Questions and answers from the customer meetings on 12 February

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "Questions and answers from the customer meetings on 12 February"

Transcription

1 Questions and answers from the customer meetings on 12 February These questions were asked at our customer meetings on 12 February. We re now providing more detailed responses, which may be of interest to more of our customers. We ve categorised the questions into seven categories: detailed repair/rebuild analysis (DRA), EQC joint review, red zone, repair/rebuild, build contract terms and conditions, disputes and other. Detailed Repair/Rebuild Analysis (DRA) Does Southern Response guide engineers about what solutions they should provide or is the outcome purely their opinion? The solutions our engineers provide are purely based on their professional opinion and expertise. All solutions offered will meet the Building Code and other relevant legislation. Is it Southern Response s policy to be open with their clients and provide detailed information about dollar amounts? It s our policy to provide an overall amount to rebuild your house rather than provide a detailed list of costings such as door handles and taps etc. If requested, we can provide a cost construction breakdown of costs from the DRA which will enable a quantity surveyor to review our cost estimate in detail. If Southern Response offers cash settlement, do you pay cash or do we do the repairs ourselves and then you pay the bills? If you accept our cash offer, you (or your bank if you have a mortgage) will receive the cash amount and it becomes your responsibility to do the repairs. We are required to advise AMI that you have taken a cash settlement. Will the budget that was assessed a year ago increase with the escalated building costs especially if you end up at the end of the build queue? If you are in the build queue we will assess and address any applicable escalation. This will be calculated when the design of your property starts (around three months before construction starts). We have a 22 year old house with Hardie cladding and a Rockcote cover that is cracked and has some water issues but we had a water ingress report done that showed the house was fine. Are you trying to get out of paying claims by saying that houses are leaky and that we have to fix and pay for damage ourselves? I had to get a lawyer to help me with Southern Response and the outcome of the meeting with Southern Response was that I was forced to take a cash settlement. Is that common practice? Under your AMI policy, if your house is damaged and can be repaired, there are two settlement options available to Southern Response. The first is to repair any insured loss or damage and the second is to pay you the cost to repair the insured loss or damage. We will meet claims for the insured loss or damage (earthquake), but we will not pay for or respond to actual or potential historical water ingress issues that are not connected with the earthquake damage.

2 Why is the costing of a geotechnical and engineer s report not included in a DRA? Southern Response instructs Arrow to provide an indicative cost estimate to rebuild or repair your existing house. If you elect to build, we will pay for additional costs as they are necessarily incurred, including geotechnical and structural engineering advice. Joint review If an EQC pay-out is higher than Arrow intends to spend on a repair, can customers negotiate cash payment for out of scope work if they decide not to get Arrow to do their work? Yes, cash settlements are available for out of scope work. If there s an over cap payment from EQC, will a joint review be necessary? Not necessarily. However most houses have been damaged by multiple events - predominantly the September 2010 and February 2011 earthquakes. This means that Southern Response and EQC have to establish contributions for each event and a joint review may be necessary to do that. If a customer receives payments for multiple events from EQC and is still over cap, do they still need a joint assessment? In some circumstances, Southern Response and EQC may still need to assess their respective contributions for each event particularly when EQC changes its assessment. Southern Response has approx 600 claims held up in apportionment. Most of these assessments are based on DRAs done before the new DBH guidelines were issued and before the cost of land remediation and foundation repairs were known. What s Southern Response doing to correct these scopes of works to help people through the apportionment hurdle? We have a good relationship with EQC and we have specialised teams working with EQC to reach resolution on apportionment. Resolution of apportionment issues between EQC and Southern Response should not be a barrier for customers making a decision. Any additional scope of work will be for foundations and these can be costed separately. Red zone Have all red zone properties been settled? If not, what percentage has been settled? We ve provided offers to 98% of our customers with properties in the red zone. Not all red zone properties have been settled yet but a high proportion have been. What does offered a settlement mean? I ve received a DRA and given feedback on it so am I part of that 98%? No you would not be part of that 98%. We consider that you have been provided an offer when you receive a decision pack, but we recognise that being offered a settlement doesn t mean acceptance. How can customers know their full entitlement if Southern Response doesn t disclose the amounts/breakdown with repairs in the red zone? When will Southern Response come up with a

3 settlement offer for red zone customers in regards to the government s initiative to giving various deadlines? It s our policy to provide an overall amount to rebuild or repair your house, not to list detailed costings such as door handles, taps etc. If requested, we can provide a construction breakdown from the DRA which would enable a quantity surveyor to review our cost estimate in detail. If you have not received an offer, it will be for some other reason that we are happy to discuss with you. I d like Southern Response to make a statement on the red zones. How can Southern Response cost something the government says can t be occupied - why aren t you offering total loss? How come Southern Response is still costing red zone properties if the government said it s not economical to repair them? Your insurance policy responds to physical loss or damage to your house and earthquake damage in the circumstances. The decision by the government to offer to purchase red zone properties, rather than repair wider damage to land and infrastructure is not part of your insurance policy response. How can Southern Response make a viable offer to repair in the red zone when you re not going to do it? Repairs could be completed to a red zone repair property and that is the basis of the assessment (or cash settlements offered for those repairs at Southern Response s discretion). Southern Response is required to repair my house to a consentable standard. Repairs could be completed to a red zone repair property at the customer s request (or cash settlements offered for those repairs at Southern Response s discretion). A building consent can be obtained from the Christchurch City Council, for the repairs and to meet the Building Code and other relevant legislation. Repair / rebuild Does a customer have to accept a repair even if they re over cap and hold a full replacement/as new policy? A full replacement policy means full replacement of the insured loss or damage to your house the damage may not necessarily be to the whole house. Arrow assesses the extent of the earthquake damage to your house and if it s economically repairable we ll repair it, even if you have a full replacement policy. If a claim was originally assessed as a rebuild and is one of the 8% that s been changed to a repair, can the customer get independent advice? You re welcome to seek independent advice (at your expense) at any time and we ll take your documentation into consideration. During the process of a repair or rebuild, are customers allowed to access, examine or photograph any of the construction taking place? Yes, as long as you have a suitable health and safety induction to go on-site. Before a rebuild or repair starts, there is a homeowner health and safety induction. If you d like to go on site, please talk to your Arrow project manager who will liaise with the contractor(s) to arrange a date and time. What if the new land we purchased is smaller than our existing red zone property and our house design needs tweaking to fit the land. Who pays for the plans?

