GSA


Training Consultants Proposal Form :

Brooklyn Underwriting Pty Limited (ABN 11 123 406 922) (ARN 311687), an Authorised Representative of General Security Australia Insurance Brokers Pty Limited (ABN 34 087 437 196) arranges the insurance. Vero Insurance Limited (ABN 48 005 297 807) issues the insurance.

Important Facts Relating to this Proposal Form

You should read the following advice before proceeding to complete this proposal form.

Duty of Disclosure

Brooklyn Underwriting Pty Limited (ABN 11 123 406 922) (ARN 311687), an Authorised Representative of General Security Australia Insurance Brokers Pty Limited (ABN 34 087 437 196) arranges the insurance. Vero Insurance Limited (ABN 48 005 297 807) issues the insurance.

Your duty however does not require disclosure of any matter:
That diminishes the risk to be undertaken by the insurer That diminishes the risk to be undertaken by the insurer That is of common knowledge That your insurer knows or, in the ordinary course of this business, ought to know As to which compliance with your duty is waived by the insurer.

Claims Made and Notified Basis of Coverage

The professional Indemnity Insurance Policy is issued on a ‘Claims made and notified’ basis.
a) Claims first made against you during the policy period and notified to the insurer during the policy period, provided that you were not aware at any time prior to the policy inception of circumstances which would have put a reasonable person in your position on notice that a claim may be made against him/her; and b) Written notification of facts pursuant to Section 40(3) of the Insurance Contracts Act 1984. The facts that you may decide to notify, are those which might give rise to a claim against you. Such notification must be given as soon as reasonably practicable after you become aware of the facts and prior to policy’s period of cover has expired. If you give written notification of facts the policy will respond even though a claim arising from those facts is made against you after the policy has expired. For your information, S40(3) of the Insurance Contracts Act 1984 is set out below; “S40 (3) Where the insured gave notice in writing to the insurer of facts that might give rise to claim against the insured as soon as was reasonably practicable after the insured became aware of those facts but before the insurance cover provided by the contract expired, the insurer is relieved of liability under the contract in respect of the claim when claim when made by reason only that it was made after the expiration of the period of insurance cover provided by the contract.”

When the policy period expires, no new notification of facts can be made on expired policy even though the event giving rise to the claim against you may have occurred during the policy period.

You will not be entitled to indemnity under your new policy in respect of any claim resulting from an act, error or omission occurring or committed by you prior to the retroactive date, where one is specified in the policy terms offered to you.

Retroactive Date

You will not be entitled to indemnity under your new policy in respect of any claim resulting from an act, error or omission occurring or committed by you prior to the retroactive date, where one is specified in the policy terms offered to you.

Subrogation Waiver

Our policy contains a provision that has the effect of excluding or limiting our liability in respect of a liability incurred solely by reason of the insured entering into a deed or agreement excluding, limiting or delaying the legal rights or of recovery against another.

Privacy Statement

Vero is a member of the Suncorp Group. The Privacy Act 1988 (Cth) requires us to inform you that:

Purpose of collection

Personal information is information about an identifiable individual and includes facts or an opinion about you which identifies you or by which your identity can be reasonably determined. The collection of your personal information is essential to enable us to conduct our business of offering and providing you with our range of financial products and services.

We collect personal information for the purposes of:

identifying you when you do business with us protecting your personal information from unauthorised access establishing your requirements and providing the appropriate product or service including evaluating your application for insurance and any request for amendment to any insurance provided setting up, issuing, administering and managing the insurance following acceptance of an application assessing and investigating, and if covered, managing a claim made in relation to any insurance you have with us or other companies within the Suncorp Group understanding your needs and improving our financial products and services, including training and developing our staff and representatives.

Consequences if personal information is not provided

If we request personal information about you and you do not provide it, we may not be able to provide you with the insurance product you request, manage or pay any claim under an insurance policy or provide you with the full range of services we offer.

Disclosure

We use and disclose your personal information for the purposes we collected it.

We may also use and disclose your personal information for a secondary purpose related to the purpose for which we collected it, where you would reasonably expect us to use or disclose your personal information for that secondary purpose. In the case of sensitive information, any secondary purpose, use or disclosure will be directly related to the purpose of collection.

When necessary and in connection with purposes listed above, we may disclose your personal information to and/or collect your personal information from:
other companies within the Suncorp group where required or authorised under our relationship with our joint venture companies information technology providers, including hardware and software vendors and consultants such as programmers setting up, issuing, administering and managing the insurance following acceptance of an application customer research organisations intermediaries including your agent, adviser, a broker, a representative acting on your behalf, other Australian Financial Services Licensee or our authorised representatives and our agents accounting or finance specialists government, law enforcement or statutory bodies other insurers, reinsurers, financial institutions, insurance and claims reference agencies, credit agencies, loss assessors, financiers or investigative service providers hospitals, medical and health professionals legal and other professional advisers printers and mail service and delivery providers for the mailing of statements, insurance policy documents and marketing material imaging and document management services

Disclosure overseas

There are also instances where we may have to send your personal information overseas or collect personal information from overseas. These instances include:

sending your personal information to companies in the Suncorp group when you have asked us to do so when we are authorised or required by law to do so when we have outsourced a business activity or function to an overseas service provider with whom we have a contractual arrangement certain electronic transactions when it is necessary in order to facilitate a transaction on your behalf

We will only send your personal information overseas or collect personal information about you from overseas for the purposes in this statement and in compliance with the privacy regime.

Access

You can request access to the personal information we hold about you by contacting us.

In some circumstances, we are able to deny your request for access to personal information. If we deny your request for access, we will tell you why.

In some circumstances, we are able to deny your request for access to personal information. If we deny your request for access, we will tell you why.

Marketing

We would like to use and disclose your personal information to keep you up-to-date with the range of products and services available from Suncorp. Generally, our companies in the Suncorp group will use and disclose your personal information for Suncorp’s marketing purposes.

If you do not want us to use and disclose your personal information for the purpose of marketing products and services to you, you should contact us and tell us.

Contact

Please contact us to:
change your mind at any time about receiving marketing materia request access to the personal information we hold about you obtain more information about our privacy practices by asking for a copy of our Privacy Policy

Our Privacy Policy can also be found on our website at www.vero.com.au

Guidelines to help you complete this Proposal Form
Failure to disclose all material information that is likely to influence the acceptance of the risk or the terms applied could invalidate the insurance. If you are in any doubt as to whether any information is material, it should be disclosed. Where the space provided is insufficient for your replies, please provide these separately and attach to this Proposal Form. Reference to the Proposer in this Proposal Form means: The entity and all subsidiary entities for whom cover is required The past and/or present employees or principals of the entity The director of the entity and all subsidiary entities for whom cover is required.