Win $10k holiday! T&Cs apply
Win $10k holiday! T&Cs apply
To celebrate the start of silly season, we're giving away a ho ho ho-liday to Hamilton Island worth a whopping $10,000!
This One-derful prize includes:
- Return flights for 2 people to Hamilton Island, QLD
- 3 nights accommodation at Award-Winning resort Qualia (Conde Nast Traveller - Best Hotel in the World, Telegraph - 50 Best Hotels in the World)
- Use of a two-seater electric gold buggy for duration of stay
- Sailing trip through the Whitsunday Islands
...And more! T&Cs apply.
All you have to do is purchase a policy between 12.01am AEDT on 2nd December 2024 and 11.59pm AEDT on 13th January 2025 to automatically to into the draw for your chance to win. See promotional page.
A "10% Off Discount" applies to Comprehensive, Medical and Domestic policies purchased between 12.01am AEDT on 25th November 2024 and 11.59pm AEDT on 1st December 2024. Note that only one discount applies at any one time. All discounts apply to the travel insurance premium (including GST and stamp duty but excluding any additional premium payable for Pre-Existing Medical Conditions). Discounts cannot be used in conjunction with any other offer. Discounts have no cash or refund value, except when redeemed in accordance with these terms and conditions. Discounts cannot be applied to any policies already purchased. The decision to offer a discount is at the sole discretion of 1Cover Travel Insurance. We reserve the right to withdraw any discount offers without notice. See promotional page.
The promotion 1. Information on how to enter the “$10,000 flight voucher giveaway” promotion (“Promotion”) and the prizes form part of these Terms and Conditions. Participation in this Promotion is deemed acceptance of these Terms and Conditions.
2. The $10,000 flight voucher Promotion is promoted by 1Cover Pty Ltd (1Cover) ABN 91 105 954 265), an Authorised Representative of Coffre-Fort Pty Ltd ABN 66 125 358 518 AFS License No 472457 located at Level 1, 332 Kent Street, Sydney, NSW, 2000
3. This Promotion commences at 00:01am AEST on 01/10/2024 and final entries close at 11:59pm AEST on 15/11/2024 (“Promotional Period”). Entry terms 4. Entry is only open to residents of Australia aged 18 years or over
5. Employees (and their immediate families) of the Promoter and agencies associated with this Promotion are ineligible to enter. Immediate family means any of the following: spouse, ex-spouse, de-facto spouse, child or step-child (whether natural or by adoption), parent, step-parent, grandparent, step-grandparent, uncle, aunt, niece, nephew, brother, sister, step-brother, step-sister or 1st cousin.
6. To enter, individuals must complete the following steps during the Promotional Period:
a. Purchase any Eligible Product in Australia during the Promotional Period.
b. Eligible product means a 1Cover travel insurance policy purchased during the Promotional period.
7. Valid entries:
a. Incomplete or indecipherable entries will be deemed invalid.
b. If an individual instructs cancellation of their travel insurance policy, their entry will immediately be removed from the competition and they will no longer be eligible to win unless they purchase another Eligible Product.
8. Multiple entries permitted, subject to the following:
a. Only one (1) entry permitted per Eligible Product purchased; and
b. A maximum of one (1) prize per region Australia
c. South Australian residents are except from this clause.
9. The Promoter reserves the right, at any time, to verify the validity of entries and entrants (including an entrant’s identity, age and place of residence) and reserves the right, in its sole discretion, to disqualify any individual who the Promoter has reason to believe has breached any of these Terms and Conditions, tampered with the entry process engaged in any unlawful or other improper misconduct calculated to jeopardise fair and proper conduct of the Promotion. Errors and omissions may be accepted at the Promoter’s discretion. Failure by the Promoter to enforce any of its rights at any stage does not constitute a waiver of those rights. The Promoter’s legal rights to recover damages or other compensation from such an offender are reserved.
10. If there is a dispute as to the identity of an entrant, the Promoter reserves the right, in its sole discretion, to determine the identity of the entrant. Prize & draw 11. There will be one (1) draw conducted. Valid entries into the draw will be selected between Promotional Period open and close based on Australian Eastern Standard Time (AEST).
12. The draw will take place at Level 1, 332 Kent Street, Sydney, NSW, 2000 on 18/11/24 at 11:00am AEST. In the event that an invalid or ineligible entrant is drawn, The Promoter may draw additional reserve entries and record them in order.
13. The Winner will be notified by email and phone within two (2) business days of the relevant draw.
14. The Promoter’s decision is final and no correspondence will be entered into.
15. The Promotion is provided by Experiencegift B.V. The Winner will win a $10,000 AUD flight gift voucher redeemable at https://www.flightgift.com which has access to flights from 400 different airlines and 980 global destinations. Experiencegift B.V. is responsible for the fulfillment and booking of chosen flights.
