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RESOLVING DISPUTES
While most insurance claims are accepted, there are processes in place if your insurer disputes your claim.. Subscribers to the General Insurance Code of Practice accepted 95.7 per cent of claims* in 2017-2018, according to the Code Governance Committee.General insurers pay out about $152.3 million in claims on average each working day**. However, sometimes, the insurance company and the CANCELLING YOUR POLICY Cancelling your policy. You may (if your policy permits) cancel your policy before its expiry date. If you cancel your policy, any refund of premium will usually be sent to you within 15 business days. If you change your mind about your insurance purchase, you have a minimum 14-day cooling-off period for most general insurance products. LANDLORD AND RENTERS INSURANCE Landlord insurance. Landlord insurance protects the investment that a landlord has made in a rental property. Cover can be purchased for the building, contents or rental income, or any combination of these. Cover for loss of rent is not always included in a landlord policy and may be added as required. Many landlords are investors who have WORKERS COMPENSATION Workers' compensation is a compulsory statutory form of insurance for all employers in every state and territory in Australia and provides protection to workers if they suffer a work-related injury or disease. Any business that employs or hires workers on a full-time, part-time or casual basis, under an oral or written contract of service or apprenticeship, must have workers compensationSTRATA INSURANCE
Strata insurance generally covers the building and common property and contents as defined on the title for the property. This might include common areas, garden equipment, wiring, lifts, swimming pools, car parks, walls, windows, gardens, ceilings and floors. These policies often have to cover common property that the average home policy doesnot.
WHAT IS AN EXCESS?
What is an excess? Download Print Text Size. Many policies include an excess. This is the amount you have to pay if you decide to make a claim on your policy. It’s a way of you accepting a small portion of the risk yourself. The amount of the excess is specified in your policy. How does it work?FLOOD INSURANCE
Flood insurance is often built into a range of insurance policies, including home and contents, strata title, motor vehicle and business insurance policies. The risk of a flood occurring is reflected in the cost of the premium – property owners with a high risk of flood willpay a
UNDERSTAND INSURANCE Understand Insurance is an initiative of the Insurance Council of Australia, the peak body for the general insurance industry. Understand Insurance is here to help you make better decisions about your general insurance. The information we provide is impartial and not affiliated with any one insurance company. Claims Explained. REGULATIONS AND OBLIGATIONS An insurance policy is a legal contract between an insurance company and a customer, and places strict obligations on both parties.. The general insurance industry in Australia is governed by a number of laws (most importantly the Insurance Act 1973, the Insurance Contracts Act 1984 and the Corporations Act 2001).. The two key regulators are the Australian Prudential Regulation Authority and UNDERSTANDING CLAIMS Understanding claims. If you are fortunate, you may never have to make a claim against your insurance. However, when things do go wrong and you are involved in an unexpected accident, disaster or other loss that is covered by your insurance policy, you can make a claim with your insurer. The policy you buy is a promise of assistance whenthings
RESOLVING DISPUTES
While most insurance claims are accepted, there are processes in place if your insurer disputes your claim.. Subscribers to the General Insurance Code of Practice accepted 95.7 per cent of claims* in 2017-2018, according to the Code Governance Committee.General insurers pay out about $152.3 million in claims on average each working day**. However, sometimes, the insurance company and the CANCELLING YOUR POLICY Cancelling your policy. You may (if your policy permits) cancel your policy before its expiry date. If you cancel your policy, any refund of premium will usually be sent to you within 15 business days. If you change your mind about your insurance purchase, you have a minimum 14-day cooling-off period for most general insurance products. LANDLORD AND RENTERS INSURANCE Landlord insurance. Landlord insurance protects the investment that a landlord has made in a rental property. Cover can be purchased for the building, contents or rental income, or any combination of these. Cover for loss of rent is not always included in a landlord policy and may be added as required. Many landlords are investors who have WORKERS COMPENSATION Workers' compensation is a compulsory statutory form of insurance for all employers in every state and territory in Australia and provides protection to workers if they suffer a work-related injury or disease. Any business that employs or hires workers on a full-time, part-time or casual basis, under an oral or written contract of service or apprenticeship, must have workers compensationSTRATA INSURANCE
Strata insurance generally covers the building and common property and contents as defined on the title for the property. This might include common areas, garden equipment, wiring, lifts, swimming pools, car parks, walls, windows, gardens, ceilings and floors. These policies often have to cover common property that the average home policy doesnot.
WHAT IS AN EXCESS?
