FDCA Insurance Services We ve got you covered. Educator Insurance Information and Application Booklet

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1 FDCA Insurance Services We ve got you covered. Educator Insurance Information and Application Booklet January 2013 ABN AFSL

2 2 Family Day Care Australia Educator Insurance

3 Working for you As the Family Day Care Australia mission suggests we champion excellent family day care. From lobbying government and partnering with leading academics on ground-breaking research projects to promoting and positioning the sector as an option of choice in early childhood, to sourcing and delivering essential member services, and in connecting and engaging the sector in shared leadership, Family Day Care Australia is working towards a stronger future for family day care. As your national, not-for-profit, peak body, 100% of our work goes back into supporting and promoting our members and the family day care sector. Becoming a member of Family Day Care Australia gives you access to a fantastic range of services and support, including: Significant savings on our insurance products and other business services Family Day Care Matters : weekly e-newsletter JiGSAW Magazine: Australia s only family day care sector publication Sector Support: expert early childhood, management and operations phone support Research and Advocacy: direct access to government and key industry stakeholders Marketing & Media: resources, advice, media management, online and sector specific promotion Online print centre: personalised, professional marketing material, stationary and merchandise for your business Family Day Care Australia Educator and Coordination Unit of the Year Awards I support Family Day Care Australia because they support me SUE, NSW Family Day Care Australia Educator Insurance 3

4 The insurance of choice for family day care For 25 years Family Day Care Australia has been your national peak body so nobody understands the needs of the sector the way we do. Our members only policy ensures you receive the cover you require and the value you deserve. Family Day Care package The Family Day Care package is for educators who run a traditional family day care, that is, the provision of early childhood education and care for children in their home/residence. This package is also suitable for educators who run family day care and in home care. To meet the needs of family day care educators this package includes the mandatory Public Liability Insurance in addition to Personal Accident Insurance for children in the event of an accident and, Management Liability Insurance in the event of an infringement notice for a breach of the national regulations. For full details of each of the policies included refer to pages 6-7 of this booklet. The Family Day Care package includes: Family Day Care Australia membership Public Liability Insurance Personal Accident insurance for Children Management Liability Insurance 4 Family Day Care Australia Educator Insurance

5 Out Of Home Care package The Out of Home Care package includes the same policies as the family day care package however the Public Liability Insurance has a specific extension to cover the provision of out of home care (OOHC). In-Home Care package The In-Home Care package is specifically designed for educators who provide approved care in the child s home only, commonly known as in-home care. The package includes the mandatory Public Liability Insurance in addition to Personal Accident Insurance for Children in the event of an accident. The In-Home Care Package does not include Management Liability Insurance as in home care does not currently fall under the national regulations. For full details of each of the policies included refer to pages 6-7 of this booklet. The In-Home Care package includes: Family Day Care Australia membership Public Liability Insurance Personal Accident Insurance for Children OOHC refers to the provision of care through your family day care service, on a fee for service basis for children placed by a private or government agency which holds legal guardianship of the child, and where the care is for periods greater than 12 continuous hours. It does not apply to those providing regular family day care for children placed by their parents, nor does it apply to those who provide foster care on an individual private basis, arranged outside of their family day care service. The policy extension acknowledges and accounts for the specific needs of children and young people in OOHC creating a different child protection environment with additional perceived risk to children and educators engaged in OOHC. This package is the recommended package for anyone providing OOHC and is suitable for educators who provide family day care and out of home care. For full details of each of the policies included refer to pages 6-7 of this booklet. The Out of Home Care package includes: Family Day Care Australia membership Public Liability Insurance (with OOHC extension) Personal Accident Insurance for Children Management Liability Insurance If you would like to customise your own insurance package, call Family Day Care Australia on Just starting out? Family Day Care Australia Insurance Services offers a 3-month kick start package for new educators. Family Day Care Australia Educator Insurance 5

