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Terms & Conditions

Welcome to the Local Community Insurance Group website (the Website), owned and operated by JLT Risk Solutions Pty Ltd ABN 69 009 098 864 (JLT Public Sector).

By using or visiting this Website, you expressly agree to be bound by and comply with these Terms & Conditions and all applicable laws and regulations. In addition to these Terms & Conditions, other terms of use or conditions may apply to your use of this Website, parts thereof, or to products and services offered via this Website. You will be bound by these additional terms, as applicable.

This Website is to provide insurance information and premium costs directly to not-for-profit clubs and community groups. Quotations are not to be accessed and resold by insurance advisers or other insurance intermediaries.

JLT Public Sector reserves the right to change these Terms & Conditions at any time, effective immediately upon posting on this Website. Please check this page of the Website periodically. Your continued use of the Website following any changes to these Terms & Conditions will be deemed acceptance of those changes.

JLT Public Sector reserves the right to take appropriate legal action against you, if you breach these Terms & Conditions.

Use of materials

Personal Use:
JLT Public Sector authorises you to print, copy, re-produce and download materials on the Site, subject to the material not being modified in any manner.

Where you download material (including software) from this website, the material, including any files, and/or images incorporated in or generated by the software, and data accompanying the software will be licensed to you by JLT Public Sector. You are expressly prohibited from selling, distributing, compiling, modifying, reverse engineering or otherwise dealing with the downloaded material in such a manner.

Commercial Use:
Printing, copying, downloading, reproduction or distribution of material from the website for commercial use of any kind is expressly prohibited without JLT Public Sector’s prior written consent.

Information on the website
This Website has been prepared from information believed to be accurate and reliable at the time it was sourced. JLT Public Sector will use reasonable efforts to update the website on a regular basis, however JLT Public Sector makes no representation and gives no warranty as to the accuracy, currency or completeness of any information on the website. You agree that your use of the information and/or services are entirely at your own risk.

Links to third party websites
This Website may provide access to other websites on the internet via links or hyperlinks (“Linked Sites”). JLT Public Sector is not responsible for the accuracy, legality, and decency of material or copyright compliance of these Linked Sites. JLT Public Sector does not sponsor, endorse, or approve the operators of Linked Sites, or the material which may be found at the Linked Sites.

Completing transactions over the JLT Public Sector website
When entering into a transaction via the Website the transaction will not be completed until confirmation of your payment has been received and processed by JLT Public Sector and these Terms & Conditions are complied with.

Purchasing an Insurance Policy

Where this Website enables you to purchase insurance products or services online:

  • Please read the Financial Services Guide and the Product Disclosure Statement before purchasing the insurance product or service;
  • JLT Public Sector may act on and process all completed electronic instructions transmitted or issued through this Website without further consent from or reference to You;
  • JLT Public Sector may treat an electronic instruction as authentic and is under no obligation to investigate the authenticity or authority of persons issuing or transmitting such electronic instructions, or to verify the accuracy and completeness of such electronic instructions.
  • In the event you wish to purchase the insurance as quoted to you via the Website, upon the completion by you of all required details, your acceptance of the quote will create a binding contract of insurance accompanied by a corresponding policy number.
  • JLT Public Sector may issue paper confirmation of the insurance policy, however the existence of a binding contract is not conditional on JLT Public Sector issuing, or you receiving, such confirmation of the transaction.
  • At all times you are responsible for ensuring you receive a policy number. In the event one is not received, you should contact JLT Public Sector.

Warranties
Every effort has been made to ensure that information on this Website is free from error, however JLT Public Sector does not warrant the accuracy, adequacy or completeness of material on this Website. All information is subject to change without notice. JLT Public Sector does not guarantee that this Website or Linked Sites will be free from any virus, or that access to this 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 or other transactions by other means should this Website be unavailable at any time and for any reason. JLT Public Sector may at any time withdraw the JLT Public Sector Website and without notice to you.

Limitation of liability
Subject to any responsibilities implied by law and which cannot be excluded, JLT Public Sector, and its directors, employees, agents and contractors, are not liable to you for any loss, damage, liability, claim and expense (including but not limited to legal costs and defence or settlement costs) whatsoever, whether direct, indirect or consequential, arising out of or referable to material on this Website, to Linked Sites, Third Party material, third party services, or to access of the JLT Public Sector Website by you, howsoever caused, whether in contract, tort, including negligence, statute or otherwise.

Indemnity
At all times you shall indemnify JLT Public Sector in respect of any liability incurred by JLT Public Sector for any loss or damage, however caused, suffered by JLT Public Sector as a result of your breach of any of the JLT Public Sector Website Terms & Conditions, or your use of the JLT Public Sector Website.

General advice
Any advice on this Website is general. Please read the relevant Product Disclosure Statement to decide whether it suits your needs. JLT Public Sector is also happy to provide you with further information if required.

JLT Public Sector recommends that you seek independent legal advice prior to acting upon material contained on this Website or any Linked Site.

Copyright
Copyright in the material on this Website is at all times owned or licensed by JLT Public Sector.

Except where necessary for and incidental to viewing the material on this website, or as permitted under the Copyright Act 1968 (Cth), or other relevant laws, no material on JLT Public Sector Website may be reproduced, stored in an electronic or other retrieval system, adapted, uploaded to a third party location, framed, performed in public or transmitted in any form whatsoever by any method whatsoever without the prior written consent of JLT Public Sector.

Termination
Your access to this Website may be terminated by JLT Public Sector at any time without any prior notice to you. Restrictions, licences granted to you, disclaimers and limitations of liability shall survive any such termination.

Jurisdiction
This agreement is construed according to and is governed by the laws of New South Wales, Australia.

 




Local Community Insurance Services (LCIS) is a division of JLT Risk Solutions Pty Ltd (ABN 69 009 098 864 AFS Licence No: 226827) (“JLT”) and is a business of Marsh McLennan. This insurance is issued via this website by JLT Risk Solutions Pty Ltd (ABN 69 009 098 864 AFS Licence No: 226827) (“JLT”) under an authority to bind cover on behalf of the insurer. In issuing and underwriting this insurance, JLT acts as agent of the insurer and not as your agent. 

If JLT cannot issue insurance to you as an agent of an insurer because the underwriting information you have provided means that the insurable risk falls outside of our Binding Authority, JLT can instead arrange your insurance on the open market as your agent. In this instance, JLT will be acting in a dual capacity, as an agent for the insurer in collecting the information and then as your agent in arranging the insurance. JLT will also be acting in such a dual capacity in circumstances where you have obtained multiple insurance policies through JLT, where some of those policies have been issued by JLT as agent of an insurer and others have been arranged by JLT as your agent. All insurance coverage is subject to the terms, conditions and exclusions of the applicable individual policies. JLT cannot provide any assurance that insurance can be obtained for any particular client or for any particular risk.

This website contains general information, does not take into account your individual objectives, financial situation or needs and may not suit your personal circumstances. For full details of the terms, conditions and limitations of the covers and before making any decision about whether to acquire a product, refer to the specific policy wordings and/or Product Disclosure Statements available from LCIS on request.

JLT arrange insurance and premium costs directly to not-for-profit clubs and community groups. Quotations, renewals and new business policies are not to be accessed and resold by insurance advisers or other insurance intermediaries.