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FAQ

FAQs – Cost effective Insurance Solutions for Independent Contractors and Consultants
Whether it is a single Professional Indemnity policy or a comprehensive package, we offer great quality cover at an affordable price.

When does cover commence?

Cover for Professional Indemnity insurance, Public & Products Liability insurance and Directors & Officers insurance can be arranged at any time to suit your circumstances. This can commence at any time but cannot be 'backdated'. However, please see below regarding Professional Indemnity insurance as we do offer retroactive cover in those circumstances.

I only have a short term contract - why do I need annual cover?

Professional Indemnity insurance is usually underwritten on a "claims made" wording, which means a current policy must be in force when a claim or claim circumstance giving rise to a claim is made against you. If you had insurance in force for the duration of your contract which then ceased upon completion of the project and a claim is made against you for professional negligence by your client after the end of the policy period, you may not have insurance protection for the claim.Annual cover ensures you have continuity of cover and peace of mind that if a claim is made long after the 'event' you are more likely to be protected than if you maintain insurance for short term periods or only for the 'life of the project'. Even if you cease freelance contracting, consider purchasing run-off cover for several years to ensure you are not exposed to a claim relating to work you carried out in the past.

Who provides the insurance and how can you be so competitive?

Insurance is arranged with certain underwriters at Lloyd's Limited. It is for this reason and the fact that the application is processed online that this comprehensive cover can be provided so competitively.

How can I pay for this insurance?

By Visa or Mastercard (debit or credit) through our secure portal without any surcharges.

How will my policy be renewed?

Your policy is due for renewal on or before the expiry date of your current policy. We will notify you when your policy is due for renewal by email at least one month before the expiry date. At this time we will invite you to renew the policy by sending you an email with a link to you isure account. To complete your renewal, please follow the link in the renewal email.At renewal, you have a duty to disclose to the insurer any information which is relevant to the insurer's decision to insure you during the policy period. Please read the Duty of Disclosure on page 2 of your Policy document so that you know what you must do to comply with your duty of disclosure at renewal.If you do not require renewal of your policy, please advise us as soon as possible by email on info@isureonline.com.au.

How do I find out the terms and conditions of each type of insurance policy?

Specimen policy wordings are available in pdf format - Click here.

How do I cancel or vary the terms of cover?

All policies are non cancellable by the insured. This means you cannot cancel the policy and obtain a refund if you change your mind or if you wish to cancel mid-term.If you spot an error, or need to make an amendment please access the Account Login link on our website and make the necessary amendments. Amendments can also be made throughout the policy period.Certain amendments can only be made by the isure system controller, these include change of contact details and named insured, please contact us on 1800 447 873 or email us here.

Professional Indemnity: What is Retroactive Cover?

Retroactive cover applies solely to Professional Indemnity insurance. Once this class of insurance is arranged, it will cover you for any future claims which may relate back to an occurrence which pre-dates the date on which the insurance policy commenced as far back as the date on which your business started, so long as you keep the policy in force with us.For this type of insurance, cover can only be confirmed after receipt of a declaration, at inception or renewal, that you are not aware of any circumstances which could give rise to a claim.

What if I do not qualify for the scheme; can I still get cover?

If we can't issue the policy to you immediately (e.g. because you have a claims history or you have answered a risk management question that requires further consideration), your online application will be referred to the insurer for further consideration.If your business is still considered to be unsuitable by the insurer, we can refer you to Gallagher who may then be able to offer you terms from the open market. This means Gallagher may offer to find insurance from an alternative insurer on different policy terms. Please note Gallagher and Isure Pty Ltd are related companies.

General Insurance Code of Practice - providing you with better service.

The General Insurance Code of Practice was developed by the Insurance Council of Australia to further raise standards of practice and service across the insurance industry. We keenly support the standards set out in the Code.You can obtain more information on the Code of Practice and how it assists you by contacting us directly on 1800 447 873 or alternatively by visiting the Insurance Council of Australia Limited website. You can download a copy of the General Insurance Code of Practice here.

How do I complain?

isure Pty Ltd (ABN 48 159 365 947) are committed to providing quality services to our clients. This commitment also extends to giving you easy access to people and processes that can resolve a service issue or complaint. If you are concerned about the services provided by us, any product we have arranged or how your Personal Information has been handled please address your complaint in writing to:Complaints ManagerisureLevel 2, 235 St Georges TerracePerth WA 6000PO Box 7415,Cloisters Square, WA 6850Email: info@isureonline.com.auTelephone: 1800 447873We will respond to your complaint within 15 business days, provided we have all necessary information and have completed any investigation required. In the unlikely event that we do not resolve the matter or you are not satisfied with the way your complaint about a Lloyd’s policy or claim under a Lloyd’s policy has been dealt with, you should contact:Lloyd’s Australia Limited Level 9, 1 O’Connell Street Sydney NSW 2000 Email: idraustralia@lloyds.com Telephone: (02) 8298 0783If your complaint is not resolved to your satisfaction following our complaints process or if we do not resolve your complaint within 45 calendar days of receiving it, you may refer the matter to the Australian Financial Complaints Authority (AFCA). AFCA is an independent body that operate nationally in Australia and aim to resolve disputes between you and your insurer.Australian Financial Complaints Authority GPO Box 3 Melbourne, VIC 3001 Telephone: 1800 931 678 Email: info@afca.org.au Website: www.afca.org.auYou can access a full copy of our Complaints and Disputes process here.

Anything Else?

For clarification of any queries not covered above, please advise us by email info@isureonline.com.au providing your telephone & email contact details.