13Insurer’s obligation to provide Key Facts Sheet

#### 13 Insurer’s obligation to provide Key Facts Sheet (1) This section is made for the purposes of section 33C of the Act. (2) An insurer must provide a person (a consumer) with a Key Facts Sheet for a prescribed contract, or a potential prescribed contract, as soon as reasonably practicable but not later than 14 days, after: (a) if the consumer requests information about the contract—the consumer first requests information about the contract; or (b) if the consumer enters into the contract with the insurer (other than by an agreement to extend or vary the contract or a reinstatement of the contract)—the consumer enters into the contract. (3) The insurer may provide the Key Facts Sheet by electronic means at the consumer’s request. (4) If an insurer has a website that is accessible by members of the public, the insurer must keep the most current copy of each Key Facts Sheet for a prescribed contract on the website, in a format that may be downloaded by members of the public. (5) An insurer is not required to provide a consumer with a Key Facts Sheet for a prescribed contract or a potential prescribed contract: (a) if: (i) the insurer has already provided the consumer with the Key Facts Sheet; and (ii) the Key Facts Sheet has not changed since then, other than a change to the date of the Key Facts Sheet; or (b) if: (i) the insurer reasonably believes that someone else has already provided the consumer with the Key Facts Sheet; and (ii) the Key Facts Sheet has not changed since then, other than a change to the date of the Key Facts Sheet; or (c) if the consumer: (i) requests information about the contract from an insurance broker; or (ii) enters into the contract through an insurance broker who is not acting as an agent of the insurer in relation to the contract; or (d) if the consumer does not provide the insurer with the consumer’s address (postal or electronic) to which the Key Facts Sheet is to be sent; or (e) if the consumer informs the insurer that the consumer does not want the Key Facts Sheet.