AFSG

Online Application

AFSG Business Insurances Online Application

Your Application Progress

Declaration

Duty of Disclosure What you must tell us

Under the Insurance Contracts Act 1984 (the Act), you have a Duty of Disclosure. You are required before you enter into, renew, vary, extend or reinstate your Policy, to tell us everything you know and that a reasonable person in the circumstances could be expected to know, is a matter that is relevant to our decision whether to insure you, and anyone else to be insured under the Policy, and if so, on what terms. You do not have to tell us about any matter:
  • That diminishes the risk
  • That is of common knowledge
  • That we know or should know in the ordinary course of our business as an insurer, or which we indicate we do not want to know
If you do not comply with your Duty of Disclosure we may reduce or refuse to pay a claim or cancel your Policy. If your non-disclosure is fraudulent we may treat this Policy as never having worked.

Claims Made Policy

This declaration is for claims made and notified Policy of insurance. This means that the Policy covers you for claims made against you and notified to the insurer during the period of cover. This Policy does not provide cover in relation to:
  • Claims made after the expiry of the period of cover even though the event giving rise to the claim may have occurred during the period of cover
  • Claims notified or arising out of facts or circumstances notified (or which ought reasonably to have been notified) under any previous Policy
  • Claims made, threatened or intimated against you prior to the commencement of the period of cover facts or circumstances of which you first became aware prior to the period of cover, and which you knew or ought reasonably to have known had the potential to give rise to a claim under this Policy
  • Claims arising out of circumstances noted on the Proposal form for the current period of cover or on any previous Proposal form.

Where you give notice in writing to the insurer or any facts that might give rise to a claim against you as soon as reasonably practicable after you become aware of those facts but before the expire of the period of cover, you may have rights under Section 40(3) of the Insurance Contracts Act 1984 to be indemnified in respect of any claim subsequently made against you arising from those facts notwithstanding that the claim is made after the expiry of the period of cover. Any such rights arise under the legislation only. The terms of the Policy and the effect of the Policy is that you are not covered for claims made against you after the expiry of the period of cover.

By clicking the Next button below you acknowledge:

  • You are authorised by each of the other Applicants to make this Application
  • The contents of this Application are true and complete
  • You are under a continuing obligation to immediately inform the insurer of any change in the particulars or statements contained in this Application or in the accompanying documents up until the contract is entered into
  • You authorise the Insurer to give or obtain from other insurers or insurance reference bureaus or credit reporting agencies, any information about this insurance or any other insurance held by the Applicant/s
Your Application Progress

Business Details




Yes No
Your Application Progress

Professional Details

The Insurer is insuring your professional ability to do your job. They need to understand exactly what you do. Detail what your job entails and to what industries you perform your work.

Yes No
Your Application Progress

Previous Insurance

Yes No
$
Your Application Progress

Quote Required

Please nominate the amount of cover you require

Your Application Progress

Manual Risk Exposure

If you are seeking Public Liability as well, this section needs to be completed. Otherwise click Next to skip to the next section.

Does your business involve any of the following?

  1. Manual labour or manual tasks performed by yourself (apart from measuring)
  2. The supervision of manual labour or manual tasks performed by other parties or
  3. The responsibility of manual labour or manual tasks performed by other parties.
  4. The training of others on how to perform manual tasks
Yes No
Your Application Progress

Underwriting Questions

Gross Fees last 12 months

$
$
$

Estimated Fees next 12 months

$
$
$

 

Please state the percentage of Your activities (based on income) applicable to each State

%
%
%
%
%
%
%
%
%
%
Your Application Progress

Contractors

No Yes No Yes No Yes

 

Your Application Progress

Insured's History

No Yes No Yes

 

Have you (or any person receiving cover under this policy) ever:

No Yes No Yes No Yes No Yes No Yes No Yes No Yes No Yes

 

Your Application Progress

Congratulations!

You have reached the end of the AFSG Online Application!

Thank you for taking the time to complete the online application! You are now well on your way to obtaining approved business insurance!

Click Submit to send the completed application. Upon receipt, an insurance specialist will contact with you within 1 business day.