6 You re in safe hands It s reassuring to know that with Family Day Care Australia Insurance Services you re covered. 1. Public Liability Insurance* Public Liability Insurance is mandatory for all educators. If a child or other person is injured or their property is damaged as a result of your work, you may be found unintentionally negligent and a public liability claim may be brought against you. Should this occur our Public Liability Insurance has you covered. Key features: $10 million Public Liability cover *$20 million available Compare the benefits: $10 million Carer Errors and Omissions (Professional Indemnity) cover FDCA $10 million Landlords Liability cover No excess $10 million Products Liability cover Qualification discounts $50,000 Criminal Defence cover Loyalty discounts $0 excess on claims Kick start Out of home activity cover Wind up Educator Assistant and Relief Educator cover *see website for details Free Public Liability Insurance legal advice 3 month kick start for new educators 3 month wind up policy for retiring educators Free claims advice Relief educator 6 Family Day Care Australia Educator Insurance Competitors

7 9/10 educators choose Family Day Care Australia. No-one understands your business better. 2. Personal Accident Insurance for Children*+ 3. Management Liability Insurance* Accidents happen and it s often not your fault. Personal Accident Insurance covers medical and out of pocket expenses incurred by parents when a child is accidentally injured while in your care. Peace of mind protection in the event of a fine or penalty for non-compliance under the Education and Care Services National Law Act 2010 and the new national regulations. Many businesses insure against fines and penalties for breaches of the law, this policy is designed specifically for family day care educators. Key features: Up to $2,000 in medical and out of pocket expenses for any one claim Up to $10,000 lump sum capital benefits payments for specified injuries Cover for damaged clothing Cover for travel and accommodation for treatment Key features: Up to $2,500 for each 12 month policy term Stand alone policy independent cover not linked to your public liability $0 excess on claims Free claims advice Reimbursement of childcare fees and parents' loss of wages $0 excess on claims Free claims advice Cover for up to seven children in care *Cover is always subject to the terms and conditions of the policy. +Full details are available online and in our Product Disclosure Statement Family Day Care Australia Educator Insurance 7

8 Family Day Care Australia Insurance Services pricing NSW QLD SA TAS ACT NT VIC WA Family Day Care Package (and FDC + IHC) 12 month package month kick start In Home Care Package (only) 12 month package month kick start Out of Home Care Package (and FDC + OOHC) 12 month package month kick start * All prices include GST and government charges. ** Please refer to the Financial Services Guide on pp13-14 for information regarding refunds and cancellations. Flexible monthly payment plans are available, call to find out more. Other Family Day Care Australia insurance services Home and Contents, and Motor Vehicle Insurance The circumstances surrounding the use of your home and vehicle for business purposes can create a unique insurance environment not readily understood by many insurers. For this reason Family Day Care Australia has sourced insurances that meet the specific needs of our members. For more information visit au or call Family Day Care Australia on to arrange a quote. Landlord s Insurance If you re a family day care educator who is renting, it may change how some insurance companies view the risk on your landlord s property. To find out more about Landlord s Insurance call Family Day Care Australia on Travel Insurance Family Day Care Australia is pleased to offer access to a great travel insurance deal for all members and their families who are looking forward to some time off either in Australia or overseas. Save up to 30 per cent off your Travel Insurance. Visit chartistravelinsurance.com.au/fdca, or call Chartis on To see which package best suits your situation, see page 3 for further package information. Please note that prices vary slightly between states and territories due to state/territory taxes and charges. The prices above are member package rates only. Individual products and/or customised packaging is available, as are nonmember rates, however both incur additional surcharges. 8 Family Day Care Australia Educator Insurance

