As our name suggests we provide creative insurance solutions.

Insured Creativity works in the custom market.

We offer our target business sectors true innovation and a solutions-based approach to speciality and bespoke insurance products on a Retail and Wholesale basis.

Personal Guarantee Insurance
Under the Insurance brand, Personal Guarantee Insurance Australia (PGIA), we offer the Business Owner Insurance coverage to protect their personal assets being sold by a lender due to the business defaulting on a loan. Any individual, being a Company Director, Shareholder or Sole Trader who has provided Personal Guarantees to Lenders, Landlords and/or Creditors.

PG Insurance can be secured on all new Personal Guarantees, Multiple Guarantees and Legacy Guarantees.
(For more detail please click the PGIA logo. This will take you to the dedicated PGIA web site.)

Credit Enhancement / Financial Guarantee Surety Bonds
Credit Enhancement Surety Bonds seek to deliver a more efficient funding package for Corporate Borrower’s by providing certain assurances to the Funder if the Borrower defaults against its loan.

A Credit Enhancement / Financial Guarantee Surety Bond is used by Corporate Borrower’s to access Working capital and Asset-based finance.

The Surety Bond offers more certainty to the funder with respect to realisation outcomes against collateral pledged. With credit enhancement, the Borrower can benefit from higher collateral leverage, a longer loan term, interest only period, lower amortisation profiles or improved risk pricing offered by the funder.

Surety bonds carry an identical wording to a bank guarantee, following the Australian Standards AS2124 which is an unconditional and on-demand undertaking.
They also carry exactly the same obligations at law as a bank guarantee.

A Surety Bond is a promise by a Surety Insurer or guarantor to pay one party (the Obligee) a certain amount if a second party (the Principal) fails to meet some obligation, such as fulfilling the terms of a contract. The Surety Insurance bond protects the Obligee against losses resulting from the Principal's failure to meet the obligation.

A Surety Insurance Bond is defined as a contract among at least three parties:-
  •  the Obligee: the party who is the recipient of an obligation (Lender)
  •  the Principal: the primary party who will perform the contractual obligation (The Borrower.)
  •  the Surety Insurer: who assures the Obligee that the Principal can perform the task (The Surety Provider.)
Download an Application Form (PDF)

Landlords Lease Guarantee Bonds
Lease bonds are an alternative to bank guarantees for commercial lease agreements and are worded identically to a bank guarantee; they have the same wording and are an unconditional, irrevocable, pay on demand undertaking.
Lease bonds are used to secure a commercial lease agreement and are worded identically to a bank guarantee. That is they are unconditional, irrevocable and payable on demand undertakings, and carry exactly the same obligations at law as a bank guarantee.

Lease bonds free up the cash collateral that is to be provided by the lessee in order to obtain a bank guarantee; the lessee’s working capital is improved by retaining valuable cash reserves. No tangible securities are required from the lessee. In order to qualify they will undergo a credit check, and once approved pay an annual premium.

It serves as security for the tenant’s full and complete performance of the terms of its commercial lease.

Do you have funds unnecessarily tied up supporting cash backed Bank guarantees?

Release these funds and make them available to grow your business.

Use a Landlord Lease Bond issued by APRA approved A+ or better Rated Australian Insurers.

Landlord Lease Surety Bonds can be used as an alternative to Cash backed Bank Guarantees for Land Lord deposits

Get those funds back and working for your business!

Performance Surety Bonds
Insured Creativity can provide and advise on the following types of Performance Surety Bonds:-

Bid Bond
A bid bond provides a guarantee that a winning bidder will take up the contract as per the terms at which they bid. A bid bond ensures compensation to the bond owner if the bidder fails to begin a project. Bid bonds are often used in construction jobs or other projects that follow a similar bid-based selection process.

Performance / Contract Bond
Contract bonds are primarily used in the construction and infrastructure sectors to cover performance obligations, as a flexible alternative to bank guarantees or retention funds. These surety Bonds provide security to the beneficiary against contractor non-performance or default, and supports contractor obligations during the contract period.

Advance Payment Bonds
Secures the beneficiary’s position on funds advanced to the contractor for capital purchases or site preparation.

Retention Release Bonds
Provide security to the beneficiary when the contractor is advanced funds from the retention fund.

Maintenance Bonds
Secures contractor’s post-completion obligations during the warranty or latent defects period, usually 3-12 months post-completion.

