If you need us, we are here
Doing our part to support those in need
We make this promise to all who interact with us. Why? Because we want to make sure our services have a positive impact on every single one of our clients (including those who may be experiencing hardship or need extra support). So, whatever your circumstances, our promise to you is - if you need us, we are here.
EBM RentCover values - driving everything we do
Honest to the core
Truth and integrity rest at the heart of all our interactions. If you tell us you need extra support, we will be open and honest about the help we can provide. As important, we will be honest if there is something we are unable to help with.
Do the right thing
Knowing right from wrong is black and white, never grey. It is our promise that we will never take advantage of someone’s situation and will do our best to offer support. While (in some cases) we may not be able to provide the help that is being asked of us, we will always provide help and support that is in our power to give.
We believe to build strong and lasting relationships, it is important for us to take responsibility for all actions. If you tell us (or we recognise) that you need additional support or assistance, we will take ownership and work out ways we can help. If, for some reason, we are unable to offer the help you are seeking, we will be open and honest about why, and may direct you to other resources.
Incite optimism (over fear)
We work to find resolutions, not more problems. We know it is not always easy to share your experiences with others, so we want to assure you the information you provide to us will be treated with the utmost care. We will proactively keep you informed of your options and your rights, and any guidance we give will have your best interests at heart.
We are a business built on relationships… with people at its heart. We will always make ourselves
approachable, and will offer compassion and always listen if you need to tell us about any difficulties you may be experiencing.
Do you need extra support?
Why a promise?
We know insurance can be daunting. So, we wanted to promise our clients that we will work to understand and help them. This is especially important for those who need extra support from us.
What should I do if I am vulnerable?
If you are someone who is going through a personal experience that gives rise to unique needs, we may be able to provide extra support.
Extra support could be required if you are a person who:
- is facing financial hardship
- has language barriers
- is in a family violence situation
- has fallen ill
These situations can stem from a range of factors including age, disability, mental health conditions, physical health conditions, violence, cultural background, remote location or financial distress.
How do you deal with people with vulnerabilities?
At EBM RentCover, a set of values underpin everything we do. These values are engrained in all team members and define the approach we take to understand and support vulnerable people.
Financial hardship - a common difficulty that may require extra support
What is financial hardship?
If we think about EBM RentCover and the clients and customers we work with, hardship typically relates to:
- Clients having difficulty meeting their financial obligations to EBM RentCover (e.g. they may be having trouble paying their annual premium); or
- An event that caused a client to make a claim under their policy, alsocaused the same client to be in urgent financial need of the settlement amount they are entitled to under their policy.
How does someone fall into financial hardship?
Unfortunately, sometimes life gets in the way and the unexpected happens. Anyone can fall into financial hardship on the back of a job loss, unexpected bills or an illness or disability. There are a wide range of different situations, so even if your circumstances are different to the ones we have listed, let us know as we might be able to help.
Are there any free services that may be able to help me with my financial hardship?
Free, confidential, independent financial advice is available to you via Financial Counselling Australia and through the national financial counselling hotline 1800 007 007.
What if I’m unable to pay my premium?
There may be other options available to help you get on top of your payment and maintain your insurance. This includes premium funding. While premium funding may cost more in the long-run, it means you can reduce the amount you pay upfront, and stay insured by paying only part of your premium in periodic instalments (usually monthly).
We want to help if you are facing financial difficulty. Contact our Expert Care team on 1800 661 662 to discuss your options.
I’ve lodged a claim and now I’m in urgent need of recouping my costs…
We know claims can have an immediate impact on our clients. In fact, in many cases the benefits of the policy are a necessity to meet other financial obligations a policyholder may have. If you are in urgent need of the funds you are entitled to under your policy, we may be able to help by fast-tracking the review of your claim or paying an advanced amount to help ease the pressure you are under.
To request that your claim is fast-tracked, or an advanced amount paid, contact the Claims Specialist handling your claim and notify them you are experiencing financial hardship. If you are not sure how to contact your Claims Specialist, you can contact the National Expert Care Manager at firstname.lastname@example.org.
What happens if I have a tenant who needs to break their lease or can’t pay rent due to financial hardship?
You can usually claim on this under our policies (depending on the cover you have). However, all claims are different, so it can be hard to say, without further information, if a claim would be paid under a policy.
We understand this can be a difficult situation for both you and the tenant, and where possible, we will offer guidance on the next steps you should take to help reduce the stress and losses that may stem from this situation.
If you have not already lodged a claim, touch base with the EBM RentCover team on 1800 661 662 and chat to us about the circumstances you are facing. If you have lodged a claim, make sure you are open about your situation, and your Claim Specialist will work with you through the process.
What support do you offer during times of national crises?
During times of national catastrophes, we are always looking for ways to offer support or relief to our customers that may be impacted. Contact our Expert Care team on 1800 661 662 and let them know about your circumstances and any financial difficulties that may be impacting you. Our team will then let you know of any additional support or assistance that may be available through us in these times of need.
Please note, this page will be updated to include examples of how we provide extra support to different people, including how we look after those facing family violence, language barriers and illness.
About EBM RentCover
EBM RentCover’s relationship with the real estate industry ignited nearly 30 years ago, with the development of one of Australia's first landlord insurance policies. Since then, we have educated property investors and property professionals about the value of aligning with a specialist landlord insurance provider and we now protect more than 160,000 rental properties across Australia.Find out more
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