The financial services referred to in this financial services guide (FSG) are offered by:
Insurewise Brokers Pty Ltd ABN 13 149 933 119
89 Edmund Rice Parade Watsonia North VIC 3087
T: 0405 724 730
E: admin@insurewise.net.au
Insurewise Brokers Pty Ltd is the authorised representative of:
Insurewise Pty Ltd T/as Insurewise Insurance Brokers ABN 69 771 199 709
Suite 3, Level 1, 26 McLaren Place Mornington VIC 3931
Insurewise Pty Ltd holds a current Australian Financial Services Licence No: 238425 and is responsible for the financial services that Insurewise Brokers Pty Ltd provides to you. Insurewise Brokers Pty Ltd’s Authorised Representative No is 00128296. Insurewise Pty Ltd is also responsible for the content and distribution of this FSG. The distribution of this FSG by Insurewise Brokers Pty Ltd is authorised by Insurewise Pty Ltd.
This FSG sets out the services that I/we can offer you. It is designed to assist you in deciding whether to use any of those services and contains important information about:
- the services I/we offer you
- how I/we and others are paid
- any potential conflict of interest I/we may have
- our internal and external dispute resolution procedures and how you can access them
- arrangements that are in place to compensate clients for losses
I/We will provide you with further information whenever I/we provide you with advice, which takes into account your objectives, financial situation and needs. This information may include the advice that I/we have given you, the basis of the advice and other information on our remuneration and any relevant associations or interests. This information may be contained in a statement of advice (SOA).
When you ask me/us to recommend an insurance policy for you, I/we will usually only consider the policies offered by the insurers or insurance providers that I/we deal with regularly. In giving you advice about the costs and terms of recommended policies I/we have not compared those policies to other policies available, other than from those insurers I/we deal with regularly.
Product disclosure statement
| If I/we offer to arrange the issue of an insurance policy to you, I/we will also provide you with, or pass on to you, a product disclosure statement (PDS), unless you already have an up to date PDS from the insurer. The PDS will contain information about the particular policy, which will enable you to make an informed decision about purchasing that product. From when does this FSG apply? | This FSG applies from 9th September 2020 and remains valid unless a further FSG is issued to replace it. I/We may give you a supplementary FSG. It will not replace this FSG but will cover services not covered by this FSG. |
| How can I instruct you? | You can contact me/us to give me/us instructions by post, phone, fax or email on the contact number or details mentioned on page 1 of this FSG. |
| Who is responsible for the financial services provided? | Insurewise Pty Ltd is responsible for the financial services that will be provided to you, or through you to your family members, including the distribution of this FSG. Insurewise Pty Ltd holds a current Australian Financial Services Licensee no: 238425. The contact details for Insurewise Pty Ltd are on the front of this FSG. |
| What kinds of financial services are you authorised to provide to me and what kinds of financial product/s do those services relate to? | Insurewise Brokers Pty Ltd is authorised to advise and deal in general insurance products to wholesale and/or retail clients under Insurewise Pty Ltd’s Australian Financial Service Licence. I/We will do this on your behalf as your broker unless I/we tell you otherwise. |
| Will I receive tailored advice? | Maybe not in all cases. However, I/we may need information about your personal objectives, details of your current financial situation and any relevant information, so that I/we can arrange insurance policies for you, issue insurance policies to you or to give you advice about your insurance needs. I/We will ask you for the details that I/we need to know. In some cases, I/we will not ask for any of this information. If I/we do not ask, or if you do not give us all of the information I/we ask for, any advice you receive may not be appropriate to your needs, objectives and financial situation. You should read the warnings contained in any SOA, or any other warnings that I/we give you, carefully before making any decision about an insurance policy. Where we provide you with advice about your insurance arrangements, that advice is current at the time that we give it. We will review your insurance arrangements when you inform us about changes in your circumstances. |
| Contractual Liability and your insurance cover | Many commercial or business contracts contain clauses dealing with your liability (including indemnities or hold harmless clauses). Such clauses may entitle your insurers to reduce cover, or in some cases, refuse to indemnify you at all. You should seek legal advice before signing and accepting contracts. You should inform us of any clauses of this nature before you enter into them. |
