Agreement between User & Cover-More
This website is comprised of information, data, graphic, sounds and images (Content) and is owned and operated by Cover-More Insurance Services Pty Limited ABN 95 003 114 145, AFSL 241713 ("Cover-More"). Cover-More travel insurance products are underwritten Zurich Australian Insurance Limited ABN 13 000 296 640, AFSL 232507.
INFORMATION ABOUT FINANCIAL PRODUCTS
The Content on the Website is intended for use by Australian citizens and permanent residents seeking travel insurance for travel domestically and internationally from Australia.
It is not intended to be a complete description of all terms, exclusions and conditions applicable to Cover-More’s products and services. The Content and the Website itself does not constitute an offer or an intention to enter into a legally binding contract with any user, except where a user obtains a quote, answers the questions relating to the insurance and purchases the policy online. This facility is only available using the quoting engine and the insurance cover commences on the date and at the time shown in the written confirmation supplied by Cover-More to the user.
Except where specified, the Content does not form part of the terms and conditions of an insurance policy, the Product Disclosure Statement or any subsequent insurance contract which is entered into between Cover-More and a user.
The currency of transactions on this Site is in Australian Dollars (AUD) only.
Method of delivery - After receiving payment you will be emailed a Certificate of Insurance. You will not be mailed a hard copy of your insurance certificate. The policy will be valid for the period you have chosen as stated on the Certificate of Insurance.
PERSONAL INFORMATION PROVIDED FOR QUOTES
By requesting a quote for travel insurance and/or providing information to Cover-More about your personal details, health and medical conditions and those of your spouse or dependants, you are granting Cover-More, its affiliated companies permission to use the information you supply in connection with the supply of an insurance product (subject to the Cover-More Privacy Statement).
Cover-More adheres to the Privacy Act 1988. To view a copy of the Cover-More’s Privacy Statement, click here.
RISKS OF SUPPLYING PERSONAL INFORMATION
If you supply Cover-More with any personal information via the Website using an email or an online notification facility (for example our quote engine Cover-More Travel Insurance takes reasonable measures to ensure that the information is submitted and stored securely.
NO RESPONSIBILITY FOR BREACHES OF CONFIDENTIALITY/PRIVACY
Cover-More takes reasonable steps to secure certain areas of its Website (including password protected webpages) but it cannot guarantee absolute confidentiality of personal information supplied by a user through the Website. Cover-More takes no legal responsibility for unauthorised access to a user’s information which may be gained by third parties via the Website. If you are concerned about the security of your personal information, please contact Cover-More to discuss alternative methods for providing the information.
Conditions of use/access
NO UNLAWFUL OR PROHIBITED USE
Users warrant to Cover-More that they will not use the Website for any purpose that is unlawful or prohibited by law or these terms, conditions, and notices.
Users may not use the Website in any manner which could damage, disable, overburden, or impair it or interfere with any other user's use and enjoyment of the Website. Users may not obtain access or attempt to obtain access to any Content through any means not intentionally made available or provided for through the Website (for example, reverse engineering, hacking, deliberately and maliciously vandalising the Website are prohibited).
LINKS TO OTHER SITES
The Website may contain links to other websites or webpages (Linked Sites). Cover-More is providing access to Linked Sites for your convenience only, and the inclusion of any Linked Site on the Website does not imply endorsement by Cover-More of the site or any association with its operators. The Linked Sites are not under the control of Cover-More.
EMAILS SENT VIA THE WEBSITE
If a user sends an email via the Website, the email will be deemed to be received by Cover-More when the email is received by Cover-More in its electronic mailbox and able to be opened in readable form. Proof of sending an email will be established by production of an electronic or paper record showing the date and time that the email message entered the information system of Cover-More. If a message is urgent, always call Cover-More to check whether your email has been received.
