Terms & Conditions
About this website
Welcome to the Landcover website. Landcover Pty Ltd ABN 67 119 345 461 is an Authorised Representative (311341) of Multi-Functional Policies Pty Ltd ACN 054 829 999 Australian Financial Services No. 241685, who trade under the name of MFP Insurance Brokers and have been providing Insurance and advice to Australian’s since 1985.
These Website Terms and Conditions apply to your use of the Website. To be able to continue, you must have to read and accepted these Terms and Conditions by clicking on the “I acknowledge that I have read, understood and agree to be bound by the Terms and Conditions, Duty of Disclosure and Financial Services Guide” button at the bottom this page. Additionally, other terms or conditions may apply in relation to products or services offered via the Website, and you will also be bound by these as they apply to you.
If you have a question about any term or condition, service or product, please call one of our friendly and professional consultants on 1300 LANDCOVER (1300 526 326).
Description of Product or Service
The information or descriptions contained herein are not intended to be a complete description of all terms, exclusions and conditions applicable to the products and services, but are provided solely for information purposes. Full details of the insurance products are contained in the policy document.
Commencement and continuity of Cover?
Cover commences when we accept your application and by giving you a Transaction or Policy Number. Cover will not commence before the first day of the Period of Insurance whether or not money is paid before then. Remember: - No Transaction or Policy Number means no cover.
Landcover Insurance is issued for 12 months commencing on acceptance of your “Application ” and will continue and expire 4.00pm on the last day of the Calendar month 12 months later. This Insurance contract is non -renewable however an invitation to reapply will be sent early in the expiring month of your current policy. You can, for your convenience reapply at any time during that month and when accepted the insurance will commence at that time and date and your previous policy cancelled as of that time the new policy commences. This means that you have continuing insurance cover but not 2 policies at the same time. Any applications after the expiry date will result in an uninsured period.
Your Duty of Disclosure
What you must tell us
Before You enter into a contract of general insurance with Us, (which includes this General and Products Liability Insurance Policy) You have a duty under the Insurance Contracts Act 1984 to tell Us everything that You know, or could reasonably be expected to know, is relevant to Our decision to insure You and the terms and conditions on which we insure You.
Information You do not need to give
You do not have to tell Us anything that:
- reduces the risk;
- is common knowledge;
- we already know or should know in the ordinary course of Our business;
- was been indicated by Us as not necessary to know.
If You fail to comply with Your duty of disclosure, We may be entitled to reduce Our liability under the contract in respect of a claim or may cancel the contract.
If Your non-disclosure is fraudulent, We may also have the option of avoiding the contract from its beginning.
If you do not understand your duty, please ask us to explain it.
We act on behalf of the insurer when arranging insurance cover
We arrange policies for and on behalf of the insurer and act under a binding authority given to our Licensee by the insurer to administer and issue policies, alterations, cancellations. In all aspects of these policies, we act on behalf of the insurer and not for you. We remind you of this now and also on your Policy Schedule and our Financial Services Guide (FSG).
Our Advice and Insurer’s Product Disclosure Statement (PDS)
Any advice provided on the LANDCOVER website is of a general nature. We have not given you any personal advice until we tell you that we have done so by considering your individual financial situation, objectives or needs. In any event, you should consider the relevant PDS and any other information made available to you before you proceed to purchase the policy online to ensure that it’s right for you.
Links to Third Party Websites
The Website may provide links to other websites (“Linked Sites”). Any external links are provided as a courtesy and we are not responsible for the accuracy, legality or decency of these Linked Sites. We do not warrant, sponsor, endorse or approve the operators of Linked Sites or the material found at the Linked Sites.
Accuracy and Warranty
Every effort is made to ensure that information on the Website is free from error, however we do not warrant the accuracy, adequacy or completeness of material on the Website. All information is subject to change without notice. We do not guarantee that the Website or Linked Sites will be free from any virus or that access to the Website or any Linked Sites will be uninterrupted. You are responsible for ensuring you have alternative contingency arrangements in place to enable you to conduct insurance by other means should the Website be unavailable. We may at any time withdraw the Website or products for any reason and without notice.
Limitation of Liability
Subject to any responsibilities implied by law and which cannot be excluded, we are not liable to you for any loss, damage, liability, claim and expense whatsoever, arising out of or referable to material on the Website, to Linked Sites, third party material or services, or to access of the Website by you, howsoever caused.
At all times you shall indemnify us in respect of any liability incurred for any loss or damage we suffer as a result of your breach of any of the Website Terms and Conditions, or your use of the Website.
Copyright and Trademarks
The contents of this site are protected by copyright and may be viewed and used for your personal use only. If you would like to use the material for any other purpose please contact Landcover Pty Ltd or its appropriate supplier or associate. All trademarks, services marks, trade names, logos and icons are the property of Landcover Pty Ltd and/or it’s supplier sand/or its associates. Nothing contained in this website shall be construed as granting, by implication, estoppels or otherwise any licence or righto to use any trademark, displayed on this website without the written permission of Landcover Pty Ltd or such third party which may own the trademarks displayed on this website. Your use of the trademarks displayed on this website, or any other content on this website, except as provided herein is strictly prohibited.
The provision by Landcover Pty Ltd of our insurance products and services found on this Web site is governed by and subject to Australian Law.
Links to other Internet Sites
This site may contain links to Internet sites belonging to other parties. Landcover Pty Ltd does not guarantee the completeness or accuracy of, or accept any responsibility for, information contained within any linked sites.
Consent to receive Electronic Documents
By agreeing to these Terms and Conditions you consent to receiving all communications relating to this insurance transaction electronically by e-mail. We will only use the e-mail address that you provided to us during the policy application process. We may also choose to send you SMS, more commonly known as Text Messages to your mobile phone from time to time. Should your e-mail address or mobile phone number change during the period of insurance, it is your responsibility to inform our office of your new e-mail address and mobile phone number in order to receive ongoing communications such as, Expiry Notices and/or Reminders.