Document ID: chunk:federal_register_of_legislation:F2024C01249:reg:1:p45
Version: federal_register_of_legislation:F2024C01249
Segment Type: reg
Provision Reference: reg 1 (pt 45/148)
Character Range: 445091–448045

person insured under an insurance product in pursuing a claim under the product; and
 (c) the claim relates to any of the following matters covered by the insurance product:
 (i) financial loss for fares for any form of transport or accommodation to be used in the course of a specified journey if the insured person does not start or complete the journey;
 (ii) loss or damage to personal belongings while the insured person is on a specified journey;
 (iii) a sickness or disease contracted, or injury sustained, by the insured person on a specified journey;
 (iv) loss, damage or compensation for an event affecting the insured person on a specified journey that ordinarily forms a part of insurance commonly regarded as travel insurance, including loss of cash or credit cards, legal liability, hijack, kidnap or ransom.

Financial advisers
 (8) The circumstances are:
 (a) the person is a financial services licensee whose Australian financial services licence covers the provision of financial product advice; or
 (b) both of the following are satisfied:
 (i) the person is an authorised representative of a financial services licensee whose Australian financial services licence covers the provision of financial product advice;
 (ii) the person is authorised by the licensee to provide financial product advice on behalf of the licensee.

Financial counsellors
 (9) The circumstances are that the person is a member of one of the following bodies, acting in that capacity:
 (a) Financial Counselling Australia Ltd;
 (b) Financial Counsellors Association of New South Wales Inc;
 (c) Financial and Consumer Rights Council Inc.;
 (d) Financial Counsellors Association of Queensland Inc.;
 (e) Financial Counsellors Association of Western Australia Inc;
 (f) The South Australian Financial Counsellors' Association Incorporated;
 (g) Financial Counselling Tasmania Inc.;
 (h) Financial Counsellors ACT;
 (i) Money Workers Association of the Northern Territory Incorporated.

Property managers
 (10) The circumstances are:
 (a) the person (the property manager) carries on a business of managing property; and
 (b) the property manager manages property on behalf of one or more other persons; and
 (c) the property manager represents a person insured under an insurance product in pursuing a claim in relation to the property under the insurance product.

Estate management
 (11) The circumstances are:
 (a) the person (the estate manager) administers the estate of a person who is:
 (i) deceased; or
 (ii) incapable of managing the person's own affairs because of physical or mental incapacity; and
 (b) the estate manager represents a person insured under an insurance product in pursuing a claim under the insurance product; and
 (c) the claim relates to the estate or its administration.

Public Trustees etc.
 (12) The circumstances are:
 (a) the person (the estate manager) is the Public Trustee (however described) of a State or Territory; and