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Terms and Conditions


Your Duty of Disclosure

We rely on the information you provide us with to decide whether to insure you and the terms on which we will insure you and you have a Duty of Disclosure to us. To comply with your Duty of Disclosure before you enter into the policy or vary, renew, extend, reinstate or replace it, you must tell us everything that you know, and which a reasonable person in the circumstances, could be expected to know, is relevant to our decision whether to insure you and, if so, on what terms.

You do not have to tell us anything that is common knowledge that we should know through our business, that reduces the risk of a claim or that we tell you we do not need to know. If you fail to comply we may be entitled to reduce or deny any claim you make and/or cancel the policy. If you fraudulently keep information from us or deliberately make false statements we may avoid your contract and treat your insurance as if it never existed.

The insurance we provide you takes in to account the answers and disclosures you provide to obtain a quotation. These answers and disclosures are called "material facts". Should you wish to alter a material fact, you must do so in writing to us. Alteration will only apply if we write to you and confirm the alteration is acceptable.

Privacy Act Requirements

The Privacy Act 1988 contains National privacy Principles which require us to tell you that we collect, handle, store and disclose your personal and sensitive information in order for us to provide you with and inform you about insurance and insurance related services. To do this we may communicate your personal information to our service providers. This will always be done as permitted by the relevant privacy legislation. Please read the Privacy Policy (see below) for further details.


Confidentiality Agreement

Upon your agreement to abide by this Confidentiality Agreement we agree to supply you with a personal access password to enable you to access and use this web-based quotation system solely for your and your client's benefits.
"Information" means:
(a). any information relating directly or indirectly to our quotation system;
(b). the access password to that system;
(c). any information directly or including relating to our rating structure and rating methodology;
(d). any information we disclose to you on the basis that such information is confidential;
(e). any information which might reasonably be expected by either party to be of a confidential nature.

You agree to keep Information confidential at all times and shall not at any time, directly or indirectly use the Information to our detriment.

You agree to indemnify us in respect of any loss, damage, cost or expense that we incur as a direct result of you breaching any of your obligations under this Confidentiality Agreement.

(c) MECON Insurance Pty Ltd 2021