Cover-More is committed to taking extra care with customers who experience vulnerability for many reasons including cultural background, age, health conditions and family violence. We recognise that vulnerabilities can give rise to unique needs, and that these needs can change over time and in response to particular situations. You may experience vulnerability when you buy travel insurance, during the trip, at the time you make a claim under the travel insurance policy or after.
The Cover-More Family Violence Policy (hereinafter “the policy” or “this policy”) outlines Cover-More’s approach to taking extra care of customers affected by family violence in providing its services, including handling of complaints with sensitivity, dignity, respect and compassion. Cover-More follows the Australian General Insurance Code of Practice (GICOP) 2020 in formulating its framework for vulnerable customers including customers affected by family violence.
Cover-More’s key priorities in managing interactions with vulnerable customers include:
Cover-More is also committed to ensuring:
‘Family violence’ is defined as:
“violent, threatening or other behaviour by a person that coerces or controls a member of the person’s family… or causes the family member to be fearful”.
Family Law Act 1975 (Cth), section 4AB
Family violence is not limited to physical instances of violence and may also include threatening, emotional, psychological, financial/economic and sexual abuse.
Cover-More staff will be alerted that you may be experiencing family violence if you:
I. We do not require evidence
Cover-More does not require evidence of an intervention order to trigger the requirements of this policy. If you self-identify yourself as being affected by family violence, we can support you in accordance with the policy without further evidence.
II. We assure confidentiality of your information
Once you inform us of your vulnerability from family violence:
III. We will avoid you having to repeat your disclosure regarding vulnerability
We will avoid you having to repeat any disclosure regarding your vulnerability by:
IV. We will be flexible and sensitive in our communications
Cover-More staff will discuss safe ways to communicate and record these communication methods on the policy notes; such as if it’s a good time to talk or if it’s safe to leave phone messages or if you prefer email contact over phone.
We can also take into consideration that your specific preferences in communicating with us for example, if you request to speak to a male/female employee whom you feel more comfortable in communicating with.
If you require, Cover-More staff can help you connect with a financial counsellor, lawyer, community services or social worker, legal aid officer or family violence specialist.
V. We will help you access required assistance and support
Cover-More staff can provide you with information for resource and referral services you may access for counselling and expert advice on vulnerabilities you are experiencing. We have also provided the contact details of resource and referral services in the next section for your reference.
VI. We can support you if family violence has led you to other vulnerabilities
We will be mindful you may be subject to other vulnerabilities as a result of being affected by family violence such as financial hardship or depression.
If you are experiencing any other vulnerability as a result of family violence, Cover-More staff will prioritise your claim, query or complaint in accordance with our vulnerable customer processes and help you access referral services, if you require.
VII. Employee identity and support
At Cover-More we care about the identity and wellness of our staff supporting our customers with vulnerabilities. We have processes in place to protect their identity from any perpetrator of family violence and provide them with required support in handling sensitive matters.
The following resource and referral services are available for vulnerable persons in Australia:
|EMERGENCY||AMBULANCE/POLICE/FIRE - 000|
|Help for families affected by relationship or separation issues||Family Relationship Advice Line
1800 050 321
8am to 8pm, Monday to Friday
10am to 4pm, Saturday
13 11 14
Crisis Support Chat
|Family violence, abuse and sexual assault counselling||1800RESPECT
1800 737 732
1800RESPECT Online Chat
|Financial counselling||National Debt Helpline
1800 007 007
9.30am to 4.30pm, Monday to Friday
|Family counselling, mediation and dispute resolution services||Relationships Australia
1300 364 277
|National disability abuse and neglect hotline||Job Access
1800 464 800
Job Seeker Hotline on 13 62 68
|Elder abuse victim support||Compass
1800 353 374
Note: this number redirects you to the phone line in your state or territory. Operating hours and services vary.
|State and territory elder abuse victim resource centres||My Aged Care
1800 200 422
8am to 8pm, Monday to Friday
10am to 2pm, Saturday
|Advocacy and advice for older people||Older Persons Advocacy Network
1800 700 600
8am to 8pm, Monday to Friday
Note: this number redirects you to the Older Persons Advocacy Network organisation in your state or territory.
|Dementia information and support||Dementia Australia
1800 100 500
9am to 5pm, Monday to Friday
|Translating and interpreting service||TIS National
Free 24hr service via telephone or on-site
If you are not happy with how Cover-More handled your vulnerability, insurance policy or claim, you can lodge a complaint.
You can indicate to Cover-More staff, if you wish to lodge a complaint and they will be help you escalate the matter to the Complaints team. Alternatively, you can write to us or ask to speak with a Team Leader or Complaints Officer.
If for any reason, you remain unsatisfied with Cover-More’s response to your complaint or there had been an undue delay in our response (exceeding 45 calendar days), you may contact the Australian Financial Complaints Authority (AFCA).
Cover-More refers to businesses within the CoverMore Group of companies who provides services to customers in Australia. Cover-More acts as an agent of Zurich Australia Insurance Limited under a binder contractual arrangement, which authorises Cover-More to provide a range of services including issuing policies, product design and claims management services.