Name: First Title
Address: Level 1, Tower B, 799 Pacific Highway, Chatswood, NSW, 2067, AU
Telephone: 1300 362 178
Price range: $

Are you a *

Conveyancer / Solicitor? Customer?

TERMS and CONDITIONS

Authorisation to order Consumer Policies on behalf of purchasers, vendors and existing home owners

By ordering online, you agree to be bound by the following terms and conditions of submitting an order for a Home Owners GOLD, Strata Owners GOLD, Existing Home Owners GOLD, Existing Strata Owners GOLD or Commercial Owners GOLD (“Consumer Policies”).

General

The Consumer Policy request is subject to underwriting by First Title.

First Title can vary or cancel Consumer Policy requests and, if we do so, we will notify you and the customer of the variation and/or cancellation. We also reserve our rights to discontinue any product or service for any reason without notice, obligation or liability to you.

You will not receive payment or financial benefit in connection with ordering First Title Insurance Policies.

Policy Activation

A Consumer Policy is not an active policy of insurance until payment and activation terms are met.

Obligations when arranging insurance for customers

As the ordering party for the customer, you must comply with the following application process for each First Title Insurance Policy you arrange:

Provide proper and accurate information and disclosures in ordering Consumer Policies.
Provide all information in respect of a ‘known risk’ of which you have actual knowledge including information that comes to light after the issuance of the Title Insurance but prior to the policy activation (or the settlement date in the case of a property purchase).
Comply with any reasonable request by First Title in relation to ordering Consumer Policies.

You must:

Do nothing which may give any person the impression, or hold out, that you are conducting a financial services business in its own right, or that you are a representative of First Title.
Not provide any advice on the adequacy of a Title Insurance Policy or provide any interpretations of the terms of the policy documents.
Give the customer all information and notices reasonably required by First Title.
Not knowingly provide incorrect and inaccurate information to First Title in ordering the policy on the customer’s behalf. Should you provide incorrect and inaccurate information, First Title will not waive its right of subrogation against you in the event a customer makes a claim on the Title Insurance Policy.

Payment terms

Payment terms are contained within Consumer Policy documents that are issued to you and the customer on completion of the ordering process.

Representations and warranties

You represent and warrant that you have the right to order Title Insurance on behalf of the customer.
You warrant that you will not use the First Title website (firsttitle.com.au) for any purpose that is unlawful or prohibited by these Terms and Conditions or law, and that you will not attempt to obtain information or materials from the First Title website that is not intentionally made available to you.
To the maximum extent permitted by law, each party disclaims all warranties and representations, whether express, implied, or statutory, with respect to the services provided to the other party and other obligations undertaken hereunder, including without limitation, the implied warranties of merchantability, fitness for a particular purpose, or warranties arising from a course of dealing, usage or trade practice in respect to the Consumer Policies and their introductions.
First Title does not make any warranty that the quality of the products purchased or obtained by you or a customer will meet such customer’s needs or expectations.

Privacy Policy

In collecting personal information about you or the customer, First Title is bound by the Privacy Act 1988 and Australian privacy laws. First Title complies with the Australian Privacy Principles in protecting the privacy of personal information. Please see our privacy policy or contact First Title on 1300 362 178 for a copy of our privacy policy.

Limitation of liability

Neither party hereto will be liable to the other party for indirect, incidental, consequential, special or exemplary damages (even if such party has been advised of the possibility of such damages) such as, but not limited to, loss of revenue or anticipated profits, lost business, or any loss in relation to the use of the First Title website.

Location and Laws

First Title has an AFS Licence No. 263876 and is a licensed general insurer with its principal place of business being Level 1 Tower B 799 Pacific Hwy Chatswood NSW 2067.

The governing law of this Agreement is New South Wales Australia.

Agreement
By ticking this box you have read and agree to these Terms and Conditions.

Are you *

about to buy? a current owner?

Are you buying *

a house a strata titled property vacant land commercial property rural residential

Requesting title insurance for a residential property is only available online for a new property purchase. Your solicitor or conveyancer may be able to help arrange a policy if you already own your property.

For commercial properties, we do not have a title insurance product available for properties that have already been purchased.

Is the property / structure zoned for commercial use?

Yes No

Does the property consists of more than 4 dwelling that are part of the same title and is used to generate income?

Yes No

What is the Commercial property type?

What is the purchase price? *

$

What is the property address? *

Can't find your address? Click here

To use geo-complete, click here.

What is the legal description of the property purchased? * As per Contract of Sale

What is your anticipated settlement date? (The Policy will only become effective on the actual settlement date.) *

If the self-contained residential units are on individual titles then separate Strata Owners Gold policies should be ordered.

Please update the policy type or contact our Customer Service team on 1300 362 178 or customerservice@firsttitle.com.au for more information.

Did you obtain a building inspection report/building certificate or final compliance certificate at the time you purchased or subsequently? *

Yes No

Did you obtain a professional survey report of the property at the time you purchased or subsequently?

Yes No

Are you aware of any known risks affecting the property? *

A Known Risk is knowledge of an issue with the property that could lead to a claim under the title insurance policy. Known Risks include but are not limited to:

Unapproved building works;
No certificate of occupation issued;
Non-compliance with zoning and development laws;
Survey/boundary defects (boundaries not in the true location);
Knowledge of fraud, forgery and/or identify theft;
Non-compliance with easements and covenants;
Encroachments (structures expanding on to the neighbour’s property);
Lack of legal right of water supply or drainage;
Outstanding rates, charges or taxes on the property – that will not be paid or reimbursed on settlement;

If any of these Known Risks have been disclosed:

in your contract for sale;
in your Building Inspection report;
by the Real Estate Agent or Vendor.