16. It is not possible to redeem your flight gift voucher for funds or cash payments. All flights must be booked via the https://www.flightgift.com website only. To redeem, just pick a flight and pay using your unique gift voucher code.
17. The flight gift vouchers are valid for two years from the date the Winner has been announced.
18.Flight gift vouchers are redeemable for all flights that show availability at https://www.flightgift.com at your selected dates and destination. It is not possible to make your booking and redeem your Flight gift voucher directly with the airline. When making a booking at https://www.flightgift.com, the Flight gift voucher value will be deducted from the amount payable. If the Flight gift voucher is not used in full at once, the remainder stays valid for another booking. If the booking is more expensive than the Flight gift voucher, the remainder can be paid for by online payment. One Flight gift voucher can be used per booking. See full terms and conditions. https://www.flightgift.com/en/terms-conditions/
19. Subject to the unclaimed prize draw Clause 21, if for any reason a winner does not take a prize (or part of a prize) within (3) months of the draw, then the prize (or that part of the prize) will be forfeited.
20. The transfer of the prize will happen after the Winner’s policy has completed the cooling off period.
21. If the prize (or part of any prize) is unavailable, the Promoter, in its discretion, reserves the right to substitute the prize (or that part of the prize) with a prize to the equal value and/or specification, subject to any written directions from a regulatory authority.
22. Prizes, or any unused portion of a prize, are not transferable or exchangeable and cannot be taken as cash, unless specified otherwise.
23. If any prize(s) remain unclaimed within three (3) months of the draw, a re-draw for any such prizes will take place three (3) months after the initial draw at the same place as the original draws, subject to any directions from a regulatory authority. Winners, if any, will be notified by email and telephone within (2) business days of the unclaimed prize draw and their names will be published online at www.1Cover.com.au. 1Cover’s Liability
24. 1Cover has:
-No liability for any act, omission or default, whether negligent or otherwise of any travel provider or any other third party.
-No liability for any loss or damage occasioned by any negligent act or omission of any travel provider or third party.
-Where 1Cover’s liability cannot be excluded, such liability is limited to the value of the travel gift voucher.
-1Cover or Experiencegift B.V. are not liable for any claims or complaints about the flight or the airline. General Please note all unclaimed prizes are dealt with in accordance with Lotteries Regulations 2021 (legislation.sa.gov.au).
25. Entrants consent to the Promoter using their name, likeness, image and/or voice in the event they are a winner (including photograph, film and/or recording of the same) in any media for an unlimited period without remuneration for the purpose of promoting this Promotion (including any outcome), and promoting any products manufactured, distributed and/or supplied by the Promoter.
26. If this Promotion is interfered with in any way or is not capable of being conducted as reasonably anticipated due to any reason beyond the reasonable control of the Promoter, including but not limited to technical difficulties, unauthorised intervention or fraud, the Promoter reserves the right, in its sole discretion, to the fullest extent permitted by law: (a) to disqualify any entrant; or (b) subject to any written directions from a regulatory authority, to modify, suspend, terminate or cancel the Promotion, as appropriate.
27. Nothing in these Terms and Conditions limits, excludes or modifies or purports to limit, exclude or modify the statutory consumer guarantees as provided under the Competition and continue sentence Consumer Act, as well as any other implied warranties under the ASIC Act or similar consumer protection laws in the States and Territories of Australia or any statutory consumer guarantees as provided under consumer protection laws in New Zealand (“Non-Excludable Guarantees”). Except for any liability that cannot by law be excluded, including the Non-Excludable Guarantees, the Promoter (including its respective officers, employees and agents) excludes all liability (including negligence), for any personal injury; or any loss or damage (including loss of opportunity); whether direct, indirect, special or consequential, arising in any way out of the Promotion.
28. Except for any liability that cannot by law be excluded, including the Non-Excludable Guarantees, the Promoter (including its respective officers, employees and agents) and its prize suppliers are not responsible for and excludes all liability (including negligence), for any personal injury; or any loss or damage (including loss of opportunity); whether direct, indirect, special or consequential, arising in any way out of: (a) any technical difficulties or equipment malfunction (whether or not under the Promoter’s control); (b) any theft, unauthorised access or third party interference; (c) any entry or prize claim that is late, lost, altered, damaged or misdirected (whether or not after their receipt by the Promoter) due to any reason beyond the reasonable control of the Promoter; (d) any variation in prize value to that stated in these Terms and Conditions; (e) any tax liability incurred by a winner or entrant; or (f) taking/use of and/or participation in a prize.
