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Dear Customer,

Your Annual Multi-Trip Travel Insurance policy is ready for renewal. To ensure there is no break in cover, your policy is set to automatically renew on {{ personalization_token('deal.return_date', 'Unavailable') }}

Your policy renewal

Renewal Premium

Prior Year's Premium

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Renewal Date

Destination(s)

Traveller age(s)

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Maximum Trip Duration

{{ personalization_token('deal.amt_max_trip_duration', '0') }} Days

Trip Cancellation Cover

${{ personalization_token('deal.cancellation', '0') }}

Luggage Cover

${{ personalization_token('deal.luggage', '0') }}

You are being offered the latest version of our Annual Multi-Trip Travel Insurance, which will replace your current policy.

Your renewal premium is noted above and the Product Disclosure Statement (PDS) is available here. It is important that you carefully read through the PDS as the cover provided, benefits and exclusions may differ from your current policy. You will also find some key details concerning your policy further below.

We believe we offer good value for money, but it's important to review your policy each year to make sure it meets your needs. There may also be opportunities to save money by varying your cover.

We have used the traveller names and dates of birth provided by you to list the travellers to be covered on this new policy. If any of your personal information has changed, or is incorrect, please contact us using the contact details below.

What’s next?

If the cover still meets your needs and there are no changes that you need to tell us about, there is no need to contact us, as your policy is set to automatically renew on {{ personalization_token('deal.return_date', 'Unavailable') }} using the payment details you last gave us. We will deduct the renewal premium from your nominated credit card on or after the renewal date.

If you need to make any changes or do not wish to renew the policy, please call us on +61 2 5300 2836, or email robinassist@wiseandsilent.com before {{ personalization_token('deal.return_date', 'Unavailable') }}.

Cancellation and cooling-off period

You can opt out of automatic renewal at any point in time.

Cancelling within the cooling-off period

You’ve also got 21 days (known as the ‘cooling-off period’) from the day you renew your policy to cancel and get a full refund. This gives you time to read the PDS and check the policy is right for you.

Cancelling outside the cooling-off period

If you request to cancel your policy outside the cooling-off period, we’ll refund the part of your premium paid for the unused period of insurance based on a pro rata calculation.

In all cases, whether or not you cancel within the cooling-off period, we will only consider a refund if:

You haven’t started any trip;
You haven’t made a claim; and
You don’t intend to make a claim.

You can cancel the policy by either calling, emailing or via the live chat option on our website. Contact details are provided below.

When a policy cancellation has been accepted, we will process your refund within 15 Business Days.

Yours sincerely,

The team at Wise & Silent

Insurance is administered by battleface Insurance Services Pty Ltd (ABN 28 650 606 045, AFSL 536280) and is underwritten by Pacific International Insurance Pty Ltd (ABN 83 169 311 193). Wise & Silent (AR 001301320) is battleface’s authorised representative and acts on behalf of battleface. Any advice provided is general advice only. Prior to renewing, please consider your financial situation and needs and read the Product Disclosure Statement (PDS) & Financial Services Guide (FSG) and Target Market Determination (TMD).

Important Information

Your policy is set to renew annually on {{ personalization_token('deal.return_date', 'Unavailable') }}. If, for any reason, we are unable to automatically renew your policy, we will contact you to inform you of your options.

Unless informed otherwise we will assume the details you have provided to us have not changed and you have the permission of the card holder to make the renewal payment. Once payment has been successfully made, you will be issued with a Certificate of Insurance via email.

Pre-existing medical conditions

Please consider your medical history carefully. This policy provides cover for unexpected sudden illnesses or serious injuries.

We automatically include cover for specific pre-existing medical conditions subject to the following:

You’ve not been hospitalised for the condition in the past 24 months, and;
Your medications for the condition have remained unchanged for the past 6 months.

Timeframes are in relation to the date of issue of the policy. If you have a pre-existing medical condition not included in this list, then it’s not covered. We won’t pay for any claims where that medical condition is a contributing factor. This definition applies to you, your travelling party, a close relative or any other person named on the Certificate of Insurance.

Making a claim

You can start your claim here. The claim process will involve the following interactions:

Telling us about the incident that caused your claim;
Specifying the financial loss you want reimbursed; and
Providing evidence of the incident and the relevant losses to support your claim.

Once submitted, a claims analyst promptly assesses your claim, determines whether it meets the terms of your policy (including contacting you to request additional information or to clarify any details), and communicates the outcome to you.

Contact Us

You can contact us at any time to amend or cancel this policy, using the contact information below:

Ph: +61 2 5300 2836

Email: robinassist@wiseandsilent.com

Website: www.wiseandsilent.com

Complaints

If you have any complaint about the services or products provided to you, we want to know as soon as possible. Every effort will be made to resolve your complaint quickly and fairly.

You can make a complaint by contacting us by phone or email:

Ph: (02) 8880 5820

Email: complaints@robinassist.com

We will let you know we have received your complaint, usually within 1 business day.

We will investigate your complaint and will make every effort to ensure you receive a fair and prompt reply. Our aim is to resolve all complaints as soon as possible but we are required by the insurance regulator to resolve complaints within 30 calendar days. We will keep you informed of the progress of the investigations and/or resolution.

Our response will detail the outcome of our investigation and the reasons for our decision.

If we are unable to resolve your complaint within 30 calendar days, we will let you know.

^Offer cannot be used in conjunction with any other offer. Discounts only apply to the insurance portion of the premium. Discounts are applied before government charges, taxes, levies and fees. The full extent of discounts may therefore be impacted. We reserve the right to change the offer without notice.

*Note that not all benefits apply and will depend on whether you have selected them (and are reflected on your Certificate of Insurance). Terms, conditions, exclusions, limits and sub-limits apply. Please read the Product Disclosure Statement (PDS) and Target Market Determination (TMD) for further details.

Important Note: Insurance is administered by battleface Insurance Services Pty Ltd (ABN 28 650 606 045, AFSL 536280) and is underwritten by Pacific International Insurance Pty Ltd (ABN 83 169 311 193). Wise & Silent (AR 001301320) is battleface’s authorized representative and acts on behalf of battleface. Any advice provided is general advice only. Prior to purchasing, please consider your financial situation and needs and read the Product Disclosure Statement (PDS) & Financial Services Guide (FSG) and Target Market Determination (TMD).