Explains your duty of disclosure, which means you need to be honest and open with us and tell us all the things that are relevant to obtaining you insurance cover or insureing your risk. Please read the duty of disclsure and if you have questions please ask. For the types of insurance advice we are able to provide such as best short term rental insurance for your needs or help to compare holiday home insurance for your short term rental property you need to be open and honest with us. Your Duty of Disclosure Before you enter into an insurance contract, you have a duty to tell the insurer anything that you know, or could reasonably be expected to know, that may affect the insurer’s decision to insure you and on what terms. You have this duty until they agree to insure you. You have the same duty before you renew, extend, vary, or reinstate an insurance contract. You do not need to tell the insurer anything that: • reduces the risk they insure you for; or • is common knowledge; or • the insurer knows, or should know: or • the insurer waives your duty to tell them about. If you do not tell the insurer something If you do not tell the insurer anything you are required to, they may cancel your insurance contract or reduce the amount they will pay you if you make a claim, or both. If your failure to tell them is fraudulent, they may refuse to pay a claim and treat the insurance contract as if it never existed. ADDITIONAL DUTY NOT TO MAKE A MISREPRESENTATION - (Applies to consumer insurance contracts only) A consumer insurance contract (CIC) is a contract that is purchased for personal, domestic or household purposes. You have a duty under the Insurance Contracts Act 1984 (ICA) to take reasonable care not to make a misrepresentation to the insurer (your duty). Your duty applies only in respect of a policy that is a consumer insurance contract, which is a term defined in the ICA. Your duty applies before you enter into the policy and also before you renew, extend, vary or reinstate the policy. Before you do any of these things, you may be required to answer questions and the insurer will use the answers you provide in deciding whether to insure you, and anyone else to be insured under the policy, and on what terms. To ensure you meet your duty, your answers to the questions must be truthful, accurate and complete. If you fail to meet your duty, the insurer may be able to cancel your contract, or reduce the amount it will pay if you make a claim, or both. If your failure is fraudulent, the insurer may be able to refuse to pay a claim and treat the contract as if it never existed. DUTY OF GOOD FAITH Both parties to an insurance contract, the insurer and the insured, must act towards each other with the utmost good faith. If you fail to do so, the insurer can cancel your insurance. If the insurer fails to do so, you may be able to sue the insurer. Non-Disclosure – What happens if you don’t tell us The insurer may be entitled to: • Cancel your policy • Treat your policy as if it never operated • Reduce or refuse to pay a claim. The duty applies to each person named in the policy as the insured. If your non-disclosure is fraudulent, the Insurer may also have the option of avoiding the contract from the beginning. Please note: if you haven’t told the truth you might not be covered. Target Market Determinations (TMDs) - Applies to Retail consumer insurance Insurers have created Target Market Determinations (TMDs) which set out the type of customer and risk the product is designed for. We will provide links for each product that falls within these criteria for this financial product when yo apply or renew insurance. If you would like a copy of the TMD, please advise us so that we can make this available to you. Before you make any decision about whether the policy is right for you, you should obtain and read the Product Disclosure Statement (PDS) for the policy. ESSENTIAL READING OF POLICY WORDING The policy wordings for your insurances are essential reading to understand what is protected by each policy. Read them carefully as soon as possible and contact us if you have any concerns about the extent of your cover. For all the types of insurance advice we are able to provide such as commercial property insurance, short term rental insurance or helping to compare holiday home insurance for your short term rental property, you always need to be open and honest with us.

Contact us. We can help with your Holiday Home Insurance, Business, Property, Commercial or Personal Insurance needs. We are based in Forster-Tuncurry NSW and have clients Australia Wide. Call us page How to Contact Us Call us on the above numbers. If your request comes through outside office hours, please leave a message with your phone number and name and we will return your call as soon as we can. You can also send an email using the email link below or to work@insuremore.com.au For emergency claims you can also call the insurer listed on your insurance schedule. Have your policy number ready ! If you need to contact us about your insurance renewal or for a quote on insurance for your Holiday Home Property, Commercial Property, Landlords, Serviced Apartment, Public Liability, Business or any other insurance, you can call us on the numbers above or email using the form below . Holiday Coast Region If you live locally on the NSW Mid North Coast in the Forster, Tuncurry, Taree and Barrington Coast region your welcome to drop in and visit us personally to meet any of our Insurance Brokers at our office located in the arcade next to the Forster-Tuncurry area Ambulance Station. To see our Forster Tuncurry area office location click here to see on a Map. To see our Taree office location click here to see a map Email us Email Contact page

