Do you do CTP/Green Slips?

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

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

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.

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

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.

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

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.

What is a Product Disclosure Statement (PDS)?

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.

What is a Financial Services Guide (FSG)?

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.

DKG Insurance Brokers | Privacy Policy

Name: DKG Insurance Brokers
Address: Level 3, Suite 10/345 Pacific Hwy, site_locality, NSW, 2060, Australia
Telephone: +61 2 9929 7299
Price range: Contact Us
Rating: 5.0/5

This Privacy Policy applies to Delaney Kelly Golding Pty Ltd (DKG), ABN 35 000 663 221 and ACN 000 663 221, referred to as we, our and us, and any personal information that you provide to us.

At DKG, we are committed to safeguarding people’s privacy and the confidentiality of their personal information. We are bound by the Privacy Act 1988 (Cth), the Act, and the Australian Privacy Principles set out in the Act.

This Privacy Policy describes our current policies and practices in relation to the collection, handling, use and disclosure of your personal information. It also explains how you can complain about a breach of privacy laws and how you can access the personal information we hold.

The Act applies to DKG’s collection, use and disclosure of your personal information, together with any other applicable laws protecting privacy.

Our commitment

At DKG, we acknowledge that your personal information belongs to you. We are committed to storing securely and carefully processing the information you share with us.

We do not provide your information to third parties except as described in this Privacy Policy, with your knowledge or consent, or where permitted or required by law.

Personal information we collect and use

When we arrange insurance on your behalf, we ask you for the information we need to advise you about your insurance needs and the management of your risks.

We collect personal information including:

Identification information, including your age or date of birth and gender.
Contact information, including your residential and mailing address, email address, telephone number and other contact details.
Details of property insured.
Financial information, including bank details or other information about your financial circumstances, as applicable.
Information obtained as part of the processing of a claim.
Sensitive information, such as health information.
Information relevant to your claim history.
Past employment, residency status and proof of identity.
Any other personal information that may be required to facilitate your dealings with us.

We provide insurers, intermediaries and premium funders with the information they require to decide whether to insure you, fund your premium and on what terms.

Insurers may in turn pass this information to their reinsurers. Some of these companies are located outside Australia. For example, if we seek insurance terms from an overseas insurer, such as Lloyd’s of London, your personal information may be disclosed to the insurer. If this is likely to happen, we will inform you of where the insurer is located where it is practical to do so.

When you make a claim under your policy, we assist you by collecting information about your claim. Sometimes we also need to collect information about you from others.

We provide this information to your insurer, or anyone your insurer has appointed to assist it to consider your claim, such as loss adjusters, medical practitioners and other service providers. This enables the insurer to consider your claim. This information may also be passed to reinsurers.

From time to time, we may use your contact details to send you direct marketing communications, including offers, updates and newsletters relevant to the services we provide. We will only use or disclose your personal information for direct marketing where permitted by law.

We will always provide you with the option not to receive these communications in the future. You can unsubscribe by notifying us and we will no longer send this information to you.

What if you do not provide some information to us?

We can only fully advise you and assist in arranging your insurance or with a claim if we have all relevant information.

For a consumer insurance contract, you have a duty to take reasonable care not to make a misrepresentation to the insurer.

For other insurance contracts, a duty of disclosure may apply. Your insurer will provide information about the duty that applies to your insurance contract and the consequences of failing to comply with it.

We may not be able to provide our products or services if we are not given all the personal information we have asked for. This may include not issuing policies and not processing claims.

Offshore disclosure of personal information

We may also disclose information we collect to the providers of our policy administration and broking systems that help us provide our products and services to you.

These policy administration providers and broking systems may be supported and maintained by organisations in New Zealand, the Philippines and Vietnam. Your information may be disclosed to those organisations.

Specifically, we may disclose your personal information to our service provider located in the Philippines, which provides sales, claims and administrative services.

Please note that the data protection laws and other laws of the countries to which your information may be disclosed might not be as comprehensive as those in Australia.

Before disclosing personal information to an overseas recipient, we will take reasonable steps to ensure that the recipient handles the information in accordance with the Australian Privacy Principles, unless an exception under the Act applies.

How do we hold and protect your information?

We strive to maintain the reliability, accuracy, completeness and currency of the personal information we hold and to protect its privacy and security.

We keep personal information only for as long as reasonably necessary for the purpose for which it was collected or to comply with applicable legal, ethical, reporting or document retention requirements.

We hold personal information in secure systems, databases and paper records.

We take reasonable steps to protect your information from misuse, interference, loss, unauthorised access, modification and disclosure.

We maintain physical security over our paper and electronic data and premises by using locks and security systems.

We also maintain computer and network security. For example, we use firewalls and other security systems, such as user identifiers and passwords, to control access to computer systems where your information is stored.

What happens if there is a data breach?

If we become aware of a data breach involving your personal information that is likely to result in serious harm to you, we will comply with our obligations under the Notifiable Data Breaches scheme in Part IIIC of the Privacy Act 1988 (Cth).

This includes carrying out an assessment, notifying the Office of the Australian Information Commissioner, OAIC, and notifying you, where required, about the breach, the kind of information involved and the steps we recommend you take in response.

Will we disclose the information we collect to anyone?

We do not sell, trade or rent your personal information to others.

We may need to provide your information to contractors who supply services to us. This may include organisations that handle mailings on our behalf, external data storage providers and other companies involved in a corporate sale, merger, reorganisation, dissolution or similar event.

We may also disclose information we collect to the providers of our policy administration and broking systems that help us provide our products and services to you.

We take reasonable measures to ensure that these organisations protect your information as required under the Privacy Act.