INTEGRITY OF THE WEBSITE
Cover-More takes reasonable steps to maintain the integrity of the Content on the Website, but cannot guarantee or assure users as to the currency, reliability or accuracy of Content. It is possible that the Website and the Content could include errors, inaccuracies, or outdated information. Due to the nature of the ‘world wide web’, unauthorised use, additions, deletions, and alterations could be made to the Website and the Content by third parties (due to events beyond the control of Cover-More).
If you discover an error or have reason to believe that unauthorised access or ’hacking’ of the Website has occurred, please inform us so Cover-More can take steps to correct errors or respond to the unauthorised content.
CHANGES TO THE WEBSITE/CONTINUED ACCESSIBILITY
Cover-More may make changes to the Website and the Content from time to time and makes no assurances or guarantees as to the accessibility of the Website at any time (including webpages and Content on the Website). Cover-More has no obligation to provide access to the Website, the Content or particular webpages. It may “take down” or “remove” any Content, webpages or the entire Website at its absolute discretion. Cover-More makes no guarantee or assurance about the continued accessibility of the Website or that access will be free of interruption.
SUITABILITY FOR PURPOSE
Cover-More make no representations about the suitability, reliability, availability, timeliness, and accuracy of the Website and the Content contained on the Website for any purpose including in relation to Cover-More’s financial products (except where express representations are made to the contrary).
PROTECTING YOUR COMPUTER SYSTEMS
Users must take their own precautions to ensure that their hardware and software is free of viruses and that Content downloaded from this Website is free from viruses and other unwanted applications (such as ‘worms’ or ‘trojan horses’) that may interfere with or damage the operation of their computer systems.
COPYRIGHT, TRADEMARKS & OTHER INTELLECTUAL PROPERTY
The Content and the Website are protected by copyright and may be viewed and used for personal or educational purposes only. Except as provided by the Copyright Act 1968, any other applicable laws or where such use is limited to personal or educational use no part of this Website or the Content may be copied, reproduced, adapted or transmitted for any other purpose in any form by any process without the written permission of Cover-More Travel Insurance (including but not limited to business or commercial uses, market research, comparative, ‘shadow shopping’ or pricing studies).
All trademarks, domain names, service marks, trade names, logos and icons are owned by or licensed to Cover-More and/or its related companies. Nothing contained in this Website shall be construed as granting, by implication, estoppel, or otherwise any licence or right to use any trademark, domain names, service marks, trade names, logos and icons displayed on this Website without written permission of Cover-More or such third party which may own the trademarks, domain names, service marks, trade names, logos and icons displayed on this Website.
LIABILITY AND DISCLAIMERS
The Website and all such Content is provided "as is" without warranty or condition of any kind.
To the maximum extent permitted by law, Cover-More disclaims:
- All warranties and conditions with regard to Website and the Content, including all implied warranties or conditions of merchantability, fitness for a particular purpose, title and non-infringement, accessibility, reliability, currency and accuracy.
- Any and all responsibility for loss, damage, liability, cost or expenses incurred by a user arising out of or in any way connected with the use or performance of the Website or as a result of any error, omission or misrepresentation made on or in relation to this Website (including the Content). If a user is dissatisfied with the Website, the Content or any of the Content is unreliable, no longer current or inaccurate, the sole and exclusive remedy is for the user to discontinue using the Website.
- Any and all responsibility for loss, damage, liability, cost or expenses incurred by a user if any interference with, or damage to, their computer systems occurs when using the Website or arising from use of the Website.
- Any and all responsibility for the contents of any Linked Site, including any link contained in a Linked Site, or any changes or updates to a Linked Site. Cover-More is not responsible for webcasting or any other form of transmission received from any Linked Site.
COMMUNICATION WITH USERS
Cover-More reserves the right to communicate with you regarding this Website and your use of this site or any product or service purchased by you on this Website.
Any disputes relating to this website or the Content must be determined by the courts having jurisdiction in New South Wales, Australia in accordance with laws in force in New South Wales. Users irrevocably and unconditionally submit to this jurisdiction.