FAQs
We’ve gathered a list of frequently asked questions of Unimutual to provide you with quick answers. For the best access to our resources, our Members can log in to the Member Portal. If you need further assistance or can’t find what you’re looking for, don’t hesitate to reach out to us—we’re here to help.
Member Portal
We apologise for any trouble you’re experiencing. Please reach out to us via email at [email protected] or call us at +612 9169 6600, and we’ll be happy to help.
Membership
You can find details of Unimutual’s Rules and Constitution in the Product Disclosure Statement, available in the Governance section of the Member Portal. If you’re unable to log in or have further questions, feel free to email us at [email protected] or call +612 9169 6600.
Protection and membership renews for all Members on November 1.
Members can review their Protections prior to renewal each year and request changes. Changes can also be requested during the Protection Period and will be assessed on a case-by-case basis.
Personnel
Please notify us of any changes by emailing [email protected] or calling us at +612 9169 6600. We’ll arrange onboarding for new representatives and staff, which includes an introduction to the Member Portal and ReSure.
Protection Information
You can access comprehensive information about your protections in the Documents area in ReSure.
ReSure is our portal where your protection information is securely stored. Upon becoming a Member, we will give you access and provide training. Members cannot access the records of other Members.
You can download your Confirmation of Protections and the Product Disclosure Statement through ReSure.
For any queries about special notations on Confirmation of Protections please contact us at [email protected] or call +612 9169 6600.
If you need clarification on any aspect of your protection, please reach out to us at [email protected] or call us at +612 9169 6600.
Protection Renewals
All protections are renewed annually on November 1.
Whether it’s a new construction or a purchase of an existing property, Unimutual should be notified at the planning stage, so that we may collaboratively offer Members our risk management services and to prepare for a smooth transition of protection. Email us at [email protected] or call +612 9169 6600.
Risk Awards
The Unimutual Excellence Awards celebrate Members who have made notable contributions in risk management, claims management, and insurance protection. Nominations open each November, and the winners are announced at the Unimutual Conference in March.
Training
To request tailored training either onsite or online, please email us at [email protected] or call +612 9169 6600.
We encourage collaboration and welcome your ideas for future training sessions. Feel free to send your suggestions to [email protected] or call +612 9169 6600.
Didn’t find the answer you were looking for?
Contact us and we would be more than happy to help.
Email us at [email protected] or call us at +612 9169 6600.
Member FAQ’s
Regulation and Governance
Unimutual is a Discretionary Mutual, not an insurer. Whereas insurers are regulated by APRA, Discretionary Mutual’s are regulated by ASIC (the Australian Securities and Investments Commission) as a financial services provider of miscellaneous mutual risk products. Unimutual holds an Australian Financial Services Licence for the provision of these products.
As a Discretionary Mutual, Unimutual does not have a credit rating. Our Australian Financial Services Licence requires that adjusted assets must exceed adjusted liabilities at all times. Further, we ensure the financial stability of the Mutual by placing a comprehensive and robust reinsurance program that protects against large losses and an aggregation of smaller losses. Our minimum counterparty credit rating requirement is Standard and Poors A- (or AM Best / Moody’s equivalent).
Here is a standard response to this common question:
“Unimutual is an Australian Financial Services (AFS) licensee with authorisation to issue miscellaneous mutual risk products. It is a discretionary mutual owned by its Members and regulated by the Australian Securities and Investments Commission (ASIC). As an AFS licensee, Unimutual is subject to the Corporations Act 2001 and the other relevant financial services laws.”
The information provided by Unimutual solely relates to the operation of the Protections offered in context of the contractual information provided. The information does not in any way constitute legal advice and the Member should always seek legal advice if required.
Didn’t find the answer you were looking for? Contact us and we would be more than happy to help.
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