9 Application Form and Insurance Information Family Day Care Australia Educator Insurance 9

10 Insurance Application Form C A O OFFICE USE ONLY Applicant Details Name of family day care coordination unit you are registered with: Your title: First name: Last name: Address: Suburb: State: Postcode: Date of birth: / / Phone: (home) Phone: (mobile) Fax: Have you ever held public liability insurance for your family day care service with a different insurer? Yes No If YES, which insurer: Period of continuous cover: / / to / / Agents Authority: an agent is a person you authorise to act on your behalf. I authorise (agents name) to act as my agent in relation to my FDC business insurances. Agent s signature: Agent s date of birth: / / I understand that I can withdraw my consent to the use of my personal information for the purposes of receiving marketing and promotional materials at any time by contacting Family Day Care Australia on freecall Your membership package refer to pages 4-6 for package information and pricing. Tick your selected option. Family day care (and FDC + IHC) Out of home care (FDC + OOHC) In home care (only) 12 month policy 3 month kick start* 12 month policy 3 month kick start* 12 month policy 3 month kick start* *A kick start package can only ever be used once by an educator. If you would prefer a customised package or non member rate contact FDCA on NB: FDCA members receive significant discounts on premiums and individual products do incur a surcharge. Policy start date please commence my policy on Select the date of your first schedule parent interview or, the expiry date of your existing policy. If we receive this application form after that date we will back date your policy to the specified date, as long as it is within 30 days and there have been no incidents during that time. Duty of Disclosure and Declaration / / I declare that a) I have read and understood Family Day Care Australia s Financial Services Guide, Privacy Policy, Duty of Disclosure and Product Disclosure Statement for Personal Accident Insurance for Children, if this product has been selected. b) I have read and understood the Direct Debit Conditions and, should I choose to pay by instalment I agree to be bound by those Conditions. C) I authorise Family Day Care Australia to give to or obtain from any relevant authority, any information relating to my insurances. Before you enter into a general insurance with an insurer, you have a duty under the Insurance Contracts Act 1984, to disclose to the insurer every matter which you know, or could reasonably be expected to know, is relevant to the insurer s decision whether to accept the risk of the insurance and, if so, on what terms. You have the same duty to disclose those matters to the insurer before you renew, vary or reinstate a contract of general insurance, Your duty however does not require disclosure of any matter: that diminishes the risk to be undertaken by the insurer, that is of common knowledge, that your insurer knows, or in the course of his business, ought to know and as to which compliance to your duty is waived by the insurer. The questions below are a mandatory requirement of your application. They must be answered. Yes Yes Yes No No No If yes please provide details on an attached sheet. 1. Has any insurer ever cancelled, declined or refused to renew or imposed special conditions on any of your insurances? 2. During the last 5 years have any claims been made or threatened against you that might have been insured under the insurance policies you are applying for? 3. Are you aware of any circumstances which have already occurred that might result in a claim under the insurance policies you are applying for or are you aware of any impending infringement notice or fine under the Education and Care Services National Law or any other relevant Act? Declaration signature Date Return by post, fax or Post: PO BOX 571, Gosford NSW 2250 Fax: Family Day Care Australia ABN AFSL Family Day Care Australia Educator Insurance 13

11 Insurance Payment Options If you have selected a Kick Start Package you must pay the full amount (you cannot pay by instalments). The amount you will be charged will be based on the package you have selected and in line with the Package Pricing Chart on page 8 of this booklet. The annual full payment option is a one off payment of the premium due. The monthly instalments option is a business loan agreement between you and the Premium Funder. The loan is repaid over 10 monthly instalments and includes additional administration fees. How would you like to pay? Annual full payment Select your payment option. Monthly instalments 1. Credit Card We will debit your selected package fee from the nominated credit card. Complete and return this form. Card Type: MasterCard Visa Name of Cardholder / / / / Card Number Expiry Date / / Signature Date Signed OR 2. Bank Account Direct Debit We will debit your selected package fee from the nominated account. Complete and return this form. Name of bank Branch Branch Number (BSB) Name of account holder Account number / Signature / Date Signed OR 3. Cheque or Money Order tick the box below and return this form by post with your cheque/money order. Enclosed is a cheque/money order made payable to Family Day Care Australia. OR 4. Phone If paying by phone you do not need to complete this form. Contact Family Day Care Australia on Return by post, fax or Post: PO BOX 571, Gosford NSW 2250 Fax: Family Day Care Australia ABN AFSL Family Day Care Australia Educator Insurance 11

