Duty of disclosure

Under the Insurance Contracts Act 1984 (Cth), you have a duty of disclosure that requires you to advise us of certain things.

When you apply for, extend or amend a policy with us, we will ask you a series of questions. When you answer these questions you must declare everything you know, or which a reasonable person in the circumstances would be expected to know, for us to decide:

  • whether we will insure you;
  • the amount we will charge you; and
  • whether any special conditions will apply to your policy.

Everyone who is insured under the policy must comply with this duty of disclosure. If you provide information on behalf of another insured, you are responsible for the accuracy and completeness of that information. If you (or they) do not comply with this duty of disclosure, We may refuse to issue a policy, reduce our liability for any claim and/or cancel your policy, or refuse to pay your claim or treat your policy as void from the beginning.

TravelCare is issued by Southern Cross Benefits Limited ABN 99 133 401 939, AFS License 331058 trading as Southern Cross Travel Insurance ®. We are a signatory to the General Insurance Code of Practice and the Financial Ombudsmen Service (FOS) Australia.

As an Australian financial services licensee (AFSL), SCTI is authorised to deal in, and provide, general advice on travel insurance products. As we are unaware of your specific needs, financial objectives, and circumstances, we highly recommend you take time to read the Combined Financial Services Guide (FSG), Product Disclosure Statement (PDS), including Policy Wording before buying this product, to ensure that our travel insurance product is right for you.

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