• Caravan Insurance

    Posted on 05 September, 2017

    Caravan Insurance provides competitive insurance options for:

    • Caravans
    • Campervans
    • Cabins,
    • Trailers
    • Horse Floats

    Caravan insurance for Caravans, Camper Trailers & Pop Tops

    Many people don’t use their Caravan all year round so it makes sense to save money on insurance coverage during this period.

    Policy features:

    1. Agreed Value coverage
    2. Replacement of van as new if total loss within 2 years of purchase
    3. Automatic contents cover up to $2,000
    4. Lay-up discount option available for months van is not used
    5. Flood cover
    6. $20 million legal liability cover

    Cabin

    Policy features:

    1. Agreed value coverage
    2. Emergency repairs up to $1,000
    3. Flood cover
    4. Removal of Debris after an accident up to $5,000
    5. $20 million legal liability cover

    Trailer & Horse Float

    Policy features:

    1. Agreed value coverage
    2. Cover or theft or damage
    3. Hire cost of horse float after theft or damage for $50 per day up to 5 days
    4. $20 million legal liability cover

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  • Professional Indemnity Insurance

    Posted on 03 November, 2016

    Professional Indemnity insurance coverage explained

    Professional Indemnity Coverage can include claims that arise:

    • when a third party, usually a client, alleges that your professional advice, design or service is Negligent and caused them loss – the loss can be bodily injury, property damage or financial loss;
    • from a breach of the duty that you owe as a professional or an expert;
    • or as a Civil Liability from the conduct of your professional services.

    Below we explain the vital differences between Civil Liability and Negligence Liability coverage for professionals

    What does Civil Liability cover mean?

    In its very simplest form under a civil liability wording if a claim isn’t specifically excluded then it is assumed to be included! It is considered to be a broader wording as the interpretation of what could be considered a claim tends to be more comprehensive.

    Why is this significant?

    This is significant regarding coverage as rules and legislation change often and most businesses may not always be aware of them. Consequently if an insured is found liable for damages in a civil court due to their advice they “may” be covered – even when it is not specifically included in the policy – as long as it’s not an exclusion it could be a Professional Indemnity claim.

    The 4 main areas of Civil Law include:

    • Tort Law (negligence, nuisance defamation)
    • Contract Law (breach of conduct)
    • Statutory Law (consumer protection legislation)
    • Equity (principle of fairness)

    So what is a Negligence Policy and how does it differ?

    Again in its simplest form – if a claim in not specifically included in the policy … it is excluded. The intention of a Negligence Liability policy is to cover losses where it can be shown that:

    1. the insured owed a duty of care to the claimant
    2. they breached that duty and
    3. their breach caused a financial loss

    But more importantly it needs to be proved that the insured was indeed “negligent” and breached their standard of professional care. This is ok if a breach falls under the Tort of Negligence but what if claim is due to other legal grounds such as libel and slander, copyright infringement or misrepresentation?

    These do not fall under the tort of negligence and could be denied by the insurer. Therefore, a Negligence policy cover differs from a Civil Liability policy cover in as much as it’s considered to be more restrictive in its scope of cover as negligence is not the only basis of risk exposure to be considered.

    Fundamentally the difference in coverage lies in the nature of the liability in carrying out their Professional Services:

    • Civil Liability policy cover will focus on the Nature of the liability concerned;
    • Negligence policy cover will focus on the actual Conduct of the insured.

    Professional Indemnity insurance case studies

    As these case studies demonstrate, any professional service provider can be held liable for their actions. These case studies are examples of the types of claims that may be covered under a Professional indemnity policy, but not under a Public Liability policy.

    The building consultant

    A building consultant was involved in constructing a house. The owners claimed that the weatherproofing failed and sued the consultant alleging negligence. The matter went to a judicial settlement conference.

    The building consultant was exonerated but still had to pay over $20,000 in legal costs.

    The accountant

    An accountant was asked by the client to consider the accounts of the business he planned to buy. The client’s business partner had an accountant who provided the figures. The client went on to buy a share in the business.

    The business did not do well. The client then claimed against both accountants for providing negligent advice. The claim was later settled and the second accountant paid $25,000 to the client in settlement.

    Although the first accountant was not found negligent, his defence costs amounted to over $100,000.

    The building designer

    A building designer prepared a town planning application for a self-storage facility using computer-assisted design. While preparing the drawings, there was an error inputting data into the system resulting in the development being three metres shorter than the town planning drawings.