Need Service Apartment holiday unit insurance for a property that you rent out on a short-term basis. If a holiday maker causes a fire and your Apartment or Unit is destroyed, you may not be covered. Get the correct insurance cover. Serviced Apartment Quote Start a Landlords Quote Serviced Apartment & Unit Insurance Coverage Options for Your Investment Property We provide specialised insurance for: Short-term rental apartments & units Holiday letting properties Serviced apartments Owner-occupied units Long-term rental apartments Comprehensive Protection Includes: Fire, storm, and malicious damage coverage Accidental damage options Public liability protection Contents and owner's fittings Loss of rental income Tenant damage protection Tailored coverage for your specific situation Two Easy Ways to Get Covered: Option 1: For Short-Term Rentals & Owner-Occupied Units Best for properties with stays under 3 months or owner-occupied units More tailored coverage options Access to multiple specialist insurers Personalised service from our team Option 2: For Long-Term Rentals (3+ months) Quick online form to submit all the information we need to provide a quote Important Coverage Notes: Cover varies between insurers which we will advise when we provide a quote. Been Declined Elsewhere? We specialise in finding solutions for properties that other insurers won't cover! With our access to multiple insurers, we can often secure coverage when others can't. Need Expert Advice? Call us: 02 6555 5022 Email: work@insuremore.com.au Hours: Monday-Friday, 9am-5pm Complete policy details provided in Product Disclosure Statement with your quote. Call us 02 6555 5022

How we are protecting your privacy in accordance with the Privacy Act 1998 (Cth) and Australian Privacy Principles and how we use your information to help with your insurance. OUR PRIVACY POLICY STATEMENT At Insure More @ we are committed to protecting your privacy. As authorised brokers of Community Broker Network (cbn) we are committed to protecting your privacy in accordance with the Privacy Act 1998 (Cth) and the Australian Privacy Principles. The privacy policy describes our current policies and practices in relation to the collection, handling, use and disclosure of personal information. It also deals with how you can complain about a breach of the privacy laws and how you can access the personal information we hold and how to have that information corrected. You can read the full privacy policy by vieiwng the Privacy Policy link below. Whether your providing details for a holiday home insurance, landlords home property, car insurance, business or personal insurance or contacting one of our insurance brokers for a quote we abide by the privacy principals .

Insurance Brokers Providing Cost Efficient Insurance, High Value Protection, Be Smart with your Insurance needs, get covered with quality insurance and advice. Call now or complete an online form. Get a quote and compare your insurance today.TUNCURRY REFERRAL PAGE REFERRAL PAGE CARAVAN / MOTORHOME HOLIDAY HOME MOTORCYCLE HOME & CONTENTS BOAT/ JETSKI CAR Get a Free Quote This is a Paragraph. Click on "Edit Text" or double click on the text box to start editing the content. First Name Last Name Email Send Thanks for submitting!

Need a quote for your car, truck, or vehicle CTP Greenslip insurance so you can renew your vehicle registration in NSW. Complete the form for a free quote. If you wish to go ahead we can email your green slip. Live locally in the Forster Tuncurry area drop over to our office if you prefer. NSW Greenslip & CTP Insurance - Quick, Easy, Competitive Need a greenslip to renew your NSW vehicle registration? We offer competitive CTP insurance quotes with no obligation. Get Your Quote: • Call us: 02 6591 3467 • Provide your NSW registration and billing number for accurate pricing We Also Offer: • Comprehensive Car Insurance • Third Party Property Insurance Serving the Forster-Tuncurry area since 1987, we're your local insurance experts. Compare rates today and save!

