Who we are
Luxury Cover is a trading name of Lang Broking Co Pty Ltd. Lang Broking Co Pty Ltd (ABN 61 702 374 972) is a Corporate Authorised Representative (No. 1323797) of Australian Broker Network Pty Ltd (AFSL 253131). We are an insurance broker arranging general insurance in Australia.
General advice warning
Everything on this site is general information or general advice only. It doesn’t take your objectives, financial situation or needs into account. Before acting on it, consider whether it’s right for you, and read the product disclosure statement and target market determination before buying or keeping a product.
How we’re paid
When you buy a policy through us, the insurer pays us a commission, which is included in your premium. We also charge a broker fee of $250 per policy, shown separately before you pay. If you pay monthly, your premium is funded by a premium funder and that cost is also shown separately. The price you see is the price you pay. Our Financial Services Guide has the full details.
Documents
Each insurer’s product disclosure statement and target market determination are linked on its quote and again before you pay. The versions you bought under are saved to your policy in your account. Our Financial Services Guide will be published here before we issue our first policy.
Your duty when you apply
When you apply for, renew or change a policy, the law requires you to take reasonable care not to make a misrepresentation to the insurer. That means answering our questions honestly and accurately, and telling us if anything changes before the policy starts. We show you a notice explaining this duty before you’re quoted, and keep your acknowledgement with your policy. If you don’t meet this duty, the insurer may reduce or refuse a claim, or cancel the policy.
If something goes wrong
We confirm every complaint in writing, a person looks into it, and we resolve it within 30 calendar days. If you’re not satisfied, you can go to the Australian Financial Complaints Authority, which is free and independent. How to make a complaint.
Using this site
The information on this site is general and provided in good faith. We don’t guarantee it’s complete or current, and it isn’t an offer of insurance. A quote is an invitation to apply, and cover only starts once the insurer accepts your application and issues the policy. You agree not to use the site to make a false or misleading application, interfere with how it works, or access it other than through its pages. To the extent the law allows, we aren’t liable for loss from relying on the site’s general information. These terms are governed by the laws of New South Wales.
Pre-launch. Our licensing details and Financial Services Guide are still to be published on this page. Nothing on this site is an offer of insurance until they are.