For full details of your policy, see please refer to the Product Disclosure Statement.
Authorised representative
R.A.C. Travel Services Pty. Limited (ABN 17 009 164 176, AR No. 228577) (RAC) is an authorised representative of the RAC Travel Insurance insurer Tokio Marine & Nichido Fire Insurance Co., Ltd. (ABN 80 000 438 291 AFSL 246 548) (Tokio Marine). Tokio Marine Management (Australasia) Pty Ltd (ABN 69 001 488 455, AR No. 1313066) is an authorised representative of Tokio Marine, and administers RAC Travel Insurance as the managing agent on behalf of Tokio Marine.
Terms, conditions (including eligibility criteria), exclusions, limits and sub-limits apply. Any advice is general advice only, and does not take into account your specific objectives, financial situation or needs. Before you purchase, please consider the Combined Product Disclosure Statement (PDS) / Financial Services Guide (FSG) and Target Market Determinations (TMDs) available on RAC’s website, or on request from RAC.
Your duty to take reasonable care not to make a misrepresentation
Reference to the words 'Us', 'We' and 'Our', refers to the insurer, Tokio Marine.
Before You start, reinstate, extend, or vary a policy with Us, You have a duty to take reasonable care not to make a misrepresentation to Us (“Your Duty”, "the Duty").
When You ask for cover or request Your cover to be altered, You must answer all the specific questions that We ask accurately, honestly and with reasonable care, to the best of Your knowledge. This may mean, for example, that You should take reasonable steps to find out the answer to a question if You do not already know the answer before responding to the question. We rely on the information that You provide to Us to decide whether or not to insure You and, if so, on what terms (including the cost).
Your Duty ends once We agree, in writing, to insure You. Whether or not You have taken reasonable care not to make a misrepresentation to Us will be determined with regard to all the relevant circumstances, including any of Your particular characteristics or circumstances which We were (or ought to have been) aware of. It may also include the type of insurance cover that You have asked for and who it is intended to be sold to, and whether or not someone was acting on Your behalf when You asked for cover.
Who does the Duty apply to?
Your Duty applies to everyone who will be insured under the policy and Your answers to Our questions on their behalf will be treated as their representations.
What happens if you or they breach the Duty?
If You do not take reasonable care not to make a misrepresentation, We may be entitled to reduce or deny any claim You may make or cancel the policy altogether. If Your failure to comply with Your Duty is fraudulent, We may choose to avoid the contract from the beginning, which means treating it as though Your policy never existed. If You are uncertain about whether or not a particular matter should be disclosed to Us, please contact Us and We will try and assist You.
Complaints
If you have had an experience that is not to your satisfaction, we would like to hear about it and have the opportunity to address your feedback.
We take all feedback seriously and will use the information you have provided for a better member experience.
R.A.C. Travel Services Pty. Limited (ABN 17 009 164 176, AR No. 228577) (RAC) is an authorised representative of the RAC Travel Insurance insurer Tokio Marine & Nichido Fire Insurance Co., Ltd. (ABN 80 000 438 291 AFSL 246 548) (Tokio Marine). Tokio Marine Management (Australasia) Pty Ltd (ABN 69 001 488 455, AR No. 1313066) is an authorised representative of Tokio Marine, and administers RAC Travel Insurance as the managing agent on behalf of Tokio Marine.
Terms, conditions (including eligibility criteria), exclusions, limits and sub-limits apply. Any advice is general advice only, and does not take into account your specific objectives, financial situation or needs. Before you purchase, please consider the Combined Product Disclosure Statement (PDS) / Financial Services Guide (FSG) and Target Market Determinations (TMDs) available on RAC’s website, or on request from RAC.