What is Pause Cover?
Put simply, it’s an easy way you can save money when you are not working.
Because your Legal Liability insurance covers you for events which occur whilst you are working, if you know you’re not going to be working, then you can pause those covers and get a credit towards your next monthly payment.
How does it work?
There are two simple ways in which you can pause your cover:
Pause now - through the Evari Dashboard, click ‘Pause Liability’ and select today’s date and a date that your cover will resume. This will pause your cover with immediate effect. If plans change, then you can resume your cover at any time by accessing the dashboard and clicking ‘resume’.
Scheduled pause - through the Evari Dashboard, select future dated start and end dates in order to schedule a period when you not planning to work and you would like to pause your cover. You can cancel this at any time.
Important! You will not be covered for Legal Liability risks during an active pause period. Please ensure that if your plans change and you start work earlier than planned that you update your cover in the dashboard.
Is there a limit to how many pause periods I can schedule?
You can schedule as many different individual pause periods as you like.
What if my plans change and I want to cancel a scheduled pause period?
If your pause period has started - if your pause period is ‘active’, then your cover is already paused, and you will need to click to ‘resume’ your cover. This can be done at anytime.
If you want to cancel or change a scheduled pause period - you can update any future dated pause period that is in ‘pending’ status, simply cancel it through the “pause cover’ dashboard and create a new pause period if appropriate.
When will my pause start and stop?
Each time you specify a Pause Period, you will be shown clearly when the pause will take effect and when your cover will resume. You will also be told how much you will receive as a credit towards a future payment for your insurance,
If you select ‘Pause now’, your pause will start immediately, and cover will resume at 12.01am on the date you select to resume cover.
For scheduled pauses, your pause will start and end at 12.01am on your pause and resume dates respectively.
All times are in Australian Eastern Standard Time (AEST).
Will I get a refund for Paused cover?
Yes! If there has been a pause period during the previous month, we will apply a credit to your invoice on the monthly billing date for the liability cover. If your pause periods goes across more than one billing cycle, then you will be credited in each billing cycle for the amount of time you were paused in the past billing period.
Why can’t I pause my tools / tax audit cover?
Legal liability cover protects you for certain events which may occur whilst you are working - and therefore it makes sense to be able to pause these covers.
However, your Tools and/or Business Equipment may be lost, damaged or destroyed at any time on any day, even if you are not working, and so it may not make sense to pause your cover for these items. Additionally, you never know if, or when, you may be subjected to tax audit and this could have a devastating impact on your business.
For these reasons, we don’t automatically pause your other covers when you pause your liability insurance.
What if I want to change my liability cover?
Legal liability cover can be adjusted at any time, except when the cover is paused. Please resume your cover to make the changes, or wait until your pause period has been completed.
I need to send a Certificate of Insurance
Certificates of Insurance and Interested Parties can’t be amended while your cover is paused. Please resume your cover to make the changes, or wait until your pause period has been completed.
Why can’t I change my tools or tax audit cover?
If you need, or would like to change your selected level of your cover, or add or remove a cover, you’ll need to ensure your liability cover is not currently paused, and that you have no future pauses scheduled. This ensures that you are always correctly charged for your cover.