29. The Promoter collects personal information (“data”) in order to conduct the Promotion and may, for this purpose, disclose such data to third parties, including but not limited to agents, contractors, service providers, prize suppliers and, as required, to Australian or New Zealand regulatory authorities. Entry is conditional on providing this data. The Promoter will also use and handle data as set out in their Privacy Policy, . which can be viewed at https://www.1cover.com.au/privacy (for Australian residents. In addition to any use that may be outlined in their Privacy Policy, the Promoter may, for an indefinite period, unless otherwise advised, use the data for promotional, marketing, publicity, research and profiling purposes, including sending electronic messages or telephoning the entrants. The Privacy Policy also contains information about how entrants may opt out, access, update or correct their data, how entrants may complain about a breach of the Privacy Act, report a data breach, or any other applicable law and how those complaints will be dealt with. All entries become the property of the Promoter. Unless otherwise indicated by the Promoter, the Promoter may disclose personal information to entities outside of Australia (see the Promoter’s Privacy Policy for details).
30. The laws of Australia apply to this promotion to the exclusion of any other law. Entrants submit to the exclusive jurisdiction of the courts of Australia.
31. Licence numbers: NSW: TP/03503 | ACT: TP 24/00987 | SA Permit: T24/766
See promotional page.
A "10% Off Discount" applies to Comprehensive, Medical and Domestic policies purchased between 12.01am on Sunday 1st September and 11.59pm on Sunday 8th September. Note that only one discount applies at any one time. All discounts apply to the travel insurance premium (including GST and stamp duty but excluding any additional premium payable for Pre-Existing Medical Conditions). Discounts cannot be used in conjunction with any other offer. Discounts have no cash or refund value, except when redeemed in accordance with these terms and conditions. Discounts cannot be applied to any policies already purchased. The decision to offer a discount is at the sole discretion of 1Cover Travel Insurance. We reserve the right to withdraw any discount offers without notice. See promotional page.
1. Information on how to enter the August '$10k holiday Giveaway” promotion (“Promotion”) and the prizes form part of these Terms and Conditions. Participation in this Promotion is deemed acceptance of these Terms and Conditions.
2. The promoter is 1Cover Pty Ltd (ABN 91 105 954 265), an Authorised Representative of Coffre-Fort Pty Ltd ABN 66 125 358 518 AFS License No 472457 located at Level 1, 332 Kent Street, Sydney, NSW, 2000
3. Entry is only open to residents of Australia aged 18 years or over
4. Employees (and their immediate families) of the Promoter and agencies associated with this Promotion are ineligible to enter. Immediate family means any of the following: spouse, ex-spouse, de-facto spouse, child or step-child (whether natural or by adoption), parent, step-parent, grandparent, step-grandparent, uncle, aunt, niece, nephew, brother, sister, step-brother, step-sister or 1st cousin.
5. This Promotion commences at 00:01am AEST on 01/08/2024 and final entries close at 11:59pm AEST on 31/08/2024 (“Promotional Period”).
6. To enter, individuals must complete the following steps during the Promotional Period:
a. Purchase any Eligible Product in Australia during the Promotional Period.
b. Eligible product means a 1Cover travel insurance policy purchased during the Promotional period.
7. Valid entries:
a. Incomplete or indecipherable entries will be deemed invalid.
b. If an individual instructs cancellation of their travel insurance policy, their entry will immediately be removed from the competition and they will no longer be eligible to win unless they purchase another Eligible Product.
8. Multiple entries permitted, subject to the following:
a. Only one (1) entry permitted per Eligible Product purchased; and
b. A maximum of one (1) prize per region Australia
c. South Australian residents are except from this clause.
9. The Promoter reserves the right, at any time, to verify the validity of entries and entrants (including an entrant’s identity, age and place of residence) and reserves the right, in its sole discretion, to disqualify any individual who the Promoter has reason to believe has breached any of these Terms and Conditions, tampered with the entry process engaged in any unlawful or other improper misconduct calculated to jeopardise fair and proper conduct of the Promotion. Errors and omissions may be accepted at the Promoter’s discretion. Failure by the Promoter to enforce any of its rights at any stage does not constitute a waiver of those rights. The Promoter’s legal rights to recover damages or other compensation from such an offender are reserved.
10. If there is a dispute as to the identity of an entrant, the Promoter reserves the right, in its sole discretion, to determine the identity of the entrant.
11. There will be one (1) draw conducted. Valid entries into the draw will be selected between Promotional Period open and close based on Australian Eastern Standard Time (AEST).
12. The draw will take place at Level 1, 332 Kent Street, Sydney, NSW, 2000 on 02/10/24 at 11:00am AEST. In the event that an invalid or ineligible entrant is drawn, The Promoter may draw additional reserve entries and record them in order.
13. The Winner will be notified by email and phone within two (2) business days of the relevant draw.
14. The Promoter’s decision is final and no correspondence will be entered into.
15. For Australia, the Winner will win AUD$10,000, awarded to the winner being the named holder of the Eligible Product and sent to the nominated bank account in the winner’s name via an electronic funds transfer. 16. Subject to the unclaimed prize draw Clause 21, if for any reason a winner does not take a prize (or part of a prize) within (3) months of the draw, then the prize (or that part of the prize) will be forfeited.
17. The transfer of the prize will happen after their cooling off period has ended and within 30 days of the draw subject to the correct bank account details being supplied.