What is an excess? Download Print Text Size. Many policies include an excess. This is the amount you have to pay if you decide to make a claim on your policy. It’s a way of you accepting a small portion of the risk yourself. The amount of the excess is specified in your policy. How does it work?FLOOD INSURANCE
Flood insurance is often built into a range of insurance policies, including home and contents, strata title, motor vehicle and business insurance policies. The risk of a flood occurring is reflected in the cost of the premium – property owners with a high risk of flood willpay a
UNDERSTANDING CLAIMS Understanding claims. If you are fortunate, you may never have to make a claim against your insurance. However, when things do go wrong and you are involved in an unexpected accident, disaster or other loss that is covered by your insurance policy, you can make a claim with your insurer. The policy you buy is a promise of assistance whenthings
INSURANCE EXPLAINED
General insurance helps us protect ourselves and the things we value, such as our homes, our cars and our valuables, from the financial impact of risks, big and small – from fire, flood, storm and earthquake, to theft, car accidents, travel mishaps – and even from the costs of legal action against us. And we can choose the types ofrisks we
RESOLVING DISPUTES
While most insurance claims are accepted, there are processes in place if your insurer disputes your claim.. Subscribers to the General Insurance Code of Practice accepted 95.7 per cent of claims* in 2017-2018, according to the Code Governance Committee.General insurers pay out about $152.3 million in claims on average each working day**. However, sometimes, the insurance company and the UNDERSTAND INSURANCE Understanding Insurance. Most of us have insurance, and while it may not be top of mind among all the other things we deal with every day, insurance can help protect the things we value most. If you think you need insurance, or even if you already have some policies, it makes sense to have a strong understanding of it so it works for you. GLOSSARY - UNDERSTAND INSURANCE Broker. An insurance broker is a specialist who works for you to find the most appropriate insurance products to suit your needs. Brokers know the market well, so on your behalf they get the quotes, read the fine print, negotiate deals and explain what it means for you.They’re especially useful if you are in the market for a few insurance products or have more complex requirements.CONTENTS INSURANCE
Contents insurance covers the financial cost of repairing or replacing your household personal possessions and furnishings, such as curtains, furniture, white goods, stereo, TV, computers and other electrical appliances, clothing, jewellery, sporting equipment and even toys.. This insurance covers household items belonging to you, and to family members who live with you. WHEN TO REVIEW AND RENEW When to review and renew. Most general insurance policies run for 12 months, though some policies allow policyholders to choose a semi-annual ( six monthly) policy if they wish, and others – such as travel insurance – cover specific dates. The renewal date for your insurance policy is based on the date you agreed with the insurer thatthe
HOW TO FIND AN INSURER http://understandinsurance.com.au/how-to-find-an-insurer € How to find an insurer € All insurance companies are different and all of the policies they provideCARAVAN INSURANCE
With increasing numbers of Australians buying a caravan or motor home and taking to the open road, it is vital to ensure your vehicle, caravan, and your permanent home, have adequate insurance protection.. If you have a caravan, motorhome or recreational vehicle, you can purchase comprehensive mobile cover for your caravan for travel within Australia, or you can choose on-site insurance to USING AN INSURANCE BROKER Using an insurance broker. An insurance broker is a specialist in insurance and risk management. Brokers act on behalf of their clients and provide advice in the interests of their clients. Sometimes an insurance broker will act as agent of an insurer, but where this occurs the situation should be fully explained to you. UNDERSTAND INSURANCE Understand Insurance is an initiative of the Insurance Council of Australia, the peak body for the general insurance industry. Understand Insurance is here to help you make better decisions about your general insurance. The information we provide is impartial and not affiliated with any one insurance company. Claims Explained. UNDERSTANDING CLAIMS Understanding claims. If you are fortunate, you may never have to make a claim against your insurance. However, when things do go wrong and you are involved in an unexpected accident, disaster or other loss that is covered by your insurance policy, you can make a claim with your insurer. The policy you buy is a promise of assistance whenthings
REGULATIONS AND OBLIGATIONS An insurance policy is a legal contract between an insurance company and a customer, and places strict obligations on both parties.. The general insurance industry in Australia is governed by a number of laws (most importantly the Insurance Act 1973, the Insurance Contracts Act 1984 and the Corporations Act 2001).. The two key regulators are the Australian Prudential Regulation Authority and UNDERSTAND INSURANCE The handy home building calculator can help you work out the value of your home. This calculator estimates the replacement cost of your home using information supplied by Cordell, Australia's leading provider of building cost information and using property attribute data supplied by CoreLogic, the largest provider of property information, analytics and property-related risk management LANDLORD AND RENTERS INSURANCE Landlord insurance. Landlord insurance protects the investment that a landlord has made in a rental property. Cover can be purchased for the building, contents or rental income, or any combination of these. Cover for loss of rent is not always included in a landlord policy and may be added as required. Many landlords are investors who haveSTRATA INSURANCE
Strata insurance generally covers the building and common property and contents as defined on the title for the property. This might include common areas, garden equipment, wiring, lifts, swimming pools, car parks, walls, windows, gardens, ceilings and floors. These policies often have to cover common property that the average home policy doesnot.
UNDERSTAND INSURANCE About insurance calculators. Most insurance policies pay a policyholder (or carry out the works) up to a set financial limit. This is called the sum-insured and represents the maximum value of your policy. Choosing the right sum-insured for your property and contents is important. Should the worst happen and you have undervalued your assets WORKERS COMPENSATION Workers' compensation is a compulsory statutory form of insurance for all employers in every state and territory in Australia and provides protection to workers if they suffer a work-related injury or disease. Any business that employs or hires workers on a full-time, part-time or casual basis, under an oral or written contract of service or apprenticeship, must have workers compensation CANCELLING YOUR POLICY Cancelling your policy. You may (if your policy permits) cancel your policy before its expiry date. If you cancel your policy, any refund of premium will usually be sent to you within 15 business days. If you change your mind about your insurance purchase, you have a minimum 14-day cooling-off period for most general insurance products. PREPARING FOR DISASTERS Preparing for disasters. A natural disaster can occur at any time. Some disasters give a warning, such as a storm preceding a flood. Others, such as earthquakes, give little or no warning. Once a disaster happens, the time to prepare is gone. The best way to cope with a natural disaster is to prepare by having a plan before itstrikes.
