PDS and Policy Wording
Financial Services Guide
These terms and conditions, together with the documents expressly referred to in them, provides information about us and the legal terms and conditions on which you would be authorised to distribute the Insurance Products.
The policy document is also a Product Disclosure Statement (PDS). The PDS is designed to assist you to make informed choices about your insurance needs. The PDS contains information about significant features and benefits of this product, costs, the dispute resolution system, your cooling off rights and other relevant information, including other rights, terms, conditions, exclusions and obligations attaching to this product.
This Financial Services Guide (FSG) describes the insurance services offered by Arthur J. Gallagher & Co (Aus) Limited (Gallagher) t/a Gallagher, ABN 34 005 543 920, AFSL No. 238312. It covers our fees, your rights as a client and how any complaints you may have will be dealt with. This information is provided to assist you in determining whether to use the services outlined in this guide.