Question 1

Do you do CTP/Green Slips?

Accepted Answer

Yes - we are authorised agents of QBE and Allianz in relation to CTP/Green Slips in NSW.

Question 2

As a start-up business, what cover do I need?

Accepted Answer

This depends on the type of business you are in. New insurance policies are being developed constantly as the world and the risks you face change. DKG Insurance Brokers undertake regular training and remain abreast of all developments within the industry, so they are well placed to regularly review your risk areas and advise accordingly.

Question 3

How do I obtain a quote and how long does this take?

Accepted Answer

The duration of an insurance policy can vary depending on several factors, including the type of insurance, the insurer's processes and the specific terms and conditions of the policy. Typically, insurance policies can be issued and activated within a few days to a few weeks. However, more complex policies or those requiring additional underwriting may take longer to process.

Question 4

Why should I use a broker instead of going direct with an insurance company?

Accepted Answer

As insurance brokers, our priority is to represent your interests at all times and to provide you with professional guidance in everything pertaining to your insurance in a market that is forever changing in premiums, product availability and policy conditions. Our team of Qualified Practising Insurance Brokers is trained to understand the differences between various policies and is often able to negotiate premiums that aren't available to you. In fact, some insurance policies are only available through intermediaries such as brokers. Our role as brokers is to source the most appropriate policies for your circumstances and to advise on the various areas of risk for you or your company.

Question 5

What is a Product Disclosure Statement (PDS)?

Accepted Answer

A Product Disclosure Statement or PDS should be provided to retail clients prior to them making a decision to purchase an insurance policy. The PDS is issued by the insurer and highlights significant information about the policy of which you should be aware. This includes information about the insurer, significant benefits and features, things that are not covered, significant risks and other important information. You should carefully read the PDS prior to making a decision about purchasing an insurance policy.

Question 6

What is a Financial Services Guide (FSG)?

Accepted Answer

A Financial Services Guide (FSG) must be given to a potential client by a licensee (or an Authorised Representative) as soon as practicable. It sets out information in relation to how we do business such as documenting the standard basis on which we act for the client; providing all statutory notices; other information required by law (e.g. how we get paid); and explaining how we will handle a client’s business.

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