Off-Site Material Bonds
If goods or materials are held off site and paid for by the beneficiary, the bond responds if the goods or materials are not available when required for use in the contract.

Petro Bonds
Petroleum Bonds ("PetroBonds") provide retail and wholesale petroleum dealers with an alternative form of contractual security to bank guarantees. Traditional security deposits such as bank guarantees and or charges over real estate assets incur an ongoing opportunity cost on a Dealers balance sheet for the life of the petroleum supply agreement. PetroBonds are provided on an unsecured basis and as such Dealers are free to utilise their cash and or real estate assets as they see fit. PetroBonds incur no ongoing opportunity costs on working capital. PetroBonds are a simple, cost effective means of meeting a Dealers financial security obligation to their wet stock suppliers.

Download an Application Form (PDF)
Download the Petro Bonds Checklist (PDF)

Application Process
Surety Bonders have a detailed and methodical approach to underwriting surety bonds.
Key factors in this process include:
  •  A well-developed business.
  •  A solid track record.
  •  Evidence of professional financial and operational management.
  •  Demonstrated capital retention within business.
  •  Technical ability to deliver on all contractual requirements.
  •  Control over exposure to existing projects.

Clear documentation of these factors, as itemised in our application documents, will ensure that bond facilities are approved in a timely fashion.

As a quick guide, a bond facility is suitable for firms meeting these criteria:
  •  Company must turn over at least $10 Million per annum to be considered. (Bid & Performance bonds)
  •  Must have a minimum net tangible worth of $1 Million. (Bid & Performance bonds)
  •  Positive cash flow.
  •  Positive working capital.
  •  At least 2 years of continuous profitability.
  •  Operating for at least 3 years.

The Surety Bonder(s) (insurer) of the above products are deemed to be a Foreign Insurer and not Regulated by the Australia Prudential Regulatory Authority. (APRA).

What is an Unauthorised Foreign Insurer?
An ‘Unauthorised Foreign Insurer’ is the term generally used for an insurer who carries on a general insurance business outside Australia.
They are able to offer insurance in Australia, however, they are not regulated by the Australian Prudential Regulation Authority (APRA).
They are regulated by the Home Financial Regulator.

Exemptions allowing an Unauthorised Foreign Insurer to accept business in Australia.
The Regulation exemptions impact on an Unauthorised Foreign Insurer conducting insurance business in Australia and to AFS licensees and authorised representatives placing insurance with an Unauthorised Foreign Insurer.
There are four separate categories of exemption, namely:
  • High-value insured.
  • Atypical risk.
  • Insurance contracts required by foreign law.
  • Customised.
Surety Bonds are deemed to be either Atypical risk or Customised category exempt.

Applicable Law
The Policy is governed by the law in force in the Australian State or Territory in which this Policy is issued. All matters arising out of or relating to the construction or operation of the provisions of this Policy shall be submitted to the exclusive jurisdiction of the courts exercising jurisdiction under the law of that State or Territory.

Weather Risks
The weather can really ruin your day. Rain / No Rain, Wind / No Wind, Snow / No Snow... You just cannot win!
Let our unique weather related insurance policies help take that uncertainty out of the weather that can affect your business.

Event weather insurance covers you against defined weather conditions that result in a reduction of revenue from ticket sales, merchandise, or food & drink trade. It can also protect you against increased costs of site preparation ahead of an event opening.

Film and TV:
Film & TV weather insurance protects your budget against conditions that result in the need to reschedule filming, leading to significant additional costs.

Cost Containment:
Cost Containment insurance is designed to limit additional costs incurred from unseasonal weather conditions.
Typical scenarios include increased snow removal expenses in an unexpectedly harsh winter, or the added cost of making snow so as your ski field can operate in a low snow fall season, or added air conditioning expenditure over a hot, prolonged summer.

Income Stabilisation:
Income Stabilisation insurance is simplified business interruption cover. It can be tied solely to those critical periods in a year that drive revenue.
In the event of abnormal weather conditions occurring at these times, we would pay an agreed-upon amount per day, week, month, or season to offset the shortfall.
As an example, coverage could be provided to the renewable energy sector to cater to the following scenarios:
  -  a Hydro electric power plant is unable to generate any power due to low water volume caused by a drought.
  -  a Solar Electric plant is unable to produce electricity due to unseasonably low amounts of sunshine
  -  a Wind Turbine farm cannot operate due to low volumes of wind.