About how we started in insurance in Muswellbrook and moved to Forster Tuncurry, serving insurance customers Australia wide. We are Authorised Brokers of Community Broker Newtwork which is a member of Steadfast Group. About Us - Our Insurance History A Legacy of Trust Since 1985 Insure More brings together decades of insurance expertise with a fresh, client-focused approach. Our story began in 1985 when the Murray family established SM Insurance & Investment Advisers in Muswellbrook, NSW, before settling in the beautiful Forster-Tuncurry region in 1987. Our journey expanded in 1988 when the Edwards family founded REIB Insurance Brokers in Taree. Today, we've united these trusted family businesses under the Insure More brand—same experienced team, same commitment to service, just a more dynamic name that reflects our dedication to providing comprehensive insurance solutions. Local Presence, Nationwide Service While we proudly maintain our local offices in Forster-Tuncurry and Taree where we welcome face-to-face visits, our reach extends across Australia. Whether you're a coastal neighbor or calling from Perth, Darwin, or anywhere in between, we deliver the same personalized service and tailored insurance solutions. Comprehensive Coverage Options Our expertise spans a wide range of insurance needs: • Holiday Home & Short-Term Rental Protection • Investment Property Coverage • Commercial & Business Insurance • Public Liability Protection • Construction & Trades Insurance • Personal Insurance (Home, Car, Boat) • Greenslips & Motor Vehicle Coverage Our Strength in Partnership As an Authorised Broker of Community Broker Network Pty Ltd and member of the Steadfast Group, we combine the personal touch of a local broker with the strength and resources of Australia's largest broker network. Let's Connect Whether you're looking to review existing coverage or exploring new protection options, we're here to help you insure more of what matters most. Insure more, so you can worry less We are an Authorised Broker of Community Broker Network Pty Ltd. Community Broker Network Pty Ltd is a member of the Steadfast Group.

Insurance Brokers Providing Cost Efficient Insurance, High Value Protection, Be Smart with your Insurance needs, get covered with quality insurance and advice. Call now or complete an online form. Get a quote and compare your insurance today.TAREE REFERRAL PAGE

Insurance Brokers Providing Cost Efficient Insurance, High Value Protection, Be Smart with your Insurance needs, get covered with quality insurance and advice. Call now or complete an online form. Get a quote and compare your insurance today.Taree Our Team: Locally Established, Nationally Connected At the heart of our brokerage is a close-knit family of insurance professionals deeply connected to our community. Locally owned by Matt Fawcett & Paul Stack, our team brings together decades of local experience and relationships that shine through in everything we do. A Legacy of Service Since Roger & Ros Edwards founded our business in 1988, we've grown from strength to strength. When Matt took the helm, he built upon this solid foundation, expanding our team to eight dedicated professionals across our Taree and Tuncurry offices. Together, we guide nearly 1,400 clients through their insurance journey each year. Our Collective Expertise Our team's combined knowledge allows us to serve diverse clients - from family homes to major manufacturers, small businesses to commercial property portfolios. This breadth of expertise means we collaborate daily, sharing insights to deliver the best solutions for every client. Backed by Industry Leaders As an Authorised Representative of Community Broker Network and part of the Steadfast Group (Australasia's largest general insurance broker network), our team leverages collective strength. This partnership empowers us to access exclusive policy options and competitive terms while maintaining our local, personalized approach. Our Commitment to You When you work with us, you're not just getting one broker – you're gaining a team of advocates. From initial quote to claims support, we stand together to provide the attentive service and protection you deserve. Connect with our friendly team today on (02) 6591 3467 and experience the difference a truly collaborative approach to insurance can make . 02 6591 3467 Level 2, Suite 201, 1 Pulteney Street Taree NSW 2430 work@insuremore.com.au

Insurance coverage: Cost Efficient Insurance, High Value Protection, Be Smart with your Insurance needs, get covered with quality insurance and advice. Call now or complete an online form. Get a quote and compare your insurance today. Leave a review on google. Google Reviews insurance Insure More @ Leave a Review on Google ---> Leave a Review If your happy with our service, the insurance we have arranged for you and have a spare minute it would be much appreciated if you could post a review on Google here. Just click the button above or scan barcode below to leave a review on Google. It helps build trust in our business for people who do not know us and also provides valuable feedback to help us improve. Holiday Home Insurance, Business, Commercial Property, Shed Insurance or Personal insurance we love to help. If your not happy we would appreciate you contacting us on 02 6555 5022 to see if we can help you and find out your thoughts.