18. If the prize (or part of any prize) is unavailable, the Promoter, in its discretion, reserves the right to substitute the prize (or that part of the prize) with a prize to the equal value and/or specification, subject to any written directions from a regulatory authority.
19. Total prize pool value is up to AU$10,000
20. Prizes, or any unused portion of a prize, are not transferable or exchangeable and cannot be taken as cash, unless specified otherwise.
21. If any prize(s) remain unclaimed within three (3) months of the draw, a re-draw for any such prizes will take place three (3) months after the initial draw at the same place as the original draws, subject to any directions from a regulatory authority. Winners, if any, will be notified by email and telephone within (2) business days of the unclaimed prize draw and their names will be published online at www.1Cover.com.au.
Please note all unclaimed prizes are dealt with in accordance with Lotteries Regulations 2021 (legislation.sa.gov.au).
22. Entrants consent to the Promoter using their name, likeness, image and/or voice in the event they are a winner (including photograph, film and/or recording of the same) in any media for an unlimited period without remuneration for the purpose of promoting this Promotion (including any outcome), and promoting any products manufactured, distributed and/or supplied by the Promoter.
23. If this Promotion is interfered with in any way or is not capable of being conducted as reasonably anticipated due to any reason beyond the reasonable control of the Promoter, including but not limited to technical difficulties, unauthorised intervention or fraud, the Promoter reserves the right, in its sole discretion, to the fullest extent permitted by law: (a) to disqualify any entrant; or (b) subject to any written directions from a regulatory authority, to modify, suspend, terminate or cancel the Promotion, as appropriate.
24. Nothing in these Terms and Conditions limits, excludes or modifies or purports to limit, exclude or modify the statutory consumer guarantees as provided under the Competition and continue sentence Consumer Act, as well as any other implied warranties under the ASIC Act or similar consumer protection laws in the States and Territories of Australia or any statutory consumer guarantees as provided under consumer protection laws in New Zealand (“Non-Excludable Guarantees”). Except for any liability that cannot by law be excluded, including the Non-Excludable Guarantees, the Promoter (including its respective officers, employees and agents) excludes all liability (including negligence), for any personal injury; or any loss or damage (including loss of opportunity); whether direct, indirect, special or consequential, arising in any way out of the Promotion.
25. Except for any liability that cannot by law be excluded, including the Non-Excludable Guarantees, the Promoter (including its respective officers, employees and agents) and its prize suppliers are not responsible for and excludes all liability (including negligence), for any personal injury; or any loss or damage (including loss of opportunity); whether direct, indirect, special or consequential, arising in any way out of: (a) any technical difficulties or equipment malfunction (whether or not under the Promoter’s control); (b) any theft, unauthorised access or third party interference; (c) any entry or prize claim that is late, lost, altered, damaged or misdirected (whether or not after their receipt by the Promoter) due to any reason beyond the reasonable control of the Promoter; (d) any variation in prize value to that stated in these Terms and Conditions; (e) any tax liability incurred by a winner or entrant; or (f) taking/use of and/or participation in a prize.
26. The Promoter collects personal information (“data”) in order to conduct the Promotion and may, for this purpose, disclose such data to third parties, including but not limited to agents, contractors, service providers, prize suppliers and, as required, to Australian or New Zealand regulatory authorities. Entry is conditional on providing this data. The Promoter will also use and handle data as set out in their Privacy Policy, . which can be viewed at https://www.1cover.com.au/privacy (for Australian residents. In addition to any use that may be outlined in their Privacy Policy, the Promoter may, for an indefinite period, unless otherwise advised, use the data for promotional, marketing, publicity, research and profiling purposes, including sending electronic messages or telephoning the entrants. The Privacy Policy also contains information about how entrants may opt out, access, update or correct their data, how entrants may complain about a breach of the Privacy Act, report a data breach, or any other applicable law and how those complaints will be dealt with. All entries become the property of the Promoter. Unless otherwise indicated by the Promoter, the Promoter may disclose personal information to entities outside of Australia (see the Promoter’s Privacy Policy for details).
