ReadyCare Risk Management Pty Ltd

Home Insurance offers a simple, affordable and comprehensive insurance package to meet your building and contents insurance needs. Home Insurance offers you the option to take up building replacement cover for your home. With building replacement cover, you have the reassurance that your home will be replaced, should you suffer a total loss as a result of an insured event.

Find out more about home insurance speak to our friendly ReadyCare Risk Consultants (available 9.00am to 5.00pm, AEST, Monday to Friday) on 1300 306 490  or alternatively click here to complete an enquiry form. We will respond within one business day.

ReadyCare Risk Management ABN 17 085 587 784 is an authorised representative of the insurer CGU Insurance Limited (‘CGU’) ABN 27 004 478 371, AFSL 238291. You can get a PDS for the insurance products by calling ReadyCare on 1300 306 490.

We understand that you may want to protect your possessions without also having to insure the building you live in. You may be renting, or boarding. That’s why our Contents Insurance is available separately from our Home Insurance.

Find out more about contents insurance speak to our friendly ReadyCare Risk Consultants (available 9.00am to 5.00pm, AEST, Monday to Friday) on 1300 306 490  or alternatively click here to complete an enquiry form. We will respond within one business day

ReadyCare Risk Management ABN 17 085 587 784 is an authorised representative of the insurer CGU Insurance Limited (‘CGU’) ABN 27 004 478 371, AFSL 238291. You can get a PDS for the insurance products by calling ReadyCare on 1300 306 490.

Landlord Insurance is designed specifically for landlords and, unlike many standard home policies, provides cover for damage caused by tenants. It is designed with an emphasis on protecting your residential property investment and rental cashflow and includes the usual major risks, like fire or storm damage, malicious damage or vandalism caused by tenants or deliberate or intentional damage caused by tenants .

Find out more about Landlords insurance speak to our friendly ReadyCare Risk Consultants (available 9.00am to 5.00pm, AEST, Monday to Friday) on 1300 306 490   or alternatively click here to complete an enquiry form. We will respond within one business day

ReadyCare Risk Management ABN 17 085 587 784 is an authorised representative of the insurer CGU Insurance Limited (‘CGU’) ABN 27 004 478 371, AFSL 238291. You can get a PDS for the insurance products by calling ReadyCare on 1300 306 490.

Our Farm Insurance is an all-inclusive package covering you for both the personal and business aspects of running a farm. You can qualify for Farm Insurance whether you have a working or hobby farm. Because your farm can be your home and livelihood, any loss of assets, legal liability claim or interruption to trade could mean a reduction in living standards for you and your family. Farm Insurance is specially tailored to protect your standard of living and your business, in the event of serious misfortune such as fire, machinery breakdown or loss of stock.

Find out more about Farm insurance speak to our friendly ReadyCare Risk Consultants (available 9.00am to 5.00pm, AEST, Monday to Friday) on 1300 306 490  or alternatively click here to complete an enquiry form. We will respond within one business day

ReadyCare Risk Management ABN 17 085 587 784 is an authorised representative of the insurer CGU Insurance Limited (‘CGU’) ABN 27 004 478 371, AFSL 238291. You can get a PDS for the insurance products by calling ReadyCare on 1300 306 490.

We provide:

• Fully comprehensive insurance with optional extras.
• Third party fire and theft cover.
• Third party cover.

Find out more about motor vehicle insurance speak to our friendly ReadyCare Risk Consultants (available 9.00am to 5.00pm, AEST, Monday to Friday) on 1300 306 490 or alternatively click here to complete an enquiry form. We will respond within one business day.

ReadyCare Risk Management ABN 17 085 587 784 is an authorised representative of the insurer CGU Insurance Limited (‘CGU’) ABN 27 004 478 371, AFSL 238291. You can get a PDS for the insurance products by calling ReadyCare on 1300 306 490.

ReadyCare Risk Management ABN 17 085 587 784 is also an authorised representative of the insurer Suncorp Financial Services Pty Ltd (‘SFS’) ABN 50 010 844 621, AFSL 229869. You can get a PDS for the insurance products by calling ReadyCare on 1300 306 490.

Motorcyclists are exposed to greater risks on the road than motorists. Our Motorcycle Insurance can cover you for accidental loss or damage to your motorcycle, and for damage to other people’s vehicles or property.