Forster-Tuncurry NSW Insurance Brokers, providing a wide range of insurance services to the local Forster Tuncurry area since 1985. Get insurance and advice. Your Local Insurance Experts In Tuncurry/Forster Nestled in the stunning Barrington Coast, our insurance brokerage has been proudly serving Forster-Tuncurry and surrounds for years. From the crystal-clear waters of Wallis Lake to the charming communities of Taree and Gloucester, we're your neighbors who understand local needs. But here's the exciting part - we help clients nationwide! Whether you're a local looking for face-to-face service or you're anywhere else in Australia seeking expert insurance advice, we've got you covered. As independent brokers, we don't just offer one insurer's products - we shop around to find your perfect match! We Specialise In: • Holiday homes and short-term rentals • Investment properties • Commercial buildings • Construction projects • Public liability protection • Personal insurance (home, car, boat) • Green slips for vehicle registration Let's Connect! 💻 Complete our quick online form 🚶♂️ Drop by for a chat! Insurance renewal coming up? Don't just pay the bill - let us provide a FREE comparison quote that could save you money while improving your coverage! Your local experts with nationwide reach - making insurance simple from the beautiful Barrington Coast to beyond! Our Office Map Location

Find out what Commercial Property Insurance covers and how to obtain Insurance Coverage on one of your most important assets. Learn about the types of options on a Commercial Property Insurance Package and the things that are not covered or that your need to be aware of. How to find a broker. Commercial Property Insurance Guide What Is Commercial Property Insurance? Commercial Property Insurance protects your physical business assets from damage or loss. Unlike residential policies, it covers properties occupied by businesses, with premiums varying based on tenant risk levels. For example, an office building typically costs less to insure than a factory with flammable materials. Always inform your insurer when tenants change, as this affects your coverage and premium. Coverage Options These policies typically cover events like fire, storm, earthquake, impact, explosion, and malicious damage. Optional coverages include loss of rental income, glass breakage, machinery breakdown, debris removal, landlord's contents, fixtures and fittings, stock, tax audit, and liability protection. Property Owners Public Liability This essential coverage protects you if someone is injured on your property due to issues related to your ownership (like faulty steps or falling tiles). Without this protection, you could be personally liable for significant damages. Important Exclusions Commercial policies typically don't cover high-risk tenants not disclosed to insurers, buildings vacant for extended periods (60-90 days), employee claims, registered vehicle use, or asbestos-related claims. Many Australian policies only cover "listed events" - if an incident isn't specifically listed, it's not covered. How We Help We specialise in protecting various commercial properties including industrial buildings, factories, warehouses, strata properties, retail spaces, and offices. Using multiple insurers allows us to tailor coverage to your specific needs and budget. Getting Started Request a quote by submitting our online form, calling 02 6555 5022 or sending us an email on the below link. We'll provide options and information with no obligation, and all policies include a 14-day cooling-off period. We'll help you compare options from our approved insurers to find the right coverage at competitive rates. Start a Quote Email us

Find out what Commercial Property Insurance covers and how to get Insurance on one of your most important assets. Learn about Commercial Property & Shed Insurance. Commercial Property Owners Insurance Quick Solutions for Building Owners Whether you own commercial property for investment or business use, our tailored insurance packages protect your valuable assets. We specialize in coverage for industrial buildings, commercial sheds, retail spaces, and mixed-use properties. We Cover These Common Scenarios: • Building owner leasing to tenants • Owner-occupier leasing portion to others • Full owner-occupier • Vacant building seeking tenants Comprehensive Protection Options: • Building structure • Loss of rental income • Property owners liability • Glass coverage • Machinery breakdown • Debris removal costs • Landlords contents and fixtures • Public liability Why Commercial Property Insurance Matters Your commercial property represents a significant investment. Without proper insurance, a single fire, storm, or liability claim could devastate your financial position. Important Considerations: • Tenant changes must be reported to maintain coverage • Different occupations carry different risk ratings and premiums • Unoccupied buildings require special coverage arrangements • Listed events policies only cover specified perils • Accidental damage options provide broader protection Our Advantage: • Access to multiple insurers for competitive pricing • Tailored solutions for your specific property type • Experience with hard-to-insure properties • 14-day free look period on new policies • Personalized service from commercial property specialists Get Protected Today: • Complete our online quote form • Call us at 02 6555 5022 • Email your property details Full policy conditions available in the Product Disclosure Statement provided with your quote. Start a Property Owners Quote