It is a term and a condition
of our service to you, that you acknowledge as acceptable
the information contained in;
- Our “Financial Services Guide” (“FSG”)
which is a separate document intended to assist you in
determining whether to use any of our services.
(click
here to obtain an FSG) 
If you do not agree to the terms and conditions and/or
find the terms, conditions and/or the information provided
by us in this and/or any part of this web-site, and/or from
documents obtained on this web-site, to be unacceptable
we cannot offer to provide you any service from this web-site.
If that is the case, please contact our office so that we
can discuss your insurance needs. For your convenience you
can email your contact details on office@rgib.com.au
It is important that you understand that the indicative
insurance quote is an indicative one only. It will be an
indication of the premiums available from Commercial Pacific
Insurance Ltd’ which is an overseas based insurer,
as at 1 April 2005. The indicative quote will be based on
a selection of rates available to us but, are subject to
change at any time. Statutory charges are included. Premium
rates are not guaranteed and may vary depending on an applicant’s
particular circumstances. Based on our experience as an
insurance broker we believe the insurance cover available
from Commercial Pacific Insurance Ltd' is suitable
for most “non-complex” business’s. You will
find a description of non-complex business’s on our
home page. If you do choose to proceed to the point of obtaining
an indicative quote you will be asked the nature and category
of your business. If it does not appear in the list then
most likely your business will be a complex one and you
will most likely need our personalised one on one service.
In that regard you should contact us directly with your
enquiry. It shall be our professional duty to consider an
applicant’s particular circumstances to ensure the
cover we recommend meets the applicant’s requirements,
based on the information provided to us by the applicant.
In some circumstances we may recommend alternative insurance
arrangements with another insurer which may result in material
variances to the actual cost of insurance cover as compared
to the premium rates mentioned herein. If we agree to give
you advice, and/or make a recommendation about your insurance
requirements, we will provide you with our Financial Services
Guide which is a disclosure document which sets out important
matters concerning our services and fees, and any insurance
arrangements recommended to you by us. You will also need
to examine Commercial Pacific Insurance Ltd'
policy wording which contains the terms, conditions and
limitations of the insurance cover available from Commercial
Pacific Insurance Ltd' .
(click
here to obtain CPI Ltd’s Policy Wording)
If you are unable to open the aformentioned documents please
contact us immediately (before proceeding further so that
the document can be forwarded to you in an alternative format).
If you are not satisfied with this arrangement, please
contact our office so that we can discuss your insurance
needs. We may need to conduct a specific needs analysis
of your situation which may lead to us recommending another
insurance company and/or other products and services to
suit your needs.
We need you to acknowledge that you have examined, and
agreed to, the terms and conditions described herein, and
in particular in;
- Our Financial Services Guides
- Our Statement of Advice; and,
- CPI Ltd’s Policy Wording
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