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Request a Quote

Sorry, something about your business is not able to be covered directly online, it will need to personal attention to ensure cover it suitable for you Please fill in your details and we shall get back to you promptly.

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Duty of Disclosure

Before you enter Into a contract of general Insurance with an Insurer, you have a duty, under the Insurance Contracts Act 1984, to disclose to the Insurer every matter that you know, or could reasonably be expected to know, Is relevant to the insurer's decision whether to accept the risk of the 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 duly however does not require disclosure of matter:

  • that diminishes the risk to be undertaken by the insurer;
  • that is of common knowledge;
  • that your insurer knows or, in the ordinary course of his business, ought to know;
  • as to which compliance with your duly is waived by the insurer.

For more details, you can also view the policy wording document.

6.3 Cancellation

The Insured may cancel this Policy at any time by written request to the Insurer. Upon receipt of such request, the Insurer will retain a short period premium calculated on the Insurer′s short term rates for the time it has been on risk and the Insured will receive a refund of any balance of the premium actually paid. The Insurer may cancel this Policy in accordance with the Insurance Contracts Act 1984 by giving at least 30 days′ notice in writing to the Insured of the date from which such cancellation is to take effect.

The Insurers short term rate will be calculated as pro-rata of time remaining on policy period, but subject to a minimum premium equal to 6 months. Such premium excludes any policy administration fees. Associated government taxes and charges will also apply.

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  1. I/We have received or have been offered a copy of the Policy.
  2. I/We understand the required Duty of Disclosure.
  3. The answers supplied by us within this online placement system are accurate and truthful.
  4. I/We have not withheld any information likely to affect the acceptance of this insurance, or the terms the Insurer will offer.
  5. I/We have the consent of all persons covered by this Policy to provide personal and sensitive information on their behalf.
  6. I/We have received consent to the collection, storage, use and disclosure of personal and sensitive information of all persons covered by this application with their approval.
  7. I/We realise that failure to comply with the Duty of Disclosure may result in any claims not being met.
  8. If anything should happen during the Period of Insurance which alters any of the information provided herein, I/We shall immediately inform the Insurer in writing.
  9. I/We understand that the insurance available through insuresME is limited to that offered by the insurer/s it has a relationship with listed on the website.
  10. I/We are aware that insuresME is a trading name of GSA Insurance Brokers Pty Ltd (ABN 34 084 437 196; AFSL 238477). That insuresME acts as the agent of the Insurer in respect of the insurance products offered on this website and not as your agent. Any advice does not consider your individual needs. I/We have not relied on any advice provided by insuresME in making my decision to purchase.
  11. I/We confirm that we understand that Section 1 Professional Indemnity operates on a Claims Made and Notified basis. Please refer HERE for explanation.
  12. I/We confirm that we understand that Section 2 General and Products Liability Insurance operates on an Occurrence basis. Please refer HERE for explanation.
  13. I/We have read and understood the insuresME privacy policy and agree to these terms.
  14. Please note cancellation of policy is subject to cancellation conditions.

Feedback

Your feedback is important to us, we are determined to deliver the best service possible to all customers – If we can improve our service, product or platform we welcome your feedback. Click here to complete a feedback form and we will respond to all feedback we receive in a timely manner with how we will address it to improve our offering to you.

Dispute

Clients who are not fully satisfied with our service should contact our Customer Relations/Complaints officer, Katy Hunt (phone 02 8274 8109 email katyh@gsaib.com.au. GSA Insurance Brokers trading as insuresME and Lloyd’s adhere to the General Insurance Code of Practice subject to certain specific qualifications. You can obtain a copy of the code at www.codeofpractice.com.au. Should you require further information please do not hesitate to contact us.

Our unique insurance market has an unrivalled concentration of specialist underwriting expertise and every day, more than 50 leading insurance companies, over 200 registered Lloyd’s brokers and a global network of over 4,000 local coverholders operate in and bring business to the Lloyd’s market.

The business written at Lloyd’s is brought to specialist syndicates, who price and underwrite risk, via brokers and coverholders. Much of the capital available at Lloyd’s is provided on a subscription basis – where Lloyd's underwriters join together as syndicates and where syndicates join together to underwrite risks and programmes. This kind of collaboration, combined with the choice, flexibility and financial certainty of the market, makes Lloyd’s the world’s leading insurance platform.

But in an unpredictable global climate, Lloyd’s underwriters must also rely on their experience and industry knowledge to cast light into the darkness ahead. Behind the Lloyd’s market is the Lloyd’s Corporation, not itself an insurer but an independent organisation and regulator that acts to protect and maintain the market's reputation and provides services and original research, reports and analysis to the industry’s knowledge base.

Under one globally trusted name, the Lloyd’s market and Lloyd’s Corporation work together to protect your interests, promote economic growth and underwrite human progress.

To learn more about Lloyd's visit www.lloyds.com