Product Documents

Below you will find Policy documents including
Product Disclosure Statement (PDS), Target Market Determination (TMD)
and your Duty of Disclosure.

Duty Not To Misrepresent

Duty to take reasonable care not to make a misrepresentation
You have a duty to take reasonable care not to make a misrepresentation (“Duty”) to us. This applies whenever you enter into, vary, extend or reinstate your policy. All questions that we ask must be answered truthfully, accurately and to the best of your knowledge; both for yourself and for any other listed traveller. A misrepresentation is a false or partially false response or statement which does not reflect the truth. Your Duty is considered on the basis of the relevant target market, whether you are represented by a broker, and circumstances and characteristics that you have disclosed to us.

If you do not take reasonable care when answering our questions and therefore breach your Duty to us, we may cancel your policy or reduce the amount that we will pay you if you make a claim. If the misrepresentation was deliberately fraudulent, we may refuse to pay your claim or treat your policy as if it never existed.

By continuing, you agree to meet the obligations of your Duty to us.

Product Disclosure Statements (PDS)

Wise and Silent Pty Ltd offer two products issued by battleface Insurance to suit various customer needs. Some products are configurable and have various exclusions or benefit options, please ensure to read the PDS and select a policy configuration that suits your personal circumstances.

1)  Discovery – International Single Trip  [PDF]
2)  Covid Essentials – International Single Trip  [PDF]
3)  Domestic Travel Insurance  [PDF]

Target Market Determination (TMD)

Wise and Silent Target Market Determination  [PDF]
Domestic Target Market Determination  [PDF]

Family Violence Policy

Battleface Family Violence Policy  [PDF]

Treating Customers Fairly

Battleface Treating Customers Fairly Policy  [PDF]

Complaints Policy

Battleface Complaints Policy  [PDF]