Please select “Yes”.

A Known Risk is knowledge of an issue with the property that could lead to a claim under the title insurance policy. To determine if there are any Known Risks, please confirm:

Are you aware of any zoning issues which affect your right to occupy the property?
Have you received any correspondence, notice, order, claim or are you aware of a proposed notice, order or claim relating to:
- Unapproved building works;
- Any structure(s) on your property which extend onto your neighbour’s property;
- Any neighbouring structure(s) which extend onto your property;
- A claim of adverse possession by any person;

Outstanding rates by previous owners or outstanding notices.

Yes No

Describe known risk

Are you aware of any other defects / matters affecting title or use of the property? *

Yes No

Describe defects / matters affecting title or use of the property

Have you built any structures on the property since taking ownership? *

Yes No

Please describe

Did you consider buying title insurance at time of settlement? *

Yes No

Please explain why you didn’t end up purchasing title insurance

Have you done any renovations or modifications since settlement? *

Yes No

Please describe the renovations/modifications you have done

Have there been any room conversions on the property? *

Yes No

Do you know if they have been council approved? *

Yes No

Is there more than one residence on the property? *

Yes No

Do you know if the zoning allows for multiple residences? *

Yes No

Is the property connected to municipal water and sewer services? *

Yes No

Who is purchasing the property? *

Individual Company Trust

Please complete your contact details as per the Contract of Sale

Can't find your address? Click here

To use geo-complete, click here.

Add another purchaser?

Yes No

Please complete contact details as per the Contract of Sale

Add another purchaser?

Yes No

Please complete contact details as per the Contract of Sale

Add another purchaser?

Yes No

Please complete contact details as per the Contract of Sale

Please enter your Conveyancer / Solicitor details

Can't find your address? Click here

To use geo-complete, click here.

Relevant Documentation We will require the following documentation to support your application:

Details page from contract of sale
Title search document
Any documents relating to known risk

+ Add Files

How did you hear about us?

Terms and Conditions Declaration and consent by Purchaser
To the best of my knowledge the information contained in this document is accurate.
First Title will be made aware of any change to the information contained in this document including if any risks ordinarily covered by a title insurance policy become known before settlement.
The purchaser/owner consents to the release of personal information to First Title, and to First Title auditing the file of the purchaser’s representative in the event of a claim under the policy.
The purchaser/owner understands that the policy does not become an active policy until (1) they own the property and (2) the premium has been paid. Until these two conditions are satisfied, the Policy is not active and you cannot make a claim in the event of loss.

I have read & agree with the Terms and conditions

Cover Application

Thank you for your order

ERROR

$ERR Total

Our policyholder obtained a survey and discovered a wall had been built on to their property without their knowledge. Total cost of claim $18,000.

When our policyholder lodged a development application with council, they discovered that the existing garage and carport were built without a permit.
Total cost of claim $100,000.

After purchase, our policyholder became responsible for a 36 year old sewerage and building works defect. We accepted the claim and covered the rectification costs: $75,000

2 years after purchasing their property, our policyholder received a notice from council advising that the granny flat and double carport were constructed without approval

After settling their property, our policyholder in QLD was made aware that their backyard shed never received final building approval. Council issued a notice to rectify. Total cost of claim $30,000.

4 years after purchasing, our policyholder received a notice from council stating two large verandas and a shed were illegal. Total cost of claim $48,000.

Our policyholder undertook a survey in preparation to subdivide their property. The survey revealed several encroachments on 3 sides of the property.
Total cost of claim $51,000.

Our policyholder undertook a survey in preparation to renovate the property. The survey revealed that both fence lines were not on the true boundaries.
Total cost of claim $12,000.

First Title

Contact Us

Cover Application

Thank you for your order

ERROR

$ERR Total

Our policyholder obtained a survey and discovered a wall had been built on to their property without their knowledge. Total cost of claim $18,000.

When our policyholder lodged a development application with council, they discovered that the existing garage and carport were built without a permit. Total cost of claim $100,000.

After purchase, our policyholder became responsible for a 36 year old sewerage and building works defect. We accepted the claim and covered the rectification costs: $75,000

2 years after purchasing their property, our policyholder received a notice from council advising that the granny flat and double carport were constructed without approval

After settling their property, our policyholder in QLD was made aware that their backyard shed never received final building approval. Council issued a notice to rectify. Total cost of claim $30,000.

4 years after purchasing, our policyholder received a notice from council stating two large verandas and a shed were illegal. Total cost of claim $48,000.

Our policyholder undertook a survey in preparation to subdivide their property. The survey revealed several encroachments on 3 sides of the property. Total cost of claim $51,000.

Our policyholder undertook a survey in preparation to renovate the property. The survey revealed that both fence lines were not on the true boundaries. Total cost of claim $12,000.

First Title

Contact Us

When our policyholder lodged a development application with council, they discovered that the existing garage and carport were built without a permit.
Total cost of claim $100,000.

Our policyholder undertook a survey in preparation to subdivide their property. The survey revealed several encroachments on 3 sides of the property.
Total cost of claim $51,000.

Our policyholder undertook a survey in preparation to renovate the property. The survey revealed that both fence lines were not on the true boundaries.
Total cost of claim $12,000.