Website Terms and Conditions
About this website
Welcome to the Ryno Insurance Services website (the Website). The Website is owned and operated by East West Insurance Brokers Pty Ltd ABN 83 010 630 092 AFSL 230041 trading as Ryno Insurance Services (“we”, “us”, “our”). “You” means the Website user. You can find out more about us from our Financial Services Guide and more about our products from the Product Disclosure Statements.
These Website Terms and Conditions apply to your use of the Website. The Ryno Insurance range of products can only be bought by Australian residents. To continue, you have to read and accept these Terms and Conditions by clicking on the “I have read and accepted the Website Terms and Conditions” button at the bottom this page. Additionally, other terms or conditions may apply in relation to products or services offered via the Website, and you will also be bound by these as they apply to you.
If you have a question about any term or condition, service or product, please call one of our friendly and professional consultants on 1300 650 670.
Information and Transactions over the Website
Cover will not commence until we accept your application for cover from a Start Date to be agreed and give you a Cover or Policy Number. Do not confuse this with your Quote Number. Our Business Hours are Monday to Friday 8.30 am to 5 pm.
Request a Quote. The Website enables you to request a quote by submitting basic information to us. You should read your Duty of Disclosure (refer below) before doing so. Your personal information will be treated carefully by us, please see our Privacy Policy
Receive an Estimate Quote. We will use that information to give you an Estimate Quote by email or phone. If we are unable to give you an estimate, we will tell you why and try to help by referring you elsewhere. It is an Estimate Quote because it is subject to meeting underwriting criteria and may change due to various factors e.g. driving offences, claims, driver age, and the vehicle itself, etc. An Estimate Quote is not binding and does not give you any cover.
Apply for Insurance. If you like our estimate, you can apply for a firm quote and insurance cover by:-
- Calling us on 1300 650 670 or
- Responding to our electronic quote and we will call you.
The choice is yours.
We will promptly respond during Business Hours by asking you a few detailed questions enabling us to give a firm quote, subject to receipt of the premium within quoted credit terms, proof of your No Claim Discount rating, and any other condition we tell you about. We will honour the firm quote for 30 days provided your information has not changed.
Commencement of Cover. Cover commences when we accept your application by giving you a Cover or Policy Number. Cover will not commence before the first day of the Period of Insurance whether or not money is paid before then.
Remember:- No Cover or Policy Number means no cover.
Your Duty of Disclosure
What you must tell us
When answering our questions you must be honest and you have a duty under law to tell us anything known to you and which a reasonable person in the circumstances would include in the answer to the question. We will use the answers in deciding whether to insure you and anyone else to be insured under the policy, and on what terms. Your Duty of Disclosure also extends throughout the policy period and to each time you renew the policy.
Who needs to tell us?
It is important that you understand you are answering our questions in this way for yourself and anyone else whom you want to be covered by the policy.
If you do not tell us
If you do not answer our questions in this way, we may reduce or refuse to pay a claim, or cancel the policy.
If you answer our questions fraudulently, we may refuse to pay a claim and treat this policy as never having been in force.
Failure to comply with your Duty of Disclosure, especially concerning your riding/driving history, including speeding fines, could severely affect the result of any claim made on the policy and could lead to the claim being declined.
If you do not understand your duty, please ask us to explain it.
We act on behalf of insurer/s when arranging insurance cover
We arrange policies for and on behalf of insurer/s and act under a binding authority given to us by the insurer/s to administer and issue policies, alterations, renewals and at times to also settle claims. In all aspects of these policies, we act on behalf of the insurer and not for you. We remind you of this when we quote and in the relevant Product Disclosure Statement (PDS).
Our Advice and PDS
Any advice provided on the Website is of a general nature. We have not given you any personal advice until we tell you that we have done so by considering your individual financial situation, objectives or needs. In any event, you should consider the relevant PDS and any other information made available to you before you Request to Buy to ensure that it’s right for you.
Links to Third Party Websites
The Website may provide links to other websites (“Linked Sites”). Any external links are provided as a courtesy and we are not responsible for the accuracy, legality or decency of these Linked Sites. We do not warrant, sponsor, endorse or approve the operators of Linked Sites or the material found at the Linked Sites.
Accuracy and Warranty
Every effort is made to ensure that information on the Website is free from error, however we do not warrant the accuracy, adequacy or completeness of material on the Website. All information is subject to change without notice. We do not guarantee that the Website or Linked Sites will be free from any virus, or that access to the Website or any Linked Sites will be uninterrupted. You are responsible for ensuring you have alternative contingency arrangements in place to enable you to conduct insurance by other means should the Website be unavailable. We may at any time withdraw the Website or products for any reason and without notice.
Limitation of Liability
Subject to any responsibilities implied by law and which cannot be excluded, we are not liable to you for any loss, damage, liability, claim and expense whatsoever, arising out of or referable to material on the Website, to Linked Sites, third party material or services, or to access of the Website by you, howsoever caused.
Indemnity
At all times you shall indemnify us in respect of any liability incurred for any loss or damage we suffer as a result of your breach of any of the Website Terms and Conditions, or your use of the Website.
Jurisdiction
This agreement and these Website Terms and Conditions are governed by the laws of Queensland, Australia. Any claim relating to the Website will be heard by Queensland Courts.
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