12 Insurance Payment Options Back 12 Family Day Care Australia Educator Insurance

13 Financial Services Guide December 2012 (V14) This Financial Services Guide (FSG) contains important information to assist you in deciding whether to use our services and includes: business ought to know, as which compliance with your duty is waived by the insurer. 1. Who we are and who we act for Non-Disclosure and Misrepresentation 2. Types of services we provide If you fail to disclose any matter, which you were under a duty to disclose to the insurer or you made a misrepresentation to the insurer before this Policy was entered into, the Insurer may be entitled to reduce its liability under the Contract in respect of a claim or may cancel the contract. If your non disclosure is fraudulent, the Insurer may also have the option of voiding the contract from its beginning. Contracts of Insurance are subject to the doctrine of utmost good faith. Failure to adhere to this may prejudice any claim. 3. Your Duty of disclosure 4. Product Disclosure Statement (PDS) 5. Insuring the interest of other parties 6. Change of risk or circumstances 7. Terms of the insurance contract 8. Insurers rights following a claim 9. Insurers 10. Access to your information 11. Payment for our services 12. Cooling off period 4. Product Disclosure Statement If you ask us to arrange personal accident insurance for carers or children, motor vehicle or home and contents insurance we will provide you with a Product Disclosure Statement (PDS) unless you already have an up to date version. It is prepared by the insurer and is designed to help you make an informed decision about the financial product. 5. Insuring the interest of other parties 14. Complaints policy If you require the interest of a party other than the named insured to be covered, you MUST request this. Most Policy conditions will exclude indemnity to other parties. 15. Insurance Brokers Code of Practice 6. Change of risk or circumstances 16. Compensation arrangements for clients losses It is important that you advise us of any location changes, business activities or any departure from your normal form of business. 13. Potential conflicts of interest 17. How to contact us 7. Terms of the insurance contract 1. Who we are and who we act for By taking out this insurance you agreed that: Family Day Care Australia Limited (FDCA) ABN AFSL is the national association for family day care. As an insurance broker we act on your behalf. a) FDCA has appointed Imalia CareCover Pty Ltd (Imalia CareCover) to act as our authorised representative (AR ). Imalia CareCover acts on behalf of FDCA, and therefore also acts on your behalf. b) You have read and understood the Payment and Instalment Plan Terms and Conditions and you agree to be bound by these Terms and Conditions. 2. Types of services we provide c) You authorise FDCA (ABN ) to give to or obtain from any relevant authority any information relating to the status of the insurances you have selected. We can provide general product advice and arrange general insurance products. Imalia CareCover is authorised to provide general advice on, and (deal) in, Public Liability Insurance, Management Liability Insurance, Personal Accident Insurance for Children and Carers, Property and Motor Insurance. Imalia CareCover carries out the day to day policy administration and management activities on behalf of FDCA. Any advice we provide is general in nature and we do not take into account your personal needs or financial objectives. Before you decide to purchase general insurance products from us you need to consider if the advice and relevant product is right for your circumstances as we have not done this. We act as a referrer only for Income Protection and Superannuation. In making any referral we do not advise or represent that their products and services are right for you and take no responsibility for the products and services they may provide to you. You need to make your own decision based on the information they provide. Premium funding is available for certain FDCA products and enables you to spread your payment over instalments rather than pay it in a lump sum; however you will have to pay a fee to the premium funder. When we offer you premium funding we act on behalf of the premium funder, not you. We do not provide personal advice or represent that any of the funder s products and services are right for you or that they are the most appropriate. You need to make your own decision based on the information provided. 3. Your Duty of disclosure Before you enter into a contract of general insurance with an Insurer, you have a duty under the Insurance Contracts Act 1984, to disclose to the Insurer every matter that you know, or could reasonably be expected to know, is relevant to the Insurer s decision whether to accept the risk of the insurance and, if so, on what terms. You have the same duty to disclose those matters to the Insurer before you renew, vary or reinstate a contract of general insurance. Your duty however does not require disclosure of any matter that diminishes the risk to be undertaken by the Insurer, that is of common knowledge, that your insurer knows or, in the course of their You have read and understood FDCA s Financial Services Guide and Duty of Disclosure, Privacy Policy and the relevant Product Disclosure Statements if Personal Accident for Children or Carers, Motor Vehicle and Home & Contents insurances have been selected. d) You understand that: i) any statement made in the application will be treated by us as a statement made by all the people insured ii) the insurance/s and membership are only valid if you are registered with an Australian Government Funded Family Day Care scheme or In-Home Care service e) If you are a FDCA member, you agree to be bound by the constitution and by-laws of FDCA f) The insurance/s and membership are non-transferable g) FDCA may retain up to $30.00 (inc. GST) for administration fees, cancellation expenses, policy variation and/or dishonour fees. 8. Insurer s rights following a claim Under the policy the insurer is entitled on the happening of any accident, injury, loss or damage to undertake in your name and on your behalf the conduct, control and settlement of any proceedings and to take proceedings at their own expense and for their own benefit but in your name to recover property or secure indemnity or contribution in respect of anything insured in this Policy. 9. Insurers Your Insurances are only arranged with Insurers that are authorised under the Insurance Act 1973 to conduct insurance business in Australia. Although the insurers are subject to the supervision of the Australian Prudential Regulation Authority (APRA), we are not in a position to guarantee that any insurer will at all times be in a position to pay claims as and when they occur and we disclaim any liability for losses that you may not be able to recover from your insurer/s. Family Day Care Australia Educator Insurance 13