Promotion weather insurance permits buyers to offer full, or partial refunds to consumers on items purchased during an agreed promotional period, if a defined weather peril occurs during the period agreed at a specified location.
  •  Tourism and Hospitality.
  •  Sport and Leisure.
  •  Retail.
  •  Events.
  •  Film and TV.
  •  Energy.
  •  Agriculture.
  •  Construction.

Entertainment and Associated Risks
In conjunction with our Hong Kong speciality insurance brokerage, Entertainment Insurance Brokers (HK) Limited, Insured Creativity can offer various insurance solutions for:-
  •  Event Cancellation, Abandonment, Public Liability for the Entertainment sector including Concerts, Theatre Productions, Sporting Events, Conferences, Conventions
      and Exhibitions.
  •  Film and TV sector; including Feature Films, Television Commercials, TV productions, Documentaries and Corporate Promotional videos.
  •  Insurance covering Musical Equipment, PA equipment, Cameras, Lenses, Lights, Electronic equipment against loss or damage.
  •  Prize and Promotional insurance.
  •  Broadcasters Indemnity insurance including loss of revenue for a Pay per View event due to transmission interruption.

Something else in mind?
Insured Creativity is a wholesale Insurance brokerage.
We have access to hundreds of diverse insurance markets around the world.
If you are having difficulties in placing a risk, or have an idea for a new product, we can assist you with finding a solution.

Our latest product offering:
Covid 19 Relapse Insurance.

In recent months, working with our USA-based Insurance partner, we have created the new “Elite Outbreak insurance program for Pandemics“ that specifically includes coverage for a COVID19 Relapse.

As our States and the Country start taking the first steps to reopen our economy, we understand the trepidation business owners are feeling.

With questions that go from “When am I going to reopen?” to “What will happen to my business if I reopen and have to shut down either due to a COVID19 contamination, or another Pandemic Regulatory or Civil authority shutdown by local, state or federal government?” or “How can I have confidence that my Vendors will provide me with the supplies I order and pay for?”
The above, are all great questions, and quite frankly, our new reality.

Elite Pandemic Outbreak insurance (including Covid Relapse model) can embrace each client’s unique insurance needs. Our policies can have coverage included for the following due to a Pandemic and specifically a COVID19 Relapse:
Business Interruption, Cast Coverage, Receivables due to bankruptcy of Buyers, Regulatory Change and Civil Authority, Supply Chain Disruption, Reputation Repair or Brand Rehabilitation.

