Terms of Use

Copyright: The owner claims copyright on all information contained in this site under the Copyright Act 1968. It is owned by Marillion Holdings Pty Ltd as Trustee for Marillion Consulting Trust. All rights reserved. No part of this publication may be reproduced in any manner without the written consent of Marillion Holdings Pty Ltd as Trustee for Marillion Consulting Trust.

 

Disclaimer: We claim that the information offered by our calculator is of a general nature only and uses information inputted by you. Unfortunately our quotation does not constitute a binding quote or offer until confirmed by Marillion Holdings Pty Ltd as Trustee for Marillion Consulting Trust. Any calculator use is never intended to replace professional advice. To the maximum extent permitted by law, Marillion Consulting Trust and its owners will not be liable for any loss or damage caused by a user´s reliance on information obtained by using this calculator.

 

Marillion Holdings Pty Ltd as Trustee for Marillion Consulting Trust ABN 25 302 437 898 T/As Insurance4Earth’s AFSL is 548020.

Please note that Marillion Holdings Pty Ltd as Trustee for Marillion Consulting Trust acts as a broker. Information available on our website about our products does not take into consideration your objectives, financial situation or needs, and you should consider and obtain independent financial advice. Any information provided by our website does not consider your individual needs. You should consider if the insurance is suitable for you and read the Product Disclosure Statement where applicable or policy wording before acquiring the insurance proposed.

 

For CTP, Marillion Holdings Pty Ltd as Trustee for Marillion Consulting Trust acts as an agent of the insurer (at this moment we are an agent of QBE Insurance (Australia) Ltd ABN 78 003 191 035 | AFSL 239545 in respect of the CTP insurance product offered on this website and not as your agent. The RMS online activation of CTP greenslips is subject to correct information sent to the Insurer and the customer´s vehicle´s eligibility for online renewal at the RMS, including Pink Slip (eSafety Check) being organised by the customer wherever necessary. Normal working hours & holiday conditions may also apply. CTP Greenslip insurers do amend their prices throughout the year. This is usually reflected in the prices quoted on our calculator. There may be occasions where the prices quoted may differ to the insurer premium request to pay, as information from the insurers’ site is reconciled with RMS data and perhaps has other validation protocols. The premium quoted by the insurers is binding when using the insurer platforms to complete your purchase.

 

Order Processing Times: There may be times when there may be delays due to events outside of our control, such as phone and/or insurer system accessibility, insufficient information supplied, mismatches between the information currently stored. When these circumstances arise, insurer quotations are binding. 

 

Our remuneration: Marillion Holdings Pty Ltd as Trustee for Marillion Consulting Trust will receive a commission from partner insurers for the distribution of insurance products offered on our website. The commission is based on a percentage of this premium (excluding relevant taxes, charges and levies). Our commission varies between 0% and 30%. In some cases, you may also be charged a fee. These will all be shown on the invoice that is sent to you.

Duty of disclosure/ duty not to make a misrepresentation: Before you enter into an insurance contract, you have a duty to tell the insurer anything that you know, or could reasonably be expected to know, that may affect the insurer’s decision to insure you and on what terms. You have this duty until the insurer agrees to insure you. You have the same duty before you renew, extend, vary, or reinstate an insurance contract.
For Personal, Domestic and Household insurance contracts, you have an additional duty to take reasonable care not to make a misrepresentation to the insurer. To ensure you meet your duty, your responses to the insurers’ questions must be truthful, accurate and complete. 

 

If you do not tell the insurer something: If you do not tell the insurer anything you are required to, they may cancel your contract, or reduce the amount they will pay you if you make a claim, or both. If your failure to tell the insurer is fraudulent, they may refuse to pay a claim and treat the contract as if it never existed.