UNDERSTAND INSURANCE Understand Insurance is an initiative of the Insurance Council of Australia, the peak body for the general insurance industry. Understand Insurance is here to help you make better decisions about your general insurance. The information we provide is impartial and not affiliated with any one insurance company. Claims Explained. UNDERSTANDING CLAIMS Understanding claims. If you are fortunate, you may never have to make a claim against your insurance. However, when things do go wrong and you are involved in an unexpected accident, disaster or other loss that is covered by your insurance policy, you can make a claim with your insurer. The policy you buy is a promise of assistance whenthings
REGULATIONS AND OBLIGATIONS An insurance policy is a legal contract between an insurance company and a customer, and places strict obligations on both parties.. The general insurance industry in Australia is governed by a number of laws (most importantly the Insurance Act 1973, the Insurance Contracts Act 1984 and the Corporations Act 2001).. The two key regulators are the Australian Prudential Regulation Authority and UNDERSTAND INSURANCE The handy home building calculator can help you work out the value of your home. This calculator estimates the replacement cost of your home using information supplied by Cordell, Australia's leading provider of building cost information and using property attribute data supplied by CoreLogic, the largest provider of property information, analytics and property-related risk management LANDLORD AND RENTERS INSURANCE Landlord insurance. Landlord insurance protects the investment that a landlord has made in a rental property. Cover can be purchased for the building, contents or rental income, or any combination of these. Cover for loss of rent is not always included in a landlord policy and may be added as required. Many landlords are investors who haveSTRATA INSURANCE
Strata insurance generally covers the building and common property and contents as defined on the title for the property. This might include common areas, garden equipment, wiring, lifts, swimming pools, car parks, walls, windows, gardens, ceilings and floors. These policies often have to cover common property that the average home policy doesnot.
UNDERSTAND INSURANCE About insurance calculators. Most insurance policies pay a policyholder (or carry out the works) up to a set financial limit. This is called the sum-insured and represents the maximum value of your policy. Choosing the right sum-insured for your property and contents is important. Should the worst happen and you have undervalued your assets WORKERS COMPENSATION Workers' compensation is a compulsory statutory form of insurance for all employers in every state and territory in Australia and provides protection to workers if they suffer a work-related injury or disease. Any business that employs or hires workers on a full-time, part-time or casual basis, under an oral or written contract of service or apprenticeship, must have workers compensation CANCELLING YOUR POLICY Cancelling your policy. You may (if your policy permits) cancel your policy before its expiry date. If you cancel your policy, any refund of premium will usually be sent to you within 15 business days. If you change your mind about your insurance purchase, you have a minimum 14-day cooling-off period for most general insurance products. PREPARING FOR DISASTERS Preparing for disasters. A natural disaster can occur at any time. Some disasters give a warning, such as a storm preceding a flood. Others, such as earthquakes, give little or no warning. Once a disaster happens, the time to prepare is gone. The best way to cope with a natural disaster is to prepare by having a plan before itstrikes.
UNDERSTANDING CLAIMS Understanding claims. If you are fortunate, you may never have to make a claim against your insurance. However, when things do go wrong and you are involved in an unexpected accident, disaster or other loss that is covered by your insurance policy, you can make a claim with your insurer. The policy you buy is a promise of assistance whenthings
UNDERSTAND INSURANCE Understanding Insurance. Most of us have insurance, and while it may not be top of mind among all the other things we deal with every day, insurance can help protect the things we value most. If you think you need insurance, or even if you already have some policies, it makes sense to have a strong understanding of it so it works for you. GLOSSARY - UNDERSTAND INSURANCE Broker. An insurance broker is a specialist who works for you to find the most appropriate insurance products to suit your needs. Brokers know the market well, so on your behalf they get the quotes, read the fine print, negotiate deals and explain what it means for you.They’re especially useful if you are in the market for a few insurance products or have more complex requirements.CAR INSURANCE
In Victoria it’s the Transport Accident Charge. This form of insurance protects any person that you might injure while you are driving a vehicle, including pedestrians, cyclists and other road users. Each jurisdiction’s scheme has different rules, operates in a different way and covers different things. TOOLS AND CALCULATORS The handy home building calculator can help you work out the value of your home. This calculator estimates the replacement cost of your home using information supplied by Cordell, Australia's leading provider of building cost information and using property attribute data supplied by CoreLogic, the largest provider of property informationRESOLVING DISPUTES
While most insurance claims are accepted, there are processes in place if your insurer disputes your claim.. Subscribers to the General Insurance Code of Practice accepted 95.7 per cent of claims* in 2017-2018, according to the Code Governance Committee.General insurers pay out about $152.3 million in claims on average each working day**. However, sometimes, the insurance company and theFINANCIAL HARDSHIP
Financial hardship means you are unable to meet your obligations to an insurer. This could happen because you have lost your job, you’re suffering from an illness or disability or you have received some unexpectedly large bills. A financial counsellor can help you work out your options. When you call the national financial counselling hotline CANCELLING YOUR POLICY Cancelling your policy. You may (if your policy permits) cancel your policy before its expiry date. If you cancel your policy, any refund of premium will usually be sent to you within 15 business days. If you change your mind about your insurance purchase, you have a minimum 14-day cooling-off period for most general insurance products.UNDERSTANDING RISK
