Terms and Conditions
Welcome to the A.I.S. Insurance Brokers Pty Ltd website. This website is made available to provide visitors with information and material about AIS’ products and services.
Terms and Conditions
B. Use of this website
A.I.S. Insurance Brokers Pty Ltd are not responsible in any manner for direct, indirect, special or consequential damages, however caused, arising out of your use of this website, web pages, links and/or any web browser, including any damages you may suffer if you transmit confidential or sensitive information to us via our website or linked websites or if we communicate such information to you at your request over the Internet. Links to other websites from this website are for convenience only. No endorsement of any third party products, services or information is expressed or implied by any information, material or content referred to or included on, or linked from or to this website.
C. Website material not broker or risk manager advice
Your use of this website or the receipt of any information from us on this website is not intended to create nor does it create a broker relationship between you and A.I.S. The content, including links to other sites and publications, on this website is not intended to constitute comprehensive insurance advice. You should seek individual advice or other professional advice before acting or relying on the content on this website.
D. Accuracy of information
The information and materials on this website, including text, graphics, links or other terms are accurate at the time of publication on this site. AIS do not warrant the accuracy, adequacy or completeness of this information and materials and expressly disclaims liability for errors or omissions in this information and materials. Except as may be required under law, no warranty of any kind implied or express, including but not limited to the warranties of non-infringement of third party rights, title in or fitness for a particular purpose is given.
The information and material on this website is for informational purposes only and is not intended to provide insurance, or other advice and should not be relied upon in that regard.
E. Disclaimer of liability
A.I.S. Insurance Brokers Pty Ltd makes no warranties or representations about this website or its content. To the maximum extent permitted by law, any liability which may arise as a result of the use of this website, its content or the information on it is excluded. Where liability cannot be excluded, any liability incurred by A.I.S. Insurance Brokers Pty Ltd in relation to the use of this website or the content is limited as provided under the Trade Practices Act 1974. A.I.S. Insurance Brokers Pty Ltd will not be liable for any indirect, incidental, special or consequential loss arising out of the use of this website, including loss of business profits.
While all care is taken to keep the website free of viruses, A.I.S. Insurance Brokers Pty Ltd make no warranty and disclaim any liability for any loss or damage arising whatsoever concerning the presence of viruses that may exist or later populate the website, any web pages, links or web browsers.
Complaints and Disputes
A.I.S Insurance Brokers Pty Ltd is committed to the fair, transparent and timely resolution of any disputes.
In respect to claims for our services we subscribe to the NIBA Code of Conduct and to the General Insurance Code of Practice. A.I.S Insurance Brokers has a detailed internal dispute resolution process in accordance with the guidelines in those Codes and Section 912A (1) of the Corporations Act 2001.
This process deals with all complaints and disputes in relation to our services to AIS clients, but does not have jurisdiction over matters concerning insurer’s decisions about coverage or claims. Any complaints or disputes involving insurers need to be referred to their own dispute resolution process and we can provide details if required.
As part of our commitment we subscribe to Financial Ombudsman Service Limited, an external dispute resolution service which is accessible to clients free of charge in the event that they believe a complaint has not been satisfactorily dealt with by us.
Please contact us if you have any complaints about our services.
The following is our complaints process:
Step 1 – Contact our Complaints Officer
A.I.S Insurance Brokers Pty Ltd
P.O. Box 7660
Melbourne VIC 3004
Telephone: 03 8699 8888
Facsimile: 03 8699 8899
If your complaint cannot be resolved to your satisfaction within 20 days, you have the right to refer the matter to Financial Ombudsman Service Limited (FOS). They may be contacted at:
Step 2 – Contact the Financial Ombudsman Service Limited
Level 12, 717 Bourke Street
Docklands Vic 3000
Telephone: 1300 780 808 or 03 9613 7366
Facsimile: 03 9613 6399
A complaint form is also available at the Financial Ombudsman Service website. If you require further information about any of these procedures please contact our office during business hours.
In respect to complaints and disputes in relation to Insurance Policies or Policies arranged under Binding Authorities these have their own dispute resolution procedures which can be found in the appropriate Policy Wording or Product Disclosure Statement on our website under the applicable class of insurance.
Your Duty of Disclosure
Before You enter into the Policy with Us, the Insurance Contracts Act 1984 requires You to disclose to Us every matter that You know or could reasonably be expected to know is relevant to Our decision whether and on what terms Your application for insurance is acceptable and to calculate how much premium is required for Your insurance.
You have the same duty to disclose those matters to Us before You renew, extend, vary or reinstate the Policy.
The duty applies until the Policy is entered into, or where relevant, renewed, extended, varied or reinstated (Relevant Time). If anything changes between the time You provide answers or make disclosure and the Relevant Time, You need to tell Us.
What You do not need to tell Us
You do not need to tell Us about any matter:
- that diminishes Our risk;
- that is of common knowledge;
- that We know or should know as an insurer; or
- that We tell You We do not need to know.
Who does the duty apply to?
The Duty of Disclosure applies to You and everyone that is an insured under the Policy. If You provide information for another insured, it is as if they provided it to Us.
What happens if the Duty of Disclosure is not complied with?
If the duty of disclosure is not complied with We may cancel the Policy and/or reduce the amount We pay if You make a claim. If fraud is involved, We may treat the Policy as if it never existed, and pay nothing.