27. The laws of Australia apply to this promotion to the exclusion of any other law. Entrants submit to the exclusive jurisdiction of the courts of Australia. 28. Licence numbers:
NSW: TP/03503
ACT: TP 24/00987
SA Permit: T24/766
1. Information on how to enter the “July Suitcases” promotion (“Promotion”) and the prizes form part of these Terms and Conditions. Participation in this Promotion is deemed acceptance of these Terms and Conditions. 2. The promoter is 1Cover Pty Ltd (ABN 91 105 954 265), an Authorised Representative of Coffre-Fort Pty Ltd ABN 66 125 358 518 AFS License No 472457 located at Level 1, 332 Kent Street, Sydney, NSW, 2000 3. Entry is only open to residents of Australia aged 18 years or over. 4. Employees (and their immediate families) of the Promoter and agencies associated with this Promotion are ineligible to enter. Immediate family means any of the following: spouse, ex-spouse, de-facto spouse, child or step-child (whether natural or by adoption), parent, step-parent, grandparent, step-grandparent, uncle, aunt, niece, nephew, brother, sister, step-brother, step-sister or 1st cousin. 5. This Promotion commences at 00:01am AEST on 01/07/2024 and final entries close at 11:59pm AEST on 31/07/2024 (“Promotional Period”). 6. To enter, individuals must complete the following steps during the Promotional Period: a. Purchase any Eligible Product in Australia during the Promotional Period. b. Eligible product means a 1Cover travel insurance policy purchased during the Promotional period. 7. Valid entries: a. Incomplete or indecipherable entries will be deemed invalid. b. If an individual instructs cancellation of their travel insurance policy, their entry will immediately be removed from the competition and they will no longer be eligible to win unless they purchase another Eligible Product. 8. Multiple entries permitted, subject to the following: a. Only one (1) entry permitted per Eligible Product purchased; and b. A maximum of one (1) prize per region Australia c. South Australian residents are except from this clause. 9. The Promoter reserves the right, at any time, to verify the validity of entries and entrants (including an entrant’s identity, age and place of residence) and reserves the right, in its sole discretion, to disqualify any individual who the Promoter has reason to believe has breached any of these Terms and Conditions, tampered with the entry process engaged in any unlawful or other improper misconduct calculated to jeopardise fair and proper conduct of the Promotion. Errors and omissions may be accepted at the Promoter’s discretion. Failure by the Promoter to enforce any of its rights at any stage does not constitute a waiver of those rights. The Promoter’s legal rights to recover damages or other compensation from such an offender are reserved. 10. If there is a dispute as to the identity of an entrant, the Promoter reserves the right, in its sole discretion, to determine the identity of the entrant. 11. The draw will take place at Level 1, 332 Kent Sydney, NSW, 2000 at 11:00am AEST/AEDST (as applicable) on 02/08/2024. The Promoter may draw additional reserve entries in each draw and record them in order in case an invalid entry or ineligible entrant is drawn. 12. Winners will be notified by email within two (2) business days from the draw, and their names will be published on our social media channels 13. The Promoter’s decision is final and no correspondence will be entered into. 14. One entrant to the Prize Draw will win 1 Classic Family set of JULY suitcases worth $1,125. 15. Subject to the unclaimed prize draw clause, if for any reason a winner does not take a prize (or part of a prize) at/by the time stipulated by the Promoter, then the prize (or that part of the prize) will be forfeited. 16. The transfer of the prize will happen after their cooling off period has ended and within 30 days of the draw subject to the correct bank account details being supplied. 17. If any prize (or part of any prize) is unavailable, the Promoter, in its discretion, reserves the right to substitute the prize (or that part of the prize) with a prize to the equal value and/or specification, subject to any written directions from a regulatory authority. 18. Total prize pool value is up to AU$1,125 NZ $1,425 19. Prizes, or any unused portion of a prize, are not transferable or exchangeable and cannot be taken as cash, unless specified otherwise. 20. If any prize(s) remain unclaimed within (5) business day of draw, a re-draw for any such prizes will take place on the 6th day after the initial draw at the same place as the original draws, subject to any directions from a regulatory authority. Winners, if any, will be notified by email and telephone within three (3) business days of the unclaimed prize draw. 21. Entrants consent to the Promoter using their name, likeness, image and/or voice in the event they are a winner (including photograph, film and/or recording of the same) in any media for an unlimited period without remuneration for the purpose of promoting this Promotion (including any outcome), and promoting any products manufactured, distributed and/or supplied by the Promoter. Please note all unclaimed prizes are dealt with in accordance with Lotteries Regulations 2021 (legislation.sa.gov.au). 22. If this Promotion is interfered with in any way or is not capable of being conducted as reasonably anticipated due to any reason beyond the reasonable control of the Promoter, including but not limited to technical difficulties, unauthorised intervention or fraud, the Promoter reserves the right, in its sole discretion, to the fullest extent permitted by law: (a) to disqualify any entrant; or (b) subject to any written directions from a regulatory authority, to modify, suspend, terminate or cancel the Promotion, as appropriate. 23. Nothing in these Terms and Conditions limits, excludes or modifies or purports to limit, exclude or modify the statutory consumer guarantees as provided under the Competition and Consumer Act, as well as any other implied warranties under the ASIC Act or similar consumer protection laws in the States and Territories of Australia or any statutory consumer guarantees as provided under consumer protection laws in New Zealand (“Non-Excludable Guarantees”). Except for any liability that cannot by law be excluded, including the Non-Excludable Guarantees, the Promoter (including its respective officers, employees and agents) excludes all liability (including negligence), for any personal injury; or any loss or damage (including loss of opportunity); whether direct, indirect, special or consequential, arising in any way out of the Promotion. 