4 Southern Response pays to have your build plans designed to fit your new section size. The contribution we make for design will be in line with the amount that we would have paid to rebuild your previous house. Which is best to follow - Replicate to Policy or Build to Budget? This is your choice and depends on your preferences and circumstances. We recommend you visit our website for further information to help you make your decision. When can we start the pre-design process so we can get our rebuild started? Your house goes into the build queue when you make your formal settlement election to build with Southern Response and Arrow. We will soon be writing to customers who have made a formal settlement election, advising them of the six month period when we expect to begin the design phase of their home. When your project reaches this point, we will contact you to start design and documentation, followed by the build itself. What is Southern Response s approach to ongoing damage while we wait for repairs? What does a customer have to do to ensure they re not told the damage is pre-existing? Please let us know immediately if you have further significant damage occurring while you re waiting for repairs, for example water getting in through earthquake damaged areas. Arrow will assist Southern Response with further damage mitigation measures and will make an appropriate assessment as to whether the damage is pre-existing. If you use Arrow as your project manager and more earthquake damage is discovered after repairs have already started, will that be covered? And what if we discover further earthquake damage ourselves but we re not using Arrow to manage our repairs, will you also cover this? If you use Southern Response to project manage your repairs we ll cover any previously unseen earthquake damage discovered as part of the repair process. If you choose to take a cash settlement to do your own repairs, you ll have to pay for any previously undiscovered damage. Are the higher foundation costs for TC3 land reflected in the DRA? What happens if customers take a cash settlement and then discover that the foundation costs are a lot higher than expected? The DRA is based on the cost of your previous house (including existing foundations). If you ve already settled with us, are not building with Southern Response, and then discover additional costs (such as more expensive foundations), these won t be covered by Southern Response. Prior to electing a cash settlement for a self managed build, we ll ask you to supply a signed build contract. We also cover additional costs such as compliance costs. These must be itemised for our consideration before they are incurred. Are people at the end of the build queue more likely to be changed from a rebuild to a repair because of the escalating building costs? No, because escalating building costs affect both the cost of repairs and the cost of rebuilds. As a matter of policy, we will not be changing to a repair for this reason. Can customers cash settle and do their own rebuild on their site? Yes, this is known as a self-managed build. If through the joint review process Southern Response knows there s clearly more damage than EQC is taking responsibility for, will you debate this for us?

5 We do everything we can to ensure earthquake damage is identified appropriately for you. Our new policy is that we will take responsibility once we are satisfied it is over cap. What portion of an EQC land payout is payable to Southern Response - is it for the entire section or just the footprint the house actually sits on? Can we keep a portion of it? Rather than waiting for EQC to give you a settlement payment for your land remediation, if we require you to assign your EQC land claim to us using a Deed of Assignment (and give us or commit to us your settlement payment if you have already received it from EQC) we can address the impacts of land damage at the same time as we build your house. We will address the building platform to ensure that when we reinstate the house, it will be to a code compliant standard. We may also do other incidental work required to remediate your land at the same time. There is no requirement to pass over your EQC land claim or land payment to Southern Response, but if the payment is required to remediate the land for the building platform and you do not want to do this, we will not be able to progress your build. Who decides the overall DRA figure and if we request itemised costings for that figure, will Southern Response provide those? The overall DRA figure is approved by Southern Response. If requested, we can provide you with a cost construction breakdown on a room-by-room basis. We will not produce an itemised breakdown list. If you require one, we suggest you have your own assessment undertaken and the parties can then compare. Does Build to Budget include fences and driveways? Yes, fences and driveways are included in the budget. We re in TC3 and in the process of Building to Budget but aren t being offered an option on our cladding and roof. We would have preferred Replicate to Policy over Build to Budget. If you are rebuilding you can choose either Build to Budget or Replicate to Policy. Build to Budget gives you flexibility where your land requires a building solution that is different to what you had previously. Brick and tile construction cannot be supported by the foundation options currently available in some TC3 land areas. If you still want brick and tile on TC3 land, we will build this for you, but others may be put ahead of you in our build queue while we wait for the development of economically viable foundation solutions to support heavy designs. Will Southern Response pay escalation costs? We will pay escalation costs as necessary and justified. However, if you advise us that you re choosing not to build for another three years, for example, we won t pay any escalation costs. Is Southern Response giving itself discretion where you should be providing escalation? If the cost to rebuild or repair your previous house has increased from our previous assessment, we ll pay escalation costs. Does the final number on the DRA include the costs for the design and consents process? The offer presented to you includes consenting fees but not design. If we decide to take a pay out, do we end up paying for the design and consent costs?

6 We cover additional costs such as compliance and design costs but they need to be itemised for our consideration before they are incurred. Prior to electing a cash settlement for a self managed build, we ask you to supply a signed build contract. If you have already settled with us then discover additional costs, these won t be covered by Southern Response. Is Southern Response getting volume discounts on consents and are those processes likely to cost more for us as individuals? We pay the same as everyone else for council building consents. Can we see the budget before making the choice between Replicate to Policy and Build to Budget? While the final budget to build with us may not be known until late in the process, the signed DRA can be used as a guideline. We encourage our customers to make the choice between Replicate to Policy or Build to Budget as early as possible. If we elect to move to a different site, would the contribution include the potential for a very expensive foundation on TC3 land? The offer presented to you will be based on the costs of your existing dwelling (including existing foundations). If you elect to build on another site, reasonable additional foundation costs will be considered for the new site. These costs need to be necessary and incurred. If at a joint review EQC says it s under cap and the insurance company says it s over cap, and EQC maintains the claim and does the repairs, some people are getting letters from their insurance companies saying that s the end of their insurance cover. Is AMI doing that? Southern Response is not able to answer on behalf of AMI. Please refer queries about ongoing insurance to AMI for response. What if EQC says our house is a rebuild and Southern Response says it s a repair? We will check the EQC assessment and review our scope of works when the claim goes through the joint review process. Arrow will re-scope the property during the design phase of your repair to confirm our methodology is correct at the time. How is Southern Response able to negotiate a group home price? Some early damage assessments identified a number of properties that had been recently built by group home construction companies. This allowed the assessment of these properties to be completed quickly and a rebuild offer presented. The remaining claims from these group home assessments, that have not yet been settled, will receive a new costing. Other Is Arrow incentivised in their contract with Southern Response to make savings and bring repairs and rebuilds under budget? Arrow, like Southern Response, is incentivised to expedite claims settlement and deliver rebuilds and repairs as soon as practicable and to having costs on budget. Settlements are based on the assessed cost of repair/rebuild.

