Remuneration and informed consent (retail clients)

Important: the law requires us to obtain your informed consent before we receive any commission for arranging your insurance. Please read this before proceeding.

What we're paid

For the services we provide, we receive a commission from the insurer of between 0% and 35% of your base premium (excluding taxes, charges and levies). The exact dollar amount will be shown on your invoice and/or quote. We may also charge a fee, payable by you, when a policy is arranged, renewed or amended.

What this consent covers

This consent applies to your current policy and to future renewals and mid-term amendments. If our commission rate increases, we will disclose this and seek your consent again before proceeding.

Net of commission policies

Some policies are arranged net of commission, meaning no commission is included and we charge a fee instead. We will not add commission to a net policy without your explicit consent.

Your rights

You can ask us at any time how your commission is calculated, what the exact dollar amount is and how it may affect the advice we give you. Please contact us with any questions before providing consent.

Please note: consent is a requirement of the law and, once given, is irrevocable. We cannot proceed until we receive it.

If you have any questions about this disclosure, please don't hesitate to contact Sage Insurance. For further detail on how we're remunerated, please refer to our Financial Services Guide (FSG).