This Financial Services Guide (FSG) has been designed to assist you in deciding whether to use any of the services referred to in this FSG that are provided by Rentsure Pty Limited (Rentsure) and Delaney Kelly Golding Pty Limited (DKG). ABN 35 000 663 221 AFS Licence no. 231146
This FSG contains general information about how we, and others are remunerated in relation to those services and information about how you may access our internal and external dispute resolution procedures. It also sets out other information and details required by law to be included.
We trust it will assist you in deciding whether to use our services.
This FSG has been prepared and is distributed under DKG’s authorisation. It applies from 14 March 2012 and remains valid unless a further FSG is issued to replace it.
We will provide you with further information whenever we provide you with advice which takes into account your objectives, financial situation and needs. This information may include the advice that we have given you, the basis of the advice and other information on our remuneration and any relevant associations or interests. This information may be contained in a Statement of Advice (SOA).
Where we provide general advice service we provide a general recommendation or opinion to you on the relevant product which is not based on a consideration by us of your personal needs.
You should consider whether our general advice is appropriate having regard to those matters and obtain a Product Disclosure Statement (PDS) for the recommended product before making a decision whether to acquire it.
If we offer to arrange the issue of an insurance policy to you, we will also provide you with, or pass on to you a PDS unless you already have an up to date PDS from the insurer.
Rentsure may also charge you a fee for issuing or making changes to any policy. If Rentsure charges you a fee, this will be a dollar amount based on the complexity of the work needed to provide you with the cover you require. This fee will be shown separately on any invoice that Rentsure gives you.
Our staff are remunerated by means of salary and may receive a bonus or incentives which are based on a number of factors, including achievement of company goals.
DKG does not receive any commission or fees for the services that Rentsure provides or otherwise in connection with the CGU policies issued by Rentsure.
If you would like more detailed particulars of the above remuneration arrangements, please ask us. You must request this information within a reasonable time after this document is provided to you and before you are provided with any financial services to which it relates.
We will invoice you for the premium including any statutory charges and any fees we charge for our services.
You must pay us within 7 days of the date of invoice unless otherwise requested, and in the case of a renewal, before the expiry date of your contract of insurance. If you do not pay on time, the insurer may cancel the contract. The insurer may also charge a short term penalty premium for the time on risk.
If you cancel the insurance at any time (except during any policy cooling off period) we will not rebate any commissions or fees to you. We will require a written request from you to cancel any insurance cover.
It is our aim to provide a quality service to you, our customer.
If you have any concern about us or our service, please contact the person you have been dealing with in the first instance. If they are unable to satisfy your concern, please ask to speak to the General Manager of Rentsure who will ensure that any concerns you may have are resolved in a speedy and professional manner.
The PDS will contain information about the particular policy which will enable you to make an informed decision about purchasing that policy.
In the event we do not achieve our aim and cannot resolve the matter with you to your satisfaction, you can access our internal dispute resolution by phone on 1800 355 646.
If your concern is not resolved to your satisfaction or within 45 days, you may refer the matter to the Australian Financial Complaints Authority (AFCA) which is an external disputes resolution body that is free to consumers.
DKG is authorised to deal in, and provide financial product advice about general insurance products.
Rentsure is an Authorised Representative of DKG.
DKG has authorised Rentsure to deal in, and provide financial product advice about, motor vehicle insurance products.
Rentsure specialises in arranging Motor Vehicle Insurance for car rental operators and the services it will provide to you are limited to these products.
Rentsure has been given a “binding authority” Insurance Australia Limited ABN 11 000 016 722 AFSL 227681 trading as CGU Insurance (CGU) authorising us to issue, vary and dispose of and to deal with or settle claims on behalf of CGU as if it was CGU.
In providing its services to you, Rentsure acts on behalf of CGU, not for you.
Rentsure receives commission payment from CGU that is calculated as a percentage of the base premium (i.e. premium excluding any amounts charged in relation to Stamp Duty, GST or any other government charges, Taxes, Fees or Levies).
This commission is payable, which includes, when a policy is first issued by Rentsure to you, when the policy is renewed and when endorsements are made, to a policy that increases the premium.
Rentsure may also be entitled to payments by CGU (or to repay commission to CGU) depending on profitability of insurance policies issued by Rentsure on behalf of CGU.
You can contact Rentsure during normal business hours on 1800 355 646 or email or post us at the address and contact details listed on our contact us page.