Terms & Conditions of Use

Welcome to the Local Community Insurance Group website (the Website), owned and operated by insurance broker Jardine Lloyd Thompson Pty Ltd ABN 69 009 098 864 (JLT).

By using or visiting this Website, you expressly agree to be bound by and comply with these Terms & Conditions and all applicable laws and regulations. In addition to these Terms & Conditions, other terms of use or conditions may apply to your use of this Website, parts thereof, or to products and services offered via this Website. You will be bound by these additional terms, as applicable.

This Website is to provide insurance information and premium costs directly to not-for-profit clubs and community groups. Quotations are not to be accessed and resold by insurance advisers or other insurance intermediaries.

JLT reserves the right to change these Terms & Conditions at any time, effective immediately upon posting on this Website. Please check this page of the Website periodically. Your continued use of the Website following any changes to these Terms & Conditions will be deemed acceptance of those changes.

JLT reserves the right to take appropriate legal action against you, if you breach these Terms & Conditions.

Use of Materials

Personal Use:

JLT authorises you to print, copy, re-produce and download materials on the Site, subject to the material not being modified in any manner.

Where you download material (including software) from this website, the material, including any files, and/or images incorporated in or generated by the software, and data accompanying the software will be licensed to you by JLT. You are expressly prohibited from selling, distributing, compiling, modifying, reverse engineering or otherwise dealing with the downloaded material in such a manner.

Commercial Use:

Printing, copying, downloading, reproduction or distribution of material from the website for commercial use of any kind is expressly prohibited without JLT’s prior written consent.

Information on the Website

This Website has been prepared from information believed to be accurate and reliable at the time it was sourced. JLT will use reasonable efforts to update the website on a regular basis, however JLT makes no representation and gives no warranty as to the accuracy, currency or completeness of any information at the website. You agree that your use of the information and/or services are entirely at your own risk.

Links to Third Party Websites

This Website may provide access to other websites on the internet via links or hyperlinks (“Linked Sites”). JLT is not responsible for the accuracy, legality, and decency of material or copyright compliance of these Linked Sites. JLT does not sponsor, endorse, or approve the operators of Linked Sites, or the material which may be found at the Linked Sites.

Completing transactions over the JLT Website

When entering into a transaction via the Website the transaction will not be completed until confirmation of your payment has been received and processed by JLT and these Terms & Conditions are complied with.

Purchasing an Insurance Policy

Where this Website enables you to purchase insurance products or services online:

  • Please read the Financial Services Guide and the Product Disclosure Statement before purchasing the insurance product or service;
  • JLT may act on and process all completed electronic instructions transmitted or issued through this Website without further consent from or reference to You;
  • JLT may treat an electronic instruction as authentic and is under no obligation to investigate the authenticity or authority of persons issuing or transmitting such electronic instructions, or to verify the accuracy and completeness of such electronic instructions.
  • In the event you wish to purchase the insurance as quoted to you via the Website, upon the completion by you of all required details, your acceptance of the quote will create a binding contract of insurance accompanied by a corresponding policy number.
  • JLT may issue paper confirmation of the insurance policy, however the existence of a binding contract is not conditional on JLT issuing, or you receiving, such confirmation of the transaction.
  • At all times you are responsible for ensuring you receive a policy number. In the event one is not received, you should contact JLT.


Every effort has been made to ensure that information on this Website is free from error, however JLT does not warrant the accuracy, adequacy or completeness of material on this Website. All information is subject to change without notice. JLT does not guarantee that this Website or Linked Sites will be free from any virus, or that access to this Website or any Linked Sites will be uninterrupted.

You are responsible for ensuring you have alternative contingency arrangements in place to enable you to conduct insurance or other transactions by other means should this Website be unavailable at any time and for any reason. JLT may at any time withdraw the JLT Website and without notice to you.

Limitation of Liability

Subject to any responsibilities implied by law and which cannot be excluded, JLT, and its directors, employees, agents and contractors, are not liable to you for any loss, damage, liability, claim and expense (including but not limited to legal costs and defence or settlement costs) whatsoever, whether direct, indirect or consequential, arising out of or referable to material on this Website, to Linked Sites, Third Party material, third party services, or to access of the JLT Website by you, howsoever caused, whether in contract, tort, including negligence, statute or otherwise.


At all times you shall indemnify JLT in respect of any liability incurred by JLT for any loss or damage, however caused, suffered by JLT as a result of your breach of any of the JLT Website Terms & Conditions, or your use of the JLT Website.

General Advice

Any advice on this Website is general. Please read the relevant Product Disclosure Statement to decide whether it suits your needs. JLT is also happy to provide you with further information if required.

JLT recommends that you seek independent legal advice prior to acting upon material contained on this Website or any Linked Site.


Copyright in the material on this Website is at all times owned or licensed by JLT.

Except where necessary for and incidental to viewing the material on this website, or as permitted under the Copyright Act 1968 (Cth), or other relevant laws, no material on JLT Website may be reproduced, stored in an electronic or other retrieval system, adapted, uploaded to a third party location, framed, performed in public or transmitted in any form whatsoever by any method whatsoever without the prior written consent of JLT.


Your access to this Website may be terminated by JLT at any time without any prior notice to you. Restrictions, licences granted to you, disclaimers and limitations of liability shall survive any such termination.


This agreement is construed according to and is governed by the laws of New South Wales, Australia.