    The property was subsequently sold to a development company. During construction it was discovered that only 198 self-storage units would be constructed and not 235.

    The property developer is suing for over $500,000 in damages due to loss of income and value of business.

    The occupational therapist

    An occupational therapist interviewed the claimant for a position as an accredited rehabilitation provider. The therapist rejected the application as he felt that the claimant did not have the requisite WorkCover qualification.

    In the same year the occupational therapist discovered that the claimant was working as a case manager for another rehabilitation provider. As the occupational therapist was concerned that the claimant did not have the qualifications he wrote an email to WorkCover and the members of the Association of Rehabilitation Providers in the Private Sector.

    The claimant alleges that he is appropriately qualified to practice and that the email was defamatory and has injured his credit, reputation and occupation. The claimant is seeking compensation for general loss of business, custom, and aggravated damages in excess of $300, 000.

    *Article produced by Vero Profin for public information.

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  • Cyber Attack

    Posted on 15 July, 2015

    Cyber Attacks and other cyber events are now some of the most common forms of losses faced by businesses. Donnellys have you covered!

    Most businesses have insurance cover for fire. A cyber attack or event is akin to a digital fire and can have a similar impact to the operations of your business. Cyber attacks and data breaches are growing fast and increasing in severity.

    It doesn’t matter what the size of your business is. If you handle customer or transaction data, you run the risk that a data breach could lead to significant costs due to business interruption or others making claims against your business.

    Cyber cover can protect you in 4 ways:

    • Losses to your business
    • Loss to others
    • Cyber event response costs
    • Contingent business interruption

    Cyber insurance can cover you for the following events:

    • Point of Sale intrusions
    • Web app attacks
    • Insider and privilege misuse
    • Physical theft and loss
    • Payment card skimmers
    • Crimeware
    • Denial of service
    • Cyber espionage
    • Miscellaneous errors – Human error
    • Cyber extortion

    To find out more about the market leading and competitively priced Cyber event cover for SME businesses call one of Donnellys Business insurance broking consultants on (08)8236 7777

    To learn more about Cybersecurity risks watch KPMG Risk Compliance (US)’s informative video below.

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  • Motorcycle Insurance

    Posted on 10 December, 2014

    On National Motorcycle Insurance

    Competitive insurance options for motorcycle riders, on-road or off-road.

    Whether you are a daily rider, weekend enthusiast or enjoy getting away from the city bustle, we can offer you the right cover at the right price for your motorcycle.

    Coverage options:

    • Comprehensive
    • Third party only
    • Third party fire and theft
    • Layup / Weekend rider

    Features and Benefits

    On road Motorcycle

    Comprehensive Insurance

    • Cover for loss of or damage to your motorcycle as the result of an accident, malicious acts, storm, flood, fire, theft and transit.
    • Motorcycles up to $35,000 and 20 years of age
    • Bike types – sports, cruisers, scooters and motor cycle trailers
    • $20 million Third Party Liability cover.
    • New for Old replacement of your motorcycle if it is a total loss within the first 2 years of original registration.
    • Up to $3,000 for loss or damage to riding gear in the event of an accident.
    • Up to $1,500 to replace your keys and/or locks if they are stolen or illegally duplicated.
    • No excess for an accident if you’re not at fault.
    • Lifetime guarantee on all authorised repairs.
    • Agreed Value option available.
    • Lay-Up cover option: Premium discounts for the months you don’t ride your motorcycle.
    • Named rider discount where only you are insured to ride your motorcycle.
    • Weekend rider cover options apply.

    Off Road Motorcycle Rider Cover*

    National Motorcycle Insurance (Off Road Cover) provides cover for Off Road enthusiasts.

    Off Road Motorcycle Rider Insurance provides cover for Motocross, ATV’s, Enduro, Quad, and kids fun motorcycles.

    Additional Benefits

    • Motorcycles up to $35,000 and 12 years of age
    • Accidental Damage Cover – We will pay up to 50% of the repair cost or the motorcycles market value if it is accidentally damaged. You will be required to pay any applicable excess.
    • Transit Cover – cover in the event of loss or damage whilst your motorcycle is being securely towed.
    • Towing to the nearest repairer or place of safety.

    National Motorcycle Insurance offers great premiums, policy coverage and multi bike discounts for families who play together.

