Commercial Landlord Fact Find Information

Commercial Landlord Fact Find Information

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Your Disclosure Obligations

It is important that you provide us with complete and accurate information about the risks to be insured, otherwise the advice we give you may not be appropriate for your needs. We rely on you to provide complete and accurate information.

Before you enter into an insurance contract with an insurer, you have a duty under the Insurance Contracts Act 1984 (Cth) to disclose information to the insurer. This Duty of Disclosure applies until the insurer either agrees to insure you or renew your insurance. The Duty of Disclosure also applies before you extend, vary, or reinstate your insurance.

If you are applying for or renewing insurance in relation to consumer insurance products such as, your motor vehicle, home building and/or contents, residential strata, travel, personal accident or sickness and/or consumer credit products, you must answer the specific questions asked by the insurer truthfully and accurately. In answering those questions, you must tell the insurer all information that’s known to you and that a reasonable person would be expected to provide in answer to the questions. Not doing so may be considered by the insurer to be a breach of your ‘duty to take reasonable care not to make a misrepresentation’ and may cause issues in relation to the validity of your insurance contract and/or issues in the event of you lodging a claim.

At renewal, the insurer may either ask you to advise any changes to information you have previously disclosed; or may give you a copy of the information you previously disclosed and ask you to advise them if there have been any changes. If you do not tell the insurer about a change, you will be taken to have told the insurer there is no change.

If you are applying for, or renewing any other types of insurance, you must tell the insurer all information that is known to you that a reasonable person in the circumstances could be expected to know, or that is relevant to the insurer’s decision to insure you and on what terms. You do not need to tell the insurer anything:

·         that reduces the risk it insures you for;

·         is common knowledge;

·         that the insurer knows or should know; or

·         which the insurer waived you duty to tell it about.

Non-disclosure

If you fail to comply with your Duty of Disclosure, the insurer may cancel your insurance contract, or reduce the amount it will pay you if you make a claim, or both. If your failure to comply with the Duty of Disclosure is fraudulent, the insurer may refuse to pay a claim and treat the insurance contract as if it never existed.

If you are in doubt about whether or not a particular matter should be disclosed, please contact your Account Executive.

Where you represent another insured party you must make sure you explain the Duty of Disclosure to them when we arrange any insurance cover. Alternatively, you may ask any person you represent to contact us and we will explain their Duty of Disclosure to them directly.

Should you wish to discuss any of the above information, please do not hesitate to contact us
Contact Person

First NameLast Name
Referred By
Who introduced to us
E-Mail
Email
Phone Number
Owner Name*
Company Name
Additional owner
ABN
Insurance Start Date

DayMonthYear
Date
Address*

Street Address

Street Address Line 2

SuburbState

Post Code
Building Details*
Fire Protection*
Security Measures*
Tenancy details
Number of tenants
Tenants list*
Property Damage Cover
Building Value*
Current replacement value of the Building
Contents Value
Glass Cover required?

YesNo
Type of glass cover.

Internal onlyExternal onlyBoth
Rent Cover
Annual rental income
Rent earned from all tenancies
Type of cover required?

Loss of rentRent default by tenant
Has the current tenant defaulted any rents in last 3 months.

YesNo
Other information
Name of Property Manager
Realestate Company
Mortgagee
Bank or financial institution
Public Liability Cover
Limit of Liability
Duty of disclosure

Type a question

	Response
Have any directors, partners or proprietors been convicted of any criminal offences during the last 5 years OR have any charges currently?
Have any directors, partners or proprietors had any insurer, in the last 5 years decline any claim, refuse or cancel any cover or require special terms to insure you?
Have you or any directors, partners or proprietors to be insured under this policy lodged any claims, notified an insurer of a potential claim, or is aware of an incident that may lead to a claim in the last 5 years?
Have you or any directors, partners or proprietors ever been declared bankrupt?
Have you or any directors, partners or proprietors ever been involved in a company or business which became insolvent or subject to any form of insolvency administration?
Have you or any directors, partners or proprietors been liable for any civil offence or pecuniary penalty?

If answered yes to any of above, please provide details.
Attach your current policy and/or claims history report.

Cancelof
Please note that submitting this form does not automatically provide you with coverage.
Once the form is successfully completed and any required follow-up information is provided, we will offer you a selection of quotations. Coverage will only commence after you:
- Accept a quotation,
- Receive confirmation from us, and
- Complete the payment process.
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Commercial Landlord Fact Find Information

Your Disclosure Obligations

Non-disclosure

Tenancy details

Property Damage Cover

Rent Cover

Other information

Public Liability Cover

Duty of disclosure