Terms and Conditions

About this website
Welcome to the Landcover website. Landcover Pty Ltd ABN 67 119 345 461 is an Authorised Representative (311341) of Multi-Functional Policies Pty Ltd ACN 054 829 999 Australian Financial Services No. 241685, who trade under the name of MFP Insurance Brokers and have been providing Insurance and advice to Australian’s since 1985.

These Website Terms and Conditions apply to your use of the Website. 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 08 8419 4000

Description of Product or Service
The information or descriptions contained herein are not intended to be a complete description of all terms, exclusions and conditions applicable to the products and services, but are provided solely for information purposes. Full details of the insurance products are contained in the policy document.

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 that 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, 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. 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.

Copyright and Trademarks
The contents of this site are protected by copyright and may be viewed and used for your personal use only. If you would like to use the material for any other purpose please contact Landcover Pty Ltd or its appropriate supplier or associate. All trademarks, services marks, trade names, logos and icons are the property of Landcover Pty Ltd and/or it’s supplier sand/or its associates. Nothing contained in this website shall be construed as granting, by implication, estoppels or otherwise any licence or righto to use any trademark, displayed on this website without the written permission of Landcover Pty Ltd or such third party which may own the trademarks displayed on this website. Your use of the trademarks displayed on this website, or any other content on this website, except as provided herein is strictly prohibited.

Australian Law
The provision by Landcover Pty Ltd of our insurance products and services found on this Web site is governed by and subject to Australian Law.

Links to other Internet Sites
This site may contain links to Internet sites belonging to other parties. Landcover Pty Ltd does not guarantee the completeness or accuracy of, or accept any responsibility for, information contained within any linked sites.