Website information and content: The information provided on this website does not cover all aspects of the law on the relevant subject matter. Professional advice should be sought before any action is taken based upon the matters described and discussed on this site. To the extent permitted by law, we make no representations about the suitability of the content of this site for any purpose. All content is provided without any warranty of any kind. We disclaim all warranties and conditions with regard to the content, including but not limited to all implied warranties and conditions of fitness for a particular purpose, title and non-infringement. We will not be liable for any damages or injury caused by, including but not limited to, any failure of performance, error, omission, interruption, defect, delay in operation of transmission, computer virus, or line failure. To the extent permitted by law we will not be liable for any damages or injury, including but not limited to, special or consequential damages that result from the use of, or the inability to use, the materials in this site. We believe the content of this site to be accurate, complete and current, however there are no warranties as to the accuracy, completeness or currency of the content. It is your responsibility to verify any information before relying on it. The content of this site may include technical inaccuracies or typographical errors. We reserve the right to modify the content of this site from time to time.

 

Spam: Marillion Holdings Pty Ltd as Trustee for Marillion Consulting Trust publishes its electronic addresses on this website to facilitate communication relating to our business functions. This is not to be inferred as consent by Marillion Consulting Trust or the relevant addressees to receiving unsolicited commercial electronic messages or SPAM.

 

Third Party Websites: Our web site may contain links to external web sites. Whilst such links are provided for your convenience, you should be aware that the information handling practices of the linked web sites might not be the same as ours and do not constitute endorsement of material at those sites or any associated organisation’s products or services. These external sources are outside our control. It is the responsibility of users to make their own decisions about the accuracy, currency, reliability and correctness of the information at those sites. By accessing information at or through this site, each user waives and releases Marillion Holdings Pty Ltd as Trustee for Marillion Consulting Trust to the full extent permitted by law from any and all claims relating to the usage of the material made available through the website. Under no circumstances shall Marillion Consulting Trust be liable for any incident or consequential damages resulting from use of third party materials.

 

Applicable Law & Jurisdiction: The information in this site has been prepared in accordance with Australian law for the supply of goods and services. This notice and the information in this site and all matters relating to either, are governed by and are to be construed according to the laws applicable in the State of New South Wales and the Commonwealth of Australia. The information may not satisfy the laws of any other country. It is not directed at people in any other country and should not be relied on by people in any country other than Australia. The information in this site is current at the date of publication but may be subject to change.

 

Our Mission and Tree Planting Contribution: Our commitment is to make a meaningful contribution to the reduction of greenhouse gas emissions. From time to time Insurance4Earth may review its environmental partners in order to ensure it achieves and optimises its objectives in offsetting greenhouse gas emissions produced by Australians. Our environmental contributions will be made quarterly in arrears towards our stated goals and these are subject to audit in accordance with the Australian Competition and Consumer Commissions (ACCC) position documented under “Green Marketing and the Australian Consumer Law”. Our website will reflect our current partners. By definition, one policy equals to a 12 month policy. A 6 months policy equates to half a policy. Insurance4Earth’s policy will be to contribute to the environment on a one tree per one 12 month new business policy sold through our online platform only.

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Just a friendly reminder before you start….

DUTY OF DISCLOSURE/ DUTY NOT TO MAKE A MISREPRESENTATION

Before you enter into an insurance contract, you have a duty to tell the insurer anything that you know, or could reasonably be expected to know, that may affect the insurer's decision to insure you and on what terms. You have this duty until the insurer agrees to insure you. You have the same duty before you renew, extend, vary, or reinstate an insurance contract.

For Personal, Domestic and Household insurance contracts, you have an additional duty to take reasonable care not to make a misrepresentation to the insurer. To ensure you meet your duty, your responses to the insurer's questions must be truthful, accurate and complete.

IF YOU DO NOT TELL THE INSURER SOMETHING

If you do not tell the insurer anything you are required to, they may cancel your contract, or reduce the amount they will pay you if you make a claim, or both. If your failure to tell the insurer is fraudulent, they may refuse to pay a claim and treat the contract as if it never existed.

By clicking on the "I Agree" button below, you agree that you've read and understood the Duty of Disclosure and website Terms of Use.

Please read our Financial Services Guide to help you make an informed decision about whether to use the financial services we offer.

Please read the relevant Product Disclosure Statement for full details before deciding about the right cover for you.

Please be aware that all communication will be via phone, email or text. We do not mail any correspondence.