Find out more about motorcycle insurance speak to our friendly ReadyCare Risk Consultants (available 9.00am to 5.00pm, AEST, Monday to Friday) on 1300 306 490  or alternatively click here to complete an enquiry form. We will respond within one business day.

ReadyCare Risk Management ABN 17 085 587 784 is an authorised representative of the insurer CGU Insurance Limited (‘CGU’) ABN 27 004 478 371, AFSL 238291. You can get a PDS for the insurance products by calling ReadyCare on 1300 306 490.

You should be able to enjoy your trips without worrying about damage to your caravan. Our Caravan Insurance provides extensive cover for everything from theft or accident to public liability. Cover for loss of, or damage to, your caravan, annexe or trailer, including fire or theft. Optional contents cover. We cover you for loss of, or damage to, the contents of your caravan.

Find out more about caravan insurance speak to our friendly ReadyCare Risk Consultants (available 9.00am to 5.00pm, AEST, Monday to Friday) on 1300 306 490 or alternatively click here to complete an enquiry form. We will respond within one business day.

ReadyCare Risk Management ABN 17 085 587 784 is an authorised representative of the insurer CGU Insurance Limited (‘CGU’) ABN 27 004 478 371, AFSL 238291. You can get a PDS for the insurance products by calling ReadyCare on 1300 306 490.

Our Boat Insurance can provide extensive cover for everything from theft or accident to public liability. Cover for accidental loss of, or damage to, your boat and equipment. Optional contents cover. We cover you for loss of, or damage to, the personal effects on board your boat.

Find out more about boat insurance speak to our friendly ReadyCare Risk Consultants (available 9.00am to 5.00pm, AEST, Monday to Friday) on 1300 306 490 or alternatively click here to complete an enquiry form. We will respond within one business day.

ReadyCare Risk Management ABN 17 085 587 784 is an authorised representative of the insurer CGU Insurance Limited (‘CGU’) ABN 27 004 478 371, AFSL 238291. You can get a PDS for the insurance products by calling ReadyCare on 1300 306 490.

Description

• Pays a lump sum benefit on death or terminal illness.
• Can be used to eliminate debt and help fund your family's ongoing living expenses.
• Optional Total and Permanent Disablement (TPD) Cover and Trauma Cover can be added.
• Discounts apply for Non-Smokers, Professional Occupations (AAA and AA) and Life Cover of $500,000 or greater.
• Sums insured can be automatically indexed by the higher of CPI or 5%.

Suitable for

• Families with dependants
• Anyone with high debt who would not want their family to be burdened.

Don't let you or your family's world turn upside down. We will help you decide on the right cover to suit your circumstances. Terms, Conditions, Limitations and Exclusions apply in all cases.

Find out more about any of the insurances listed above, speak to our friendly ReadyCare Risk Consultants (available 9.00am to 5.00pm, AEST, Monday to Friday) on 1300 306 490 or alternatively click here to complete an enquiry form. We will respond within one business day.

ReadyCare Risk Management ABN 17 085 587 784 is an authorised representative of the insurer American International Assurance Company (Australia) Ltd trading as AIG Life, ABN 79 004 837 861, AFSL 230043 (AIG Life). You can get a PDS for the insurance products by calling ReadyCare on 1300 306 490. The Superannuation Term Life Plan (when issues through the AIA Superannuation Fund, RSE Fund Registration No. R1067682 (the Fund), is owned by Trust Company Superannuation Services Limited, ABN 49 006421638, AFSL, 235153, RSEL, L0000635 (Trustee).

Description

• You can use this as part of your superannuation arrangements and offers a:
• Term Life Benefit
• Limited Term Benefit (5 or 10 years), and
• Permanent Disablement Stand Alone Benefit.
• You can choose any of the three benefits or any combination of the three benefits.

Suitable for

• Usually acquired by the trustee of your private/self-managed superannuation fund (SMSF) on your behalf.

Don't let you or your family's world turn upside down. We will help you decide on the right cover to suit your circumstances. Terms, Conditions, Limitations and Exclusions apply in all cases.

Find out more about any of the insurances listed above, speak to our friendly ReadyCare Risk Consultants (available 9.00am to 5.00pm, AEST, Monday to Friday) on 1300 306 490 or alternatively click here to complete an enquiry form. We will respond within one business day.