24. Except for any liability that cannot by law be excluded, including the Non-Excludable Guarantees, the Promoter (including its respective officers, employees and agents) and its prize suppliers are not responsible for and excludes all liability (including negligence), for any personal injury; or any loss or damage (including loss of opportunity); whether direct, indirect, special or consequential, arising in any way out of: (a) any technical difficulties or equipment malfunction (whether or not under the Promoter’s control); (b) any theft, unauthorised access or third party interference; (c) any entry or prize claim that is late, lost, altered, damaged or misdirected (whether or not after their receipt by the Promoter) due to any reason beyond the reasonable control of the Promoter; (d) any variation in prize value to that stated in these Terms and Conditions; (e) any tax liability incurred by a winner or entrant; or (f) taking/use of and/or participation in a prize. 25. The Promoter collects personal information ("PI") in order to conduct the Promotion and may, for this purpose, disclose such PI to third parties, including but not limited to agents, contractors, service providers, prize suppliers and, as required, to Australian or New Zealand regulatory authorities. Entry is conditional on providing this PI. The Promoter will also use and handle PI as set out in their Privacy Policy, which can be viewed at https://www.1cover.com.au/privacy (for Australian residents). In addition to any use that may be outlined in their Privacy Policy, the Promoter may, for an indefinite period, unless otherwise advised, use the PI for promotional, marketing, publicity, research and profiling purposes, including sending electronic messages or telephoning the entrants. The Privacy Policy also contains information about how entrants may opt out, access, update or correct their PI, how entrants may complain about a breach of the Australian Privacy Principles or any other applicable law and how those complaints will be dealt with. All entries become the property of the Promoter. Unless otherwise indicated by the Promoter, the Promoter may disclose personal information to entities outside of Australia (see the Promoter’s Privacy Policy for details). 26. The laws of Australia apply to this promotion to the exclusion of any other law. Entrants submit to the exclusive jurisdiction of the courts of Australia. Licence numbers: NSW: TP/03503 ACT: TP 24/00987 SA Permit: T24/766
1. Information on how to enter the June “Daily Dollars” promotion (“Promotion”) and the prizes form part of these Terms and Conditions. Participation in this Promotion is deemed acceptance of these Terms and Conditions. 2. The promoter is 1Cover Pty Ltd (ABN 91 105 954 265), an Authorised Representative of Coffre-Fort Pty Ltd ABN 66 125 358 518 AFS License No 472457 located at Level 1, 332 Kent Street, Sydney, NSW, 2000 3. Entry is only open to residents of Australia aged 18 years or over 4. Employees (and their immediate families) of the Promoter and agencies associated with this Promotion are ineligible to enter. Immediate family means any of the following: spouse, ex-spouse, de-facto spouse, child or step-child (whether natural or by adoption), parent, step-parent, grandparent, step-grandparent, uncle, aunt, niece, nephew, brother, sister, step-brother, step-sister or 1st cousin. 5. This Promotion commences at 00:01am AEST on 01/06/2024 and final entries close at 11:59pm AEST on 30/06/2024 (“Promotional Period”). 6. To enter, individuals must complete the following steps during the Promotional Period: a. Purchase any Eligible Product in Australia during the Promotional Period. b. Eligible product means a 1Cover travel insurance policy purchased during the Promotional period. 7. Valid entries: a. Incomplete or indecipherable entries will be deemed invalid. b. If an individual instructs cancellation of their travel insurance policy, their entry will immediately be removed from the competition and they will no longer be eligible to win unless they purchase another Eligible Product. 8. Multiple entries permitted, subject to the following: a. Only one (1) entry permitted per Eligible Product purchased; and b. A maximum of one (1) prize per region Australia c. South Australian residents are except from this clause. 9. The Promoter reserves the right, at any time, to verify the validity of entries and entrants (including an entrant’s identity, age and place of residence) and reserves the right, in its sole discretion, to disqualify any individual who the Promoter has reason to believe has breached any of these Terms and Conditions, tampered with the entry process engaged in any unlawful or other improper misconduct calculated to jeopardise fair and proper conduct of the Promotion. Errors and omissions may be accepted at the Promoter’s discretion. Failure by the Promoter to enforce any of its rights at any stage does not constitute a waiver of those rights. The Promoter’s legal rights to recover damages or other compensation from such an offender are reserved. 10. If there is a dispute as to the identity of an entrant, the Promoter reserves the right, in its sole discretion, to determine the identity of the entrant. 11. There will be one (1) draw conducted for the entries received up to that date of the Promotional Period (each a “Daily Draw”), for a total of thirty-one (30) Daily Draws. Valid entries into the draw will be selected between Promotional Period open and close based on Australian Eastern Standard Time (AEST). 12. All draws will take place at Level 1, 332 Kent Street, Sydney, NSW, 2000 at 11:00am AEST. Each Daily Draw will take place on the next day after entries close for that Daily Draw, with the first Daily Draw taking place on 02/06/2024, and the last Daily Draw taking place on 01/07/2024. In the event that an invalid or ineligible entrant is drawn, The Promoter may draw additional reserve entries and record them in order. 13. Winners will be notified by email and phone within two (2) business days of the relevant draw. 14. The Promoter’s decision is final and no correspondence will be entered into. 15. For Australia, the first valid entry drawn in each Daily Draw will win AUD$1,000, awarded to the winner being the named holder of the Eligible Product and sent to the nominated bank account in the winner’s name via an electronic funds transfer. For the sake of clarity, Australian winners will receive AUD$1,000. 