7 If you re in a cross lease section and share your driveway with three other parties - which all have different insurers - how does it work? In a cross lease situation where there s damage to a shared driveway, you need agreement from your neighbours about what they want to happen, who is going to pay what share of the damage and what sort of replacement materials you want. We can act as the lead insurer for you and contact your neighbours insurance companies, so please contact us if you re in this type of situation. If you and your neighbours would prefer, we can cash settle your claim. Is the billion dollars which the government agreed to help fund only for Southern Response or also for EQC? It s exclusively for Southern Response. Peter Rose in his presentation states that the philosophy behind decisions is that Southern Response doesn t want houses that are substandard to remain when they should be destroyed when in fact as claims are being settled Southern Response is on-selling salvage rights to demolition companies. The companies are not demolishing the homes but are reselling them. Why is Southern Response allowing this when these homes structures have been compromised? A house that is uneconomic to repair will be assessed for demolition or salvage - either in whole (relocation) or in part. Only a small number of houses will meet the standard required to relocate and these houses then require professional engineering and appropriate council consents. Structurally unsound buildings are unlikely to withstand a move or be fixed. If a house is relocated, the contractor must meet required legislative health and safety standards. Disputes What does a customer do if Southern Response refuses to give them a letter of deadlock from which to progress to the Ombudsman in the case of dispute? To give you a letter of deadlock we have to have reviewed your file completely and reached an impasse from which we cannot resolve your claim dispute issues. We have an obligation to make every effort to resolve the dispute by reviewing all information and making a final claim settlement offer to you before issuing a deadlock letter. If you then choose to seek an Insurance and Savings Ombudsman review, all of the file information and reasoning for our offer is made available to the Ombudsman to review. Will Southern Response be abiding by the Ombudsman s rulings and who will determine whether outcomes are fair? We re part of the Insurance and Savings Ombudsman scheme and our obligation is to accept their decision. Customers don t have to accept the Ombudsman s decision and have the right to go to the Disputes Tribunal, District or High Court and present their case. Is Southern Response s disputes resolution process only available when we go into deadlock and is it only an option when Southern Response has made us a cash offer? If you haven t been able to resolve your dispute with the pod handling your claim, you must apply in writing to request a review under our formal disputes resolution process. This can be done at any time and relates

8 to any settlement option or can be for a policy interpretation dispute. If you wish to use the Insurance and Savings Ombudsman Scheme, we must issue a letter of deadlock first. Build contract terms and conditions Southern Response s contract allows Arrow to change the scope of works without consultation with the home owner. What assurance can you give customers that the scope of work won t be changed just to save costs? Our assurances to you during the build process are recorded in our Memorandum of Understanding for building. This sets out how we will build for you and confirms that we will consult with you before instructing the contractor to make changes. If the scope of works needs to be changed before the build work commences, we ll discuss that with you. Ultimately your protection is through our agreement to honour your insurance policy commitments. Why doesn't the Southern Response contract reflect this? It s seriously weighted in Southern Response/Arrow s favour. Southern Response is charged with instructing the contractor and assessing any required action, but the Memorandum of Understanding we sign with you makes it clear that we ll consult with you before making any decision. Southern Response needs to look at the contract and see that so many of its repairs are locked in the documentation phase. We don t believe contract issues are a significant factor delaying claim progress. Temporary accommodation How flexible is the temporary accommodation situation going to be given the absolutely critical rental situation in Christchurch is only going to get worse? Is it possible for Southern Response to pay the temporary accommodation allowance in a lump sum or be more lateral thinking in order to give people more choices, i.e. staying in caravans, buses, portable buildings? If you have elected to build with Southern Response and want to purchase a relocatable building, campervan or an additional property to use as your temporary accommodation, you can request a cash settlement for this. We need to reach agreement around the expected duration of your repair or rebuild in order to work out a settlement figure. This cash settlement may be capped at a percentage of your entitlement because you retain the residual value of the purchased item after you return to your home. Full evidence of purchase and ownership will be required.

EARTHQUAKE UPDATE. Your claim settlement options. Starting repairs and rebuilding. The good news... PERSONAL INSURANCE DECEMBER 2011

EARTHQUAKE UPDATE. Your claim settlement options. Starting repairs and rebuilding. The good news... PERSONAL INSURANCE DECEMBER 2011 EARTHQUAKE UPDATE PERSONAL INSURANCE DECEMBER 2011 Welcome to our December Customer Update. Many people have told us that they found the information in the November Update helpful which is really good

More information

Repairing and rebuilding multi-unit residential buildings

Repairing and rebuilding multi-unit residential buildings Introduction The Ministry of Business, Innovation and Employment (MBIE) has released technical guidance on repairing and rebuilding multi-unit residential buildings in Canterbury. The guidance applies

More information

Westpac Home, Contents and Vehicle Insurance Frequently asked questions:

Westpac Home, Contents and Vehicle Insurance Frequently asked questions: Westpac Home, Contents and Vehicle Insurance Frequently asked questions: I have already made a claim for damage; if my property suffers additional damage from another aftershock do I need to claim again?

More information

Selected Homeowner EQ Insurance Issues. Dr Duncan Webb

Selected Homeowner EQ Insurance Issues. Dr Duncan Webb Selected Homeowner EQ Insurance Issues Dr Duncan Webb Delay Insurer must settle claim within a reasonable time. Alleged roadblocks: Regulation (red zone review, MBIE guidelines, s 124 notices, consenting)

More information

Your home: the next steps

Your home: the next steps Your home: the next steps Property Address Pack Delivery Date Practical Completion Date Defects Liability Period Finishes Moving Forward Contains useful general guidance for what to do now your earthquake

More information

Canterbury earthquake update

Canterbury earthquake update Canterbury earthquake update Important information for NZI customers Please file this somewhere safe so you can refer to it throughout the claims process. July 2011 Earthquake update We ve recommenced

More information

Technical categories and your property

Technical categories and your property Technical categories and your property Information about residential green zone technical categories December 2011 Outline of land assessments Assessment of the land is undertaken by a range of organisations

More information

The legalities of the property landscape.

