Welcome to the JLT National Club Risk Protection Programme (NCIP) website (“the Website’). Please take a moment to read carefully the following Website Terms & Conditions of Use (“Terms of Use’) before using the Website.

By using or visiting the Website, you expressly agree to be bound by these Terms of Use and the associated Privacy Policy and to follow all applicable laws and regulations governing the Website. Jardine Lloyd Thompson Pty Ltd (JLT) reserves the right to change these Terms of Use at any time, effective immediately upon posting on the Website. Please check this page of the Website periodically. Your continued use of the Website following any changes to these Terms of Use will be deemed acceptance of those changes.

In the event of your violation of these Terms of Use, JLT may take appropriate legal action against you.

About the Website

This Website is owned and operated by JLT (ABN 69 009 098 864 and AFSL 226827) for the JLT NCIP.

In addition to the Terms of Use contained in this document, other terms of use or conditions may apply to your use of the Website, parts of the Website, or to products and services offered via the Website. You will be bound by these additional terms, as applicable.

The Website is created to provide you with general information and provide you with direct access to the Personal Accident Product Disclosure Statement (PDS). If you have any difficulties in accessing the PDS please contact us by telephone on (02) 9290 8000.

Personal Use of Materials

JLT authorises you to print, copy, re-produce and download materials on the Site, subject to the material not being modified in any manner. JLT expressly authorises you to access, view and print the Personal Accident PDS available on the Website.

With the exception of any fair dealing for the purpose of private study, research, criticism or review, as permitted under the Copyright Act 1968 (Cth), no part of the Website may be reproduced without the written permission of JLT.

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

Commercial Use of Materials

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. JLT expressly authorises you to access, view and print the Personal Accident PDS available on the Website.

Information on the Website

This Website has been prepared from information believed to be accurate and reliable at the time it was sourced. JLT at all times will use reasonable efforts to update the Website on a regular basis, however JLT at no time makes any representation as to the accuracy, currency or completeness of any information on the Website. All information and services on the Website are provided on an “as is’ basis, without any express or implied warranty and you agree that your use of the information and/or services are entirely at your own risk.

Login and Pin

In the event that you are provided with a PIN to access parts of the Website, you are responsible for ensuring that the PIN and login details are kept secure and confidential and further that use of this aspect of the Website is for authorised purposes only.

Links to third party Websites

The Website may provide the service of access to other Websites on the internet via hyperlinks located on this Website (“Linked Sites’). At all times JLT uses reasonable measures to review the Linked Sites, however 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 Linked material which may be found at these Websites. You must ensure that you read all relevant terms and conditions applicable to the use of the Linked sites, including any other JLT operated sites.

Completing transactions over the Website

When entering into a transaction via the Website JLT may act on and process all completed electronic instructions transmitted or issued through the Website without further consent from or reference to you and 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.


Every effort has been made to ensure that information is free from error, however JLT does not warrant the accuracy, adequacy or completeness of material on the Website. All information is subject to change without notice. JLT does not guarantee that the Website or third party Websites will be free from any virus, or that access to the Website or third party Websites will be uninterrupted. All terms implied by law, except those that cannot be lawfully excluded, are excluded.

Limitation of Liability

Subject to any responsibilities implied by law and which cannot be excluded, JLT and its related entities, 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 the Website, to third party material, third party services, or to access of the Website by you, howsoever caused, whether in contract, tort, including negligence, statute or otherwise.


At all times you shall indemnify JLT and its related entities, 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 Website Terms of Use, or your use of the Website.

No Investment or Personal advice

At no time does the Website purport to provide you with investment, financial or personal advice of any kind. At no time does the information available via the Website take into consideration your individual financial, insurance or personal requirements. JLT recommends that you seek independent legal advice prior to acting upon material contained on both the Website or any third party Website.

Availability of the Website

Electronic services can be subject to both interruption and breakdown from time-to-time. Access to the Website is offered on a strict “as is’ basis and “as available’ basis only. It is your responsibility to ensure you have alternative contingency arrangements in place to enable you to conduct insurance or other transactions by other means should the Website be unavailable at any time and for any reason.

JLT is entitled to impose limits or restrictions on the use you make of the Website. JLT may at any time withdraw the Website and without notice to you.

Outsourcing to third party Providers

Parts of the Website, or the provision of other services offered via the Website may be outsourced to third party Providers. The Terms of Use apply equally to any and/or all outsourced services, unless you are alternatively notified.


Copyright in the material on the Website is at all times owned or licensed by JLT. Except where necessary for and incidental to viewing the material on the Website, or as permitted under the Copyright Act 1968 (Cth), or other relevant laws, no material on the 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.


JLT Terms of Use and your access to the Website may be terminated by JLT at any time without any prior notice being given to you. Restrictions, licences granted by you, disclaimers and limitations of liability shall survive any such termination, upon which any access you have to the Website will be thus terminated.


This agreement is construed according to and is governed by the laws of New South Wales, Australia. The parties submit to the exclusive jurisdiction of the courts in and of New South Wales in relation to any matters arising under this agreement or in relation to Website.