MyMarket products and services are provided by Arthur J. Gallagher & Co (Aus) Limited ('Gallagher'). The Gallagher Financial Services Guide provides information on the services Gallagher provides and the remuneration that it receives in respect of those services.
Gallagher recognises the importance of your privacy and is committed to complying with Australian Privacy Principles contained in the Privacy Act 1988 (Cth).
The Gallagher Privacy Policy sets out our processes on the management of personal information, including how we collect personal information, the purposes for which we use this information and to whom this information is disclosed.
To the extent that any material on this page may be considered advice, it does not take into account any of your personal objectives, your needs or your financial situation.
You should consider whether the product presented and the level of cover requested are appropriate for you and review all relevant materials - including the policy schedule and wording provided - before deciding to take out the insurance policy.
@ 2023 Arthur J. Gallagher
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Binder Authority
Please note that in effecting this insurance, we are acting under an authority given to us by AIG to effect the insurance, and as such, we will be acting as an agent of the Insurer and not as your agent. You will need to determine the appropriateness of this insurance to cover your needs.
Your Duty of Disclosure
Before you enter into an insurance contract which is not a consumer insurance contract, you have a duty under the Insurance Contracts Act 1984 to tell your insurer anything that you know, or could reasonably be expected to know, may affect the insurer’s decision to insure you and on what terms.
You have this duty until the insurer agrees to insure you.
You have the same duty before you renew, extend, vary or reinstate an insurance contract.
At renewal, the insurer may ask you to advise it of any changes to something you have previously disclosed, or may give you a copy of the information you previously disclosed and ask you to advise the insurer if there has been a change. If you do not tell the insurer about a change, you will be taken to have told the insurer there is no change.
You do not need to tell the insurer anything that
If you do not tell the insurer anything you are required to, the insurer may cancel your contract or reduce the amount it will pay you if you make a claim, or both.
If your failure to tell the insurer is fraudulent, the insurer may refuse to pay a claim and treat the contract as if it never existed.
If you are in doubt about whether or not a particular matter should be disclosed, please contact your Gallagher broker.
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