Risk in insurance terms. In insurance terms, risk is the chance something harmful or unexpected could happen. This might involve the loss, theft, or damage of valuable property and belongings, or it may involve someone being injured. Insurers assess and price various risks to work out how much they would need to pay out if a policyholder WHEN TO REVIEW AND RENEW When to review and renew. Most general insurance policies run for 12 months, though some policies allow policyholders to choose a semi-annual ( six monthly) policy if they wish, and others – such as travel insurance – cover specific dates. The renewal date for your insurance policy is based on the date you agreed with the insurer thatthe
UNDERSTAND INSURANCE Understand Insurance is an initiative of the Insurance Council of Australia, the peak body for the general insurance industry. Understand Insurance is here to help you make better decisions about your general insurance. The information we provide is impartial and not affiliated with any one insurance company. Claims Explained. REGULATIONS AND OBLIGATIONS An insurance policy is a legal contract between an insurance company and a customer, and places strict obligations on both parties.. The general insurance industry in Australia is governed by a number of laws (most importantly the Insurance Act 1973, the Insurance Contracts Act 1984 and the Corporations Act 2001).. The two key regulators are the Australian Prudential Regulation Authority and WORKERS COMPENSATION Workers' compensation is a compulsory statutory form of insurance for all employers in every state and territory in Australia and provides protection to workers if they suffer a work-related injury or disease. Any business that employs or hires workers on a full-time, part-time or casual basis, under an oral or written contract of service or apprenticeship, must have workers compensation LANDLORD AND RENTERS INSURANCE Landlord insurance. Landlord insurance protects the investment that a landlord has made in a rental property. Cover can be purchased for the building, contents or rental income, or any combination of these. Cover for loss of rent is not always included in a landlord policy and may be added as required. Many landlords are investors who haveRESOLVING DISPUTES
While most insurance claims are accepted, there are processes in place if your insurer disputes your claim.. Subscribers to the General Insurance Code of Practice accepted 95.7 per cent of claims* in 2017-2018, according to the Code Governance Committee.General insurers pay out about $152.3 million in claims on average each working day**. However, sometimes, the insurance company and the CANCELLING YOUR POLICY Cancelling your policy. You may (if your policy permits) cancel your policy before its expiry date. If you cancel your policy, any refund of premium will usually be sent to you within 15 business days. If you change your mind about your insurance purchase, you have a minimum 14-day cooling-off period for most general insurance products.FINANCIAL HARDSHIP
Financial hardship means you are unable to meet your obligations to an insurer. This could happen because you have lost your job, you’re suffering from an illness or disability or you have received some unexpectedly large bills. A financial counsellor can help you work out your options. When you call the national financial counselling hotlineSTRATA INSURANCE
Strata insurance generally covers the building and common property and contents as defined on the title for the property. This might include common areas, garden equipment, wiring, lifts, swimming pools, car parks, walls, windows, gardens, ceilings and floors. These policies often have to cover common property that the average home policy doesnot.
FLOOD INSURANCE
Flood insurance is often built into a range of insurance policies, including home and contents, strata title, motor vehicle and business insurance policies. The risk of a flood occurring is reflected in the cost of the premium – property owners with a high risk of flood willpay a
WHAT IS AN EXCESS?
What is an excess? Download Print Text Size. Many policies include an excess. This is the amount you have to pay if you decide to make a claim on your policy. It’s a way of you accepting a small portion of the risk yourself. The amount of the excess is specified in your policy. How does it work? UNDERSTAND INSURANCE Understand Insurance is an initiative of the Insurance Council of Australia, the peak body for the general insurance industry. Understand Insurance is here to help you make better decisions about your general insurance. The information we provide is impartial and not affiliated with any one insurance company. Claims Explained. REGULATIONS AND OBLIGATIONS An insurance policy is a legal contract between an insurance company and a customer, and places strict obligations on both parties.. The general insurance industry in Australia is governed by a number of laws (most importantly the Insurance Act 1973, the Insurance Contracts Act 1984 and the Corporations Act 2001).. The two key regulators are the Australian Prudential Regulation Authority and WORKERS COMPENSATION Workers' compensation is a compulsory statutory form of insurance for all employers in every state and territory in Australia and provides protection to workers if they suffer a work-related injury or disease. Any business that employs or hires workers on a full-time, part-time or casual basis, under an oral or written contract of service or apprenticeship, must have workers compensation LANDLORD AND RENTERS INSURANCE Landlord insurance. Landlord insurance protects the investment that a landlord has made in a rental property. Cover can be purchased for the building, contents or rental income, or any combination of these. Cover for loss of rent is not always included in a landlord policy and may be added as required. Many landlords are investors who haveRESOLVING DISPUTES
While most insurance claims are accepted, there are processes in place if your insurer disputes your claim.. Subscribers to the General Insurance Code of Practice accepted 95.7 per cent of claims* in 2017-2018, according to the Code Governance Committee.General insurers pay out about $152.3 million in claims on average each working day**. However, sometimes, the insurance company and the CANCELLING YOUR POLICY Cancelling your policy. You may (if your policy permits) cancel your policy before its expiry date. If you cancel your policy, any refund of premium will usually be sent to you within 15 business days. If you change your mind about your insurance purchase, you have a minimum 14-day cooling-off period for most general insurance products.FINANCIAL HARDSHIP
Financial hardship means you are unable to meet your obligations to an insurer. This could happen because you have lost your job, you’re suffering from an illness or disability or you have received some unexpectedly large bills. A financial counsellor can help you work out your options. When you call the national financial counselling hotlineSTRATA INSURANCE
Strata insurance generally covers the building and common property and contents as defined on the title for the property. This might include common areas, garden equipment, wiring, lifts, swimming pools, car parks, walls, windows, gardens, ceilings and floors. These policies often have to cover common property that the average home policy doesnot.
