Under the Corporations Act 2001 and associated Regulations Retail Clients are provided with additional levels of protection from other insurance purchases. The Act defines Retail Clients as:
- Individuals or a small manufacturing business employing less than 100 people or any other business employing less that 20 people
- And that are being provided a financial service or product that relates to the following insurance covers: Motor Vehicle (under 2 tonne), Home building, contents, personal and domestic, Sickness and Accident or Travel, Consumer Credit and other classes as prescribed by regulations.


If you are a retail client and a Statement of Advice or Further Information has not been provided with this invoice then the advice that we're giving you related to this transaction is general advice. General advice is advice that has been prepared without considering your current objectives, financial situation and needs. Therefore, before acting on this advice you should consider the appropriateness of the advice having regard to your current objectives, financial situation and needs. Please check the Policy Schedule carefully to ensure that the sum insured is adequate and that the cover is appropriate. If the advice provided related to the acquisition or possible acquisition of a new insurance policy you should consider the enclosed PDS prior to making the decision to purchase the product. Information regarding the income we have been paid by the insurer for this transaction is available upon request.