Masterpiece Signature Personal Insurance

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1 Masterpiece Signature Personal Insurance Supplementary Product Disclosure Statement Issued 11 May 2015 This is a Supplementary Product Disclosure Statement (SPDS) which provides information about important changes to Your Chubb Masterpiece Signature Product Disclosure Statement (PDS) and Policy Wording dated 6th December It is to be read together with the Masterpiece Signature PDS and Policy Wording dated 6th December Terms in the PDS and Policy Wording have the same meaning in this SPDS. You should keep these documents in a safe place. This supersedes the SPDS issued on 21 April Following are the changes in the Masterpiece Signature PDS: 1) The sections entitled Duty of Disclosure What We need You to tell Us and Non Disclosure on page PDS 3 are amended to read: Duty of Disclosure It is important that You understand You are answering Our questions for Yourself and anyone else that You want to be covered by the Policy. This duty applies until (as applicable) We first agree to insure You, or We agree to any variations, extensions, reinstatements or renewal. Your duty of disclosure when entering into an insurance contract Before You enter into an insurance contract with Us, You have a duty of disclosure under the Insurance Contracts Act 1984 (Cth) to answer specific questions We ask You that are relevant to Our decision to insure You and, if so, on what terms. You must answer those specific questions by telling Us anything that You know and that a reasonable person in the circumstances would include in answering the questions. Your duty of disclosure when renewing an insurance contract Where We offer to renew Your insurance contract, We may, in addition to or instead of asking specific questions, give You a copy of anything You have previously told Us and ask You to tell Us if it has changed. If We do this, You must tell Us about any change or tell Us that there is no change. If You do not tell Us about a change to something You have previously told Us, You will be taken to have told Us that there is no change. Your duty of disclosure when varying, extending or reinstating Your insurance contract For variations, extensions or reinstatements, You also have a broader duty to tell Us anything that You know, or could reasonably be expected to know, may affect Our decision to insure You and, if so, on what terms. What You are not required to disclose You are not required to disclose any matter: 1. That diminishes the risk to be undertaken by Us; 2. That is of common knowledge; 3. That We know or should know in the ordinary course of the insurance business; 4. Where We waive Your duty of disclosure.

2 Non disclosure and its consequences If You fail to comply with Your duty of disclosure We may be entitled to reduce the amount We would pay You if You make a claim, cancel Your insurance contract, or both. Fraudulent non disclosure and its consequences If Your non disclosure is fraudulent, We may refuse to pay Your claim and treat the contract as if it never existed. 2) The section entitled Our Privacy Policy on page PDS 4 is amended to read: Our Privacy Policy statement is readily available on Our website at The Privacy Policy contains information on how You may access Your personal information held by Chubb and how to seek correction of such information. It also provides information on how You can make a complaint against Chubb for a breach of the Australian Privacy Principles (APPs), or registered APP code(s), if any, that bind Chubb. On request, We can provide You with a copy of Chubb s Privacy Policy. 3) The section entitled Chubb s disclosure of personal information on page PDS 4 is extended to include the following: To assist Us in providing insurance services to You, We may transfer personal information overseas to the types of organisations listed above in Hong Kong, Canada, China, India, Singapore, Thailand, the United Kingdom and the United States of America.. 4) The section entitled The General Insurance Code of Practice on page PDS 4 is amended to read as follows: We are a signatory to the General Insurance Code of Practice (Code). The Terms of the Code require Us to be open, fair and honest in our dealings with You. The Code outlines the standards by which We have agreed to deal with You in relation to buying insurance, claims handling, complaint resolution as well as standards for Our employees, authorised representatives and Our service suppliers, financial hardship, information and education and access to information. The Code aims to: Commit Us to high standards of service. Promote more informed relations between You and Us. Promote trust and confidence in the insurance industry. For more information and a copy of the Code please visit the Insurance Council of Australia s website at or 5) The section entitled Cooling Off Period on page PDS 5 is amended to read as follows: You have 21 days to consider the information contained in Your Policy. This is Your cooling off period. If You would like, and provided You have not made a claim under Your Policy, You have the right to cancel Your insurance. We will refund in full any premium You have paid. To exercise this right You must notify Chubb in writing or electronically within 21 days from the date Your Policy first takes effect. 6) The section entitled Dispute Resolution on page PDS 5 and PDS 6 are amended to read as follows: Complaint Resolution Our complaints resolution process is divided into three (3) stages. Stage 1 is the first review. Stage 2 is internal dispute resolution and Stage 3 is referral to external dispute resolution with the Financial Ombudsman Service (FOS). At every stage We will provide You with written reasons. Stage 1 We will respond to Your complaint within 15 business days of receipt of Your complaint, provided We have all necessary information and have completed any investigation required. We will keep You informed about the progress of Your complaint at least every 10 business days during Stage 1, unless You agree to extend that period.