Our policy is best suited for the following industries with multiple locations, and with coverage being triggered by meeting state and local government compliance:
Bars, Distribution, Entertainment, Film, TV and Content Providers, Gyms, Hospitality, Manufacturing, Real Estate, Restaurants, and Retail.
Managing Director – Jeffrey R. J. McNally  A.N.Z.I.I.F. (FELLOW) C.I.P. B.BUS(INS). DIP. FIN SERVICES (GI)
Jeff commenced his Insurance career in 1978 and established his first Insurance Brokerage business in Melbourne in 1983.
From the outset Jeff’s specialty area has been the Entertainment Insurance sector.
In 1993 Jeff established an insurance consultancy based in Singapore offering consultancy services including product development, marketing and training for both Insurance companies and Insurance brokerages in Singapore, Indonesia, Malaysia , Philippines and Thailand.
In early 1994, Jeff set up Entertainment Insurance Brokers (EIB) in Hong Kong, targeting Event organisers, Concert promoters, Film and TV producers.
EIB is licenced by the Insurance Authority of Hong Kong and has grown to be one of the leading speciality entertainment insurance brokers in South East Asia.
Throughout this time Jeff has built a reputation as a specialist provider of insurance solutions for a wide range of clients and industry sectors.
Jeff has worked extensively throughout Asia, Australia, New Zealand, USA and the United Kingdom.
Between 1999 to 2003, Jeff established and guided INSMART, an early adapter in the Insurtech sector.
From 2005 to 2011, Jeff established and ran Western Pacific Insurance in New Zealand. Western Pacific offered general insurance and speciality lines to regional and SME broking businesses. Western Pacific also established one of the first full service online Insurance portals, whereby allowing a client to obtain a quote, bind cover, pay premiums and receive their policy document 100% electronically.
From 2005 to 2011, Jeff acted as the Responsible Manager for Dominion Underwriting Agents in Australia.
From 2015 to 2021, Jeff acted as the Responsible Manager of specialty Trade Credit Insurance brokerage, Trade Credit Risk Pty Limited.
In January 2019, Jeff was introduced to Peter Grigg and they both agreed that there was an opportunity for the development and introduction of the Personal Guarantee Insurance and the Credit Enhancement products into the Australian market.
Jeff is the ASIC approved Responsible Manager for Insured Creativity Pty Limited.
Principal Distributor, Personal Guarantee Insurance – Peter Grigg  DIP. FIN PLANNING. DIP. FIN SERVICES (INS BROKING)
In March 1983 Peter commenced his own business where he trained and worked in financial planning.
He completed his Investment & Management and Certificate in Personal Insurance & Investment in 1988.
After completing the Diploma of Financial Services 1990 he followed on with the Life Insurance Code of Practice in 1991 and Life Insurance upgrades in 2013 & 2018.
In early 2007 he was engaged to manage and market a Joint Venture between ING Life and QBE General Insurance promoting and developing a Life Risk Insurance division within the General Insurance Broker’s business.
From 2010 to 2015 Peter was Millennium3 Financial Services State Development Manager Victoria where he managed 55 Life Risk & Superannuation Advisers and Financial Planners, assisting them with business development, sales training, marketing, promotion and industry compliance.
Peter left Millennium3 in June 2015 to become Head of Life Risk at Thomas Price, a boutique Licensed dealer group.
Since early 2019, Peter has been working with Jeff to develop the Personal Guarantee Insurance and the Credit Enhancement Surety Bond product.
Peter represented Australia in Rugby where he played 25 tests with the Wallabies.
Jeffrey McNally
T: +(61) 0412 139 588
Peter Grigg
T: +(61) 0418 981 567
Office Address: 1st Floor, 454 Collins Street, Melbourne, Victoria, 3000
Postal Address: PO Box 12100, Middle Camberwell, Victoria, 3124
A.B.N Number: 45 634 757 305
A.F.S.L Number: 51 7901
Privacy Policy
We are committed to protecting your privacy in accordance with the Privacy Act 1988 (Cth) (Privacy Act) and the Australian Privacy Principles (APPs).
This Privacy Policy applies to personal information collected by us and explains how we collect, use, disclose and handle it as well as your rights to access and correct your personal information and make a complaint for any breach of the APPs.

The Privacy Act defines personal information to mean: “information or an opinion about an identified individual, or an individual who is reasonably identifiable, whether the information or opinion is true or not and whether recorded in a material form or not.”

We collect and hold information which is reasonably necessary depending on the services we are providing for underwriting and administering your insurance and claims handling. We collect information only by lawful and fair means.
Personal information generally can include:
  •  Your contact information such as full name (first and last), e-mail address, current postal address, delivery address (if different to postal address), and phone numbers.
  •  Details relating to your employment (if applicable) or your previous employment.
  •  Your date of birth.
  •  Insurance history.
  •  Credit status.
  •  Previous claims or losses.
  •  Other information specific to our products or services such as your opinions, statements and endorsements collected personally or via surveys and questionnaires,
      including but not limited to your views on the products and services offered by Insured Creativity Pty Ltd and
  •  If you are requesting products or services from us, we will collect any relevant payment or billing information, (including but not limited to bank account details,
      direct debit, credit card details, billing address, and premium funding and instalment information.

“Sensitive information” is a subset of personal information and means: “information or opinion about an individual’s racial or ethnic origin, political opinions, membership of a political organisation, religious beliefs or affiliations, philosophical beliefs, membership of a professional or trade association, membership of a trade union, sexual orientation or practices, criminal record, health information about an individual, genetic information, biometric information or templates.”

We only collect personal information by lawful and fair means and where it is reasonably necessary for, or directly related to, one or more of our functions or activities.
Unless it is unreasonable or impracticable for us to do so, or as provided otherwise under this Privacy Policy, we will collect your information directly from you or your agents.
If we collect details about you from someone else, we will, take reasonable steps to make you aware of the collection in accordance with the APPs.
We may obtain personal information indirectly and who it is from can depend on the circumstances. We will usually obtain it from another insured if they arrange a policy which also covers you, related bodies corporate, referrals, your previous insurers or insurance intermediaries, witnesses in relation to claims, health care workers, publicly available sources, premium funders and persons who we enter into business alliances with.
We attempt to limit the collection and use of sensitive information from you unless we are required to do so in order to carry out the services provided to you. However, we do not collect sensitive information without your consent.
We hold the personal information we collect within our own data storage devices or with a third party provider of data storage. We discuss the security of your personal information below.

