Ringo Jewellery Insurance appreciates that sometimes circumstances beyond your control can make it difficult to meet all of your financial commitments. We’re committed to supporting customers facing financial hardship. Our Financial Hardship Policy can help you access support and services when you need them most. 

HOW WE CAN SUPPORT YOU
If you’re in financial stress and are unable to pay money owed to us that is not a premium, we may — in certain circumstances — agree to: 

•    offer instalment payments
  •   delay or extend payment terms
  •   put the recovery of monies on hold
  •   release your debt (where appropriate)
  •   agree with you to pay a reduced lump sum amount
  •   deduct an excess from a claim amount 

If you’re in financial stress and are unable to pay your premium, then we will work with you to see if we can support you to keep you covered. Support under the Financial Hardship Policy may include: 

•    offering instalment payments
  •   review your payment terms and dates
  •   providing you with a review of your policy cover 

FLEXIBLE PAYMENT OPTIONS:
We provide flexible payment options if you’re experiencing financial difficulties, whether it’s a short-term issue or an ongoing problem.
We’ll allow you to enter into a payment arrangement, such as paying your debts on a weekly or fortnightly basis, as long the payment arrangement is reasonable given your circumstances. 

OUR STAFF
Our staff receive ongoing training on how best to respond to your needs. All customers should expect to be treated with dignity and respect. 

CONTINUOUS IMPROVEMENT
This policy is a living document, meaning that our Hardship Policy and our programs are continuously being reviewed and revised to ensure that they remain relevant and useful to you. 

CONFIDENTIALITY AND PRIVACY
Any contact (phone, email, face-to-face) you have with any staff member regarding your circumstances will remain confidential. We will not share information unless directed or authorised by law. For details of our Privacy Statement and Privacy Policy please follow the link below: 

Ringo Privacy Policy can be viewed here

By Email:
contact@ringoinsurance.com.au 

By Mail:
Ringo Jewellery Insurance
GPO Box 225
Sydney, NSW, 2001 

By Phone:
1300 359 816  

Please include all information that you believe is relevant to us considering your financial hardship application. 

Once we have received your application we will consider your circumstances and respond to you. 

Financial Hardship applications will only be considered if you are an individual insured or a third party beneficiary under a retail policy we have issued or you are an individual we are seeking to recover money from because we believe you caused damage or loss to an insured or third party under a retail policy issued by us.