3 We will advise You of Your right to take Your complaint to Stage 2 if We: cannot respond to You within 15 business days because We do not have all necessary information; or have not completed Our investigation, and cannot reach an agreement with You on an alternate timetable. Stage 2 Internal Dispute Resolution If Our Stage 1 decision does not resolve Your complaint to Your satisfaction or if You advise Us that You wish to take Your complaint to Stage 2, Your complaint will be reviewed by Our Internal Dispute Resolution Panel (IDR Panel). Our IDR Panel is comprised of employees with the appropriate experience, knowledge and authority to consider and resolve Your complaint. The IDR Panel personnel will not be the same people who was/were involved in the Stage 1 review and decision. Once transferred to Stage 2, We will respond within 15 business days, provided We have all necessary information and have completed any investigation required. We will keep You informed about the progress of Our review at least every 10 business days during Stage 2. We will advise You of Your right to take Your complaint that falls within the FOS Terms of Reference to Stage 3 if We: cannot respond to You within 15 business days of the date Your complaint is referred to Stage 2 because We do not have all necessary information; or have not completed Our investigation, and cannot reach an agreement with You on an alternate timetable. Stage 3 External Dispute Resolution with the FOS Where the Complaint falls within the FOS Terms of Reference and at the conclusion of Stage 2 You are not satisfied with the outcome of Your complaint or if We do not resolve Your complaint within 45 calendar days of the date We first received Your complaint, You or a third party may refer Your complaint to the FOS. FOS offers a free review service for complaints which fall within their Terms of Reference. External dispute resolution determinations made by FOS are binding upon Us. Where the FOS Terms of Reference do not extend to Your complaint, We will notify You of the right to seek independent legal advice or give You information about other external dispute resolution options (if any) that may be available. You can contact FOS as follows: By Phone: By Mail: Financial Ombudsman Service. G.P.O. Box 3, Melbourne, VIC Information on the FOS may be obtained from its website at The above Complaint resolution procedures do not apply where: We resolve the complaint to Your satisfaction by the end of the 5th business day after receipt of the Complaint by Us; and no written response has been required. You can contact Us in the following ways: By Phone: By Mail: Complaints Chairman Level 29, 2 Park Street, Sydney, NSW, 2000 By Information on Our complaints resolution process may also be obtained from Our website at