ReadyCare Risk Management ABN 17 085 587 784 is an authorised representative of the insurer American International Assurance Company (Australia) Ltd trading as AIG Life, ABN 79 004 837 861, AFSL 230043 (AIG Life). You can get a PDS for the insurance products by calling ReadyCare on 1300 306 490. The Superannuation Term Life Plan (when issues through the AIA Superannuation Fund, RSE Fund Registration No. R1067682 (the Fund), is owned by Trust Company Superannuation Services Limited, ABN 49 006421638, AFSL, 235153, RSEL, L0000635 (Trustee).

Description

• Pays a lump sum should the life insured be diagnosed, and confirmed by us, with one of 39 crisis events defined under the crisis groups of Cancer, Coronary and Other Serious Crisis Events.
• Premium Discounts for Non-Smokers, Sum Insured of $300,000 or greater dependent on age of life insured (Crisis Recovery Stand Alone only).
• Sums insured can be automatically increased by the higher of CPI and 5%pa.

Suitable for

• Open to anyone between the ages of 16 and 64 next birthday.

Don't let you or your family's world turn upside down. We will help you decide on the right cover to suit your circumstances. Terms, Conditions, Limitations and Exclusions apply in all cases.

Find out more about any of the insurances listed above, speak to our friendly ReadyCare Risk Consultants (available 9.00am to 5.00pm, AEST, Monday to Friday) on 1300 306 490 or alternatively click here to complete an enquiry form. We will respond within one business day.

ReadyCare Risk Management ABN 17 085 587 784 is an authorised representative of the insurer American International Assurance Company (Australia) Ltd trading as AIG Life, ABN 79 004 837 861, AFSL 230043 (AIG Life). You can get a PDS for the insurance products by calling ReadyCare on 1300 306 490. The Superannuation Term Life Plan (when issues through the AIA Superannuation Fund, RSE Fund Registration No. R1067682 (the Fund), is owned by Trust Company Superannuation Services Limited, ABN 49 006421638, AFSL, 235153, RSEL, L0000635 (Trustee).

Description

• Provides a payment in the event of the life insured being diagnosed as sustaining one of the events, such as Cancer, Complications of Pregnancy, Congenital Abnormalities of Child, Reconstructive Cosmetic Surgery and other Illnesses.
• Sums insured can be automatically increased by the higher of CPI and 5%pa.

Suitable for

• Females between the ages of 16 and 60 next birthday.

Don't let you or your family's world turn upside down. We will help you decide on the right cover to suit your circumstances. Terms, Conditions, Limitations and Exclusions apply in all cases.

Find out more about any of the insurances listed above, speak to our friendly ReadyCare Risk Consultants (available 9.00am to 5.00pm, AEST, Monday to Friday) on 1300 306 490 or alternatively click here to complete an enquiry form. We will respond within one business day.

ReadyCare Risk Management ABN 17 085 587 784 is an authorised representative of the insurer American International Assurance Company (Australia) Ltd trading as AIG Life, ABN 79 004 837 861, AFSL 230043 (AIG Life). You can get a PDS for the insurance products by calling ReadyCare on 1300 306 490. The Superannuation Term Life Plan (when issues through the AIA Superannuation Fund, RSE Fund Registration No. R1067682 (the Fund), is owned by Trust Company Superannuation Services Limited, ABN 49 006421638, AFSL, 235153, RSEL, L0000635 (Trustee).

Description

• Provides a lump sum payment to the policy owner in the event of a crisis being sustained by the child during the term of the benefit. Events such as Death, Terminal Illness and other events such as cancer, coma, kidney failure, major burns and others.

Suitable for

• Life Insured (Parent) between the ages of 16 and 60 next birthday and Child Insured between ages of 2 and 15 years next birthday.

Don't let you or your family's world turn upside down. We will help you decide on the right cover to suit your circumstances. Terms, Conditions, Limitations and Exclusions apply in all cases.

Find out more about any of the insurances listed above, speak to our friendly ReadyCare Risk Consultants (available 9.00am to 5.00pm, AEST, Monday to Friday) on 1300 306 490 or alternatively click here to complete an enquiry form. We will respond within one business day.