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  • Roadside Assistance

    Posted on 27 November, 2014

    Roadside Assistance

    Through Allianz Global Assistance (AGA) we can provide you with reliable Roadside assistance for your vehicle 24 hours a day, 365 days a year, throughout Australia.

    “We don’t just do fuel top ups and battery replacements when you breakdown – we get you to where you should be. we’ll try and fix your car wherever it is so that you can drive home, but if we can’t, we’ll help you get home with the knowledge that your car is in good hands as we provide roadside assistance in 29 countries worldwide”
    -Allianz Global Assistance

    Donnellys Roadside Assistance inexpensive membership allows you to drive with the security that help is available any time of the day or night, Australia-wide.

    Why choose Donnellys Roadside Assistance

    • We can help 24 hours a day
    • Average call out time is 39 minutes, and 9/10 vehicles are fixed at the roadside getting you back on the road sooner.
    • Your vehicle is covered, no matter who is driving at the time assistance is required
    • We’ve partnered with Allianz Global Assistance, experienced providers of Roadside Assistance in over 29 countries.
    • Australia Wide covereage in metro and regional areas.

    Service Features

    AGA experienced roadside assistance team are only a phone call away to help you when you need it most. With a choice of Standard or Platinum highly competitively priced covers available, we provide a professional and reliable assistance network throughout Australia and there’s no joining fee.

    STANDARD PLAN – $27.50 per year. Special group price.

    • Comprehensive Service Australia wide
    • 24-hour Telephone Assistance Service
    • Emergency Mechanical Repairs
    • Metropolitan Areas 100 km 20 km
    • Regional/Rural Areas 200 km 50 km
    • Flat or Faulty Battery Service
    • Emergency Fuel
    • Flat Tyres
    • Towing
      – Metropolitan Areas 20 km
      – Regional/Rural Areas 50 km
    • Replacement for Lost or Locked Keys up to $150
    • Accident Coordination
    • Urgent Message Relay
    • No Joining fee

    COVER COMPARISON – Standard RAA Roadside service $95

    (Source RAA website 2/7/15)

    PLATINUM PLAN – EXTRA FEATURES $50.50 per year. Special group price.

    • Towing
      – Metropolitan Areas 100 km
      – Regional/Rural Areas 200 km
    • Replacement for Lost or Locked Keys up to $200
    • Taxi $100
    • Emergency Travel Benefits – $2,000 in total
    • Rental Vehicle $990
    • Alternative Transportation $2000
    • Accommodation $1500
    • Vehicle Relocation $1000
    • No Joining fee

    COVER COMPARISON – Premium RAA Roadside service $184

    (Source RAA website 2/7/15)

    Only available with Home or Car insurance arranged with Donnellys. Premiums subject to change from time to time.

    Fill out our easy online application form or phone Donnellys on
    (08) 8236 7789 to arrange Roadside Assistance for your car today.

    Download the form here and complete on screen and click submit to apply today! Please note that when you click submit it will prompt your email application to open, should you experience any troubles, save & email directly to us at insure@donnellys.com.au. Prefer to handwrite? No problem, mail to GPO Box 1833, Adelaide SA 5001.

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  • Pet Insurance

    Posted on 24 November, 2014

    Pet Insurance

    Many people consider their pets and horses to be part of the family. Although when a pet becomes injured or sick, the reality of veterinary costs can come as quite a shock. Those that have chosen to insure their dogs, cats or horses can focus on their health rather than the costs.

    What are the benefits of Petplan pet insurance for you?

    • Experience overseas shows that 1 in 3 pet owners had to make an unexpected trip to the vet.

    • Pets insured with Petplan can receive the best treatment in the event of an illness or involved in an accident.

    • Pet insurance can also help cover the cost of boarding kennels/catteries if you are hospitalised or help with legal costs if your dog causes any damage or injury to another person.

    • Many pet owners are often unprepared financially to handle an expensive vet bill that accidents or illnesses can bring to their animals. Petplan can offer up to 100% rebate on pet insurance claims.

    • Petplan can provide genuine Covered for Life pet insurance, so you know should your pet develop a chronic, re-occurring or life long illness that will require expensive treatment and medication for the rest of its life, Petplan’s Covered for Life policy will be there for the long haul.

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  • Retailers Insurance

    Posted on 23 August, 2013

    Retailers Insurance

    Retail Business Package Insurance … a package policy tailored for retail shops and associated businesses.

