If you as an individual or small business currently hold an insurance policy with us (Newline Australia Insurance Pty Ltd) and are experiencing Financial Hardship, we encourage you or your representative to tell us so that we can work with you to discuss your situation and the options available to support you — otherwise there is a risk that we may not find out about it. If you tell us that you are experiencing Financial Hardship, we will give you a form for you to apply for Financial Hardship support and, if appropriate, contact details for the National Debt Helpline: 1800 007 007. We will communicate with you about your application and where possible, we will use your preferred method of communication. If we know that you have nominated a representative, then we will keep that person updated about your request for Financial Hardship support, unless you tell us not to.