4 7) The following section is added to the PDS: Key Facts Sheets Where required by law, Chubb will provide Key Facts Sheets (KFS) on request from consumers or their insurance brokers in respect to home building and home contents policies which offer coverage for destruction, loss of or damage to residential property or contents. Chubb may provide the KFS by electronic means. Each KFS is a separate document from Our PDS and a current copy of each KFS will be available on Our website at from the relevant date. 8) The Medicare benefit exclusion on page R8 of the Family Protection cover is replaced with the following: We will not pay medical expenses incurred in respect of the rendering in Australia of a professional service for which a Medicare benefit is payable, nor which We are prohibited by law from paying by virtue of the National Health Act 1953 (Cth), Health Insurance Act 1973 (Cth), Private Health Insurance Act 2007 (Cth) and Private Health Insurance (Health Insurance Business) Rules 2010 or any similar legislation. 9) The Extra Coverage entitled Workers Compensation on page T2 is amended to read: Where a domestic worker You employ is injured while working for You, We will indemnify You for the amount You are liable to pay under the Western Australia Workers Compensation and Rehabilitation Act 1981 or under common law (Common Law limit of $50,000,000). We will not pay for domestic workers who are employed or subcontracted by a company that provides domestic services or workers who are working for You in Your own business, trade, or profession. This coverage is provided under the wording of Allianz Australia Insurance Ltd s current Employers Indemnity Policy Wording under the Western Australia Workers Compensation and Rehabilitation Act 1981 as advised by Allianz Australia Insurance Ltd ABN AFSL to Us from time to time. We are not an authorised workers compensation insurer and do not provide workers compensation insurance. 10) The exclusion entitled Domestic employees on page T7 of the Policy wording is amended to read as follows We do not cover any damages or compensation a covered person is legally obligated to provide under any workers compensation, disability benefits or other similar laws. This exclusion does not apply to covered losses under the Extra Coverage Workers Compensation on page T2 11) The subheading Disclosure reminder on page Y1 is amended to read: When responding to specific questions, We would remind You that You must disclose to Us, fully and faithfully, the facts You know or ought to know, otherwise You may not receive any benefit from this Policy. 12) The subheading Additions, alterations and renovations on page Y1 is amended to read: Your duty of disclosure also arises at the time You inform Us of any additions, alterations or renovations to Your house or other permanent structures. We will ask You specific questions that are relevant to Our decision whether to accept the increased risk of the insurance and, if so, on what terms. You must answer those questions by telling Us anything that You know and that a reasonable person in the circumstances would include in answering the questions. If You inform Us of any additions, alterations or renovations during the policy term, You also have a broader duty to tell Us anything that You know, or could reasonably be expected to know, may affect Our decision to insure You and, if so, on what terms. If You fail to comply with Your duty of disclosure, We may be entitled to reduce Our liability under Your Policy in respect of a claim or We may cancel the Policy or do both. 13) The Policy Condition entitled Conforming to trade sanction laws on page Y2 is amended to read: This Policy does not apply to the extent that trade or economic sanctions or other laws or regulations prohibit Us, Our parent company or Our ultimate controlling entity from providing the insurance. 14) The Property Condition entitled Other insurance on page Y2 is amended to read: If at the time of an occurrence under this Policy there is any other insurance covering the same loss, damage, accident or liability or any part thereof, You will give Us written notice as soon as practicable after the loss, damage, accident or liability occurs and provide Us with any assistance in respect to any recovery under that other insurance or insurances effected covering the loss, damage, accident or liability.

5 15) The Special Condition entitled Acts or omissions on page Y5 is deleted. 16) Condition entitled Refund on page Y5 is amended to read as follows: In the event of cancellation by You or by Us, We will refund any unearned premium on the effective date of cancellation, or as soon as possible afterwards. The unearned premium will be computed pro rata for the unexpired term for each part of this Policy. A refund of premium will only be made where no claim has been made on the Policy. This SPDS is dated 11 May Chubb Insurance Company of Australia Limited Brisbane Level 13, 40 Creek Street, Brisbane QLD 4000 Tel Melbourne Level 14, 330 Collins Street, Melbourne VIC 3000 Tel Perth Level 1, 225 St Georges Terrace, Perth WA 6000 Tel Sydney Level 29, 2 Park Street Sydney, NSW, 2000 Tel For promotional purposes, Chubb and Chubb Insurance refers to member insurers of the Chubb Group of Insurance Companies. Coverage is issued by Chubb Insurance Company of Australia Limited, ABN , AFS Licence Number This material contains general information only and may not suit your particular circumstances. The precise coverage afforded is subject to the statements and information in the relevant Product Disclosure Statement (PDS) and the terms and conditions of the insurance policy when issued. Before deciding to acquire any insurance product, you should obtain and consider the relevant PDS available at

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