16. Subject to the unclaimed prize draw Clause 21, if for any reason a winner does not take a prize (or part of a prize) within (3) months of the draw, then the prize (or that part of the prize) will be forfeited. 17. The transfer of the prize will happen after their cooling off period has ended and within 30 days of the draw subject to the correct bank account details being supplied. 18. If the prize (or part of any prize) is unavailable, the Promoter, in its discretion, reserves the right to substitute the prize (or that part of the prize) with a prize to the equal value and/or specification, subject to any written directions from a regulatory authority. 19. Total prize pool value is up to AU$30,000 . 20. Prizes, or any unused portion of a prize, are not transferable or exchangeable and cannot be taken as cash, unless specified otherwise. 21. If any prize(s) remain unclaimed within three (3) months of the draw, a re-draw for any such prizes will take place three (3) months after the initial draw at the same place as the original draws, subject to any directions from a regulatory authority. Winners, if any, will be notified by email and telephone within (2) business days of the unclaimed prize draw and their names will be published online at www.1Cover.com.au. Please note all unclaimed prizes are dealt with in accordance with Lotteries Regulations 2021 (legislation.sa.gov.au). 22. Entrants consent to the Promoter using their name, likeness, image and/or voice in the event they are a winner (including photograph, film and/or recording of the same) in any media for an unlimited period without remuneration for the purpose of promoting this Promotion (including any outcome), and promoting any products manufactured, distributed and/or supplied by the Promoter. 23. If this Promotion is interfered with in any way or is not capable of being conducted as reasonably anticipated due to any reason beyond the reasonable control of the Promoter, including but not limited to technical difficulties, unauthorised intervention or fraud, the Promoter reserves the right, in its sole discretion, to the fullest extent permitted by law: (a) to disqualify any entrant; or (b) subject to any written directions from a regulatory authority, to modify, suspend, terminate or cancel the Promotion, as appropriate. 24. Nothing in these Terms and Conditions limits, excludes or modifies or purports to limit, exclude or modify the statutory consumer guarantees as provided under the Competition and continue sentence Consumer Act, as well as any other implied warranties under the ASIC Act or similar consumer protection laws in the States and Territories of Australia or any statutory consumer guarantees as provided under consumer protection laws in New Zealand (“Non-Excludable Guarantees”). Except for any liability that cannot by law be excluded, including the Non-Excludable Guarantees, the Promoter (including its respective officers, employees and agents) excludes all liability (including negligence), for any personal injury; or any loss or damage (including loss of opportunity); whether direct, indirect, special or consequential, arising in any way out of the Promotion. 25. Except for any liability that cannot by law be excluded, including the Non-Excludable Guarantees, the Promoter (including its respective officers, employees and agents) and its prize suppliers are not responsible for and excludes all liability (including negligence), for any personal injury; or any loss or damage (including loss of opportunity); whether direct, indirect, special or consequential, arising in any way out of: (a) any technical difficulties or equipment malfunction (whether or not under the Promoter’s control); (b) any theft, unauthorised access or third party interference; (c) any entry or prize claim that is late, lost, altered, damaged or misdirected (whether or not after their receipt by the Promoter) due to any reason beyond the reasonable control of the Promoter; (d) any variation in prize value to that stated in these Terms and Conditions; (e) any tax liability incurred by a winner or entrant; or (f) taking/use of and/or participation in a prize. 26. The Promoter collects personal information (“data”) in order to conduct the Promotion and may, for this purpose, disclose such data to third parties, including but not limited to agents, contractors, service providers, prize suppliers and, as required, to Australian or New Zealand regulatory authorities. Entry is conditional on providing this data. The Promoter will also use and handle data as set out in their Privacy Policy, . which can be viewed at https://www.1cover.com.au/privacy (for Australian residents. In addition to any use that may be outlined in their Privacy Policy, the Promoter may, for an indefinite period, unless otherwise advised, use the data for promotional, marketing, publicity, research and profiling purposes, including sending electronic messages or telephoning the entrants. The Privacy Policy also contains information about how entrants may opt out, access, update or correct their data, how entrants may complain about a breach of the Privacy Act, report a data breach, or any other applicable law and how those complaints will be dealt with. All entries become the property of the Promoter. Unless otherwise indicated by the Promoter, the Promoter may disclose personal information to entities outside of Australia (see the Promoter’s Privacy Policy for details). 27. The laws of Australia apply to this promotion to the exclusion of any other law. Entrants submit to the exclusive jurisdiction of the courts of Australia. 28. Licence numbers: NSW: TP/03503 ACT: TP 24/00987 SA Permit: T24/766
*A "10% Off Discount" applies to Comprehensive, Medical and Domestic policies purchased between 12:00am on 18th March 2024 and Midnight on 14th April 2024. Note that only one discount applies at any one time. All discounts apply to the travel insurance premium (including GST and stamp duty but excluding any additional premium payable for Pre-Existing Medical Conditions). Discounts cannot be used in conjunction with any other offer. Discounts have no cash or refund value, except when redeemed in accordance with these terms and conditions. Discounts cannot be applied to any policies already purchased. The decision to offer a discount is at the sole discretion of 1Cover Travel Insurance. We reserve the right to withdraw any discount offers without notice. .