We may provide your information to others if required by law, where you consent to the disclosure or in other circumstances permitted by the Privacy Act.

How can you access or correct the information we hold?

Upon receipt of your written request and enough information to allow us to identify the information, we will provide you with access to the personal information we hold about you.

We will also correct or amend any personal information that we agree is inaccurate, irrelevant, out of date, incomplete or misleading.

If you wish to access or correct your personal information, please write to our Privacy Officer at:

Delaney Kelly Golding Pty Ltd

PO Box 1670, North Sydney NSW 2059

Email: compliance@dkg.com.au

We do not charge a fee for receiving a request for access to personal information or for complying with a correction request.

Where providing access is not straightforward and involves a considerable amount of time, we may charge a reasonable fee for the costs of providing access. We will advise you of any proposed charge before proceeding.

In some limited cases, we may need to refuse access to your information or refuse a request for correction.

We will advise you as soon as possible if this is the case, provide the reasons for our refusal where required and explain how you can make a complaint.

Website information and content

The information provided on this website does not cover all aspects of the law on the relevant subject matter.

Professional advice should be sought before any action is taken based on the matters described and discussed on this site.

To the extent permitted by law, we make no representations about the suitability of the content of this site for any purpose.

All content is provided without any warranty of any kind. We disclaim all warranties and conditions regarding the content, including all implied warranties and conditions of fitness for a particular purpose, title and non-infringement.

We will not be liable for any damage or injury caused by any failure of performance, error, omission, interruption, defect, delay in operation or transmission, computer virus or line failure.

To the extent permitted by law, we will not be liable for any damage or injury, including special or consequential damage, resulting from the use of, or inability to use, the materials on this site.

We believe the content of this site to be accurate, complete and current. However, there are no warranties as to its accuracy, completeness or currency.

It is your responsibility to verify any information before relying on it. The content of this site may include technical inaccuracies or typographical errors. We reserve the right to modify the content of this site from time to time.

Anonymous data

We use technology to collect information about the use of our website.

For example, when you browse our website, our service provider may log your server address or IP address, the date and time of your visit, the pages and links accessed and the type of browser used.

Depending on the circumstances and how the information is combined with other information, some of this information may identify you or constitute personal information.

We use this information for statistical and analytical purposes, to improve the content, security and functionality of our website, to better understand our clients and markets and to improve our services.

Cookies

To collect website usage information, we may use cookies.

Cookies are small pieces of information sent to your browser and stored on your computer or device.

Cookies may identify or distinguish users where the website requires information to be retained from one page or visit to another. They may also be used to improve website functionality and understand how the website is used.

Some cookies remain only for the duration of your browsing session. Other cookies may remain on your device for a longer period.

Cookies do not damage your computer or device.

You can set your browser to notify you when you receive a cookie or to refuse or delete cookies. Disabling cookies may affect the functionality of some parts of the website.

Forms

Our website allows visitors to submit information through self-service forms, including claim forms, employment applications and contact requests.

Information collected through online forms is sent to our offices and may also be stored in a database that is accessible only by authorised DKG staff.

We use your information to provide requested product information and promotional material and to manage your ongoing requirements, including renewals, invoicing, surveys and our relationship with you.

We may occasionally notify you about new services, special offers, events or articles we think will be of interest to you.

We may send you regular updates by email or post about insurance matters.

If you would rather not receive this information, or do not wish to receive it electronically, you can email or write to us.

We may use your information internally to help us improve our services and resolve problems.

What happens if you want to complain?

If you have concerns about our handling of your personal information or an alleged breach of the Act or the Australian Privacy Principles, please contact us and provide details of your complaint or the alleged breach.

Please contact our Privacy Officer:

Attn: Privacy Officer, Delaney Kelly Golding Pty Ltd, PO Box 1670, North Sydney NSW 2059

Email: compliance@dkg.com.au

Telephone: (02) 9929 7299

Your complaint will be considered through our Internal Complaints Resolution Process.

We will acknowledge your complaint promptly and aim to respond with a decision within 30 days of receiving your complaint.

If we need additional time to investigate your complaint, we will contact you and work with you to agree on an appropriate timeframe.

If we cannot resolve your complaint, we will provide information about referring it to the Office of the Australian Information Commissioner (OAIC) or, where applicable, the Australian Financial Complaints Authority (AFCA).

We recommend that you contact us first so we can try to resolve your complaint effectively and efficiently. The OAIC or AFCA may refer you back to us if you have not already made a complaint to us.

If you are not satisfied with the outcome of your complaint, you may take your complaint further, including to:

Office of the Australian Information Commissioner

Complaints to the OAIC must generally be made in writing or submit the online Privacy Complaint Form through the OAIC website.

Website: www.oaic.gov.au

Telephone: 1300 363 992

Australian Financial Complaints Authority

AFCA can consider certain privacy complaints. You should contact AFCA to confirm whether it can assist you.

Website: www.afca.org.au

Email: info@afca.org.au

Telephone: 1800 931 678

Mail: GPO Box 3, Melbourne Vic 3001

Your consent

By asking us to assist with your insurance needs, you acknowledge that we may collect, use and disclose the information you provide for the purposes described in this Privacy Policy.

Where the law requires your consent to collect, use or disclose particular information, we will seek that consent.

Privacy Policy updates

We may update our Privacy Policy from time to time.

If we do so, we will notify you by placing the updated policy or a notice on our website.

Please review the Privacy Policy on our website periodically for changes.

Further information

At DKG, we welcome your questions and comments about privacy.

If you have any concerns or complaints, please contact our Privacy Officer by telephone on (02) 9929 7299 or by email at compliance@dkg.com.au.

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