IBL Limited, trading as Focus Underwriting, is committed to protecting your privacy in accordance with the Privacy Act 1998 (Cth) and the Australian Privacy Principles. Our Privacy Policy describes our current policies and practices in relation to the collection, handling, use and disclosure of personal information. It also deals with how you can complain about a breach of the privacy laws and how you can access the personal information we hold and how to have that information corrected.

Our contact details for all privacy enquiries are:


Level 21 41 Exhibition Street Melbourne 3000

Phone: 1800 234 338




What information do we collect and how do we use it?

We collect from you all information we need to assess your application for insurance and to administer your insurance policy and any claims you may make. We provide any information that the insurer who provide our capacity require to enable them to decide whether to insure you and on what terms. This insurer may in turn pass on this information to their reinsurers. Some of these companies are located outside Australia.


When you make a claim under your policy, we assist you by collecting information about your claim. Sometimes we also need to collect information about you from others. We provide this information to your insurer (or anyone your insurer has appointed to assist it to consider your claim, e.g. loss adjusters or legal advisers etc) to enable it to consider your claim. Again this information may be passed on to reinsurers.


What if you don’t provide some information to us?

We can only fully consider your risk if we have all relevant information. The insurance laws also require you to provide your insurers with all the information they need in order to be able to decide whether to insure you and on what terms. You have a duty to disclose the information which relevant to the insurer’s decision to insure you. If you provide inaccurate or incomplete information we may not be able to provide you with our products or services.


Your consent

By asking us to assist with your insurance needs, you consent to the collection and use of the information you have provided to us for the purposes described above.