The legalities of the property landscape. The legalities of the property landscape. Three years down the track from the earthquakes and there are still just as many questions about buying or selling a house in Canterbury. The issues aren t any

More information

InsuranceWatch.org.nz

InsuranceWatch.org.nz InsuranceWatch.org.nz Summary of Major Points of Interest from AA/SIS Meeting August 8th 2012, Samoan Church Hall, Vili Place, Woolston More than a dozen AA/SIS representatives from Christchurch and Auckland

More information

LIFETIME MORTGAGE LUMP SUM

LIFETIME MORTGAGE LUMP SUM LIFETIME MORTGAGE LUMP SUM Terms and Conditions (version 5) This is an important document. Please keep it in a safe place. LV= Lifetime Mortgage lump sum Terms and Conditions Welcome to LV=, and thank

More information

Your Preserved Right to Buy or Right to Acquire Your Home

Your Preserved Right to Buy or Right to Acquire Your Home Your Preserved Right to Buy or Right to Acquire Your Home Your rights under the Housing Act 1985 (as amended) as applied by the Housing (Preserved Right to Buy) Regulations 1993 and the Housing Act 1985

More information

Community workshops for red zone residents October 2011

Community workshops for red zone residents October 2011 Community workshops for red zone residents October 2011 Workshop notes banking Many questions were received at the workshops about: Interest rates Bridging finance rates and terms Affordability of new

More information

LIFETIME MORTGAGE LUMP SUM

LIFETIME MORTGAGE LUMP SUM LIFETIME MORTGAGE LUMP SUM Terms and Conditions (version 4) This is an important document. Please keep it in a safe place. LV= Lifetime Mortgage lump sum Terms and Conditions Welcome to LV=, and thank

More information

AMI's Response to CanCERN's Questions July

AMI's Response to CanCERN's Questions July CanCERN member Questions and Statements in Black. AMI's Responses in Yellow Please note that there are a number of questions that refer to specific claims which could not be answered by AMI. These unanswered

More information

Approved Dispute Resolution Schemes: Minimum Compensation Cap for Insurance Disputes

Approved Dispute Resolution Schemes: Minimum Compensation Cap for Insurance Disputes Approved Dispute Resolution Schemes: Minimum Compensation Cap for Insurance Disputes Submission by: Insurance Brokers Association of New Zealand Inc. No Questions: Submission 1. Do you agree with this

More information

The Canterbury earthquakes have created many new scenarios that insurers have to interpret and respond to, including land zones and notional builds.

The Canterbury earthquakes have created many new scenarios that insurers have to interpret and respond to, including land zones and notional builds. Legal Precedents The Canterbury earthquakes have created many new scenarios that insurers have to interpret and respond to, including land zones and notional builds. The High Court has heard several cases

More information

Memorandum of Mortgage

Memorandum of Mortgage Memorandum of Mortgage Form of registrable memorandum MEMORANDUM NUMBER 2012/4308 Section 155A, Land Transfer Act 1952 BARCODE Class of instrument in which provisions intended to be included: Mortgage

More information

Cash Settlements for Residential Insurance Claims

Cash Settlements for Residential Insurance Claims Cash Settlements for Residential Insurance Claims This document is based on feedback InsuranceWatch has received. Our experience indicates that professional advice and support can make a significant difference

More information

Questions from the Port Hills Red Zone Workshops

Questions from the Port Hills Red Zone Workshops Questions from the Port Hills Red Zone Workshops BANKING Value of the property If the red zone property is mitigated against rock fall risk to an acceptable life risk level, how will the banks treat the

More information

Rent to Own Housing. What is a Rent to Own Housing contract?

Rent to Own Housing. What is a Rent to Own Housing contract? Rent to Own Housing A rent to own housing agreement is not a good idea unless you are in very good financial condition and know that you will be so for the foreseeable future. There are many disadvantages

More information

Home Loan. This document sets out your loan s terms and conditions. Some key information about your loan. Terms and Conditions

Home Loan. This document sets out your loan s terms and conditions. Some key information about your loan. Terms and Conditions Home Loan Terms and Conditions This document sets out your loan s terms and conditions In this document we ve explained the terms and conditions applying to your ANZ Home Loan. It includes key information

More information

Saffron Building Society Mortgages Savings Investments Insurance Loans. Residential mortgage conditions. www.saffronbs.co.

Saffron Building Society Mortgages Savings Investments Insurance Loans. Residential mortgage conditions. www.saffronbs.co. Saffron Building Society Mortgages Savings Investments Insurance Loans Residential mortgage conditions www.saffronbs.co.uk 0800 072 1100 Saffron Building Society Residential Mortgage Conditions (England

More information

COAL MINING SUBSIDENCE DAMAGE. A Guide to Claimants Rights

COAL MINING SUBSIDENCE DAMAGE. A Guide to Claimants Rights COAL MINING SUBSIDENCE DAMAGE A Guide to Claimants Rights The original version of this document was published by the Department of Trade and Industry in 2004 and is now out of print. This document published

More information

Business leases guide

Business leases guide Business leases guide BUSINESS LEASES GUIDE Contents What is a business "tenancy"? Creation of a tenancy Common terms in lease Repairing liability FRI terms Landlord's covenants Insurance Tenant's continuing

More information

Secure Landlord Insurance Product Disclosure Statement. Premiums, excesses, discounts and claims payment guide

Secure Landlord Insurance Product Disclosure Statement. Premiums, excesses, discounts and claims payment guide Secure Landlord Insurance Product Disclosure Statement Premiums, excesses, discounts and claims payment guide Your guide to premiums, excesses, discounts and claims payment This Secure Landlord Insurance

More information

Customer Guide to the Canterbury Home Repair Programme. Introduction / 1

Customer Guide to the Canterbury Home Repair Programme. Introduction / 1 Customer Guide to the Canterbury Home Repair Programme Introduction / 1 2 / Introduction This booklet This guide provides information on what you can expect from the managed repair of your home under the

More information

Special Report. How To Sell Your Home Fast at No Cost To You! Avoid The Cost, Stress And Delay Of Selling On The Open Market.

