[PDF] Top 20 owner builder construction & liability insurance product disclosure statement, policy and application

... the policy, you may be required to pay one or more ...the policy wording under ‘Excess’ on page 6 and the amount of each excess will be shown on your ...the construction, the location where the ... See full document

... If you are either wholly or partially input taxed, you are in a special category under the GST legislation and will need to advise us your sums insured, asset values or revenue on a GST inclusive basis with the exception ... See full document

... Your application for the Policy, to provide the cover You have chosen, calculate or offer discounts to You, administer the Policy, assess, investigate, handle and settle any claim, communicate with ... See full document

... a policy with you, we will provide you with a schedule which sets out the cover you have and other information specific to you (for example, who is covered, your Period of Insurance and the relevant limits ... See full document

... a policy with you, we will provide you with a schedule which sets out the cover you have and other information specific to you (for example, who is covered, your Period of Insurance and the relevant limits ... See full document

... The Privacy Act 1988 (Cth) regulates the way private sector organisations, such as QBE, collect, use, protect and disclose personal information. We are committed to safeguarding your privacy and the confidentiality of ... See full document

... your application has been approved and we confirm this for you in ...a policy certificate. The policy certificate sets out the details of your cover, including the name of the policy ... See full document

... the insurance cover described in this PDS is to complete and submit the Participating Trustee Application Form (found at the back of this PDS), together with a completed IOOF SMSF Insurance Personal ... See full document

... You must comply with the duty of disclosure (see meaning on page 51) when you apply for this insurance. We will ask you for information about your vehicle, you and the drivers of your vehicle, which is used ... See full document

... for insurance you will need to give us information about you, your spouse and family ...your application, to provide the cover you have chosen, to administer the Policy and assess any ... See full document

... of disclosure (see meaning on page 40) when you apply for this insurance� We will ask you for information about your boat and yourself, which is used by us to consider your insurance ... See full document

... a policy with you, we will provide you with a schedule which sets out the cover you have and other information specific to you (for example, the Strata Corporation covered, your Period of Insurance and the ... See full document

... This policy shall not be binding until you have completed the application process and your application has been received and accepted by ...The policy will commence from the date listed on the ... See full document

... You have the same duty to inform Us of those matters before You renew, extend, vary, or reinstate Your contract of insurance. The duty applies until the Policy is entered into, or where relevant, renewed, ... See full document

... We may not cover you for some events – for example, bushfire or storm – if they cause loss or damage during an embargo period. Under 'Special conditions' in your current Certificate of Insurance, we show any ... See full document

... providing insurance products and services and for processing and assessing ...Your insurance broker or intermediary or as permitted or required by ... See full document

... No policy covers everything – therefore we have designed this Product Disclosure Statement and Policy Wording so that it is easy for you to distinguish between what is covered and what ... See full document

... All amounts insured shown on your certificate of insurance include Goods and Services Tax (GST). If you make a claim you must tell us of any entitlements you may have to input tax credits on this policy. We ... See full document

... This Additional benefit is available only for Motor Vehicles that are sedans, station wagons, panel vans, utility, 4x4 or goods carrying vehicles with a Gross Vehicle Mass less than 3,500 kilograms. We will not reduce ... See full document

... Note: Whilst in your home there is no cover for any item of jewellery that has been insured for more than $20,000 while it is not being worn unless it is kept in a locked safe that has been installed within your home in ... See full document