Vulnerability can be short- or long-term and may include issues related to age, disability, mental health conditions, literacy barriers, cultural background, etc.

Insurers, insurance advisers, and assessors are required to treat this information confidentially, so it’s not shared with others unless it’s needed to assist you.

Vulnerable Person

Examples of vulnerable persons may include people experiencing:

• Financial hardship: This can result from a fire, storm, disaster, or reduced income due to loss of work.
• Family violence or coercive control: Insurers can provide additional advice and work with you as needed.
• Disabilities: Physical or mental disabilities. Let your insurer know, so they can work with you especially when making a claim.
• Cultural, language or literacy: Insurers are required to offer additional advice and assistance when you’re buying insurance or when it’s time to make a claim.

Let your insurer know about your vulnerability so they can assist you.

Key reasons to advise you're Vulnerable

Enhanced Claims assistance: You can receive additional assistance as needed during the claims process, including priority assessing, repairs, and claims assistance.

Insurance company & your insurance adviser: They can work with you to assist as needed, revising premium payments, offering counselling or similar services to best manage the vulnerability.

How to Disclose Vulnerability to Your Insurer

If you or a member of your household is vulnerable (even if you're not sure), let your insurance adviser or the insurer/ assessor know as soon as possible.

Let them know your personal circumstances and how you are impacted, it doesn't matter if it’s temporary or permanent. For example, let the insurer know you live outside the nearest town or experiencing personal hardship due to a family matter or loss of income.

If someone has a disability, explain how this affects their daily living. If you have elderly relatives at home, mention their age and any specific needs they may have.

Help if you're Vulnerable

Vulnerability includes issues related to age, disability, finances, mental health conditions, literacy barriers, cultural background, domestic situation, etc. It can be short- or long-term.

Talk to your insurance adviser, insurer and assessors if you think you’re vulnerable, they will treat your information confidentially and empathically, also then can provide you with additional support and assistance.

General advice warning

This communication including any weblinks or attachments is for information purposes only. It is not a recommendation or opinion, your personal or individual objectives, financial situation or needs have not been taken into account. This communication is not intended to be a constitute personal advice. We strongly recommend that you consider the suitability of this information, in respect of your own personal objectives, financial situation and needs before acting on it. This document is also not a Product Disclosure Statement (PDS) or a policy wording, nor is it a summary of a particular product’s features or terms of any insurance product. If you are interested in discussing this information or acquiring an insurance product, you should contact your insurance adviser to obtain and carefully consider any relevant PDS or policy wording before deciding whether to purchase any insurance product.