14 10. Access to your information and privacy We maintain a client record which includes information about insurance policies that we have arranged for you. We are committed to protecting your privacy and only use your personal information for insurance services and to provide ancillary member services. We provide personal information to our insurers or those providing claims services, providers of ancillary member services, your family day care coordination unit, the premium funder and your landlord (if applicable). We will not trade, rent or sell your information. A full copy of FDCA s privacy policy is located on our website If you wish to examine your file or have a copy of FDCA s privacy policy mailed to you, please ask us. We require all instructions from you in writing by letter, or fax. 11. Payment for our services When we place insurance for you we receive commission from the insurer (including renewals and some variations to the policy). The commission is a percentage of the insurer s base premium (i.e. excluding stamp duty, fire services levy, GST or any other government charges, taxes, fees or levies). The commission rate varies between 0-30%. Different insurers can agree to pay us different commission rates for the same type of products. The rates also vary for each product type. FDCA pays to Imalia CareCover a fee of 30% for the policy administration and management services it provides to us. We receive between 0-30% commission from Income Protection and Superannuation referrals. The commission does not represent our profit margin as it also reimburses us for administrative and other expenses we incur in providing our services. The commission is included in the premium amount detailed on your invoice and we receive it when you pay the premium or at a later time as agreed with the insurer. You may cancel your policy at any time and under certain circumstances, you may be eligible for a refund. If you advise us in writing within 14 days of the inception date of the policy and no care has taken place, we will refund the full premiums of certain products less a cancellation fee of $ Beyond this 14 day term, Membership, Telephone Legal Advice, Personal Accident for Children and Kick Start Packages are non refundable. A proportion of your Public Liability Insurance may be eligible for refund beyond the 14 day term, less fees, commissions and government charges. No refunds are available on the Educator Management Liability Insurance Policy. We also have standard administration/policy handling fees which are charged in addition to the premium for the insurance to cover the cost of services for preparation and distribution of FDCA documentation and other services we provide to our members. The FDCA fee ranges between $0-$300 per policy and is noted in the documentation we send you. They are non-refundable. If you pay annually and cancel or vary your insurance package mid-term, FDCA will retain $25 (including GST) for our expenses in relation to the cancellation and/or variation. If we have an agreement from you to direct debit your account and the agreed payment dishonours, we will charge you $30 (including GST) for our expenses in relation to the dishonour. If you are not a member of FDCA we will charge you a non-member fee of $ to arrange your insurance packages. 13. Potential Conflicts of Interest FDCA and its staff may also receive soft dollar benefits from insurers and other service providers and can include entertainment or small gifts. There are no other associations or relationships with insurers which may influence us in providing our services. 14. Complaints Policy FDCA have developed a Complaints and Dispute Resolution Process which is fair, efficient and accessible to all our clients. If you would like to make a complaint about the services provided by FDCA or Imalia CareCover you should telephone FDCA on freecall If we are unable to resolve your complaint they will request that you put your complaint in writing for referral to the Complaints Officer. The Complaints Officer will respond to your complaint in writing no later than 10 business days, provided we have all the information necessary to deal with your complaint. If the complaint is not resolved to your satisfaction you can refer the matter to the Financial Ombudsman Service Limited (FOS) au which is a national scheme for consumers. Its aim is to resolve disputes between clients, brokers and insurance companies. Contact them at Financial Ombudsman Service Limited GPO Box 3, Melbourne VIC 3001 Telephone: E: 15. Insurance Brokers Code of Practice FDCA subscribes to the National Insurance Brokers Association Code of Practice (The Code). The code sets out standards for Brokers to follow when dealing with clients. The code is available at 16. Compensation arrangements for clients losses FDCA has a professional indemnity insurance policy (PI policy) in place. The PI policy covers FDCA, Imalia CareCover and their representatives (including ex employees and representatives) for claims made against them by clients as a result of their conduct in the provision of financial services. 17. How to contact us Family Day Care Australia Limited PO Box 571, Gosford NSW 2250 Telephone: Fax: E: W: This FSG Version was prepared on 03 December 2012 by Family DayCare Australia Limited ABN: , AFSL No: Please keep this document for your reference and any future dealings with us. All commission and fees assist to support the work of FDCA. When you pay us your premium it will be banked into our trust account. We retain the commission from the premium you pay us and remit the balance to the insurer. We may earn interest on the premium while it is in our trust account and retain any interest earned on the premium. If we arrange premium funding for you we are paid a commission of between 0-3% of the funded premium. From time to time FDCA provide sponsorship and/or financial support to various Associations and co-ordination units of up to 10% of the annual premium. 12. Cooling off period A cooling off period may apply to an insurance policy issued to you as a retail client. During the period you may return the policy. If a cooling off period applies to your policy the details of your rights are included in the relevant Product Disclosure Statement. 14 Family Day Care Australia Educator Insurance

