duty of disclosure - travel insurance policies Only
Before you enter into this policy with us, the Insurance Contracts Act 1984 (Cth) requires you to provide us with the information we need to enable us to decide whether and on what terms your proposal for insurance is acceptable and to calculate how much premium is required for your policy.

You will be asked verious questions when you first apply for your policy. When you answer these questions, you must:
  • give us honest and complete answers;
  • tell us everything you know; and
  • tell us everything that a reasonable person in the circumstances could be expected to tell us.
If you vary, extend, reinstate or replace the policy your duty is to tell us before that time, every matter known to you which:
  • you know; or
  • a reasonable person in the circumstances could be expected to know, is relevant to our decision whether to insure you and whether any special conditions need to apply to your policy.
You do not need to tell us about any matter that:
  • diminishes our risk;
  • is of common knowledge;
  • we know or should know as an Insurer; or
  • we tell you we do not need to know.
Who does the duty apply to?
  • Everyone who is insured under the policy must comply with the relevant duty.
What happens if you or they breach the Duty?
  • If you or they do not comply with the relevant duty, we may cancel the policy 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.
 
Worldcare
As a market leader, Worldcare Travel Insurance offers you total in-house service from arranging your insurance to paying your claim. This flexibility and knowledge enables us to innovate and let you design your own policy!
Worldcare Travel Insurance
Allianz Global Assistance
Allianz Global Assistance Australia is a leading provider of travel insurance & student health cover, as well as roadside & property assistance. Around the clock, around the world, we're always ready to help you - whatever it takes.
Allianz Global Assistance
Allianz
The Allianz Group is one of the largest and most renowned insurance and financial services providers in the world.
Representing an international network of strong brands with first class products, Allianz brings together the expertise of specialists in property and casualty insurance, life and health insurance, asset management and banking.
Allianz
 
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