Personal Property

General Advice Warning

General advice means we have not taken into account your objectives, financial situation or needs.  Before acting on our recommendations, you should consider the appropriateness of our advice, in the light of your own objectives, financial situation or needs.

We recommend that you obtain and consider the Product Disclosure Statement for that product before making any decision

Home & Contents

How do you know if you are adequately insured for your home and contents?  It’s not much good waiting for your house to burn down to discover that the sum insured you thought  would rebuild your house won’t, or that you cannot replace the contents you had with the current models.  Knowing how to calculate your sum insured is so important.

Flood – Do YOU need this cover?  We are being made aware daily of the effects of climate change to our weather patterns and sea levels, flooding of low lying areas has become more frequent and development of large areas has made water run-off a concern.  Insurance policies for buildings and contents do not automatically cover flood, so it is important if your property is susceptible to a river, creek, canal, dam or watercourse breaking its banks, that you should consider taking out flood cover.

For more information contact us and let us take the worry out of your insurance needs.

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Landlords

Being a property owner can be financially rewarding provided you have the right insurance cover in place.  Not only is it important to cover your home, or the contents of your unit you are renting out against loss or damage, but what about your legal liability as a property owner?  What if your tenant damages the property or defaults on the rent?  Do you want to be left financially crippled?

We have the right polices to suit your special requirements.   

For more information contact us and let us take the worry out of your insurance needs.

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Caravan

Going on holidays can be so much fun.  But have you remembered to cover your caravan, not only while it is travelling on the road but also when you get to your favourite destination.   Fire and storm are but a couple of major disasters that can damage your caravan, annex and contents. 

Don’t go on your next holiday without making sure you have these areas covered.  

For more information contact us and let us take the worry out of your insurance needs.

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Car

We all know of someone who was driving along minding their own business, when they were suddenly involved in a car accident.  Sometimes its not our fault, but if you have not selected the right cover then you could find yourself footing the bill for the cost of repairs.  Who needs that?

Contact us for more information on the covers that best suit your requirements.

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CTP

For assistance with CTP Insurance download an appplication form today by simply clicking in the box below.

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 Boat

The water ways is a great way to spend your leisure time.  From fishing to skiing or just cruising around, having a boat can be fun for the whole family.   From small dingys to much larger cabin cruisers, catamarans and the like we can take the worry out of ensuring you have the right cover for the right type of vessel.

For more information on Boat Insurance Contact us.

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Travel

Going on an overseas holiday?  Saved all year for this trip? Have you remembered to take out travel insurance? “ Why, I’m fit and healthy, and anyway it’s expensive?”.  Count the cost to your savings if you happen to get sick or injured in a foreign country and you have no travel insurance.  America is a classic example of medical costs sky-rocketing and out of reach of the ordinary person.

As part of the AIMS network we now have available retail travel insurance through SureSave.  By accessing the link below you simply locate the travel that applies to you, complete the details and pay for the insurance.  You will then be able to download your policy certficate.  The site also includes the Product Disclosure Statement which we recommend you read thoroughly to ensure the cover is correct for you, as well as other documents you may need.

SureSave Retail Travel Link

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Residential Strata

A residential strata policy is a specifically designed policy to cover buildings where individual owners own a part of that building ie Unit in a high rise building.  When taking out this policy, common contents owned by the body corporate is included under the building section.  Other sections under this policy that need to be considered include:  Legal Liability, Officer Bearers Liability, Personal Accident (Voluntary Workers), Fidelity Guarantee and in some states Workers Compensation.

Contact us for more information on the covers your strata titled building needs.

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Claims

We have a dedicated claims team with years of experience to help you through what can be a difficult and traumatic experience.

In most cases personal property claims do not require a claim form, and advising us of the details is all that is required to lodge a claim.  For commercial claims however, this is not necessarily the case, and choosing the right claim form can be confusing.

We ask that all claims come through our office so we are able to provide advice and assistance from the initial contact, monitor the progress of your claim and ensure your interests are being protected until the claim is finalised.

You may contact us by phone to report a claim or simply use the Enquiry Form to have one of our team contact you.

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