FLOOD INSURANCE
Flood insurance is often built into a range of insurance policies, including home and contents, strata title, motor vehicle and business insurance policies. The risk of a flood occurring is reflected in the cost of the premium – property owners with a high risk of flood willpay a
WHAT IS AN EXCESS?
What is an excess? Download Print Text Size. Many policies include an excess. This is the amount you have to pay if you decide to make a claim on your policy. It’s a way of you accepting a small portion of the risk yourself. The amount of the excess is specified in your policy. How does it work? UNDERSTANDING CLAIMS Understanding claims. If you are fortunate, you may never have to make a claim against your insurance. However, when things do go wrong and you are involved in an unexpected accident, disaster or other loss that is covered by your insurance policy, you can make a claim with your insurer. The policy you buy is a promise of assistance whenthings
UNDERSTAND INSURANCE Understanding Insurance. Most of us have insurance, and while it may not be top of mind among all the other things we deal with every day, insurance can help protect the things we value most. If you think you need insurance, or even if you already have some policies, it makes sense to have a strong understanding of it so it works for you.RESOLVING DISPUTES
While most insurance claims are accepted, there are processes in place if your insurer disputes your claim.. Subscribers to the General Insurance Code of Practice accepted 95.7 per cent of claims* in 2017-2018, according to the Code Governance Committee.General insurers pay out about $152.3 million in claims on average each working day**. However, sometimes, the insurance company and theCONTENTS INSURANCE
Contents insurance covers the financial cost of repairing or replacing your household personal possessions and furnishings, such as curtains, furniture, white goods, stereo, TV, computers and other electrical appliances, clothing, jewellery, sporting equipment and even toys.. This insurance covers household items belonging to you, and to family members who live with you.FINANCIAL HARDSHIP
Financial hardship means you are unable to meet your obligations to an insurer. This could happen because you have lost your job, you’re suffering from an illness or disability or you have received some unexpectedly large bills. A financial counsellor can help you work out your options. When you call the national financial counselling hotlineFARM INSURANCE
If you work in the agricultural sector, instead of ordinary business insurance, you might find that a niche product such as farm, crop and livestock insurance is going to be best suited to what you need.. Farm, crop and livestock insurance usually involves a package of different insurance types tailored to cover farm businesses and primary producers for a range of events. WHEN TO REVIEW AND RENEW When to review and renew. Most general insurance policies run for 12 months, though some policies allow policyholders to choose a semi-annual ( six monthly) policy if they wish, and others – such as travel insurance – cover specific dates. The renewal date for your insurance policy is based on the date you agreed with the insurer thatthe
HOW TO FIND AN INSURER http://understandinsurance.com.au/how-to-find-an-insurer € How to find an insurer € All insurance companies are different and all of the policies they provideCARAVAN INSURANCE
With increasing numbers of Australians buying a caravan or motor home and taking to the open road, it is vital to ensure your vehicle, caravan, and your permanent home, have adequate insurance protection.. If you have a caravan, motorhome or recreational vehicle, you can purchase comprehensive mobile cover for your caravan for travel within Australia, or you can choose on-site insurance to USING AN INSURANCE BROKER Using an insurance broker. An insurance broker is a specialist in insurance and risk management. Brokers act on behalf of their clients and provide advice in the interests of their clients. Sometimes an insurance broker will act as agent of an insurer, but where this occurs the situation should be fully explained to you. UNDERSTAND INSURANCE Understand Insurance is an initiative of the Insurance Council of Australia, the peak body for the general insurance industry. Understand Insurance is here to help you make better decisions about your general insurance. The information we provide is impartial and not affiliated with any one insurance company. Claims Explained. REGULATIONS AND OBLIGATIONS An insurance policy is a legal contract between an insurance company and a customer, and places strict obligations on both parties.. The general insurance industry in Australia is governed by a number of laws (most importantly the Insurance Act 1973, the Insurance Contracts Act 1984 and the Corporations Act 2001).. The two key regulators are the Australian Prudential Regulation Authority and UNDERSTANDING CLAIMS Understanding claims. If you are fortunate, you may never have to make a claim against your insurance. However, when things do go wrong and you are involved in an unexpected accident, disaster or other loss that is covered by your insurance policy, you can make a claim with your insurer. The policy you buy is a promise of assistance whenthings
LANDLORD AND RENTERS INSURANCE Landlord insurance. Landlord insurance protects the investment that a landlord has made in a rental property. Cover can be purchased for the building, contents or rental income, or any combination of these. Cover for loss of rent is not always included in a landlord policy and may be added as required. Many landlords are investors who have WORKERS COMPENSATION Workers' compensation is a compulsory statutory form of insurance for all employers in every state and territory in Australia and provides protection to workers if they suffer a work-related injury or disease. Any business that employs or hires workers on a full-time, part-time or casual basis, under an oral or written contract of service or apprenticeship, must have workers compensationRESOLVING DISPUTES
While most insurance claims are accepted, there are processes in place if your insurer disputes your claim.. Subscribers to the General Insurance Code of Practice accepted 95.7 per cent of claims* in 2017-2018, according to the Code Governance Committee.General insurers pay out about $152.3 million in claims on average each working day**. However, sometimes, the insurance company and the CANCELLING YOUR POLICY Cancelling your policy. You may (if your policy permits) cancel your policy before its expiry date. If you cancel your policy, any refund of premium will usually be sent to you within 15 business days. If you change your mind about your insurance purchase, you have a minimum 14-day cooling-off period for most general insurance products. UNDERSTAND INSURANCE The handy home building calculator can help you work out the value of your home. This calculator estimates the replacement cost of your home using information supplied by Cordell, Australia's leading provider of building cost information and using property attribute data supplied by CoreLogic, the largest provider of property information, analytics and property-related risk managementSTRATA INSURANCE
Strata insurance generally covers the building and common property and contents as defined on the title for the property. This might include common areas, garden equipment, wiring, lifts, swimming pools, car parks, walls, windows, gardens, ceilings and floors. These policies often have to cover common property that the average home policy doesnot.