ReadyCare Risk Management ABN 17 085 587 784 is an authorised representative of the insurer American International Assurance Company (Australia) Ltd trading as AIG Life, ABN 79 004 837 861, AFSL 230043 (AIG Life). You can get a PDS for the insurance products by calling ReadyCare on 1300 306 490. The Superannuation Term Life Plan (when issues through the AIA Superannuation Fund, RSE Fund Registration No. R1067682 (the Fund), is owned by Trust Company Superannuation Services Limited, ABN 49 006421638, AFSL, 235153, RSEL, L0000635 (Trustee).

Description

• Provides an income stream in the event of the Total or Partial Disablement of the life insured due to Injury or Sickness.
• Benefits include a monthly income upon total disablement of the life insured, coverage can be agreed value or indemnity basis, premium discounts for an insured monthly benefit or $3,000 or greater.

Suitable for

• Open to anyone above 16 years of age with upper age limit depending on occupation.

Don't let you or your family's world turn upside down. We will help you decide on the right cover to suit your circumstances. Terms, Conditions, Limitations and Exclusions apply in all cases.

Find out more about any of the insurances listed above, speak to our friendly ReadyCare Risk Consultants (available 9.00am to 5.00pm, AEST, Monday to Friday) on 1300 306 490 or alternatively click here to complete an enquiry form. We will respond within one business day.

ReadyCare Risk Management ABN 17 085 587 784 is an authorised representative of the insurer American International Assurance Company (Australia) Ltd trading as AIG Life, ABN 79 004 837 861, AFSL 230043 (AIG Life). You can get a PDS for the insurance products by calling ReadyCare on 1300 306 490. The Superannuation Term Life Plan (when issues through the AIA Superannuation Fund, RSE Fund Registration No. R1067682 (the Fund), is owned by Trust Company Superannuation Services Limited, ABN 49 006421638, AFSL, 235153, RSEL, L0000635 (Trustee).

Description

• Travel Insurance is designed to protect you whilst on holidays against unforeseeable events which include lost luggage, medical expenses and booking cancellations.
• Benefits cover; Overseas medical and dental expenses; Personal liability; Luggage and travel documents; Cancellation costs; Accidental death, disability and loss of income

Suitable for

• For individual or family travelling in Australia or overseas.

Find out more about travel insurance speak to our friendly ReadyCare Risk Consultants (available 9.00am to 5.00pm, AEST, Monday to Friday) on 1300 306 490 or alternatively click here to complete an enquiry form. We will respond within one business day.

ReadyCare Risk Management ABN 17 085 587 784 is an authorised representative of the insurer CGU Insurance Limited (‘CGU’) ABN 27 004 478 371, AFSL 238291. You can get a PDS for the insurance products by calling ReadyCare on 1300 306 490.

Description

• Provides peace of mind for you and your family. The peace of mind that comes from knowing that a cash benefit will be paid to you should you experience involuntary unemployment, accidental injury or trauma.  

Suitable for

• Individuals who are at least 18 years of age and under 64 years of age who are permanent residence of Australia.

Find out more about Lifestyle Protection (Rebound) insurance speak to our friendly ReadyCare Risk Consultants (available 9.00am to 5.00pm, AEST, Monday to Friday) on 1300 306 490 or alternatively click here to complete an enquiry form. We will respond within one business day.

ReadyCare Risk Management ABN 17 085 587 784 is an authorised representative of National Underwriting Agencies PTY LTD ABN 60 089 657 849, AFSL 246229. You can get a PDS for the insurance products by calling ReadyCare on 1300 306 490.

ReadyCare Risk Management has partnered with National Credit Insurance (Brokers) Pty Ltd to offer a complete range of trade credit services, helping clients to safeguard their business from bad debts and to integrate better management practices. The key is the emphasis on ‘credit’ rather than just ‘insurance’. NCI’s processes can help small business owners to assess customers – differentiating good from bad. Business owners can guarantee their cash flow is constant - making it easier to obtain finance. Most of all, with insurance protection, owners can sleep better at night knowing that if a bad debt occurs, their profits and cash flow will be protected. Through our arrangement with NCI, they can also help you with managing the financial health of your business through extensive credit limit reviews, risk analysis, debtor monitoring, information and advice.

