Documents to Download

This section contains links to our documents in PDF format. We have included usefull guides in response to commonly asked questions. You can view the document by clicking on the PDF image and then save the document on your computer for further reference. You will need to have Adobe Acrobat installed. Get Adobe Reader.

Our Privacy Policy.
A guide to how we handle your information.
We are covered by the Federal Privacy Act and its National Privacy Principles.

Our Financial Services Guide.
A guide to our relationship with you and others.
Details our Services, Remuneration, Associations, Dispute Resolution and Information Management.

What is the Duty of Disclosure.
Your obligations under the Insurance Contracts Act 1984. What you must tell the Insurer.

What should I do if I have a Motor Vehicle Accident.
Some handy hints.
This document may be printed and retained in your Car.

Who and when do you notify an incident involving a worker.
Relates to NSW Workers' Compensation queries only.
Defines what a serious incident is and the required procedure.

How does GST effect Insurance.
The application of GST on Policies and Claims.
Includes some usefull explanations and examples.

Tips on General Insurance .
Includes Home, Contents and Business Insurance.
Prepared by the ICA and its members it addresses claims and disputes.

How do I determine who are Workers' and Contractors' in terms of NSW Workers Compensation? .
NSW WorkCover have now addressed this issue.
The self-Assessment tool and Private Ruling.

The Insurance Brokers' Code of Practice .
The Code was developed by the National Insurance Brokers Association (NIBA).
The scheme is administered by Financial Ombudsman Service (FOS) ph1300 780 808 or email

The Financial Claims Scheme (FCS) .
Established in October 2008 its purpose is to protect certain policyholders and other claimants where an Insurer is insolvent.
APRA is responsible for the administration of the FCS.

The Emergency Services Levy (ESL) .
From 1 July 2017, the NSW Government planned to abolish the Emergency Services Levy (ESL) on insurance policies and replace it with an Emergency Services Property Levy (ESPL), paid alongside council rates. this reform has been deferred.
Funding of these services will continue via the insurance system and an ESL in your policy. The Emergency Services Levy Insurance Monitors role is to ensure there is no over-collection of ESL, unreasonable pricing or false or misleading conduct in relation to the re-establishment of the ESL.