Access to and use of the Website and Add Insure products and services are subject to these Terms and Conditions. You agree to be bound by these Terms and Conditions by using the Website, or otherwise indicating your agreement to be bound (e.g., by telling us or our underwriter(s) over the phone, or ticking “I agree” when purchasing a policy). We may provide links and direct you to third-party websites (e.g., underwriters). We do not monitor or assume responsibility for the condition or content of any third-party website, and these are subject to their own Terms & Conditions.
To provide each Add Insure product (and only for that purpose), Add Insure Insurance is issued and underwritten by numerous underwriters. Australian Insurance Company Pty Ltd (AIC) is authorised by these underwriters to arrange for the issue of this insurance on their behalf. AIC has appointed Add Insure Pty Ltd (Add Insure) as its Authorised Representative. Add Insure undertakes various activities including advertising, the operation and maintenance of this website and quote lines, communication throughout the lifecycle of your policy, and some sales and service functions. The terms and conditions that apply to your insurance product are set out in each respective Product Disclosure Statement (PDS). Add Insure may receive a commission and other benefits in connection with each of these policies.
In these terms and conditions‘Underwriter’ refers to various underwriters without specific brand names.
‘Website’ refers to addinsure.com.au and associated sites.
‘Add Insure’, ‘our’, ‘us’, and ‘we’ refer to Add Insure Pty Ltd ABN 58 641 686 599 AR 1282515. Add Insure is a Corporate Authorised Representative of Steadfast IRS Pty Ltd ABN 95 159 898 398 AFSL 435538.
‘You’, ‘your’, and ‘Add Insure Customer’ refer to users of the Website and persons who hold insurance policies issued under the Add Insure brand.
CommunicationAt Add Insure, we will communicate with you about your policy, as well as offers and benefits that we may make available to you. These offers and benefits may relate to insurance and/or other products and services. We only want to send you messages that you would like to receive, and we understand you may want to opt out of receiving certain types of messages that we send you.
Unless you have unsubscribed, you agree to Add Insure and our underwriter(s) sending you messages via various channels (including by email, SMS, mail). You will receive different types of messages as an Add Insure Customer. You agree that the method by which you can unsubscribe from each of these types of messages is by:
If you are an Add Insure Customer, Add Insure and our underwriter(s) need to be able to send you messages relating to your policy, changes to your account, missed payment reminders, renewal notifications, claims information, important information relating to products and services you have purchased, forgotten passwords, and updates to our T&Cs and Privacy Policy.
If you hold more than one Add Insure policy, unsubscribing from marketing and promotional messages from Add Insure will automatically unsubscribe you from marketing and promotional messages from Add Insure in relation to other Add Insure policies that are connected to the same email address or mobile number. To opt back in to receiving marketing and promotional messages from Add Insure, you can contact our Customer Service team by:
If you have any questions about how to unsubscribe or how to manage your communication preferences, please call the Add Insure Customer Service team at 1300 459 346. If you cancel your Add Insure product, the Communication Sections of the Terms and Conditions will continue to apply for 5 business days after the effective date of the cancellation of your policy. However, the relevant underwriter(s) may continue to communicate with you in relation to your policy.
Offers and fair useWe may from time to time make offers and promotions available to new or existing Add Insure Customers or policies. Offers and promotions are subject to the terms and conditions specific to that offer or promotion, in addition to these Terms and Conditions. You agree that you will not use any offer or promotion in an excessive, unreasonable, or fraudulent manner.
If we determine, acting reasonably, that you have used an offer or promotion in an excessive, unreasonable, or fraudulent manner, we may cancel, revoke, or limit your right to enjoy the offer or promotion immediately and without prior notice to you. If you believe that we have unreasonably cancelled, revoked, or limited your right to enjoy an offer or promotion, you can contact our Customer Service team by:
The information on the Website is a summary only. Source material should be consulted in all cases affecting legal rights or responsibilities. Changes in circumstances may occur at any time and may impact the accuracy or completeness of the information. However, to the extent permitted by law, we do not warrant the accuracy, adequacy, or completeness of the information and exclude liability for any decision taken on the basis of information shown in or omitted from this Website.
The material on the Website is published by us and is intended for use in Australia. The Website is not intended for use outside Australia. We make no claim that the information contained on this Website is appropriate or may be downloaded legally outside Australia. If you access the Website from outside Australia, you do so at your own risk, and you are responsible for compliance with the laws in your respective jurisdiction.
The Website is not intended for persons under the age of 18. If you are under 18, you should speak to your parents, your guardian, or a responsible adult and obtain their permission to use the Website.
The information, materials, and services contained on the Website are provided to you ‘as is’, and ‘as available’. To the maximum extent permitted by law, unless otherwise specified, we disclaim all representations and warranties of any kind, whether express, implied, or statutory. In addition, we do not warrant, guarantee, or make any representations regarding the security of accounts, or that the Website is free from destructive materials, including but not limited to computer viruses, hackers, or other technical sabotage.
We also do not warrant, guarantee, or make any representations that access to the Website will be fully accessible at all times, uninterrupted, or error-free. Use of the Website is limited to obtaining insurance quotes, obtaining other information relating to the price of insurance cover, and conducting insurance-related transactions or queries, in respect of insurance cover for you or a member of your immediate family, with their prior consent. You agree not to otherwise use the Website to obtain insurance quotes, or to obtain other information relating to the price of insurance cover from us or conduct insurance-related transactions or queries. You also agree to indemnify us in respect of any liability incurred by us for any loss, cost, damage, or expense, however caused, suffered by us as a result of your breach of this obligation.
In using the Website, you agree that you will not, either directly or indirectly through another party, use any robot, spider, screen scraper, data aggregation tool, or other device or process to process, monitor, copy, or extract any web pages on the Website, or any of the information, content, or data contained within or accessible through the Website, without our prior written permission. Further, you agree not to use any process to aggregate or combine information, content, or data contained within or accessible through the Website with information, content, or data accessible via or sourced from any third party. In addition, you agree not to use any information on or accessed through the Website for any commercial purpose or otherwise (either directly or indirectly) for profit or gain. You also agree not to reverse engineer, reverse assemble, decompile, or otherwise attempt to discover source code or other arithmetic formula or processes in respect of the software underlying the infrastructure and processes associated with the Website, or copy, reproduce, alter, modify, create derivative works, or publicly display, any part of any content from the Website without our prior written permission.
To the maximum extent permitted by law, we disclaim liability for any damages, including, without limitation, direct or indirect, special, incidental, compensatory, exemplary, or consequential damages, losses, or expenses, including without limitation lost or misdirected orders, lost profits, lost goodwill, or lost or stolen programs or other data, however caused and under any theory of liability arising out of or in connection with (1) use of the Website, or the inability to use the Website by any party; or (2) any failure of performance, error, omission, interruption, defect, delay in operation or transmission; or (3) line or system failure or the introduction of a computer virus, or other technical sabotage, even if we or our employees or representatives are advised of the possibility or likelihood of such damages, losses, or expenses.
All names and marks depicted on the Website are owned by one or more of us and no permission is given to you to make any use (including any reproduction) of them. The Website may contain a number of links to other sites which are operated by third parties or our underwriter(s). The provision of the link does not mean that we endorse or accept any responsibility for the content, use, or products and services made available.
