How does this affect you?
Ansvar will provide Calliden with a list of expiring home insurance policies 5-6 weeks before expiry. At the same time, Ansvar will send you as the Broker or AR a decline renewal notice.
Calliden will assess the policy against its own underwriting criteria. For non Callibrate business, Calliden will advise you by email or letter within 4 weeks of expiry, as to the terms and conditions on which it is able to offer cover. If you have an existing arrangement with Calliden and transact on the Callibrate platform, you will continue to have access to the same suite of Calliden domestic policies and will find our terms for the former Ansvar-underwritten policy uploaded there.
Our new approach to flood cover for home policies was set out in our letter to current Calliden brokers in March 2011. We have adopted a revised underwriting and pricing approach for riverine flood risks which is based on exposure to particular postcodes. We have also included further exclusions, conditions and excesses together with a list of the policies to which these amendments apply. For further information please speak to your Development Manager.
The new underwriting methodology will be effective on 1 May 2011. You can download a pdf detailing the postcodes where flood cover will NOT be available here.
Current Agreement?
What if you do not have a current agreement with Calliden?
If you do not have a current agreement with Calliden, you may be interested in some further information which may help you to become a Calliden distribution partner. Alternatively you can call our National Manager - Distribution, Steve Bardsley on 02 9551 1087 and he will be pleased to assist you.
Differences in cover?
What is the difference between Calliden’s and Ansvar's home and contents policies?
We will be providing you with a matrix in the next week which outlines the differences between the Ansvar and the Calliden home and contents policies. Your development manager will also be able to advise you on the major differences. Please ensure you read the Calliden policy wordings to familiarise yourself with them. Flood is included as standard on all Calliden home and contents policies subject to certain exclusions, conditions, excesses and a flood waiting period which are all set out in our product disclosure statements.
Callibrate
New to Callibrate?
If you are on Sunrise but do not currently use Callibrate for domestic insurance please read more information on how to become connected.
All Callibrate users
Due to differences between the Ansvar and Calliden insurance systems you will be required to amend or confirm a number of Callibrate fields, namely the format of the insured title and name and interested party address details fields. You will also be required to provide responses to general questions regarding any prior declined insurance, criminal convictions, bankruptcy or exceptional circumstances required under the duty of disclosure. You should ensure that all details in Callibrate are correct before accepting the proposed new business terms.
Claims
Domestic claims will be handled by Calliden's joint venture claims management company, Claims Services Australia (CSA). To lodge a claim phone or email CSA on
P: 1300 880 037, F: 1300 766 795, cil@claimsservices.com.au
PDS's
We have listed the various PDS's that detail various Calliden home and contents policies. To access PDS’s please use the link that applies to your broker group or network (all other intermediaries please click on the Calliden Elite Care Plus/Extra Care Plus or the Calliden Elite Care/Extra Care link).
Steadfast brokers
Insight brokers
Calliden Elite Care Plus and Extra Care Plus policies
Calliden Elite Care and Extra Care policies
More information
See our FAQS, contact your development manager or call our Ansvar broker domestic team directly on (02) 9551 1070.
Please distribute this communication to others in your office for their information.
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