FLOOD INSURANCE
Flood insurance is often built into a range of insurance policies, including home and contents, strata title, motor vehicle and business insurance policies. The risk of a flood occurring is reflected in the cost of the premium – property owners with a high risk of flood willpay a
UNDERSTAND INSURANCE Understand Insurance is an initiative of the Insurance Council of Australia, the peak body for the general insurance industry. Understand Insurance is here to help you make better decisions about your general insurance. The information we provide is impartial and not affiliated with any one insurance company. Claims Explained. REGULATIONS AND OBLIGATIONS An insurance policy is a legal contract between an insurance company and a customer, and places strict obligations on both parties.. The general insurance industry in Australia is governed by a number of laws (most importantly the Insurance Act 1973, the Insurance Contracts Act 1984 and the Corporations Act 2001).. The two key regulators are the Australian Prudential Regulation Authority and UNDERSTANDING CLAIMS Understanding claims. If you are fortunate, you may never have to make a claim against your insurance. However, when things do go wrong and you are involved in an unexpected accident, disaster or other loss that is covered by your insurance policy, you can make a claim with your insurer. The policy you buy is a promise of assistance whenthings
LANDLORD AND RENTERS INSURANCE Landlord insurance. Landlord insurance protects the investment that a landlord has made in a rental property. Cover can be purchased for the building, contents or rental income, or any combination of these. Cover for loss of rent is not always included in a landlord policy and may be added as required. Many landlords are investors who have WORKERS COMPENSATION Workers' compensation is a compulsory statutory form of insurance for all employers in every state and territory in Australia and provides protection to workers if they suffer a work-related injury or disease. Any business that employs or hires workers on a full-time, part-time or casual basis, under an oral or written contract of service or apprenticeship, must have workers compensationRESOLVING DISPUTES
While most insurance claims are accepted, there are processes in place if your insurer disputes your claim.. Subscribers to the General Insurance Code of Practice accepted 95.7 per cent of claims* in 2017-2018, according to the Code Governance Committee.General insurers pay out about $152.3 million in claims on average each working day**. However, sometimes, the insurance company and the CANCELLING YOUR POLICY Cancelling your policy. You may (if your policy permits) cancel your policy before its expiry date. If you cancel your policy, any refund of premium will usually be sent to you within 15 business days. If you change your mind about your insurance purchase, you have a minimum 14-day cooling-off period for most general insurance products. UNDERSTAND INSURANCE The handy home building calculator can help you work out the value of your home. This calculator estimates the replacement cost of your home using information supplied by Cordell, Australia's leading provider of building cost information and using property attribute data supplied by CoreLogic, the largest provider of property information, analytics and property-related risk managementSTRATA INSURANCE
Strata insurance generally covers the building and common property and contents as defined on the title for the property. This might include common areas, garden equipment, wiring, lifts, swimming pools, car parks, walls, windows, gardens, ceilings and floors. These policies often have to cover common property that the average home policy doesnot.
FLOOD INSURANCE
Flood insurance is often built into a range of insurance policies, including home and contents, strata title, motor vehicle and business insurance policies. The risk of a flood occurring is reflected in the cost of the premium – property owners with a high risk of flood willpay a
UNDERSTANDING CLAIMS Understanding claims. If you are fortunate, you may never have to make a claim against your insurance. However, when things do go wrong and you are involved in an unexpected accident, disaster or other loss that is covered by your insurance policy, you can make a claim with your insurer. The policy you buy is a promise of assistance whenthings
UNDERSTAND INSURANCE Understanding Insurance. Most of us have insurance, and while it may not be top of mind among all the other things we deal with every day, insurance can help protect the things we value most. If you think you need insurance, or even if you already have some policies, it makes sense to have a strong understanding of it so it works for you.RESOLVING DISPUTES
While most insurance claims are accepted, there are processes in place if your insurer disputes your claim.. Subscribers to the General Insurance Code of Practice accepted 95.7 per cent of claims* in 2017-2018, according to the Code Governance Committee.General insurers pay out about $152.3 million in claims on average each working day**. However, sometimes, the insurance company and theCONTENTS INSURANCE
Contents insurance covers the financial cost of repairing or replacing your household personal possessions and furnishings, such as curtains, furniture, white goods, stereo, TV, computers and other electrical appliances, clothing, jewellery, sporting equipment and even toys.. This insurance covers household items belonging to you, and to family members who live with you.WHAT IS AN EXCESS?
