Important Information



Before you enter into a Contract of general insurance with an Insurer, you have a duty under the Insurance Contracts Act 1984 to disclose to the Insurer every matter that you know, or could reasonably expect to know, is relevant to the Insurer's decision whether to accept the risk of Insurance and if so, on what terms.You have the same duty to disclose those matters to the Insurer before you renew, extend, vary or reinstate a contract of general insurance. Your duty however does not require disclosure of matters.

- that diminishes the risk to be undertaken by the Insurer

- that is common knowledge

- that your Insurer knows or, in the ordinary course of business, ought to know

- as to which the compliance with your duty is waived by the Insurer



If you fail to comply with your duty of disclosure, the Insurer may be entitled to reduce the liability under the Contract in respect of a claim or may cancel the contract. If your non-disclosure is fraudulent, the Insurer may also have the option of avoiding the contract from its beginning.



Commercial Reality Insurance Brokers is an AFS License (License No: 245568).
Click Here to view our Financial Services Guide (FSG)

Commercial Reality Insurance Brokers management and staff have a commitment to efficient and fair resolution of complaints. Our company demonstrates a culture that acknowledges customers' right to complain and which actively solicits feedback from customers.

Please contact us if you have any complaints about our services.

Tony Walshe
Complaints Officer
Commercial Reality Insurance Brokers Pty Ltd
145 Railway Place
Williamstown VIC 3016

PO Box 106
Williamstown VIC 3016

Ph:  03 9397 4788
Fax: 03 9397 4799

We are a member of the Financial Ombudsman Service (FOS), an External Dispute Resolution body. If your complaint cannot be resolved to your satisfaction within 20 business days, you have the right to refer the matter to the FOS. Contact details below:

Financial Ombudsman Service

Street Address - Financial Ombudsman Service, Level 12, 717 Bourke Street, Docklands 3008
Mailing address - Financial Ombudsman Service, GPO Box 3, Melbourne 3001

Phone: 1300 78 08 08
Fax: 03 9613 6399


Insurance Brokers Code of Practice

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