• Tiny Home - Home and Contents Insurance

    (Fixed Location Only)

  • Insurance Required

  • Insurance Required*

  • Building

    Building and Land Details
  • What is the size of the land?*
  • Are you the owner of the land? (either personally, in a Trust or Company)*
  • Wall Cladding (external) - Select 1 or more*
  • Roof*

  • Contents Sum Insured

    Section to be completed only if Contents cover is selected
  • Do you require cover for Specified Valuables (valuable contents (jewelry, watches etc. worth more than $10,000)

  • Security

    Section to be completed only if Contents cover is selected
  • Select the security on the property's externally accessible doors?*
  • Select the security on the property's externally accessible windows?*
  • Alarm Security*

  • Property Use

  • Is the property used as a hostel, bed and breakfast, or guesthouse?*
  • Is any other business conducted out of the home?*
  • Is the dwelling under construction, reconstruction or renovation?*
  • Is the property in poor condition or poorly maintained?*
  • Is the property expected to be unoccupied for more than 90 continuous days during the period of cover? (occupied means someone staying overnight at the address)*

  • Informed Consent

    As your Insurance Broker, we are required by law to obtain your informed consent to earn commission income prior to arranging your policies. This income is received annually. This consent will apply to future renewals of these policies and is required. You as the Client, and us as your Broker, may vary the consent by agreement.

    When we provide you with quotations and placement information, we will advise you who the insurer is. The commission we earn varies between 0% and 35%.

    To learn more about the requirement for your informed consent for us to earn income, please visit https://www.imeinsurance.com.au/informedconsent 

  • I consent to Benjamin and Benjamin Insurance Group Pty Ltd earning commission income from the successful placement of our insurance policies*

  • As we require to earn income from insurance placements, we may not be able to provide a quote for you.

    Please contact the team to discuss further.

    Benjamin and Benjamin - https://www.benjamin-ig.com.au/contact 

  • Claims

  • Have there been any home or contents related claims made within the past 3 years?*

  • Interested Parties

  • Do you have Interested Parties that need to be noted on your policy ? (Bank/Financier etc)*

  • Declaration

  • Have you been declined insurance or had insurance cancelled in the past 5 years?*
  • Had any criminal conviction relating to fraud, theft, dishonesty, arson, or malicious damage (excluding any convictions that are not legally required to be disclosed)?*
  • Do you currently hold Home & Contents Insurance for this property?*

  • We draw your attention to the Important Information accompanying this Application form. You must read the Important Notice carefully. If you do not understand the content of Important Information, please contact us immediately. 

    If any of the statements in this Application form are untrue, and you suppressed or mis-stated any facts and/or should any inofmration given by you alter between the date of this Appication form and the inception date of the insurance to which this Application relates, you must immediately notify us. 

    You authorise us to collect or disclose any personal information relating to this insurnace to any insurer insurance reference service. Where you have provided information about another individual (for example, a relative, employee or client), you have or you will make the individual aware of that fact and the section in the Policy on "The way we handle your personal information". 

    You agree that you have read and understood this notice by doing any of the following: 

    1. Signing and submitting a copy of this form; 
    2. Providing the information requested and submitting the form to us; or 
    3. Providing us with instructions to place the policy. 
  • Signature
  • Date of Declaration

  • Important Information

    For your protection under legislation, we are required to inform you of your duty of disclosure and draw your attention to the following important information. 

    Duty of Disclosure

    To enable us to provide the right advice and before you enter into an insurance contract, you have a duty under the law to tell us anything that you know or could reasonably be expected to know, that may affect an Insurer's decision to insure you and on what terms.

    You have this duty until you enter into an insurance contract.

    You have this same duty before you renew, extend, vary or reinstate any insurance contract.

    Your duty, however, does not require disclosure of a matter: 

    • reduces the risk you want insured; or
    • that is common knowledge; or
    • that the insurer knows or, in the ordinary course of business, should know; or
    • if the Insurer was waived your duty to disclose. 