Special Report. How To Sell Your Home Fast at No Cost To You! Avoid The Cost, Stress And Delay Of Selling On The Open Market. Special Report How To Sell Your Home Fast at No Cost To You! Avoid The Cost, Stress And Delay Of Selling On The Open Market. How To Use This Special Report This special report will help you best when it

More information

CITY OF LONDON LAW SOCIETY, LAND LAW COMMITTEE S INSURANCE PROVISIONS FOR A RACK RENT LEASE OF COMMERCIAL PROPERTY MARCH 2014

CITY OF LONDON LAW SOCIETY, LAND LAW COMMITTEE S INSURANCE PROVISIONS FOR A RACK RENT LEASE OF COMMERCIAL PROPERTY MARCH 2014 CITY OF LONDON LAW SOCIETY, LAND LAW COMMITTEE S INSURANCE PROVISIONS FOR A RACK RENT LEASE OF COMMERCIAL PROPERTY MARCH 2014 Schedule 1 Insurance provisions 1 1 INSURED RISKS AND OTHER DEFINITIONS 1.1

More information

Insurance. Insurance. My home is insured. What should I do first?

Insurance. Insurance. My home is insured. What should I do first? Insurance This chapter has information for people with insurance queries who experienced loss because of the February 2009 Victorian bushfires. It also has information on financial and other help. My home

More information

Mortgage Conditions and Explanations

Mortgage Conditions and Explanations Mortgage Conditions and Explanations 1 Mortgage Conditions and Explanations Bath Building Society ( the Society ) The paragraphs headed Introduction and Membership Rights below are included purely for

More information

Welcome to. OneFamily

Welcome to. OneFamily OneFamily Lifetime Mortgages 1 Welcome to OneFamily Welcome to our OneFamily Lifetime Mortgages. This brochure acts as an easyto-digest introduction to lifetime mortgages and provides you with a summary

More information

MemberCare Life Insure Policy

MemberCare Life Insure Policy MemberCare Life Insure Policy Product Disclosure Statement incorporating the Policy Wording Your family s complete protection Introduction & Welcome We understand how important it is to be comfortable

More information

KEY FEATURES OF LEGAL & GENERAL S PENSION ANNUITY.

KEY FEATURES OF LEGAL & GENERAL S PENSION ANNUITY. PENSION ANNUITIES KEY FEATURES OF LEGAL & GENERAL S PENSION ANNUITY. HELPING YOU MAKE THE RIGHT DECISIONS FOR YOUR FUTURE This is an important document that you should keep in a safe place. 02 KEY FEATURES

More information

Frequently Asked Questions About Property Damage Insurance Claims in Tennessee

Frequently Asked Questions About Property Damage Insurance Claims in Tennessee Roadmap to Recovery Program Frequently Asked Questions About Property Damage Insurance Claims in Tennessee This Roadmap to Recovery publication offers general guidance and answers to common questions people

More information

Finding and choosing a mediator

Finding and choosing a mediator Finding and choosing a mediator Thinking about mediation? This leaflet is for you if you ve heard about mediation and you re interested in trying it to resolve a dispute you are involved in. Or perhaps

More information

BUILDING OR RENOVATING? YOUR FIRST JOB IS TO UNDERSTAND THE NEW CONSUMER PROTECTION MEASURES.

BUILDING OR RENOVATING? YOUR FIRST JOB IS TO UNDERSTAND THE NEW CONSUMER PROTECTION MEASURES. BUILDING OR RENOVATING? YOUR FIRST JOB IS TO UNDERSTAND THE NEW CONSUMER PROTECTION MEASURES. Contents New protection for homeowners 2 Before building work starts 6 Once building work finishes 18 What

More information

Client Agreement document

Client Agreement document Client Agreement document for Burton and Fisher Financial Services Introduction This document is aimed at providing you with an overview of Burton and Fisher Financial Services and to introduce you to

More information

Secure Home Extra Insurance Product Disclosure Statement. Premiums, excesses, discounts and claims payment guide

Secure Home Extra Insurance Product Disclosure Statement. Premiums, excesses, discounts and claims payment guide Secure Home Extra Insurance Product Disclosure Statement Premiums, excesses, discounts and claims payment guide Your guide to premiums, excesses, discounts and claims payment This Secure Home Extra Insurance

More information

A guide to. conciliation conferences

A guide to. conciliation conferences A guide to conciliation conferences Our free service can help resolve your complaint without the cost and stress of going to court.. Who are we? The Financial Ombudsman Service (FOS) Australia offers fair,

More information

www.yourmoneyclaim.co.uk tel: 01254 822880 Fighting Your Corner

www.yourmoneyclaim.co.uk tel: 01254 822880 Fighting Your Corner www.yourmoneyclaim.co.uk tel: 01254 822880 Fighting Your Corner BILLIONS set aside in compensation for mis-sold PPI & bank accounts Welcome MILLIONS to Your are Money entitled Claim, to compensation The

More information

Scottish Homeowners Property Factors Toolkit

Scottish Homeowners Property Factors Toolkit Scottish Homeowners Property Factors Toolkit Govan Law Centre, Glasgow, 2013. 1 Scottish Homeowners Property Factors Toolkit Are you unhappy with the service you are getting from your factor in Scotland?

More information

Q&A. Questions and Answers on Insurance for Housing Co-operatives. What insurance does our housing co-operative need?

Q&A. Questions and Answers on Insurance for Housing Co-operatives. What insurance does our housing co-operative need? Q&A Questions and Answers on Insurance for Housing Co-operatives What insurance does our housing co-operative need? You need at least five kinds of insurance perhaps more, depending on your circumstances.

More information

Leasing scheme information

Leasing scheme information Leasing scheme information Introduction Thank you for your interest in Genesis Housing Association leasing scheme. This information booklet sets out the stages, the requirements and the factors you will

More information

In divorce or civil partnership dissolution the court's first consideration is given to the welfare of any children under the age of 18.

In divorce or civil partnership dissolution the court's first consideration is given to the welfare of any children under the age of 18. How Is A Divorce Settlement Reached? In divorce or civil partnership dissolution the court's first consideration is given to the welfare of any children under the age of 18. In financial proceedings the

More information

For customers Wealth Management Portfolio Key features of the Wealth Management Portfolio

For customers Wealth Management Portfolio Key features of the Wealth Management Portfolio For customers Wealth Management Portfolio Key features of the Wealth Management Portfolio The Financial Conduct Authority is a financial services regulator. It requires us, Aegon, to give you this important

More information

Weymouth Relief Road Part 1 compensation

Weymouth Relief Road Part 1 compensation Weymouth Relief Road Part 1 compensation Compensation for owners of property adversely affected by the use of the new road Dorset County Council Improving the quality of life for people in Dorset, now

More information

KEY FEATURES OF THE PROTECTED RETIREMENT PLAN

KEY FEATURES OF THE PROTECTED RETIREMENT PLAN KEY FEATURES OF THE PROTECTED RETIREMENT PLAN Customer version The Financial Conduct Authority is a financial services regulator. It requires us, LV=, to give you this important information to help you

More information

Understanding your financial situation and options

Understanding your financial situation and options Understanding your financial situation and options After the Canterbury Earthquakes Need help or advice on what to do now, and where to go next? Inside you ll find... Things to think about when making

More information

This fact sheet explains your legal rights and options, as well as containing contact details for organisations that may be able to help you.

