wait till you try to claim.Can't believe this is so hard to find.
Did you ever have any luck on this? I've just been around the same merry-go-round with a policy underwritten by TAL and excluding IP and TPD for MTBing.Going to keep bumping this thread as think it’s useful for everyone to
A) check their insurance
B) help me and others find TPD and IP cover
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Cover is through AIA for IP, and Clearview for Death and TPD.@northvanguy your circumstances sounds exactly the same as where I find myself (even have been through the same provider, TAL). And also looked at AusCycling to fill the gap, but the coverage amounts are fairly small, as you've mentioned.
@teK-- who is the underwriter of your policy? I do have a financial advisor who is looking into this for me. In a perfect world I'd be hands off and he'd find the right policy. But trying to do a bit leg work myself as the advisor is definitely struggling with the finer details of MTBing description in policies. The TAL policy even starts referencing IMBA trail ratings..... and I don't expect my financial advisor to be able to make sense of that, so hoping that be able to point him to some providers who cover MTB.
Thanks for sharing. Going to send them an email today.Cover is through AIA for IP, and Clearview for Death and TPD.
Just be wary if they are willing to deal direct with you, then this might be for an off the shelf product.Thanks for sharing. Going to send them an email today.
Noted and thanks.Just be wary if they are willing to deal direct with you, then this might be for an off the shelf product.
The full assessments are usually done by the reseller/adviser who you would pay a fee for the service.
Thanks, I will follow those up with my Adviser. Are they the actual underwriters? Or the retailers?Cover is through AIA for IP, and Clearview for Death and TPD.
Not 100% sure. As I understand everyone is underwritten by someone else higher up the chain until you get to only a small handful of companies who undewrite globally.Thanks, I will follow those up with my Adviser. Are they the actual underwriters? Or the retailers?
Yes.... it's an opaque world in insurance! Normally the company that sends the "welcome to your new insurance policy" letter is not the underwriter though. The underwriter never communicates with you directly (unless you're making a claim). Are AIA and Clearview the customer facing companies for your policies?Not 100% sure. As I understand everyone is underwritten by someone else higher up the chain until you get to only a small handful of companies who undewrite globally.