Find out more about any of the insurances listed above, speak to our friendly ReadyCare Risk Consultants (available 9.00am to 5.00pm, AEST, Monday to Friday) on 1300 306 490 or alternatively click here to complete an enquiry form. We will respond within one business day.

ReadyCare Risk Management ABN 17 085 587 784 refers clients to National Credit Insurance (Brokers) Pty Ltd ABN 68 008 090 702, AFSL 233817 and is subject to terms and conditions, which are available upon application. Fees and Charges apply.

In the event of death of the life insured, the Term Life Benefit or the Limited Life Benefit will pay a lump sum amount should death occur before the expiry date of the benefit. Some of the business events covered include; where the life insured is a key person in a business (i.e working partner or director, significant shareholder) and the value of their financial interest, including loan guarantees in the business increases, averaged over the last three years, increases or where the policy forms part of a written buy/sell, share purchase or business succession agreement and the life insured is a partner, shareholder or unit holder in the business and the life insured’s financial interest in the business, averaged over the last three year increases. Discounts apply for Non-Smokers, Professional Occupations (AAA and AA) and Life Cover of $500,000 or greater. Sums insured can be automatically indexed by the higher of CPI or 5%.

Find out more about Key Business Person insurance, speak to our friendly ReadyCare Risk Consultants (available 9.00am to 5.00pm, AEST, Monday to Friday) on 1300 306 490 or alternatively click here to complete an enquiry form. We will respond within one business day.

ReadyCare Risk Management ABN 17 085 587 784 is an authorised representative of the insurer American International Assurance Company (Australia) Ltd trading as AIG Life, ABN 79 004 837 861, AFSL 230043 (AIG Life). You can get a PDS for the insurance products by calling ReadyCare on 1300 306 490.

The benefit will provide an income stream in the event of the Total or Partial Disablement of the insured due to Injury and Sickness. Clients now have peace of mind that in an event, the bills, mortgage and support for the family will continue. Until recently, this type of protection was not available to employees in high risk occupations. Cover is now available for more than 80 high risk occupations including; Earthmoving and construction equipment operators (cranes, bobcats etc.);furniture removalists; cement renderers; blacksmiths and farriers; building labourers, roof tillers, tow truck drivers, to name a few. This cover is not simply for the self employees but also for employees. In most cases, Income Protection premiums are 100% tax deductible.
 
Find out more about Income Protection insurance, speak to our friendly ReadyCare Risk Consultants (available 9.00am to 5.00pm, AEST, Monday to Friday) on 1300 306 490 or alternatively click here to complete an enquiry form. We will respond within one business day.

ReadyCare Risk Management ABN 17 085 587 784 is an authorised representative of the insurer American International Assurance Company (Australia) Ltd trading as AIG Life, ABN 79 004 837 861, AFSL 230043 (AIG Life). You can get a PDS for the insurance products by calling ReadyCare on 1300 306 490.

This product is specifically designed for the self-employed person who needs to ensure that the fixed expenses of the business or practice will still be paid even if the insured cannot work due to Injury or Sickness. The benefit helps you to keep your business or practice going while the life insured is disabled. Types of expenses covered include; Accounting and audit fees; regular advertising; rent; leasing expenses; interest on business loans; salaries and other related costs, to name a few.

Find out more about Business Expense Insurance, speak to our friendly ReadyCare Risk Consultants (available 9.00am to 5.00pm, AEST, Monday to Friday) on 1300 306 490 or alternatively click here to complete an enquiry form. We will respond within one business day.

ReadyCare Risk Management ABN 17 085 587 784 is an authorised representative of the insurer American International Assurance Company (Australia) Ltd trading as AIG Life, ABN 79 004 837 861, AFSL 230043 (AIG Life). You can get a PDS for the insurance products by calling ReadyCare on 1300 306 490.

Through our referral insurance partners, we provide businesses of all sizes with a comprehensive range of commercial insurance products that cover commercial property, public and products liability, casualty, motor, construction, engineering and workers' compensation. Other services include risk management  and risk control. However, what we really believe our customers are buying is trust. A trust built on our strong financial position, consistency in pricing and underwriting, and our claims settlement expertise.

Find out more about Public Liability or other Commercial Insurance products speak to our friendly ReadyCare Risk Consultants (available 9.00am to 5.00pm, AEST, Monday to Friday) on 1300 306 490 or alternatively click here to complete an enquiry form. We will respond within one business day.

