[PDF] Top 20 IOOF SMSF Insurance. Product Disclosure Statement

... Zurich Insurance Group Ltd, other insurers and reinsurers, our service providers, our business partners or as required by law within Australia or ...2001, Insurance Contracts Act 1984, Life Insurance ... See full document

... You must comply with the duty of disclosure (see meaning on page 44) when you apply for this insurance. We will ask you for information about your building, your common contents and you, which is used by us ... See full document

... Australian Unity exists to serve its clients. It is the way we conduct our business now as one of Australia’s leading financial services institutions, and the way we have conducted our business for more than 175 years. ... See full document

... This unique Charter was drawn up through consultation with our staff, our customers and industry regulators, and is reviewed annually. Compliance with our promises is independently audited every year and the results are ... See full document

... the insurance cover provided by the contract expired, the insurer is not relieved of liability under the contract in respect of the claim when made by reason only that it was made after the expiration of the ... See full document

... This Product Disclosure Statement (PDS) is an important legal document that contains details of the home and contents ...buy insurance from us, please read this PDS through and then keep it, ... See full document

... A breach or non-compliance with any general Policy condition without the knowledge of You or any responsible officer will not affect Your right to the cover under this Policy. However where You or any responsible officer ... See full document

... Agreed value is the most we will pay for your bike, less any excess and any other deductions this policy explains, for any accidental loss and damage covered by this policy occurring during the period of cover. The ... See full document

... the product but it is not a Bank. This product is not a deposit or other liability of ANZ or its related group companies and none of them stands behind or guarantees the ... See full document

... The excesses that apply to your policy are shown on your insurance schedule and updated on your renewal notice. They are also described in our AAMI Comprehensive Car Insurance – Premium, Excesses & ... See full document

... this insurance cover, and we agree to accept the risk, you need to make a few decisions about the insurance cover that you ...this insurance is right for ... See full document

... This insurance and premium payable is based on the address you have provided, which is shown on the ...no insurance at the new address except in respect to the Standard Benefit “Cover when you move sites” ... See full document

... To help make calculating your sum insured easy we have available for you on-line sum insured calculators that can assist you in determining your sum insured. The sum insured calculators take into account all those extra ... See full document

... The total number of days we will allow as seasonal increase periods is 120 days in total during any one period of insurance. You do not have to tell us what the dates of the periods are, but if you claim under a ... See full document

... At NRMA Insurance, we have been protecting Australians and the things they value for over 85 years. Over that time we’ve built a wealth of invaluable knowledge and experience. This helps us provide you with great ... See full document

... The Commonwealth Bank collects and uses information to get an integrated view of its customers. That view may change from time to time. As part of the Commonwealth Bank Group, we may use aspects of that view (for example ... See full document

... As soon as the details on your insurance schedule are no longer accurate you must update your policy details. If you’ve got a new address, you need to change your car’s use, or any other details login to ... See full document

... When you apply for a new policy your duty of disclosure applies, but you do not need to disclose something to us unless we specifically ask you about it. However, you must be honest in answering any questions we ... See full document

... this insurance cover, and we agree to accept the risk, you need to make a few decisions about the insurance cover that you ...this insurance is right for ... See full document

... The cost of cover depends on your age, gender, smoking status and your chosen level of sum insured, which must be in multiples of $50,000. Note: A smoker is classed as a person who has smoked any substance within the ... See full document