Under your policy there are rights and responsibilities which you and we have. You must read this policy in full for more details, but here are some you should be aware of:
Under all Plans cover is available for citizens or residents of Australia.
Cooling off period/money back guarantee
If you decide that you do not want this policy, you may cancel it within 14 days after the issue of your Certificate of Insurance and of the policy wording to you, and you will be given a full refund of the premium you paid, provided you have not started your journey and you do not want to make a claim or to exercise any other right under the policy.
After this period you can still cancel your policy but we will not refund any part of your premium if you do.
Confirmation of cover
To confirm any policy transactions (if the Certificate of Insurance does not have all the information you require) call us on 1800 985 846.
Your duty of disclosure
Before you enter into this policy with us, the Insurance Contracts Act 1984 (Cth) requires you to provide us with the information we need to enable us to decide whether and on what terms your proposal for insurance is acceptable and to calculate how much premium is required for your policy.
You will be asked various questions when you first apply for your policy. When you answer these questions, you must:
give us honest and complete answers;
tell us everything you know; and
tell us everything that a reasonable person in the circumstances could be expected to tell us.
If you vary, extend, reinstate or replace the policy your duty is to tell us before that time, every matter known to you which:
you know; or
a reasonable person in the circumstances could be expected to know,
is relevant to our decision whether to insure you and whether any special conditions need to apply to your policy.
You do not need to tell us about any matter that:
diminishes our risk;
is of common knowledge;
we know or should know as an insurer; or
we tell you we do not need to know.
Who does the duty apply to?
Everyone who is insured under the policy must comply with the relevant duty.
What happens if you or they breach the duty?
If you or they do not comply with the duty of disclosure, we may cancel the policy or reduce the amount we pay if you make a claim. If fraud is involved, we may treat the policy as if it never existed and pay nothing.
