Insurance can bring up many questions

There are many questions people ask about insurance. On this page we have listed some of the more common ones we are asked, however, if you have a question please ask, we are here to answer your questions so that we can better tailor your insurance needs. Please see below for some of the more commonly asked questions, if you need more information please call or email us.

Common Questions


Personal Risk Insurance

  • What is TPD?
    Total Permanent Disablement is where, as a result if accident of illness, you are so incapacitated that you:
    • Cannot do your own job, or where applicable another job to which your skills may be suited
    • Suffer loss of limbs or sight
    • Cannot perform at least two of the following activities without physical assistance of someone else:
      • Bathing and showering
      • Dressing and undressing
      • Eating and drinking
      • Using a toilet
      • Moving from place to place by walking, in a wheelchair or with a walking aid

    Or, alternatively, you are unable to perform one of the activities noted above and your intellectual capacity has reduced or deteriorated to such an extent that you require permanent and constant supervision.

Fire and General Insurance

  • Do you do domestic insurance?
    Yes, we can offer a large range of Fire and General Insurances. Please contact us on 07 834 4332 for further information.


  • Why use a Mortgage Adviser?
    Mortgage Advisers offer choice, professional advice and expertise.  We have access to a wide range of lenders and we act for you – not the lender.
    We will see you at a time and place that works for you
  • How much does it cost to use a Mortgage Adviser?
    There is no cost to you. The lender pays us for successful applications. If for any reason we do need to charge a fees you will be advised beforehand. There are no hidden costs.
  • What happens after my loan is settled? Do I still need a Mortgage Adviser?
    We keep in regular contact with you (usually an email or phone call every 6 months). We are always here to talk about interest rates, fixed rate rollovers or anything to do with your lending.
  • How much deposit do I need?
    Recent changes by the Reserve Bank have restricted the number of loans with LVRs (Loan to Value Ratios) over 80%, however it is still possible and there are other options. 
    Talk to us and let’s see if we can find a solution for you.  

Medical Insurance

  • What is a 'pre-existing condition'?
    A pre-existing condition is something in your medical history which has occurred before the time of your insurance application. You need to be sure to disclose all pre-existing medical conditions in your application to avoid any problems at claim time. Non-disclosure is the main cause for unpaid claims.
  • What is Prior Approval?
    Prior Approval is very helpful if you have surgery scheduled and want peace of mind that it will be covered, simply complete a prior approval form and send along with your Dr’s referral letter and we will be in touch once the claim has been approved.