We Answer Your Questions | Insure Online

You have a duty to disclose certain matters which will help our insurers decide whether to insure you and, if so, on what terms. You have this duty when you are seeking a business insurance quote, when buying a business insurance policy, when varying your business insurance policy and when renewing your business insurance policy. You need to explain this duty of disclosure to any other insureds you may apply on behalf of, such as other directors, officers, employees and family members. Your duty to disclose does not require disclosure of matters that diminish the risk to be undertaken by the insurer, that is of common knowledge or that your insurer knows, or in the ordinary course of its business ought to know. If you fail to comply with your duty of disclosure, the insurer may be entitled to reduce its liability under the contract of insurance in respect of a claim or may cancel the contract or may have the option of avoiding the contract from its beginning. When you apply for insurance, when you want to make changes to your insurance, when you want to renew your insurance and when you make a claim, you have a legal duty of disclosure to insurers.
You can cancel your business insurance cover at any time by clicking on My Insurance at the top of our website. Any premiums you have already paid for the unused portion of your business insurance will be refunded to you. We are obliged to refund any unused premiums to you within seven days of cancellation. We will refund premiums to your bank account.
At around five weeks before your business insurance is due for renewal, we will email you with a renewal invitation and a link to your business insurance policy details. You will be able to click that link, update your business insurance details, pay for your business insurance policy and receive immediate email confirmation that it has been renewed.
If you do not renew your business insurance policy, we will send you a reminder email a few days before it is due to expire. The reminder email will contain a link to your business insurance policy details. You will be able to click that link, update your business insurance details, pay for your business insurance policy and receive immediate email confirmation that it has been renewed.
You can increase your business insurance cover at anytime and as often as you like by clicking the My Insurance button at the top of the home page screen. You will need to login to access your business insurance details securely and, if your insurance premium increases, you will be charged our standard policy transaction fee of $39.95 in addition to any extra insurance premium that will be due.
You can decrease your business insurance cover at anytime and as often as you like by clicking the My Insurance button at the top of the home page screen. You will need to login to access your business insurance policy details securely and, if your premium decreases, you will be charged our standard policy transaction fee of $39.95. You may be entitled to an insurance premium refund.
At the top of this screen just click on the Get Covered Now button to get a business insurance quote and buy now. You will need to answer the questions truthfully and to pay your premiums online. Immediately after buying online, we will email you a tax invoice and within a few hours we will email your policy documents as confirmation of business insurance cover.
You can cancel your insurance cover at any time by clicking on My Insurance at the top of our website. Any premiums you have already paid for the unused portion of your insurance will be refunded to you. We are obliged to refund any unused premiums to you within seven days of cancellation. We will refund premiums to your bank account.
Before we arrange a business insurance policy for you and before you make changes, we require you to read the policy wording for that product. The policy wording is provided by the insurer and is produced in order to give you important information about the features, benefits, exclusions and coverage of the policy. It is prepared in order to assist you in deciding if the business insurance product is right for your needs.
If you have not renewed your business insurance before it is due to expire, we will send you a final notice to inform you that your business insurance has lapsed. If your business insurance has lapsed, you will no longer be covered by your insurer through us. You can always get a fresh quote and buy a new business insurance policy if you want to resume insurance cover through Insure Online.
You can make changes to your policy details at anytime and as often as you like by clicking the My Insurance button at the top of the home page screen. You will need to login to access your details securely. If there is no change to your business insurance premium, you will not be charged an insurance policy transaction fee.
If you cancel your business insurance policy before the expiry of the period of insurance, we will refund the net return premium we received from the insurer and we may charge a cancellation fee to offset the insurer’s deduction in commission. We do this in order to cover our costs arising from processing transactions. To cancel your business insurance policy, click the My Insurance button on the top of our website and login to manage your business insurance. Any refund due to you will be paid within seven days of policy cancellation.
Many insurance policies will include cover for an interest in the insured property held by someone other than the insured. They will do so only if that interest is specifically noted in the policy. If you want the interest of another party such has a joint owner or financier to be covered, please note that when completing the online application form.