Duty of Disclosure

Your 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 expect to know, is relevant to the Insurer's decision whether to accept the risk of 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 duty however does not require disclosure of matter.

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

Non-disclosure

If you fail to comply with your duty of disclosure, the Insurer may be entitled to reduce the liability under the Contract in respect of a claim or may cancel the Contract. If your non-disclosure is fraudulent, the Insurer may also have the option of avoiding the Contract from its beginning.

Clients who are not fully satisfied with our services should contact our customer relations/complaints officer. Hospitality Insurance, as a division of Northern Insurance and Finance Brokers (Cairns) Pty Ltd, also subscribe to the Insurance Brokers Disputes Limited (IBD), a free customer service and the General Insurance Brokers Code of Practice. Further information is available from this office, or contract the IBD on 1300 780 808.

Privacy Policy

Privacy

Hospitality Insurance, a division of Northern Insurance & Finance Brokers (Cairns) Pty Ltd, understand the concern you may have for your privacy and the security of information collected from you, either in hard-copy or on-line. We are committed to protecting your privacy and the confidentiality of your personal information, ensuring that your personal data is handled sensitively and securely.

Collecting & Using Personal Information

Collection of personal data allows us to make prompt contact with you where necessary and to understand your Insurance information needs. Information obtained will also ensure the continuous improvement of our products and services.

We will not collect or solicit personal information which is unlawful, unnecessary or unrelated to our functions or activities.

If you do not wish to receive information about our products or services, you may inform us at any time.

Currency of Information

We keep your personal information up-to-date, based on information received from you. Where your personal information is inaccurate, incomplete or out-of-date, please contact us to have it corrected.

More information on privacy legislation is available from the Federal Privacy Commissioner at www.privacy.gov.au