Cover Application

  • Step 1. Property
  • Step 2. Purchaser’s details
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.

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Please contact us so we can talk about your cover requirements

Please note in the event of a claim, you will be required to provide a copy of the building report.

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.

Describe known risk

Describe defects / matters affecting title or use of the property

Please describe

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

Thank you for your order

Our Underwriting Team will now review your application and come back to you shortly.
Our indicative quote for a

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Your privacy is important to us. We are committed to our privacy obligations and will conduct our business to ensure the protection of your personal information. It is important to understand how we may collect and use your personal information. Please refer to our Privacy Policy to understand how we will deal with your personal information.