This fact sheet explains your legal rights and options, as well as containing contact details for organisations that may be able to help you. Insurance This fact sheet explains your legal rights and options, as well as containing contact details for organisations that may be able to help you. This fact sheet has been prepared as a guide only

More information

The Association offers a factoring service to homeowners whose properties

The Association offers a factoring service to homeowners whose properties PARAGON HOUSING ASSOCIATION LIMITED POLICY: POLICY AREA: FACTORING POLICY FINANCE AND INVESTMENT DATE APPROVED: 21 ST AUGUST 2013 DATE NEXT REVIEW: AUGUST 2018 Contents 1. Introduction 2. Aims 3. Objectives

More information

Prosperity Insurance Group, Inc. Your Independent Agent Home * Auto * Business www.prosperityinsgrp.com (561) 578-4673

Prosperity Insurance Group, Inc. Your Independent Agent Home * Auto * Business www.prosperityinsgrp.com (561) 578-4673 Homeowners Insurance TOOLKIT Florida residents know firsthand that it pays to plan ahead. Dealing with wildfires, floods, tornadoes, hurricanes, winter storms, sinkholes and other disasters, not to mention

More information

Mediation Services, Throughout the UK Guide to Mediation

Mediation Services, Throughout the UK Guide to Mediation mediation Mediation Services, Throughout the UK Guide to Mediation let sstarthere Why Mediate? Pg 3 The Mediation Day Pg 4 Preparing for the Mediation Pg 5 Quality Assured Pg 6 Flexible Fee Policy Pg 7

More information

Vendor Finance. Huonville: 8/16 Main St, Huonville 7109 DX 70754, Huonville PO Box 239, Huonville 7109 Ph: 03 6264 2967

Vendor Finance. Huonville: 8/16 Main St, Huonville 7109 DX 70754, Huonville PO Box 239, Huonville 7109 Ph: 03 6264 2967 Vendor Finance Huonville: 8/16 Main St, Huonville 7109 DX 70754, Huonville PO Box 239, Huonville 7109 Ph: 03 6264 2967 Hobart: Level 1, 18 Elizabeth St, Hobart 7000 DX 231, Hobart GPO Box 16, Hobart 7001

More information

CanCERN s Positives / Questions and Issues for AMI July

CanCERN s Positives / Questions and Issues for AMI July CanCERN s Positives / uestions and Issues for AMI July 12 2011 Personal Communication from resident to AMI; Phone call/s, reporting damage / Making a claim/s / asking for more information Personal Communication

More information

WRITTEN STATEMENT OF SERVICES UNDER THE PROPERTY FACTORS (SCOTLAND) ACT 2011

WRITTEN STATEMENT OF SERVICES UNDER THE PROPERTY FACTORS (SCOTLAND) ACT 2011 WRITTEN STATEMENT OF SERVICES UNDER THE PROPERTY FACTORS (SCOTLAND) ACT 2011 Introduction On 1 st October 2012, the Property Factors (Scotland) Act 2011 ( the Act ) was brought into force by the Scottish

More information

UTAH DEPARTMENT OF TRANSPORTATION ACQUIRING PROPERTY FOR UTAH S TRANSPORTATION PROJECTS

UTAH DEPARTMENT OF TRANSPORTATION ACQUIRING PROPERTY FOR UTAH S TRANSPORTATION PROJECTS UTAH DEPARTMENT OF TRANSPORTATION ACQUIRING PROPERTY FOR UTAH S TRANSPORTATION PROJECTS An Information Brochure For Property Owners (Draft Version as of 11/10/08) Developed for use by the Department of

More information

Common traps people fall into when renting commercial property ( and how to avoid them)

Common traps people fall into when renting commercial property ( and how to avoid them) Common traps people fall into when renting commercial property ( and how to avoid them) For most businesses, the renting of a commercial property represents a major financial decision. Whether you are

More information

A brief guide to Trusts and our Trustbuilder tool

A brief guide to Trusts and our Trustbuilder tool guide to guide to trusts trusts A brief guide to Trusts and our Trustbuilder tool A Brief guide to Trusts and our Trustbuilder tool Introduction This brief guide explains some of the main features and

More information

HOME INSURANCE ASSESSMENT

HOME INSURANCE ASSESSMENT m pl e HOME INSURANCE ASSESSMENT Sa Street Address, Suburb File. 0000 Date. December 2014 Street Address, Suburb Page 1 of 8 File. 0000 Date. December 2014 Client Name Street Address Suburb HOME INSURANCE

More information

KEY FEATURES OF LEGAL & GENERAL S PENSION ANNUITY.

KEY FEATURES OF LEGAL & GENERAL S PENSION ANNUITY. PENSION ANNUITIES KEY FEATURES OF LEGAL & GENERAL S PENSION ANNUITY. HELPING YOU MAKE THE RIGHT DECISIONS FOR YOUR FUTURE This is an important document that you should keep in a safe place. 02 KEY FEATURES

More information

LEGAL SUPPORT FOR YOUR BUSINESS

LEGAL SUPPORT FOR YOUR BUSINESS LEGAL SUPPORT FOR YOUR BUSINESS QualitySolicitors Burroughs Day QSBD have taken time to understand our organisation and the way we operate. The relationship we ve developed with them has proven to be invaluable.

More information

KEY FEATurES of LEGAL & GEnErAL S PEnSIon AnnuITIES.