15 Product Disclosure Statement (PDS) Group Personal Accident Policy - FDCA Personal Accident Insurance for Children Accident & Health International Underwriting Pty Limited, ABN , AFS Licence no , is an underwriting agency specifically created to provide Personal Accident, Medical and Travel insurance. They have been in operation since March 1998 and act on behalf of CGU Insurance Limited, ABN , AFS Licence no , with full authority to quote and issue contracts of insurance, collect premiums and pay claims. If you have any queries about this policy you should contact A & H International. Their contact details are in this document. The Insurer The Insurer of the Policy is CGU Insurance Limited. What is a Product Disclosure Statement This Product Disclosure Statement (PDS) contains information about the policy including the benefits and conditions, your rights as a client and other things you need to know to assist you to make an informed decision when choosing your insurance. In this PDS: we, our or us means CGU Insurance Limited; you means the person who will be named in the policy schedule as the insured and any person nominated by you from time toy time for the insurance cover selected by you and for which the premium has been paid. The type of cover chosen will be set out on the policy schedule. Key Features of the Policy We will pay you up to $10,000 for Death & Capital Benefits and $2,000 towards incidental expenses and Non-Medicare costs incurred by a child in your care or the child s family for a claim resulting from an accident during the currency of the policy. The accident must occur to a child while under the care of a registered Family Day Care or In-Home carer, and the expenses must arise within twelve (12) calendar months from the date of the accident. The Most We Will Pay The most we will pay for all claims under this Policy during any period of insurance is set out under the Limit of Liability in the policy schedule. Once the Limit of Liability has been paid, you will need to pay us further premium to reinstate the policy cover. What You Are Not Covered For There are certain times when there is no cover under the Group Personal Accident policy which means we may refuse to pay your claim. Specific Exclusions are listed in the Policy Wording. The Cost of Your Policy and Paying For Your Insurance The cost of your policy will be shown on the quotation provided, once all required information has been received. The cost of your policy is calculated based on number of persons involved, claims experience and other information relative to the particular risk. The cost of the policy is made up of premium, government taxes such as Goods & Services Tax (GST) and stamp duty, where applicable and fees. Your Duty of Disclosure When you apply for insurance you need to tell us certain information which would affect our decision to insure you. If you do not give us this information it may affect your policy. The duty of disclosure appears in full below; please ensure you read this duty. The duty of disclosure notice will also appear on your renewal invitation and the duty of disclosure also applies to any endorsements or variations you ask for. Before you enter into a contract of general insurance with an insurer, you have a duty, under the Insurance Contracts Act 1984, to disclose to the insurer every matter that you know, or could reasonably be expected to know, is relevant to the insurer s decision whether to accept the risk of the insurance and, if so, on what terms. You have the same duty to disclose those matters to the insurer before you renew, extend, vary or reinstate a contract of general insurance. Your duty however does not require disclosure of matter: that diminishes the risk to be undertaken by the insurer; that is of common knowledge; that your insurer knows or, in the ordinary course of his business, ought to know; as to which compliance with your duty is waived by the insurer. Non disclosure If you fail to comply with your duty of disclosure, the insurer may be entitled to reduce his liability under the contract in respect of a claim or