Important Notice
National Cover provides general advice only. We do not provide personal advice.
Any advice or information provided by National Cover has been prepared without taking into account your individual objectives, financial situation, or needs. You must consider whether any advice is appropriate for your circumstances before acting on it.
1. General Advice Only
1.1 All advice and information provided by National Cover is general advice only. This means we have not considered your personal circumstances when providing this advice.
1.2 General advice does not take into account:
1.3 Because we have not considered your individual circumstances, any insurance product we discuss or arrange may not be appropriate for you.
↑ Back to contents2. We Do Not Provide Personal Advice
National Cover Does Not Provide Personal Advice
We are not authorised to, and do not, provide personal financial product advice. All advice provided by National Cover is general advice only and does not take into account your personal objectives, financial situation, or needs.
2.1 National Cover is authorised to provide general advice only. We do not hold the appropriate authorisations to provide personal advice that considers your individual circumstances.
2.2 This means that when we provide information about insurance products, compare policies, or arrange cover on your behalf, we are not recommending that any particular product is suitable for you personally.
2.3 If you require personal advice that takes into account your specific objectives, financial situation, and needs, you should consult with a licensed financial adviser who is authorised to provide personal advice.
Need Personal Advice? If you require advice tailored to your personal circumstances, we recommend you seek the services of a qualified financial adviser or other appropriate professional who is licensed to provide personal advice.
3. Your Responsibility
3.1 Before acting on any general advice we provide, you should consider whether the advice is appropriate for you, having regard to your own objectives, financial situation, and needs.
Your Responsibility: It is your responsibility to ensure that any insurance product you purchase is suitable for your individual circumstances and provides the level of cover you require. You should not rely solely on general advice when making your decision.
3.2 Before purchasing any insurance product, you should consider:
- Does this product meet my specific insurance needs?
- Can I afford the premium now and in the future?
- Do I understand what is and isn’t covered?
- Are the policy limits and excess amounts appropriate for my situation?
- Have I read and understood the Product Disclosure Statement (PDS)?
- Have I disclosed all relevant information to the insurer?
- Do I need to seek independent professional advice?
3.3 You should make your own independent assessment of whether the insurance product is appropriate for your needs. If you are unsure, you should seek independent professional advice before making a decision.
↑ Back to contents4. Product Disclosure Documents
4.1 Before making any decision about an insurance product, you should read and consider the following documents provided by the insurer:
4.2 These documents are prepared by the insurer and are available:
- From the insurer’s website
- By requesting a copy from National Cover
- With your policy documentation when you purchase a policy
4.3 If you would like a copy of any PDS or TMD for a product we have discussed with you, please contact us and we will provide it to you free of charge.
5. Our Role as Your Broker
5.1 National Cover is an insurance broker, not an insurer. We act on your behalf to arrange insurance with various insurance companies. We provide general advice only and do not provide personal advice.
- Provide general information about insurance products from multiple insurers
- Arrange insurance policies on your behalf based on general advice
- Assist with policy variations, renewals, and cancellations
- Provide guidance and support during the claims process
- Act as an intermediary between you and the insurer
- We do not provide personal advice
- We do not assess whether a product is suitable for your personal circumstances
- We do not recommend specific products based on your individual needs
- We are not authorised to provide personal financial product advice
5.2 We may receive commission from insurers when you purchase a policy through us. We may also charge fees for our services. Full details of our remuneration are disclosed in our Financial Services Guide (FSG), which is available on request.
5.3 Our Financial Services Guide (FSG) contains important information about the services we provide, how we are remunerated, and how we handle complaints. You can request a copy of our FSG at any time by contacting us.
↑ Back to contents6. Contact Us
6.1 If you have any questions about this General Advice Warning, our services, or the insurance products we arrange, please contact us:
Coopers Plains QLD 4108
Business Hours
Monday – Friday: 9:00am – 6:00pm
Saturday: 9:00am – 12:00pm
Sunday & Public Holidays: Closed
Reminder: National Cover provides general advice only. We do not provide personal advice. If you require personal advice tailored to your individual circumstances, please consult a licensed financial adviser.
