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Private Legal Expense Insurance for UFUVIC Members
For the unpredictable moments in our lives
Howden & United Firefighters Union Victoria: working together
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Highlights of the program relating to legal costs and expenses for insured events include:
Personal Injury | • Pursuit of compensation where a third party is responsible for causing injury or death to you or your family. |
Property and Goods | • If someone accidentally damages your front fence, sprays graffiti on your property/house, then refuses to pay the costs of repairs or replacement. |
ID Theft | • Civil proceedings related to unauthorised use of bank account or personal information by persons unknown with an intent to commit fraud. If the likelihood arises of a claim against you from a collection agency in the event of a person/persons using your identity. |
Online ID Theft | • The insurer will reimburse any pecuniary losses as a direct result of the unauthorised use of bank details or personal information with intent to commit fraud or other crimes online by persons unknown. |
Family Law Disputes | 10 hours consultation for: |
Consumer Contract Disputes | • A dispute arising out of or relating to purchases or sales of consumer goods or services for private use that do not fulfil warranted characteristics, e.g. purchasing of furniture or electrical appliances; disputes with a travel agent or tour organisation; or disagreements or disputes regarding trade services or general services in your private household. |
Tax Protection | • Legal costs and expenses (including reasonable accountants fees) incurred to respond to an ATO investigation of your personal tax affairs (provided that up-to-date records are available, tax returns have been lodged by the due date and all reasonable information has been provided to the ATO). |
Tenancy Disputes | • For both landlords and tenants – pursuit or defence of action that relates to your rental premises. |
This is a limited summary of the policy. Terms, conditions, limits, excesses and exclusions apply. For full details and before making a decision, consider the Policy Wording and other relevant coverage documents before deciding if this is right for you.
Important documents: You will find the Policy Schedule and Policy Wording here.
Highlights of the program relating to legal costs and expenses for insured events do not include:
Personal Injury | Any claim arising from or relating to an illness, mental injury and an injury suffered at work or in connection with your work. |
Property and Goods | Any claim arising from or relating to: • A contract entered into by you; |
ID Theft | Any claim arising from or relating to: • Fraudulent use arising from any malfunction of software, internet, or cloud services; |
Online ID Theft | Financial losses incurred by you as a result of the use of a bank account or credit facility used other than exclusively for personal non-business use or is established with an entity that does not have an Australian Credit Licence. |
Family Law Disputes | Divorce applications and proceedings. |
Consumer Contract Disputes | Any claim arising from or relating to: |
Tax Protection | Any claim arising from or relating to: |
Tenancy Disputes | Any claim arising from or relating to: |
This is a limited summary of the policy. Terms, conditions, limits, excesses and exclusions apply. For full details and before making a decision, consider the Policy Wording and other relevant coverage documents before deciding if this is right for you.
Important documents: You will find the Policy Schedule and Policy Wording here.
Where to find help
If you have a question about Private Legal Expense Insurance, please get in touch with ARAG Legal Information Helpline
ARAG Legal Information Helpline
T 02 8066 0162
Press 2 as a policy holder
W www.arag.com.au/contact-us
ARAG Legal Document Centre
www.arag.com.au/document-centre
How to make a claim
Download and complete claim form here. Please submit a completed claim form and supporting documentation by emailing [email protected]
ARAG Services Australia Pty Ltd (ABN 14 627 823 198) (ARAG) has been granted delegated authority by the Insurer to enter into, vary or cancel policies and handle claims on their behalf. In providing these services, ARAG acts on behalf of the Insurer and not as Your agent. ARAG is authorised to provide financial services in accordance with its Australian Financial Services Licence (AFS Licence number 513547). Any advice provided by ARAG in relation to this product is general in nature and does not take into account Your individual circumstances. The insurer is detailed in your policy documents. www.arag.com.au