Levels of cover
TIP: Do not enter the '$' symbol or any other text, enter numbers only.
What is your personal taxable income? *
Life Insurance
TPD Insurance
Trauma Insurance
Public Liability * Please select...
$5,000,000
$10,000,000
$20,000,000
Do you expect to have any single contracts worth more than $100,000? * No Yes
Tool Insurance (Replacement value of your tools - do not include a trailer here) *
Do you also require cover for a trailer? * Yes No
Your trailer may be covered under your existing vehicle insurance policy, however we can still provide you with a separate quote. Would you like a quote on your trailer? * Yes No
What is the value of your trailer? *
Are there any single items (excluding a trailer) valued at more than $1,000 that require cover? * Yes No
Please provide details *
Income Protection
Please answer these questions as honestly as possible, as they will help us to determine which policy is right for you. There are no wrong or right answers!
Which of the following best describes your attitude towards income protection? * I don't care about the cover and just need the cheapest policy to get me onto the worksite I want a policy which provides a mix between decent features and a competitive premium I want the best cover available
The insurer will allow you to cover up to 75% of your income. Based on the annual income you entered on the previous page, the maximum monthly benefit to you will be:
Is this the amount you would like to insure yourself for? * Yes, I need this much cover No, I would like to insure myself for a different amount
What is the monthly amount you would like to cover yourself for?
If you could not work, how long would you like your monthly benefits to continue for? * For 2 years Until I reach age 65 I'm not sure, please quote me on both
If you could not work, how long would you be willing to go before you started receiving benefits from your policy? Note: The shorter the timeframe, the more expensive the premium will be. * 14 days 30 days (most common) 60 days
If you were unable to work due to an accident, would you be happy to wait for the full waiting period, or would you like to be paid sooner? * I could hold out for the full waiting period I would need to be paid sooner
To be paid sooner, we can add an option to your policy called 'Day 1 Accident Cover'. Would you like to include this option in your quotes? * Yes, please include this option in my quotes No, I don't need this option Please quote me both with and without this option
Underwriting Questions
Does the business undertake work at airports, railway stations, oilrigs, gas rigs, oil refineries, chemical refineries, mines, quarries, shipyards or mainframe computer installations? * No Yes
Please provide details *
Do you employ Sub Contractors or use Hire Labour accounting for more than 25% of your total turnover? * No Yes
Please advise what dollar amount of your turnover relates to work contracted out to labour hire or sub-contractors:
Does the business engage hired labourers or contractors on any one project where value of all such work on the project is greater than $20,000? * No Yes
Please provide details:
Have you or your business partners:
Suffered any losses (insured or otherwise) totalling more than $5,000 in the last 12 months or $10,000 in the last 3 years, or suffered 2 or more claims in any one policy year? * No Yes
Please provide details of each loss or claim, including the approximate date and the dollar amount lost or claimed.
In the last 5 years, had any insurer decline any claim or proposal, cancel or refuse to renew a policy, or increase premium or impose special conditions? * No Yes
Please provide details:
In the last 5 years been placed in receivership or liquidation or declared bankrupt?
* No Yes
Please provide details:
In the last 10 years been convicted of or had any fines or penalties imposed for any crime involving drugs, dishonesty, arson, theft, fraud or violence against any person or property?
* No Yes
Please provide details:
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