ReadyCare Risk Management ABN 17 085 587 784 is an authorised representative of the insurer CGU Insurance Limited (‘CGU’) ABN 27 004 478 371, AFSL 238291. You can get a PDS for the insurance products by calling ReadyCare on 1300 306 490.

Professional Indemnity insurance protects a professional from financial loss, injury or damage arising from a mistake or failure by the professional to exercise the required level of skill. This may mean that an award is made in favour of a person who suffers a loss, damage or injury.  A professional may also be held to be liable for a mistake even though there was no negligence. Therefore, if a professional holds themselves out as having a special skill, which can be relied upon by another, they should consider Professional Indemnity Insurance as crucial. Who is a professional? Anyone who provides advice and/or services of a skilful character, according to an established discipline, can be regarded as a 'professional' in a legal sense. So ‘professionals’ include not only those who are traditionally viewed as professionals, such as doctors and lawyers, but also computer consultants, advertising agents, acoustics consultants, trade associations, fund managers, and so on.

Find out more about Professional Indemnity insurance speak to our friendly ReadyCare Risk Consultants (available 9.00am to 5.00pm, AEST, Monday to Friday) on 1300 306 490 or alternatively click here to complete an enquiry form. We will respond within one business day.

ReadyCare Risk Management ABN 17 085 587 784 is an authorised representative of the insurer CGU Insurance Limited (‘CGU’) ABN 27 004 478 371, AFSL 238291. You can get a PDS for the insurance products by calling ReadyCare on 1300 306 490.

Mortgage SafetyNet provides peace of mind for you and your family. That peace of mind comes from knowing that your monthly mortgage payments or your mortgage will be paid (subject to policy conditions) should you suffer, Total and Temporary Disability, Involuntary Unemployment or Loss if Life.

What is Total and Temporary Disability?
It means that following the advice of a medical practitioner, you are unable to perform all the duties of your normal occupation as a result of injury, sickness and disease.

What is Involuntary Unemployment?
This means that provided you were working more than 25 hours per week and you are made redundant or have been retrenched involuntarily and are not in any other gainful employment.

What are the Limits of Cover under Mortgage SafetyNet?
a. Total and Temporary Disability
The Benefit Limit is the lower of the minimum of monthly loan prepayment and $3,000 per month and is limited to 24 monthly payments in total. A 30-day qualifying period applies.

b. Involuntary Unemployment
The Benefit Limit is the lower of the minimum monthly loan repayment and $3,000 per month. Limited to 3 monthly payments for any one claim period and 6 monthly payments in total. A 30 day qualifying period applies.

c. Loss of Life
The Benefit Limit is the lower of the outstanding loan and $500,000 depending upon the amount of cover you have selected.

Is a medical examination required?
No medical examination is required for loans under $300,000 and the policy can usually be issued based on the answers to your health questions in the application form. The majority of people will qualify for Mortgage SafetyNet, however the Insurer reserves the right to accept or reject applications for cover.
 
Find out more about Mortgage Payment Protection insurance speak to our friendly ReadyCare Risk Consultants (available 9.00am to 5.00pm, AEST, Monday to Friday) or alternatively click here to complete an enquiry form. We will respond within one business day.

ReadyCare Risk Management ABN 17 085 587 784 is an authorised representative of National Underwriting Agencies PTY LTD ABN 60 089 657 849, AFSL 246229. You can get a PDS for the insurance products by calling ReadyCare on 1300 306 490.

Consumer Credit Insurance provides peace of mind for you and your family. It will pay some of your monthly loan repayments while you are prevented from working because of sickness and injury or if you become involuntarily unemployed or pay the loan outstanding under your contract, in the event of death (subject to terms, conditions and exclusions).

Find out more about Consumer Credit insurance speak to our friendly ReadyCare Risk Consultants (available 9.00am to 5.00pm, AEST, Monday to Friday) or alternatively click here to complete an enquiry form. We will respond within one business day.

ReadyCare Risk Management ABN 17 085 587 784 is an authorised representative of National Underwriting Agencies PTY LTD ABN 60 089 657 849, AFSL 246229. You can get a PDS for the insurance products by calling ReadyCare on 1300 306 490.