    Non-Disclosure

    If you fail to meet your Duty of Disclosure the Insurer may be entitled to reduce its liability under the contract in respect of a claim, or may cancel the insurance contract. if your non-disclosure was fraudulent, the Insurer may have the option of voiding the contract from the beginning (i.e. treating it as if it never existed). 

     

    DUTY TO TAKE REASONABLE CARE NOT TO MAKE A MISREPRESENTATION

     

    You have a duty under the Insurance Contracts Act 1984 (ICA) to take reasonable care not to make a misrepresentation to the insurer

    (your duty). Your duty applies only in respect of your policy that is a consumer insurance contract, which is a term defined in the ICA.

    This notice includes information you have previously told us that is relevant to your policy, which we passed on to the insurer. The

    insurer requires you to contact us to tell us if this information is incorrect, or if it has changed. If you do not tell us about a change to

    something you have previously told us, the insurer will take this to mean that there is no change. To ensure you meet your duty,

    when you contact us to advise of any information that is incorrect or has changed, the updated information you give us must be

    truthful, accurate and complete. If you fail to meet your duty, the insurer may be able to cancel your contract or reduce the amount it

    will pay if you make a claim, or both. If your failure is fraudulent, the insurer may be able to refuse to pay a claim and treat the

    contract as if it never existed.

    Complaints

    1. If you have a complaint about a service provided to you please contact Benjamin & Benjamin Insurance Group and tell us about your complaint. Will do our best to resolve it quickly.
    2. If your complaint is not satisfactorily resolved within 21 Days, please contact Tracy Scarella the McLardy McShane Complaints Officer at tracy@mclardymcshane.com.au or put your complaint in writing and send it to the address noted on page 1 of this FSG. McLardy McShane Partners Pty Ltd will try to resolve your complaint quickly and fairly.
    3. McLardy McShane Partners Pty Ltd is a member of the Australian Financial Complaints Authority (AFCA). If your complaint cannot be resolved to your satisfaction by us, you have the right to refer the matter to the AFCA. AFCA provides fair and independent financial services complaint resolution that is free to customers. The AFCA can be contacted at:
    Australian Financial Complaints Authority (mainly address)
    GPO Box 3, Melbourne VIC 3001
    Ph - 1800 931 678 | Email - info@afca.org.au | Website - www.afca.org.au

    Average / Co-insurance (Applicable to Some Property Policies)

    It is most important that the Sum Insured you select is adequate to represent the value of the insured property and is calculated in accordance with the cover being arranged to minimise the risk of under-insurance. Also, in some cases your policy may contain Average / Co-insurance provisions which means you may be responsible for paying part of the loss you actually suffer.

     Cancellation Warning (Retention of Brokerage and Fees)

    If a cover is cancelled before expiry of the period of insurance, we reserve the right to refund to you only the net return premium we receive from the insurer, and not refund any part of the brokerage or fees we received for arranging the cover. A broker service fee may also be charged to process the cancellation.

     Cooling Off

    All Retail Products are subject to a “cooling off period” of a minimum of 14 days and details of this are contained in the PDS. During this time, if you are not happy with a Retail Product, you may withdraw from the new contract at no cost to you other than our broker’s fee, which is not refundable.

    Disclaimer

    This notice is a summary only (errors and omissions excepted) and does not purport to be a copy of the insurance underwriters’ policy or other documents. In case of any discrepancy, the underwriters’ documents will prevail.

    New Policies

    Notwithstanding the above, you may not be insured if you do not submit the relevant Proposal within 30 days from commencement of the risk unless an extension of time has been agreed with us in writing.

    The Information We Collect

    McLardy McShane Partners Pty Ltd maintains a record of your personal profile, including details of insurance policies that we arrange for you. McLardy McShane Partners Pty Ltd may also maintain records of any recommendations or advice given to you. McLardy McShane Partners Pty Ltd will retain this FSG and any other FSG given to you as well as any SOA or PDS that we give or pass on to you for the period required by law.
    McLardy McShane Partners Pty Ltd is and we are committed to implementing and promoting a privacy policy, which will ensure the privacy and security of your personal information. A copy of our privacy policy is available on request.
    If you wish to look at your file, please ask us and we will arrange for you to do so.

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