KEY FEATurES of LEGAL & GEnErAL S PEnSIon AnnuITIES. PEnSIon AnnuITIES KEY FEATurES of LEGAL & GEnErAL S PEnSIon AnnuITIES. Helping you make the right decisions for your future INsuRANCe. savings. INVesTMeNT MANAGeMeNT. 01 Key features of Legal & General

More information

Adviceguide Advice that makes a difference

Adviceguide Advice that makes a difference Buildings insurance What is buildings insurance Buildings insurance covers the cost of damage to the structure of your property. This includes the roof, walls, ceilings, floors, doors and windows. Outdoor

More information

CHANGES TO HOME INSURANCE

CHANGES TO HOME INSURANCE CHANGES TO HOME INSURANCE ESTIMATING REBUILDING COSTS FOR SUM INSURED POLICIES 25 JULY 2013 - PROPERTY INSTITUTE OF NEW ZEALAND WHAT S CHANGING? Home insurance in New Zealand is moving back from unlimited

More information

Self-build Insurance. Proposal Form

Self-build Insurance. Proposal Form Introduction DMS SELF-BUILD The Self-build Specialists The Brit Insurance Limited Self-build insurance policy is tailor-made to meet the needs of those building a brand new detached house or bungalow which

More information

Steps to recovery. Queensland flood crisis. 19 January 2011

Steps to recovery. Queensland flood crisis. 19 January 2011 Steps to recovery Queensland flood crisis 19 January 2011 Immediate considerations Business interruption You may have experienced operational outages, IT interruptions as well as disruption to your manufacturing

More information

Your Home Comprehensive policy wording

Your Home Comprehensive policy wording Your Home Comprehensive policy wording love your home Welcome to State Thank you for choosing State to insure your home. You ve made a great choice we ve been helping New Zealanders with their insurance

More information

ADVICE NOTE BUYING AND SELLING YOUR FLAT. A summary of the typical events when buying and selling a leasehold flat

ADVICE NOTE BUYING AND SELLING YOUR FLAT. A summary of the typical events when buying and selling a leasehold flat ADVICE NOTE BUYING AND SELLING YOUR FLAT A summary of the typical events when buying and selling a leasehold flat 2 CONTENTS Note: As the leading trade body for residential leasehold management, ARMA is

More information

Building insurance frequently asked questions

Building insurance frequently asked questions Building insurance frequently asked questions April 2012 From 1 April 2011 until 31 March 2013 Ocaso S.A. U.K. Branch will provide building insurance for the leaseholders of Islington Council. The purpose

More information

Motor Equity Insurance. Product Disclosure Statement and Policy Document.

Motor Equity Insurance. Product Disclosure Statement and Policy Document. Motor Equity Insurance Product Disclosure Statement and Policy Document. Table of contents About this Insurance page Our Product Disclosure Statement 3 Understanding your policy and its important terms

More information

WHO IS AT FAULT? I VE HAD A CAR ACCIDENT AND I M UNINSURED!

WHO IS AT FAULT? I VE HAD A CAR ACCIDENT AND I M UNINSURED! I VE HAD A CAR AND I M UNINSURED! This fact sheet is for information only. It is recommended that you get legal advice about your situation. CASE STUDY Joe owned an old Holden. He was driving to visit

More information

A GUIDE TO MOTOR INSURANCE

A GUIDE TO MOTOR INSURANCE A GUIDE TO MOTOR INSURANCE Every year, one in six New Zealand policy holders will make a claim on their motor vehicle insurance, totalling over $300 million. That's why you should be insured. Motor vehicle

More information

Earthquake-prone Buildings

Earthquake-prone Buildings Earthquake-prone Buildings Information on policy changes and their impact on commercial buildings. Over the past 3 years Canterbury s lawyers and agents have developed a great deal of on-the-ground expertise

More information

General information on the Code of Banking Practice

General information on the Code of Banking Practice General information on the Code of Banking Practice Contents About this booklet 1 Opening a new account with ING DIRECT 1 Please read our Product Disclosure Statement or Terms and Conditions booklet 1

More information

MORTGAGE ADVICE YOU CAN DEPEND ON

MORTGAGE ADVICE YOU CAN DEPEND ON MORTGAGE ADVICE YOU CAN DEPEND ON INTRODUCTION Whether you re buying your first home, remortgaging, or purchasing an investment property, there are lots of processes to go through, issues to tackle and

More information

Leasing Business Premises: Occupier Guide

Leasing Business Premises: Occupier Guide Leasing Business Premises: Occupier Guide This document is one of three component parts of the Code for Leasing Business Premises Copyright The Joint Working Group on Commercial Leases, 2007. Any of the

More information

Switching your mortgage deal

Switching your mortgage deal Switching guide 1 Switching your mortgage deal We re with you every step of the way Switching guide 2 Why switch? If you re thinking about switching your mortgage, you might not have to shop around. You

More information

Affordable home building insurance for Queenslanders

Affordable home building insurance for Queenslanders Affordable home building insurance for Queenslanders The InsureLite Story IAG working to increase the accessibility of insurance The InsureLite Story InsureLite is an IAG initiative that aims to provide

More information

Apia Home and Contents Insurance. Premiums, Excesses, Discounts and Claims Payment Guide

Apia Home and Contents Insurance. Premiums, Excesses, Discounts and Claims Payment Guide Apia Home and Contents Insurance Premiums, Excesses, Discounts and Claims Payment Guide 1 Your Guide to Premiums, Excesses, Discounts and Claims Payments This Home and Contents Insurance Premiums, Excesses,

More information

PROTECTING YOUR FAMILY

PROTECTING YOUR FAMILY Amicus Law Really Useful Guide To PROTECTING YOUR FAMILY Divorce, Separation and Settlements amicus law The best separation and divorce specialists in the South West Friendly yet tenacious; We are on your

More information

Please read this document carefully as it contains important information about this plan. Your VitalityLife plan summary VITALITYLIFE PLAN SUMMARY

Please read this document carefully as it contains important information about this plan. Your VitalityLife plan summary VITALITYLIFE PLAN SUMMARY Please read this document carefully as it contains important information about this plan Your VitalityLife plan summary VITALITYLIFE PLAN SUMMARY Your VitalityLife plan summary About this booklet This

More information

Submission to the Select Committee on The Landlord & Tenant Act

Submission to the Select Committee on The Landlord & Tenant Act Submission to the Select Committee on The Landlord & Tenant Act Residential Landlord Coalition September 30, 2010 We are making this submission to the Select Committee that is undertaking the review of

More information

Property Settlements in the Family Court and the Federal Magistrates Court

Property Settlements in the Family Court and the Federal Magistrates Court Property Settlements in the Family Court and the Federal Magistrates Court This information is based on the law as at. It is written for the use and benefit of women who contact the Women s Legal Centre

More information

FACTORING SERVICE BLOCKS AND COMMON PARTS

FACTORING SERVICE BLOCKS AND COMMON PARTS FACTORING SERVICE BLOCKS AND COMMON PARTS ABOUT OUR ORGANISATION Atrium Initiatives Atrium Initiatives was formed in 2005. Its parent company is Atrium Homes, a not for profit company. Atrium Initiatives

