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Domestic and family violence assistance

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How we can help

We are committed to supporting customers who may be impacted by domestic or family violence.

If you’re an Insuranceline customer experiencing a domestic or family violence situation, please call us on 13 77 87 or 02 9081 6832, between 8am to 8pm (Melbourne time), Monday to Friday.

Our Domestic and Family Violence Policy applies to all customers, including those who hold or are covered under an Insuranceline policy, as well as those who have made an application. This policy has been developed to promote the safety of our customers and outlines the ways we can assist impacted customers.

Understanding domestic and family violence

Domestic and family violence can affect anyone. It usually involves violent, threatening or abusive behaviour enacted by a former or current family member, with the result of coercion or control, or causing fear or harm.

Domestic and family violence can include, but isn’t limited to, the following:

  • physical violence
  • sexual assault
  • emotional or verbal abuse
  • psychological abuse or controlling behaviour
  • stalking
  • financial abuse, and
  • abuse of older Australians.

Our commitment and priorities

We have made the following commitments to our customers:

  • We will always treat our customers with empathy, respect, and understanding.
  • We will treat all information disclosed to us as confidential and protect your right to privacy.
  • We will train our relevant staff on how to support customers who are experiencing domestic and family violence.
  • We will work with industry bodies and consumer groups to continue to refine our approach to supporting customers affected by domestic and family violence.

For customers experiencing domestic and family violence, we will:

  • Provide financial relief options to eligible customers as outlined in our Financial hardship policy.
  • Offer expert external support services.
  • Be flexible in our approach to claims and provide additional support for claimants through the claims process.
  • Refer you to emergency services if there is an immediate threat of harm, as your safety is paramount.

Objectives of the Domestic and Family Violence Policy

Our Domestic and Family Violence Policy outlines the ways we can assist impacted customers. The ways in which we do this are outlined below:

  • Making sure that the safety of our customers impacted by domestic and family violence is paramount.
  • Training customer-facing staff to assist with recognising the early signs of domestic and family violence and to ensure our staff respond appropriately to customers impacted by domestic and family violence.
  • Protecting your right to privacy and ensuring information you disclose to us is kept confidential at all times.
  • Minimising the number of times a customer affected by domestic and family violence needs to disclose information about domestic and family violence to us.
  • Ensuring appropriate and sensitive claims handling processes for claimants affected by domestic and family violence.

Collections and domestic and family violence

Insuranceline does not use external debt collections services to enforce or chase outstanding premium amounts. We have processes in place in relation to contacting customers to collect any outstanding premium payment before their policy lapses and to assist customers to retain cover if they choose.

If we become aware that a customer is impacted by domestic and family violence, we will handle any calls we make regarding lapsed policies with the utmost sensitivity and care to ensure the customer’s well-being is a priority.

Financial hardship

We ensure that all Insuranceline staff interacting with customers are aware of our Domestic and Family Violence Policy and Financial hardship policy and what support options are available for our customers.

Assistance and support

We commit to informing all customers of this policy. Customers will be offered support relevant to their situation, in so far as Insuranceline can provide.

Product design and domestic and family violence

We take into consideration the potential impacts of domestic and family violence when designing our products.

Customer complaints procedure

Complaints with respect to our Domestic and Family Violence Policy, including our compliance with it, can be raised using our customer complaints procedure. Complaints regarding failures and shortcomings in relation to this Policy (and others) will be directed to our Internal Dispute Resolution team for investigation. You can find out more about how to make a complaint, as well as in our Complaints Policy.

Backed by TAL

^Insuranceline Win 1 of 5 $1000 Visa Cards (Competition). Subject to the Terms and Conditions, the Promotor is offering customers a chance to win one of five Digital Visa Gift Cards valued at $1,000, in one of the four draws. Entry commences on the 1st of April 2024 and will run for four months until 11:59pm AEST on the 31st of July 2024 (Entry Period). During the Entry Period, to be eligible to participate in the Competition, customers must get a quote and take out a new Insuranceline Life Insurance, Income Protection Insurance, or Funeral Insurance policy to enter the Competition. A maximum of one (1) entry into the Competition will be awarded per eligible policy. The Promotion is not open to existing customers, or customers who have cancelled a Promoter branded policy in the 12 months prior to the commencement of the Entry Period and then taken out a new Insuranceline branded policy. Each of the four Prize Draws will take place at Level 16, 1 Denison Street, North Sydney NSW 2060 on the respective Prize Draw and Time, as listed in the table in Condition 13 (and if any Redraws if there are any unclaimed prizes, Condition 19) of the full Terms and Conditions, and the winners will be sent an email and will be attempted to be notified via phone within two (2) business days of the Draw and published on Max. retail value of the total prize pool is $20,000. To be eligible at time of the draw, customers must still have an active policy and have paid 1 month of premiums in full. View eligibility criteria and full terms and conditions here. Promoter: TAL Direct Pty Limited ABN 39 084 666 017 AFSL 243260. Permits: NSW NTP/09255, ACT TP24/00483, & SA Licence No. T24/388.

**Bonus 10% more cover is calculated on the fifth anniversary from the Policy Commencement Date. Each adult life insured will have an extra 10% of the average Funeral Insurance Cover amount held during the previous five years added to their Funeral Insurance benefit. Terms and conditions apply. Refer to the PDS for more information.

#Claims paid figures relate to all Insuranceline life insurance policies in the 2021 financial reporting year (1 April2021 to 31 March 2022). All claims on Insuranceline policies are assessed against the relevant policy terms and conditions. These terms and conditions, as well an explanation of the claims process, can be found in the applicable Product Disclosure Statement. Claims are administered and settled by the insurer, TAL Life Limited.

***Insuranceline is the longest standing provider of Funeral Insurance in Australia, based on: Strategic Insight, Actuaries & Researchers. Funeral Insurance means a policy with periodic premium payments that provides a lump sum to help pay for funeral and associated expenses when you die and excludes pre-paid Funeral Plans and Funeral Bonds.

The information provided on this website is general advice only which means it does not take into account your individual needs, objectives or financial situation. For this reason, you should consider whether it is appropriate for you, and before you decide to buy or to continue to hold an insurance product, you must read the relevant Combined Product Disclosure Statement (PDS) and the Financial Services Guide (FSG). The PDS/FSG contains important information which will help you understand the product, including what's covered and what's not covered and to decide whether it is appropriate for you. The Target Market Determination (TMD) for the relevant product, where applicable, is also available.

If you are considering cancelling a policy you already hold in order to replace it with a new policy, make sure you read the terms and conditions of both policies before you make a decision. The cover terms may be different, you may lose benefits accrued under your existing policy, and waiting periods may apply to the new policy. Changes in your personal circumstances (such as your age, health, and employment) that have occurred since your existing policy was originally taken out may also affect your new policy. As your application for a new policy may not be accepted, and some policies may be unable to be reinstated after they have been cancelled, you should consider waiting until your new policy is confirmed before you cancel any existing cover.

Promoted by Insuranceline, a trading name of TAL Direct Pty Limited (of Level 16, 363 George Street, Sydney NSW 2000) ABN 39 084 666 017 AFSL 243260. TAL Life Limited ABN 70 050 109 450 AFSL 237848 issues the life insurance benefits. St Andrew's Insurance (Australia) Pty Ltd ABN 89 075 044 656 AFSL 239649 issues the Involuntary Unemployment Cover.

The ways in which Insuranceline collects, uses, discloses and secures your personal information are set out in the Insuranceline Privacy Policy, which is available free of charge on request.