Personal Accident Insurance

Accidents can, and do, happen to anybody - and the financial consequences could be devastating. Imagine if you couldn't work again because of injury, your bills wouldn't stop. If anything they could get higher.

To get a quote for Personal Accident insurance, just fill in the form below and submit.

 

If you have spoken to a broker in our office, note their name here so that this quote can be processed by them as they will know something about you already.

Brokers Name:

First Name

Last Name

Email Address

Phone No. *

Address *

Underwriting Questions

Occupation:

Gender

Smoking Status

Height:

Weight (kgs):

Date of birth:

General information

Are you a permanent resident of Australia?
Yes    No

Do you intend working outside of Australia?
Yes    No

Has your business been operating more than 12 months?
Yes    No

In the last 10 years, have YOU received treatment or advice from a Registered Medical Practitioner (including but not limited to a doctor, chiropractor, physiotherapist, psychiatrist or naturopath) in relation to

  • Asthma;
  • Arthritis or rheumatism;
  • Bowel disorder;
  • Brain, epilepsy or other disorder of the central nervous system;
  • Cancer or tumour;
  • Depression, psychological, psychiatric or personality disorder;
  • Diabetes - Type 1;
  • Diabetes - Type 2;
  • Disorders of circulatory system - including heart, arteries;
  • Disorder of the digestive systems;
  • Disorder of the Head, back, neck or spine;
  • Disorder of the musculoskeletal system;
  • Disorder of the eyes;
  • Disorder of the ears
  • Drug or alcohol dependence;
  • Hepatitis A & B;
  • Hepatitis C
  • Hernia or associated condition;
  • High blood pressure ;
  • High cholesterol;
  • HIV, AIDS or AIDS related conditions;
  • Kidney, bladder, liver, spleen, or other disorders of the genito-urinary system;
  • Lungs, tuberculosis or other disorders of the respiratory system;
  • Physical impairment or deformity
  • Stomach or oesophagus;
  • Ulcers;
Yes    No

Do YOU currently have any symptoms of ill health or injury? (Note: it is not necessary to answer 'Yes' if only for colds or flu).
Yes    No

Are YOU taking any prescription medicines? (Note: it is not necessary to answer 'Yes' if only for colds or flu).
Yes    No

Do YOU participate in any hazardous pursuits or activities, including but not limited to motor sports in any form, rock climbing or mountaineering, water skiing, snow skiing, snow boarding, horse riding, canyoning, motor cycling, hang gliding, parachuting, abseilling, kite surfing, mountain biking, scuba diving, football (all codes), other body contact sports?
Yes    No

Are there any hazardous duties associated with your occupation (e.g. explosives/dangerous substances/working from heights)?
Yes    No

Have YOU ever had any policy or application for accident and illness insurance declined, modified, accepted at an increased premium, cancelled or refused renewal?
Yes     No

Have YOU ever claimed benefits from Workcover or Workers Compensation?
Yes    No

Have YOU ever claimed benefits under any accident or sickness insurance policy?
Yes     No    

Cover Required $

Do you require a quote for illness cover?
Yes     No    


Type the above number:



Declaration

By submitting this Declaration, the Applicant acknowledges:
- they are authorised by all the Applicants to make this Declaration,
- the contents of this form are true and complete,
- they are under a continuing obligation to immediately inform the insurer of any change in the particulars or statements contained in this form up until the contract is entered into,

General Advice Warning
As this advice has been prepared without considering your objectives, financial situation or needs, you should, before acting on this advice, consider its appropriateness to your circumstances. Our firm deals exclusively with QBE Insurance on Personal Accident Insurance. We have selected this insurer because of the quality of their product and their first class claims service. It is also important that you read and understand the Policy Wording that forms part of the policy wording.

Name of person making this declaration:


 

 

DUTY TO NOT MAKE A MISREPRESENTATION

Before you enter into a contract of insurance (policy), you have a duty to take reasonable care not to make a misrepresentation. You have a similar duty when you ask us to vary or extend the insurance and when we offer you the opportunity to renew your insurance. What that means is that you need to take reasonable care to provide honest, accurate and complete answers to any questions that we ask.

New Business - Before you do any of these things, you may be required to answer questions and the insurer will use the answers you provide in deciding whether to insure you, and anyone else to be insured under the policy, and on what terms. To ensure you meet your duty, your answers to the questions must be honest, accurate and complete.

Renewals / Endorsements - This notice includes information you have previously told us that is relevant to your policy, which we passed on to the insurer. The insurer requires you to contact us to tell us if this information is incorrect, or if it has changed. If you do not tell us about a change to something you have previously told us, the insurer will take this to mean that there is no change.

To ensure you meet your duty, when you contact us to advise of any information that is incorrect or has changed, the updated information you give us must be truthful, accurate and complete.

If you fail to meet your duty, the insurer may be able to cancel your contract, or reduce the amount it will pay if you make a claim, or both.

If your failure is fraudulent, the insurer may be able to refuse to pay a claim and treat the contract as if it never existed.