What is an excess? Download Print Text Size. Many policies include an excess. This is the amount you have to pay if you decide to make a claim on your policy. It’s a way of you accepting a small portion of the risk yourself. The amount of the excess is specified in your policy. How does it work?FARM INSURANCE
If you work in the agricultural sector, instead of ordinary business insurance, you might find that a niche product such as farm, crop and livestock insurance is going to be best suited to what you need.. Farm, crop and livestock insurance usually involves a package of different insurance types tailored to cover farm businesses and primary producers for a range of events. WHEN TO REVIEW AND RENEW When to review and renew. Most general insurance policies run for 12 months, though some policies allow policyholders to choose a semi-annual ( six monthly) policy if they wish, and others – such as travel insurance – cover specific dates. The renewal date for your insurance policy is based on the date you agreed with the insurer thatthe
HOW TO FIND AN INSURER http://understandinsurance.com.au/how-to-find-an-insurer € How to find an insurer € All insurance companies are different and all of the policies they provideCARAVAN INSURANCE
With increasing numbers of Australians buying a caravan or motor home and taking to the open road, it is vital to ensure your vehicle, caravan, and your permanent home, have adequate insurance protection.. If you have a caravan, motorhome or recreational vehicle, you can purchase comprehensive mobile cover for your caravan for travel within Australia, or you can choose on-site insurance to RECOVERING FROM A DISASTER Recovering from a disaster is a gradual process. It will usually take some time before things return to normal, so is important to be patient. Throughout the recovery period, monitor local radio or television reports and other media for information about where you can seek emergency housing, food, first aid, clothing, and financialassistance.
UNDERSTAND INSURANCEUNDERSTANDING HEALTHCARE INSURANCE Understand Insurance is an initiative of the Insurance Council of Australia, the peak body for the general insurance industry. Understand Insurance is here to help you make better decisions about your general insurance. The information we provide is impartial and not affiliated with any one insurance company. Claims Explained. UNDERSTAND INSURANCE Understanding Insurance. Most of us have insurance, and while it may not be top of mind among all the other things we deal with every day, insurance can help protect the things we value most. If you think you need insurance, or even if you already have some policies, it makes sense to have a strong understanding of it so it works for you. UNDERSTAND INSURANCE The handy home building calculator can help you work out the value of your home. This calculator estimates the replacement cost of your home using information supplied by Cordell, Australia's leading provider of building cost information and using property attribute data supplied by CoreLogic, the largest provider of property information, analytics and property-related risk management TOOLS AND CALCULATORS The handy home building calculator can help you work out the value of your home. This calculator estimates the replacement cost of your home using information supplied by Cordell, Australia's leading provider of building cost information and using property attribute data supplied by CoreLogic, the largest provider of property information LANDLORD AND RENTERS INSURANCEAMEX CAR RENTAL INSURANCE AUSTRALIABUDGET CAR RENTAL AUSTRALIA INSURANCERENTAL CAR INSURANCE IN AUSTRALIAVISA CAR RENTAL INSURANCE AUSTRALIAVRBO INSURANCE FORHOMEOWNERS
Landlord insurance. Landlord insurance protects the investment that a landlord has made in a rental property. Cover can be purchased for the building, contents or rental income, or any combination of these. Cover for loss of rent is not always included in a landlord policy and may be added as required. Many landlords are investors who have WORKERS COMPENSATION Workers' compensation is a compulsory statutory form of insurance for all employers in every state and territory in Australia and provides protection to workers if they suffer a work-related injury or disease. Any business that employs or hires workers on a full-time, part-time or casual basis, under an oral or written contract of service or apprenticeship, must have workers compensation CANCELLING YOUR POLICY Cancelling your policy. You may (if your policy permits) cancel your policy before its expiry date. If you cancel your policy, any refund of premium will usually be sent to you within 15 business days. If you change your mind about your insurance purchase, you have a minimum 14-day cooling-off period for most general insurance products.WHAT IS AN EXCESS?
What is an excess? Download Print Text Size. Many policies include an excess. This is the amount you have to pay if you decide to make a claim on your policy. It’s a way of you accepting a small portion of the risk yourself. The amount of the excess is specified in your policy. How does it work? STRATA INSURANCESTRATA INSURANCESTRATA INSURANCESTRATA INSURANCE COMPANYSTRATA FOUNDATIONSTRATA UNDERWRITERSTRATA UTAH Strata insurance generally covers the building and common property and contents as defined on the title for the property. This might include common areas, garden equipment, wiring, lifts, swimming pools, car parks, walls, windows, gardens, ceilings and floors. These policies often have to cover common property that the average home policy doesnot.
FLOOD INSURANCE
Flood insurance is often built into a range of insurance policies, including home and contents, strata title, motor vehicle and business insurance policies. The risk of a flood occurring is reflected in the cost of the premium – property owners with a high risk of flood willpay a
UNDERSTAND INSURANCEUNDERSTANDING HEALTHCARE INSURANCE Understand Insurance is an initiative of the Insurance Council of Australia, the peak body for the general insurance industry. Understand Insurance is here to help you make better decisions about your general insurance. The information we provide is impartial and not affiliated with any one insurance company. Claims Explained. UNDERSTAND INSURANCE Understanding Insurance. Most of us have insurance, and while it may not be top of mind among all the other things we deal with every day, insurance can help protect the things we value most. If you think you need insurance, or even if you already have some policies, it makes sense to have a strong understanding of it so it works for you. UNDERSTAND INSURANCE The handy home building calculator can help you work out the value of your home. This calculator estimates the replacement cost of your home using information supplied by Cordell, Australia's leading provider of building cost information and using property attribute data supplied by CoreLogic, the largest provider of property information, analytics and property-related risk management TOOLS AND CALCULATORS The handy home building calculator can help you work out the value of your home. This calculator estimates the replacement cost of your home using information supplied by Cordell, Australia's leading provider of building cost information and using property attribute data supplied by CoreLogic, the largest provider of property information LANDLORD AND RENTERS INSURANCEAMEX CAR RENTAL INSURANCE AUSTRALIABUDGET CAR RENTAL AUSTRALIA INSURANCERENTAL CAR INSURANCE IN AUSTRALIAVISA CAR RENTAL INSURANCE AUSTRALIAVRBO INSURANCE FORHOMEOWNERS
Landlord insurance. Landlord insurance protects the investment that a landlord has made in a rental property. Cover can be purchased for the building, contents or rental income, or any combination of these. Cover for loss of rent is not always included in a landlord policy and may be added as required. Many landlords are investors who have WORKERS COMPENSATION Workers' compensation is a compulsory statutory form of insurance for all employers in every state and territory in Australia and provides protection to workers if they suffer a work-related injury or disease. Any business that employs or hires workers on a full-time, part-time or casual basis, under an oral or written contract of service or apprenticeship, must have workers compensation CANCELLING YOUR POLICY Cancelling your policy. You may (if your policy permits) cancel your policy before its expiry date. If you cancel your policy, any refund of premium will usually be sent to you within 15 business days. If you change your mind about your insurance purchase, you have a minimum 14-day cooling-off period for most general insurance products.WHAT IS AN EXCESS?
