If you need evidence of your protection or of your insurance, Capricorn can arrange for the issue of the following:

• a Certificate of Currency – Protection from Capricorn Mutual Limited; and / or 
• a Certificate of Currency – from an insurer brokered through Capricorn Insurance Services Pty Ltd, (together called Protection Certificates).

Protection Certificates

• confirm the existence of the Capricorn Mutual protection (being a discretionary risk product) or the existence of an insurance policy; 
• set out the type of protection, level and period of protection; or  
• set out the type of insurance, level and period of coverage.  

A Protection Certificate may appear legitimate but it may in fact be falsified, altered, or issued for protection or policies that have lapsed or never existed. This could lead to someone thinking that protection or insurance exists when it does not. This may then lead to a financial detriment to the person or business in the event of a claim. 

What members should be aware of

When receiving a Protection Certificate, members should be cautious where:

• the Protection Certificate appears generic, incomplete or inconsistent; or

• protection types or insurance types or associated time periods do not align with what is being covered or the work being performed.

Practical steps to protect your business

Members are encouraged to:

• remember that Protection Certificates are only provided once a request from you has been made;
• remember that Protection Certificates are issued to the protection-holder/policy-holder directly, most commonly to the protection-holders/policy-holder’s email address;
• check the email address that is used to send the Protection Certificate. If a Protection Certificate is issued:
  • by Capricorn Mutual Limited it will come from capricornriskservices@capricorn.coop
  • by Capricorn Insurance Services Pty Ltd, it will come from info@capricorninsurance.com.au or your account executive contact. 

• Protection Certificates received by any other method should be verified;
• ensure all details within the Protection Certificate are correct, current and without any inconsistencies; and 

• seek clarification where anything appears unclear or inconsistent.

Need help?

If you are unsure whether a Protection Certificate is legitimate or would like any other information, please contact:

• Capricorn Mutual Limited on 1800 007 022; or
• Capricorn Insurance Services Pty Ltd on 1300 761 780; or
• New Zealand Customer Services on 0800 555 303