Home and Contents Insurance Form

Important Note about Contents

All policies have a maximum value per item or limit per item for contents that are not specified.

Many direct insurers have a limit of $1,000 which isn’t very much for jewellery, musical equipment, cameras, or sporting equipment, particularly e-bikes.

As we use multiple insurers, the quotes we arrange could have different limits. Usually this ranges from $10,000 per item through to $20,000 per item not specified.

If you have high value items that aren’t specified, please let us know so we can recommend the right policy.

Claims and Disclosure Questions

The questions we ask below will help us arrange quotes for you, however, you will be required to check similar questions which may be worded differently on any final application form or "what you told us" form before you make payment of any policy we arrange for you. You must check these forms we send you each and every year to ensure the answers remain accurate and notify us of any changes that are required.

Financial Service Guide (FSG)

Our Financial Service Guide (FSG) explains who we are and the license under which we operate. You should read our FSG before accepting any policy or advice from us. You can read our FSG online at www.oraclegroup.com.au/fsg.

Cooling Off

If you are not completely satisfied with your policy, you may cancel it by notifying us in writing within 30 days of cover having commenced. You will receive a refund of the amount you have paid unless something has occurred for which a claim may become payable under the policy.

Confirming Transactions

You may contact us, in writing (which is always required if you are advising cancellation) or by phone, to confirm any transaction under your policy. Any transaction will be documented by us as quickly as possible.

Code of Practice

A self-regulatory Code of Practice exists for the general insurance industry, designed to raise overall standards. We have adopted the Code, details of which can be obtained from your insurance broker or our office.

Complaints

If you do not agree with any decision we make in relation to your insurance, please write to us stating what you disagree with and why. We will then either resolve or attempt to resolve your complaint immediately or refer the matter to our Internal Dispute Resolution Committee (IDRC). If you are not satisfied with a decision of the IDRC, the matter may be referred to an independent alternative dispute resolution body, the Australian Financial Complaints Authority (AFCA) provided it falls within their jurisdiction.

Privacy

We respect your privacy and comply with the Privacy Act and the National Principles. A copy of our Privacy policy is available upon request or on our website.

Your duty when you apply for insurance

Before you enter into an insurance contract, you have a duty to not misrepresent under the Insurance Contracts Act 1984.

By law, you must take reasonable care not to make a misrepresentation. This means giving us true, complete and accurate answers to our questions, including where you provide information on someone else’s behalf.

We use your answers to decide whether to insure you and on what terms.

If you do not tell us something

If any of your answers are misleading, incomplete, inaccurate or fraudulent we may reduce or not pay a claim, cancel your policy or treat it as if it never existed.

I hereby declare that:

My attention has been drawn to the important notices accompanying this Application form and further I have read these notices carefully and acknowledge my understanding of their content by my signature below.

The above statements are true, and I have not suppressed or mis-stated any facts and should any information given by me alter between the date of this Application form and the inception date of the insurance to which this Application relates I shall give immediately notice thereof.

I authorise you to collect or disclose any personal information relating to this insurance to or from any other insurers or insurance reference service. Where I have provided information about another individual (for example, an employee, or client), I declare that the individual has been or will be made aware of that fact and the section in the Policy on "The way we handle your personal information".

I also confirm that the undersigned is authorised to act for and on behalf of all persons who may be entitled to indemnity under any policy which may be issued pursuant to this Application form and I complete this Application form on their behalf.