Product Documents
Below you will find policy documents for travel and pet insurance, including Product Disclosure Statement (PDS), Target Market Determination (TMD), Financial Services Guide (FSG) and your Duty Not To Misrepresent.
Table Of Contents
Travel Insurance
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.
Target Market Determination (TMD)
Family Violence Policy
Treating Customers Fairly
Complaints Policy
Pet Insurance
Here you will find the documents for WAS Pet Insurance, including the Product Disclosure Statement (PDS), Target Market Determination (TMD) and Financial Services Guide (FSG). Please read them before you decide to buy.
Duty Not To Misrepresent
You have a duty to take reasonable care not to make a misrepresentation to us when you take out your policy. This duty also applies when you renew, extend, vary or reinstate your policy. Please answer our questions honestly, accurately and to the best of your knowledge. A misrepresentation includes a statement that is false, partially false, or which does not fairly reflect the truth.
If you do not take reasonable care, we may be entitled to reduce the amount we pay on a claim, including to nil, to reflect the position we would have been in if the misrepresentation had not been made. If the misrepresentation is fraudulent, we may be entitled to avoid your policy, which means we may treat it as if it never existed.