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Our Product Disclosure Statement

The law requires that you receive a “Product Disclosure Statement” (PDS) prepared by Certain Underwriters at Lloyd’s. The PDS aims to

give you enough information to decide whether to buy this product. Lloyd’s PDS is made up of a number of documents. The Proposal and the

PDS and Policy Wording Booklet contains the standard terms and conditions of cover. If cover is issued, the Schedule other documents we

tell you are included, will update and becomes part of the PDS. These documents are available to you (if you or your agent does not already

have them, by calling us, visiting our office or website – )

Your Duty of Disclosure

Before you enter in to a contract of insurance you have a duty under the INSURANCE CONTRACTS ACT 1984 to disclose to us as agent

honest and completed answers, tell us everything you know and tell us everything that a reasonable person in the circumstances could be

expected to tell us is relevant to our decision whether to accept the risk of the insurance and, if so, on what terms. You have the same duty

to disclose these matters to us before you renew or change this contract. Your duty however, does not require disclosure of any matter

that diminishes our risk that is of common knowledge, that we know or, in the ordinary course of business, should know, or as to which

compliance with your duty of disclosure is waived by us.

Non Disclosure

If you fail to comply with your duty of disclosure, we may be entitled to reduce our liability under the contract in respect of a claim or may

cancel the contract. If your non-disclosure is fraudulent, we may also have the option of avoiding the contract from the beginning.

Privacy Notice

We and the Insurer are committed to complying with the principles of the Privacy Act 1998 (Cth) concerning the collection, use and

management of personal information about individuals.

We will collect and use the personal information to arrange your cover and administer and manage your and our rights and obligations in

relation to it. We disclose personal information to third parties who we believe are necessary to assist us and them in providing the relevant

services and products. For example, we provide the information to our staff, contractors and agents such as legal firms, accountants,

actuaries, loss adjusters and claims investigators, doctors and other medical service providers, reinsurers and reinsurance brokers, insurance

or credit reference bureau’s, your agents and your employer. We also provide it to others for purposes of public safety and law enforcement

and to pursue our rights of subrogation.

We limit the use and disclosure of any personal information provided by us to them for the specific purposes we supplied it. If you would

like a copy of our Privacy Policy, wish to opt-out of receiving marketing material we send or wish to seek access to or correct the personal

information we have collected or disclosed about you then please contact us (see contact details in this document).

When you give us personal information about other individuals, we rely on you to have made or make them aware that you will or may

provide their information to us and the types of third parties we may provide it to, the relevant purposes we and the third parties will use it

for, and how they can access it. If it is sensitive information we rely on you to obtain their consent on these matters. If you have not done or

will not do either of these things, you must tell us before you provide the relevant information.

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Freeman Mcmurrick Quotation & Proposal Securus Motor Insurance Page 7