Before you enter into an insurance contract, you have a duty of disclosure under the Insurance Contracts Act 1984.
If we ask you questions that are relevant to our decision to insure you and on what terms, you must tell us anything that you know and that a reasonable person in the circumstances would include in answering the questions.
You have this duty until we agree to insure you.
If you do not tell us anything you are required to tell us, we may cancel your contract or reduce the amount we will pay you if you make a claim, or both. If your failure to tell us is fraudulent, we may refuse to pay a claim and treat the contract as if it never existed.
We are committed to protecting your privacy. We collect the personal information we need to assess insurance applications, provide quotations, issue insurance policies and assess claims made under them. We may not be able to do these things if you don’t provide the information we need.
We provide your personal information to the insurer that underwrites your insurance and our related companies. We provide your name and policy number to any intermediary that arranged your policy or referred you to us. We may also provide relevant personal information to our trusted suppliers including financiers, loss adjusters, assessors, surveyors, repairers, professional advisers, document storage centres and IT service providers. If you make a claim, we may also need to provide relevant personal information to authorities (such as the police, licensing and registration bodies and the Australian Financial Security Authority) and to other insurers in the event of recovery or litigated action.
We may use your contact details to send you marketing communications that we believe will be of interest to you. You can opt out from receiving these at any time.
Please read, download and save our Financial Services Guide (FSG). This contains important information about the services we provide, how we are paid, and our complaint handling process.
Please read, download and save the National Motorcycle Insurance Product Disclosure Statement (PDS). This describes the features, benefits, terms, conditions, limits and exclusions applicable to the insurance.
By accepting our terms and conditions you acknowledge you have had a chance to consider our Product Disclosure Statement to consider if this insurance is right for you.
The Product Disclosure Statement can be found here.
We will also ask you questions that require your understanding of our Duty of Disclosure, this can be found within the Product Disclosure Statement and notes as follows:
Before You enter into an insurance contract, You have a duty of disclosure under the Insurance Contracts Act 1984.
We may ask you questions that are relevant to our decision to insure You and on what terms. If We do, You must tell Us anything that you know and that a reasonable person in the circumstances would include in their answer.
You have this duty until We agree to insure You.
If you do not tell us something
If You do not tell Us anything You are required to, We may cancel your contract or reduce the amount We will pay you if You make a claim, or both.
If Your failure to tell Us is fraudulent, We may refuse to pay a claim and treat the contract as if it never existed.
We will collect personal information to assist completing this insurance, AIG Australia and NM Insurance are committed to protecting Your privacy in accordance with the Privacy Act 1988 (Cth) (the “Act”) and the Australian Privacy Principles (APPs). Within the Product Disclosure Statement you can read further about our Privacy Policies.
By accepting our terms and conditions you are understanding and acknowledging the above.
Unfortunately, we are unable to provide a quote online due to restrictions in our acceptance criteria.
If you wish to discuss further please feel free to call us on 1300 960 437.
We are open between 8.30am – 5pm Monday to Friday.