We collect, hold, use and disclose your personal information where it is reasonably necessary for, or directly related to, one or more of our functions or activities. These will usually include our insurance broking services, insurance intermediary services, funding services, claims management services and risk management and other consulting services and to meet any obligations we have at law e.g. identity checks required by the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 and other legislation. We also use it for direct marketing purposes explained in more detail below.
For example, we usually need to collect, hold, use and disclose personal information where:
  •  we are providing personal advice, so we can provide this advice to you;
  •  we arrange insurance, so insurer(s) can decide whether to offer insurance or not;
  •  you require premium funding, so the funder can decide whether to provide the funding or not;
  •  a claim is made, so the insurer can make a decision on the claim;
We do not use or disclose personal information for any purpose that is unrelated to our services and that you would not reasonably expect (except with your consent). We will only use your personal information for the primary purposes for which it was collected or as consented to.
We usually disclose personal information to third parties who assist us or are involved in the provision of our services and your personal information is disclosed to them only in connection with the services we provide to you or with your consent. We may also disclose it for direct marketing purposes explained in more detail below.
The third parties can include our related companies, our agents or contractors, insurers, their agents and others they rely on to provide their services and products (e.g. reinsurers), premium funders, other insurance intermediaries, insurance reference bureaus, loss adjusters or assessors, medical service providers, credit agencies, lawyers and accountants, prospective purchasers of our business and our alliance and other business partners.
These parties are prohibited from using your personal information except for the specific purpose for which we supply it to them and we take such steps as are reasonable to ensure that they are aware of the provisions of this Privacy Policy in relation to your personal information.
We also use personal information to develop, identify and offer products and services that may interest you, conduct market or customer satisfaction research. From time to time we may seek to develop arrangements with other organisations that may be of benefit to you in relation to promotion, administration and use of our respective products and services. See direct marketing explained in more detail further below. We do not use sensitive information to send you direct marketing communications without your express consent.
If we do propose to disclose or use your personal information other than for the purposes listed above, we will first seek your consent prior to such disclosure or use.
If we give third parties (including their agents, employees and contractors) your personal information, we require them to only use it for the purposes we agreed to.

If we receive personal information even though we didn't ask for it, then within a reasonable period after we have received it we’ll decide if its information we could have lawfully collected by asking you for it. If we decide we couldn’t have asked you for the information, we will destroy or de-identify it if it’s lawful and reasonable to do so.

If the required personal information is not provided, we or any involved third parties may not be able to provide appropriate services or products. If you do not provide the required personal information we will explain what the impact will be.

When you provide us with personal information about other individuals, we rely on you to have made them aware that you will or may provide their information to us, how we collect, use, disclose and handle it in accordance with this Privacy Policy and our relevant Privacy Statements. If it is sensitive information we rely on you to have obtained their consent to the above. If you have not done these things, you must tell us before you provide us with the relevant information.
If we give your personal information, you must only use it for the purposes we agreed to.
Unless an exemption applies or we agree otherwise, you must meet the requirements of the Privacy Act, when collecting, using, disclosing and handling personal information on our behalf.
You must also ensure that your agents, employees and contractors meet the above requirements.

We take reasonable steps to ensure that your personal information is safe. We retain personal information in hard copy records and electronically with us or our appointed data storage provider(s). You will appreciate, however, that we cannot guarantee the security of all transmissions of personal information, especially where the internet is involved.
Notwithstanding the above, we endeavour to take all reasonable steps to:
  •  protect any personal information that we hold from misuse, interference and loss, and to protect it from unauthorised access, modification or disclosure both physically and through computer security measures;
  •  destroy or permanently de-identify personal information in accordance with the Privacy Act.
We maintain computer and network security; for example, we use firewalls (security measures for the internet) and other security systems such as user identifiers and passwords to control access to computer systems.

We take reasonable steps to ensure that personal information is current, accurate, up-to date and complete whenever we collect or use or disclose it.
Throughout our dealings with you we will take reasonable steps to confirm the details of your personal information we hold and ask you if there are any changes required.
The accuracy of personal information depends largely on the information you provide to us, so we rely on you to:
  •  let us know if there are any errors in your personal information you become aware of; and
  •  keep us up-to-date with changes to your personal information (such as your name or address).