More information

Tenants Guide to the Right to Buy

Tenants Guide to the Right to Buy Contents Section Page No. 1 Welcome to our Right to Buy Guide 2 2 Our Service Standards 3 3 Warning Cold Callers 4 4 Introduction to Right to Buy 5 5 Steps in the Right to Buy process 6 6 The Section 125

More information

THE KIWI HOMEOWNERS GUIDE TO GETTING THE RIGHT SUM INSURED TO MATCH YOUR NEEDS. Become informed. Understand your situation and have peace of mind,

THE KIWI HOMEOWNERS GUIDE TO GETTING THE RIGHT SUM INSURED TO MATCH YOUR NEEDS. Become informed. Understand your situation and have peace of mind, THE KIWI HOMEOWNERS GUIDE TO GETTING THE RIGHT SUM INSURED TO MATCH YOUR NEEDS Become informed. Understand your situation and have peace of mind, Property InDepth co-founder, Steve Tucker. THE COST OF

More information

WIN. Factoring Services News. Factoring Services News. Common repairs what happens! page 6. worth of vouchers

WIN. Factoring Services News. Factoring Services News. Common repairs what happens! page 6. worth of vouchers Factoring news for homeowners in mixed tenure blocks in East Renfrewshire www.eastrenfrewshire.gov.uk/housing Winter 2015 Factoring Services News Complete our customer satisfaction survey inside this edition

More information

MAJOR WORKS GUIDE FOR LEASEHOLDERS

MAJOR WORKS GUIDE FOR LEASEHOLDERS MAJOR WORKS GUIDE FOR LEASEHOLDERS January 2016 Guide to payment methods, advice and help available for leaseholders who receive a major works invoice Major works guide Introduction This guide is aimed

More information

Kate Bailey October 2007. Housing Assistance Policy (Loans)

Kate Bailey October 2007. Housing Assistance Policy (Loans) Housing Assistance Policy (Loans) 1 1.0 Introduction...3 2.0 Background...3 3.0. Research into the potential demand for equity release / loan schemes...4 4.0. The loan scheme...5 5.0 Eligibility for grant

More information

YOUR GUIDE TO. A checklist for buying a

YOUR GUIDE TO. A checklist for buying a YOUR GUIDE TO A checklist for buying a house or apartment in NSW. Do I really need a solicitor to make an offer on a house? The answer is that buying a home is often the biggest financial decision we ll

More information

Legal Costs, Cost Agreements, Disclosure & Billing under the The Legal Profession Uniform Law. NSW Law Society Seminar

Legal Costs, Cost Agreements, Disclosure & Billing under the The Legal Profession Uniform Law. NSW Law Society Seminar Legal Costs, Cost Agreements, Disclosure & Billing under the The Legal Profession Uniform Law NSW Law Society Seminar John Fleming Solicitor (Legal Costs Unit) Law Society of NSW Tel: (02) 9926 0373 Email:

More information

Buying and Owning a Condominium

Buying and Owning a Condominium This publication is intended to provide general information only and is not a substitute for legal advice. Contents Page Information about the Legislation 1 What is a condominium? 2 Condominium Corporation

More information

Mr and Mrs Sample and future owners or occupants of the Property and Your/their mortgage lender(s).

Mr and Mrs Sample and future owners or occupants of the Property and Your/their mortgage lender(s). Absentee Landlord Indemnity Insurance Policy This Policy is the contract between You and the Insurer and it includes the Schedule and any endorsement, extension, plan or appendix issued with it. We have

More information

Property Topics & Guides. Rent Reviews Guide. www.officespace.co.uk

Property Topics & Guides. Rent Reviews Guide. www.officespace.co.uk 1 Property Topics & Guides - Copyright Introduction Rent Review clauses are a feature of most modern commercial leases which are granted for a term in excess of 3-5 years. The majority of rent review clauses

More information

Mr and Mrs Sample and future owners or occupants of the Property and Your/their mortgage lender(s).

Mr and Mrs Sample and future owners or occupants of the Property and Your/their mortgage lender(s). Contingent Buildings Insurance Indemnity Policy This Policy is the contract between You and the Insurer and it includes the Schedule and any endorsement, extension, plan or appendix issued with it. We

More information

GET AN ATO COMPLIANT TAX DEPRECIATION SCHEDULE!

GET AN ATO COMPLIANT TAX DEPRECIATION SCHEDULE! Rental Property 2008 Tax Tips GET AN ATO COMPLIANT TAX DEPRECIATION SCHEDULE! A Quantity Surveyor prepared Tax Depreciation Schedule is one of the best investments a property investor can make. Claiming

More information

BUSHFIRES AND INSURANCE - WHAT YOU NEED TO KNOW INSURING YOUR HOME AND CONTENTS INTRODUCTION

BUSHFIRES AND INSURANCE - WHAT YOU NEED TO KNOW INSURING YOUR HOME AND CONTENTS INTRODUCTION BUSHFIRES AND INSURANCE - WHAT YOU NEED TO KNOW INSURING YOUR HOME AND CONTENTS INTRODUCTION People buy home building and contents insurance to try to protect themselves from significant financial loss,

More information

Combined Home Loan. This document sets out your loan or facility s terms and conditions. Some key information about your loan or facility

Combined Home Loan. This document sets out your loan or facility s terms and conditions. Some key information about your loan or facility Combined Home Loan Terms and Conditions This document sets out your loan or facility s terms and conditions In this document we ve explained the terms and conditions applying to your ANZ Home Loan or ANZ

More information

Your guide to the residential architectural process. A step-by-step guide from Context Architects

Your guide to the residential architectural process. A step-by-step guide from Context Architects Your guide to the residential architectural process A step-by-step guide from Context Architects We know that building a new house or renovating your home can seem daunting and complicated. So we ve produced

More information

CAR ACCIDENTS FREQUENTLY ASKED INSURANCE QUESTIONS

CAR ACCIDENTS FREQUENTLY ASKED INSURANCE QUESTIONS FREQUENTLY ASKED INSURANCE QUESTIONS MAKE SURE YOU HAVE A COPY OF YOUR INSURANCE CONTRACT (THIS IS COMPRISED OF YOUR PRODUCT DISCLOSURE STATEMENT (PDS) AND YOUR CERTIFICATE OF INSURANCE). CAR ACCIDENTS

More information