Win a Truckload of Cash Competition – Terms and Conditions
Win a Truckload of Cash Competition – Terms and Conditions Instructions on how to enter and other details contained within promotional advertisements for this competition form part of the conditions of entry. By entering the competition, entrants agree to abide by these Terms and Conditions. The Terms and Conditions of this competition are governed by […]
Home safety tips
Home safety tips Your home is full of memories and valuables that mean a lot to you. And you’d like it to stay that way. Did you know? 446,400 Australian households were the victims of at least one break-in or attempted break-in in 2011/12. Source: Australian Bureau of Statistics Here are some of the ways you […]
Are you covered for flood?
Are you covered for flood? It is a sad fact that we usually don’t really know what our insurance policy covers until something happens. By then of course, it’s too late. When you are arranging your insurance, unless you ask the question, you may not know whether you are covered for flood or not. And if you simply ask, “Am I covered for flood?” […]
Bushfire safety tips
Bushfire safety tips One of the great things about Australia is our native bushland. But living near the bush can also expose you to threat of bushfires – particularly in the warmer months. Did you know? Up to 50% of bushfires in Australia are deliberately lit or start in suspicious circumstances. Source: Australian Government Bushfire […]
Win a night away Competition – Terms and Conditions
Win a night away Competition – Terms and Conditions Instructions on how to enter and other details contained within promotional advertisements for this competition form part of the conditions of entry. By entering the competition, entrants agree to abide by these Terms and Conditions. The Terms and Conditions of this competition are governed by the […]
Business Insurance trap – Rented premises
Rented premises If your business uses rented premises there are some insurance traps you should be aware of. Glass: Most commercial leases will require the tenant to insure any glass windows. The reason for this is different business activities pose different degrees of risk of glass to being smashed. For instance, a tobacconist or a […]
Business Insurance trap – Reinstatement
Reinstatement The majority of home and contents policies have automatic reinstatement of the insured amount. This means that if your home is damaged or your contents burgled, after the claim has been paid, the original amount of insurance cover is reinstated back on your policy. That is not necessarily the case with business insurance. As […]
Underinsurance Risks
Under insurance – a common phenomenon Underinsurance is a very common phenomenon. After every significant flood or bush fire, the press is full of stories about people either not being insured or being underinsured. Eventually the subject dies till the next disaster strikes. If you can’t afford to lose something, insure it and if you […]
Embargoes – Don’t leave it too late!
Areas threatened by a natural disaster such as a bush fire or flood, will have embargoes placed upon them by insurance companies. This means that if you want to increase your existing insurance or place cover on an uninsured property, the increase or the new cover will not be effective until the end of the embargo […]
Understanding Public Liability
Public Liability Insurance This is a big subject and one which cannot be covered in these few paragraphs. What I have attempted to do is simplify the subject and dispel some of the myths. The disclaimer. The topic is provided more for interest rather than education, do not rely on any interpretation of this information […]