inaccurate or incomplete information, a claim may be refused or reduced once a policy is in force.
Please ensure all relevant questions are answered accurately and in full. Should you require additional space for any answers, please use the “Additional Information” section of this form.
We will be sharing this information with third parties such as insurers in order to assess your risks and meet your insurance needs.
Your Duty of Disclosure
Before you enter into an insurance contract with an insurer, you have a duty under the Insurance Contracts Act 1984 to disclose information to the insurer. The Duty of Disclosure applies until the insurer agrees to insure you or renew your insurance. The Duty of Disclosure also applies before you extend, vary or reinstate your insurance.
If you are applying for or renewing insurance in relation to your motor vehicle, home building and/or contents, residential strata, travel, personal accident or sickness and/or consumer credit products, you must answer the specific questions asked by the insurer truthfully and accurately. In answering those questions, you must tell the insurer all information that's known to you and that a reasonable person would be expected to provide in answer to the questions.
At renewal, the insurer may ask you to advise it of any changes to something you have previously disclosed, or may give you a copy of the information you previously disclosed and ask you to advise the insurer if there has been a change. If you do not tell the insurer about a change, you will be taken to have told the insurer there is no change.
If you are applying for or renewing any other insurance, you must tell the insurer all information that is known to you that a reasonable person could be expected to know or that is relevant to the insurer's decision to insure you and on what terms. You do not need to tell the insurer anything:
- that reduces the risk it insures you for;
- is common knowledge;
- that the insurer knows or should know; or
- which the insurer waived your duty to tell it about.
Non-Disclosure
If you fail to comply with your Duty of Disclosure, the insurer may cancel your contract or reduce the amount it will pay you if you make a claim, or both. If your failure to comply with the Duty of Disclosure is fraudulent, the insurer may refuse to pay a claim and treat the contract as if it never existed.
If you are in doubt about whether or not a particular matter should be disclosed, please contact your Gallagher broker.
People You Represent
You must make sure you explain the Duty of Disclosure to any person you represent when we arrange any insurance cover for you. Alternatively, you may ask any person you represent to contact us and we will explain their Duty of Disclosure to them directly.
Privacy
Gallagher is committed to protecting your personal information in accordance with the Australian Privacy Principles under the Privacy Act 1988 (Cth).
We may disclose personal information to:
- a state or federal authority;
- an assessor or investigator (for the purpose ofassessing or investigating your claims);
- a lawyer or recovery agent (for the purpose ofdefending an action by a third party against you or forthe purpose of recovering our costs);
- another insurer or a reinsurer (for the purposes ofseeking recovery from them or to assist them to assess insurance risks); and
- other service providers (only for a purpose inconnection with this insurance).
Personal information may also be obtained about you from the above people or organisations. We will give you the opportunity to correct this personal information or obtain access to it.
We will provide our dispute resolution procedures to you in respect of any complaint you may have regarding your personal information. You may request access to your personal information held by us. Our Privacy Statement is available on our website: ajg.com.au
Financial Services Guide
Our Financial Services Guide (FSG) contains important information to help you decide whether to use the services we offer. It includes details about who we are, the services we can provide, the remuneration we and our representatives receive and our complaints process.
A copy of our FSG can be obtained on our website: ajg.com.au
Terms of Business
Where we have provided a Terms of Business document to you please take the time to read it carefully as it sets out the basis on which we provide our services to you and outlines our limitation of liability to you.
About Gallagher
As a global insurance, risk management and benefits consulting brokerage, Gallagher operates in more than 30 countries with an alliance of network partners in 150 countries. We make a difference by challenging conventional thinking and delivering unswerving commitment to claims advocacy and service excellence.
In Australia we are the chosen partner to more than 100,000 businesses, from micro-SMEs through to multinational corporations and some of the world's most iconic brands.
Gallagher is committed to ethical business practice and has been recognised as one of the World's Most Ethical companies by the international Ethisphere Institute.
Visit ajg.com.au to find out more.