You are entitled to have access to any personal information relating to you which we possess, except in some exceptional circumstances provided by in law. For example, we may refuse access where the:
  •  information may have an unreasonable impact on the privacy of others; request is frivolous or vexatious;
  •  information relates to existing or anticipated legal proceedings and would not be accessible by the process of discovery in those proceedings;
  •  information would reveal our intentions in relation to negotiations in such a way as to prejudice those negotiations.
Where providing access would reveal evaluative information generated by us in connection with a commercially sensitive decision-making process, we will provide an explanation for the decision rather than direct access to the information.
If we refuse access or to give access in the manner requested by you we will let you know why in writing and provide you with details about how to make a complaint about the refusal.
If we make a correction to your personal information we may retain a copy of the previous information for our records or as required by law.
If you wish to access your personal information please write to our Privacy Officer:
Level 1, 454 Collins Street, Melbourne, Victoria, 3000.
PO Box 12100, Middle Camberwell, Victoria, 3124.
In most cases we do not charge for receiving a request for access to personal information or for complying with a correction request.

Any personal information provided to us in providing you with our products and services may be transferred to, and stored at, a destination outside Australia, including but not limited to New Zealand, Singapore, United Kingdom, the Philippines, the European Union and the United States of America. Details of the countries we disclose to may change from time to time. Personal information may also be processed by staff or by other third parties operating outside Australia who work for us or for one of our suppliers, agents, partners or related companies.

We may use your personal information, including any email address you give to us, to provide you with information and to tell you about our products, services or events or any other direct marketing activity (including third party products, services and events which we consider may be of interest to you). Without the limitation just described, if it is within your reasonable expectations that we send you direct marketing communications given the transaction or communication you have had with us, then we may also use your personal information for the purpose of sending you direct marketing communications which we may consider may be of interest to you. We may request our related parties to contact you about services and products that may be of interest to you.

You are able to visit our website without providing any personal information. We will only collect personal information through our websites with your prior knowledge for example where you submit an enquiry or application online.
Email addresses are only collected if you send us a message and will not be automatically added to a mailing list.

If you have a complaint about how we manage your privacy we ask that you contact our office ft to help us to assist you in the first instance we will try to resolve the matter within one business day. You may also access our internal dispute (IDR) process by contacting us.
In order to resolve a complaint, we:
  •  Will liaise with you to identify and define the nature and cause of the complaint;
  •  May request that you detail the nature of the complaint in writing;
  •  Will keep you informed of the likely time within which we will respond to your complaint;
  •  Will inform you of the reason for our decision in resolving such complaint; and
  •  Keep a record of the complaint and any action taken in the Register of Complaints.
If you have a complaint, please write to us at PO Box 12100, Middle Camberwell, Victoria , 3124, and our Privacy Officer will then attempt to resolve the issue or complaint.
When we make our decision, we will also inform you of your right to take the matter to the Office of the Australian Information Commissioner (OAIC) if you are not satisfied. In addition, if you have not received a response from us of any kind to your complaint within 30 days, then you have the right to take the matter to the OAIC.
The contact details of the OAIC are:
Office of the Australian Information Commissioner
GPO Box 2999
Canberra ACT 2001
Telephone: 1300 363 992

If you wish to gain access to your personal information, want us to correct or update it, have a complaint about a breach of your privacy, wish to withhold your consent (opt out) of providing consent to any of the uses of your information including receiving offers of products or services from us, or have any other query relating to our Privacy Policy, contact our Privacy Officer during business hours on:
Telephone: 0412 139 588
Address: PO Box 12100, Middle Camberwell, Victoria, 3124
Complaints And Dispute Resolution
If you have any complaints about the products or services provided to you, please contact us. We will endeavour to resolve it immediately on the phone.
If you compliant is not resolved to your satisfaction we have a complaints and internal dispute resolution process to try and resolve them as quickly as possible.
If this does not resolve the matter or you are not satisfied with the way a complaint has been dealt with you have the right to refer the matter to our external disputes resolution service.
We will provide information about this service including contact information when you lodge your complaint with us or at any time upon your request.
General Insurance Code of Practice
We fully support the General Insurance Code of Practice. The code sets the standards of customer service to be provided by us in accordance with our binding authorities where we act on behalf of the insurer. It covers matters such as purchasing insurance, claims handling and dispute resolution.
Further information about the Code can be obtained from
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