    Donnellys can offer you an insurance package of broad covers designed for retailers, whilst maintaining the flexibility for you to tailor the package to suit your needs. Retail businesses have unique insurance risks peculiar to that business.

    Retail Insurance Package Features:

    • Accidental damage cover for your stock and contents at your premises
    • Seasonal increases in cover limits for stock and money over periods such as Christmas, Easter and Valentine’s Day
    • Cover for professional fees incurred in connection with an audit carried out by the Australian Tax Office
    • Cover for theft by dishonest employees
    • Glass windows covered for vandalism as well as breakage
    • Fraudulent use of your business credit cards covered up to $1,000
    • Fusion cover for small electric motors

    Competitive premiums

    Premiums at a price that’s right for you because the product is designed for you as a low risk retailer.

    Insurance product is provided by Vero Insurance Limited.

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  • Consultants

    Posted on 23 August, 2013

    CONSULTANTS

    Business Package Insurance

    IBNA’s GOLD BUSINESS PACKAGE INSURANCE … Protecting your business assets
    and liabilities

    Donnellys is a founding member of the Insurance Broking Network of Australia (IBNA), which represents around 80 brokers nationally and negotiates better deals for the clients of member brokers with leading insurance companies using its members’ combined buying power of over $1 billion! IBNA has negotiated an exclusive Business Package policy with 5 leading insurance companies that combines the best features of all policies available in the market and also includes extra features that are not usually available for its members’ clients … around 200 coverage enhancements better than standard policies!

    For example:

    • Automatic Flood coverage is available from one insurer currently;
    • Full Accidental Damage cover – most policies limit this cover to a lower value;
    • Extra 20% safety net cover – free of charge;
    • Seasonal Stock increased cover to 50% for peak periods – free of charge;
    • Tax Audit cover included for up to $10,000;
    • Catastrophe extra cover included up to 25% for increased costs of replacement;
    • Automatic cover for Theft without forcible entry – often not covered.

    No-one can be “all things to all people” so the list of occupations below are ones which we target because we know our select panel of insurers are very competitive for these types of businesses.

    • Accountants
    • Funeral Directors
    • Advertising
    • Gardening services
    • Architects
    • Hairdressing and Beauty salon
    • Consultants
    • Photographic Studio
    • Legal services
    • Retail
    • Real Estate
    • Health services
    • Secretarial services
    • Tradespersons
    • Business and Professional Associations
    • Wholesalers

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  • Hospitality Industry

    Posted on 23 August, 2013

    Hospitality Industry Insurance

    Donnellys can offer you a comprehensive Hospitality insurance package including property, liability and business interruption coverage for all types of Hospitality businesses.

    HOSPITALITY PACKAGE KEY FEATURES:

    • Property Damage
    • Business Interruption
    • Public & products Liability
    • Theft of property and money
    • Employee dishonesty
    • Glass Breakage
    • Machinery breakdown

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  • Transport Industry

    Posted on 23 August, 2013

    Transport Industry

    Donnellys recommended Commercial Motor Fleet policy is underwritten by a select panel of major insurance companies for the clients of AIMS Group member brokers’ clients.

    Donnellys are members of the AIMS Insurance Brokers Network of around 120 licensed insurance brokers which handle in excess of $2 Billion premiums which provides great buying power with insurance companies on behalf of member brokers’ clients.

    POLICY FEATURES:

    • Vehicle additions to the fleet automatically covered up to $250,000
    • Attendance by Police, Fire Brigade & other authorities cover up to $20,000 per event
    • Finance coverage up to 20% additional payment above claim settlement
    • Removal & delivery expenses – cover up to $20,000 per event
    • Sign writing or artwork is automatically covered
    • Removal of Debris or load is covered up to $20,000
    • Locks and Keys – cover included up to $1,000 per vehicle & $10,000 per event
    • Journey disruption – cover included up to $2,000 if more than 100 km from base
    • Driver’s personal property – cover included up to $500 per event and $2,000 total
    • Windscreen or Glass damage – free first claim for vehicles under 5 tonnes capacity
    • Expediting expenses – cost of temporary repairs up to 50% of normal repair cost or $5,000 whichever is the lesser
    • Uninsured Motorist benefit – cover up to $5,000 per accident damage to your vehicle if it is insured only for Liability damage / injury and you can identify the other driver who is deemed completely at fault

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