25 Nov Calibre Insurance FSG
Calibre Commercial Insurance Pty Ltd
(ABN: 86 603 039 023) (AFSL: 474540)
Financial Services Guide
THE PURPOSE OF THIS GUIDE
The purpose of this guide is to assist you in making an informed decision about whether to use the financial services we can provide for you. It contains important information about who we act for, the services we offer, the fees we charge, the remuneration paid to our employees, potential conflicts of interest and how complaints are dealt with.
All references in this Financial Services Guide (‘FSG’) to ‘we’, ‘us’ or ‘our’ are references to Calibre Commercial Insurance Pty Ltd (ABN: 86 603 039 023) (‘Calibre Insurance’). Calibre Insurance is an Underwriting Agency and we also hold an Australian Financial Services Licence (No: 474540). You can learn more about us at: www.calibreinsurance.com.au
All references in this FSG to ‘insurer’ or ‘product insurer/issuer’ are references to Great Lakes Reinsurance (UK) SE (ABN: 18 964 580 576, AFSL: 318603) trading as Great Lakes Australia (‘GLA’). Any financial services provided in accordance with this FSG will only relate to products issued by us.
This FSG applies from 16 November 2015 and remains valid unless a further FSG is issued to replace it.
THE SERVICE WE OFFER YOU
We are authorised to deal in and provide financial advice in relation to general insurance products for retail and wholesale clients. To assist in your decision making we will give you information about the particular financial product by providing you with a Policy Wording and/or Product Disclosure Statement (‘PDS’). The Policy Wording and/or PDS will help you make an informed decision about whether to choose the financial product. In some cases, we may make a general recommendation or give an opinion about the general insurance product. We will do this WITHOUT reference to your specific individual objectives, financial situation or needs. This is a general advice service only. When providing general advice, we do not act on your behalf.
You need to consider the appropriateness of any specific information we give to you. You should have regard to your specific individual objectives, financial situation or needs before acting on it.
PRODUCT DISCLOSURE STATEMENT
If we offer to arrange the issue of an insurance policy to you, 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. The PDS will contain information about the particular policy which will enable you to make an informed decision about purchasing that policy.
WHO WE ACT FOR
We act on behalf of Great Lakes Reinsurance (UK) SE (ABN: 18 964 580 576, AFSL: 318603) trading as Great Lakes Australia (‘GLA’) for the purposes of this FSG.
We act on behalf of the insurer under a binder in issuing the insurance policy and not on your behalf.
At SalonCover we act on behalf of you, the insurance client
We are committed to protecting your privacy. We use the personal information you provide to us to assess risks, quote, write and administer your insurance policy. We provide personal information to our underwriters and reinsurers (and their representatives) and those we appoint to assist us with claims under your policy, along with the Financial Ombudsman Service Limited (‘FOS Australia’) in the event of a dispute. We will not trade, rent or sell your information. For a full collection statement, please refer to the Product Disclosure Statement.
If you make a complaint, we will do everything we can to try to resolve it as quickly and fairly as possible.
You can make a complaint by contacting us on 1300 306 226 or writing to us at: • Fax: 1300 559 936 • Address: Level 7, 100 Arthur Street, North Sydney NSW 2060 • Email: firstname.lastname@example.org
We will try to resolve your complaint quickly and fairly. We will provide our response within 15 business days unless further time is required and we will seek a later response time.
If you are not happy with our response to your complaint you can seek an external review via our external dispute resolution scheme, administered by the Financial Ombudsman Service Limited (‘FOS Australia’). This national scheme is for consumers, free of charge and is aimed at resolving disputes between insureds and their insurance service providers.
You can contact the FOS Australia on 1800 367 287 (or 1800 FOS AUS) or visit www.fos.org.au
For further information please refer to our Complaints Handling brochure which is available on our website.