What is an excess? Download Print Text Size. Many policies include an excess. This is the amount you have to pay if you decide to make a claim on your policy. It’s a way of you accepting a small portion of the risk yourself. The amount of the excess is specified in your policy. How does it work? STRATA INSURANCESTRATA INSURANCESTRATA INSURANCESTRATA INSURANCE COMPANYSTRATA FOUNDATIONSTRATA UNDERWRITERSTRATA UTAH Strata insurance generally covers the building and common property and contents as defined on the title for the property. This might include common areas, garden equipment, wiring, lifts, swimming pools, car parks, walls, windows, gardens, ceilings and floors. These policies often have to cover common property that the average home policy doesnot.
FLOOD INSURANCE
Flood insurance is often built into a range of insurance policies, including home and contents, strata title, motor vehicle and business insurance policies. The risk of a flood occurring is reflected in the cost of the premium – property owners with a high risk of flood willpay a
INSURANCE EXPLAINED
General insurance helps us protect ourselves and the things we value, such as our homes, our cars and our valuables, from the financial impact of risks, big and small – from fire, flood, storm and earthquake, to theft, car accidents, travel mishaps – and even from the costs of legal action against us. And we can choose the types ofrisks we
TOOLS AND CALCULATORS Building Calculator. The handy home building calculator can help you work out the value of your home. This calculator estimates the replacement cost of your home using information supplied by Cordell, Australia's leading provider of building cost information and using property attribute data supplied by CoreLogic, the largest provider of property information, analytics and property-related UNDERSTANDING CLAIMS Understanding claims. If you are fortunate, you may never have to make a claim against your insurance. However, when things do go wrong and you are involved in an unexpected accident, disaster or other loss that is covered by your insurance policy, you can make a claim with your insurer. The policy you buy is a promise of assistance whenthings
UNDERSTAND INSURANCE Understanding Insurance. Most of us have insurance, and while it may not be top of mind among all the other things we deal with every day, insurance can help protect the things we value most. If you think you need insurance, or even if you already have some policies, it makes sense to have a strong understanding of it so it works for you.RESOLVING DISPUTES
While most insurance claims are accepted, there are processes in place if your insurer disputes your claim.. Subscribers to the General Insurance Code of Practice accepted 95.7 per cent of claims* in 2017-2018, according to the Code Governance Committee.General insurers pay out about $152.3 million in claims on average each working day**. However, sometimes, the insurance company and theCARAVAN INSURANCE
With increasing numbers of Australians buying a caravan or motor home and taking to the open road, it is vital to ensure your vehicle, caravan, and your permanent home, have adequate insurance protection.. If you have a caravan, motorhome or recreational vehicle, you can purchase comprehensive mobile cover for your caravan for travel within Australia, or you can choose on-site insurance to WHEN TO REVIEW AND RENEW When to review and renew. Most general insurance policies run for 12 months, though some policies allow policyholders to choose a semi-annual ( six monthly) policy if they wish, and others – such as travel insurance – cover specific dates. The renewal date for your insurance policy is based on the date you agreed with the insurer thatthe
HOW TO FIND AN INSURER http://understandinsurance.com.au/how-to-find-an-insurer € How to find an insurer € All insurance companies are different and all of the policies they provide RECOVERING FROM A DISASTER Recovering from a disaster is a gradual process. It will usually take some time before things return to normal, so is important to be patient. Throughout the recovery period, monitor local radio or television reports and other media for information about where you can seek emergency housing, food, first aid, clothing, and financialassistance.
CYCLONES - UNDERSTAND INSURANCE A cyclone is a violent storm with very high winds rotating around a calm centre of low pressure. Cyclones can cause destructive winds in excess of 280kmh, floods, storm surges and widespread damage.. Cyclones of varying intensity generally occur between November andApril each year.
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Although insurance is a necessary part of our lives, many people are unsure about what their policies cover, whether they have enough insurance or even what they need. We're here to help you cut through the jargon, and provide you with practical information to help you find the right policy for you. Understand Insurance is an initiative of the Insurance Council of Australia, the peak body for the general insurance industry. The Insurance Council has consulted widely with consumer groups, consumer legal services, disability advocates, regulators and government agencies to provide you with the most accessible and accurate website possible. The information we provide is impartial and not affiliated with any one insurance company.The MyHazards App
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