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Contact us as soon as possible if you need cover for a risk or property that is not insured. If you need immediate cover, we can usually obtain an interim contract of insurance (which is generally valid for a month or less). To arrange this, we will need details of the property or risk and all other information that you need to disclose to the insurer.
We will then send you a proposal for completion. You will need to complete and sign this and return it to us as soon as possible and before the interim cover expires.
We will send the original insurance contract documents as soon as they are issued correctly by your insurer. As these are legal documents, you should keep them in a safe place.
Renewals
We will give you at least 14 days notice of expiry of any insurance contract, which we arranged or last renewed for you.
At that time we will send you the renewal notice / tax invoice for your insurance policy. If you want to change the details of the cover, contact us as soon as you receive the renewal notice. The premium is due and payable within 14 days of the renewal date.
In some circumstances we may be able to arrange for the insurer to cover you temporarily before payment is received, but we cannot guarantee this.
If you arranged or renewed insurance directly with an insurer or through another broker, we will not be responsible for notifying you of expiry or arranging renewal unless you ask us to do so.
Claims
We will receive your claims notifications, assist and advise you regarding the scope of cover and pass the information to the insurer.
If a loss adjustor is appointed we shall, with your permission, pass on your contact details and co-ordinate meetings. In the case of a major loss, we can attend the initial meeting with the loss adjustor if you wish us to.
We will promptly forward to you all claims documentation, insurance company settlement cheques and other information.
If any claims are outstanding when you terminate our appointment as your insurance broker, we will:
Negotiate settlement on your behalf subject to a claim service fee of $100.00; or Provide details of the claim(s) to your new insurance broker so that they may continue to negotiate settlement of your behalf.
Variations
You should carefully monitor and review that your insurance contract is adequate to cover your assets or business activities.
If you want to vary any cover, eg by increasing the sum insured or adding other property, please provide us with details of the changes you require and any other information you need to disclose to the insurer.
We will arrange the variation with the insurer and provide you with written confirmation.