may cancel the contract. If your non-disclosure is fraudulent, the insurer may also have the option of avoiding the contract from its beginning. Making A Claim and Your Franchise Amount A franchise amount applies if you make a claim under this policy. A franchise means that any claims under the franchise amount will not be paid, but if the claim is greater than the franchise amount, the entire claim will be paid. The franchise amount is stated in the Schedule. If you need to make a claim please send a written notice of claim to A & H International within 30 days of the date of the Injury occurring. A & H International will send you a copy of their claim form which will need to be fully completed. We will not be responsible for any payments under the policy unless this form is fully completed and returned. Any costs involved in the collection of information for the form are your responsibility. Cooling-Off If you decide that you do not want the policy, you have a cooling off period of 21 days from the date the policy was issued to cancel the policy. You must tell us in writing that you wish to cancel the policy and we will repay the full amount of premium to you. You cannot use this cooling-off period if the policy has already expired or if you have made a claim under it. Dispute Resolution We and A & H International will do everything possible to provide a quality service to you. If you have any concern or complaint A & H International staff are always available to listen to you and to help where they can. If, after talking to a staff member, you wish to take the matter further, A & H International has a Complaints and Dispute Resolution Procedure which undertakes to provide an answer to you within fifteen (15) working days. Please contact the Disputes Resolution Manager see contact details in this Product Disclosure Statement. If you are not happy with any decision and it relates to a claim, you may take your complaint to the Financial Ombudsman Service Limited (FOS), an independent and external dispute resolution body subject to eligibility. Access to the FOS process is free of charge to you. Please contact A & H International if you would like further information about the FOS or contact: Financial Ombudsman Service Limited; GPO Box 3. Melbourne VIC Telephone: Web: Privacy We are committed to protecting your privacy. We use the information you provide us to quote on your application for a policy, to provide the insurance, administer the policy and assess and manage any claims. We only provide personal information to our underwriters and reinsurers (and their representatives) and those we appoint to assist us with claims under your policy. If you do not provide us with full information, we cannot properly quote for your insurance and we cannot insure you. You can check the personal information we hold about you at any time. Such application should be directed to A & H International in writing where it will be considered by their internal Privacy Disputes Department. If you provide us with personal information about anyone else, we rely on you to have their consent if you will be providing their information to us, and that you have told them to whom we may provide it, the purposes for which we will use it and that they can access it. If the information is sensitive, we rely on you to have obtained their consent on these matters. For more information about our Privacy Policy, please visit our website to obtain a copy: Contact Details Accident & Health International Underwriting Pty Limited ABN AFS Licence No: Level 4, 33 York Street SYDNEY NSW 2000 Telephone: (02) Fax: (02) Website: The Insurer CGU Insurance Limited ABN AFS Licence No: George Street SYDNEY NSW 2000 Telephone: Website: This Product Disclosure Statement was prepared on 1st November A&H International are authorised to distribute this Product Disclosure Statement. Family Day Care Australia Educator Insurance 15

16 Family Day Care Australia Limited PO Box 571Gosford NSW 2250 Tel I Fax Family Day Care Australia Educator Insurance EIIAB0113

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