A "10% Off Discount" applies to Comprehensive, Medical, Essentials, and Domestic policies only, purchased from 02/03/2020 and ongoing until midnight on 31/03/2020. Note that only one discount applies at any one time. All discounts apply to the travel insurance premium (including GST and stamp duty but excluding any additional premium payable for a Pre-Existing Medical Condition). Discounts cannot be used in conjunction with any other offer. Discounts have no cash or refund value, except when redeemed in accordance with these terms and conditions. Discounts cannot be applied to any policies already purchased. The decision to offer a discount is at the sole discretion of 1Cover Travel Insurance. We reserve the right to withdraw any discount offers without notice. Before you buy a policy, please read the Product Disclosure Statement for full terms and conditions to ensure that the particular policy meets your particular needs.
This promotion is provided by 1Cover Pty Ltd (1Cover).
If you participate in the ‘$5K Cash Splash Giveaway Promotion’, these terms and conditions apply. Participation in this Promotion is deemed acceptance of these Terms and Conditions.
Rules of the Promotion:
1. This Promotion commences at 00:01am AEDT on 20/01/2020 and final entries close at 11:59pm AEDT on 29/02/2020 (“Promotional Period”).
2. There will be one (1) draw conducted for Australia and New Zealand. Entries are only valid if made between the opening and closing times of the Promotional Period, based on Australian Eastern Daylight Savings Time (AEDT).
3. The draw will take place at Level 12, 338 Pitt Street, Sydney, NSW, 2000 at 11:00am AEDT on 02/03/2020. In the event that an invalid or ineligible entrant is drawn, 1Cover may draw additional reserve entries and record them in order.
4. Entry is only open to residents of Australia and New Zealand aged 18 years or over.
5. To enter, individuals must complete the following steps during the Promotional Period: a. Purchase any Eligible Product in the regions of Australia and New Zealand during the Promotional Period. b. Eligible product means a 1Cover travel insurance policy.
6. Only one (1) entry permitted per Eligible Product purchased and a maximum of one (1) prize available between Australia and New Zealand regions.
7. Employees of 1Cover (and their immediate families) of 1Cover and entities associated with this Promotion are ineligible to enter.
8. Valid entries a. Incomplete or indecipherable entries will be deemed invalid; b. If an entrant instructs cancellation of their travel insurance policy, their entry will immediately be removed from the competition and they will no longer be eligible to win unless they purchase another Eligible Product.
9. The winner of the draw will be notified by email within two (2) business days of the draw to claim the prize, and their names will be published online at www.1Cover.com.au, www.1Cover.co.nz and any relevant social media platform.
10. 1Cover’s decision is final and is at 1Cover’s discretion.
The Prize:
11. In the event any prize(s) remains unclaimed within three (3) months of the draw, a re-draw will take place will take place at Level 12, 338 Pitt Street, Sydney, NSW, 2000 at 11:00am on 02/06/2020 AEDT. In the event that an invalid or ineligible entrant is drawn, the Promoter may draw additional reserve entries and record them in order. The winner, if any, will be notified by email and telephone within two (2) business days of the unclaimed prize draw and their names will be published online at www.1Cover.com.au or www.1Cover.co.nz.
12. The total value of the cash prize is AUD $5,000 or NZD $5,000.
13. Prizes, or any unused portion of a prize, are not transferable or exchangeable and cannot be taken as cash, unless specified otherwise.
14. Cash prize awarded to the winner will be sent to the nominated bank account in the winner’s name via an electronic funds transfer.
15. The electronic transfer of the prize will happen within 30 days of the draw subject to the correct bank account details being supplied.
16. In the event that an entrant wins the Prize, the entrant consents to 1Cover using their name, photograph, video recording, in any media forum for an unlimited period without remuneration for the purpose of promoting this Promotion (including any outcome) and promoting any products issued and services provided, distributed and/or supplied by 1Cover.
1Cover’s Liability:
17. If this Promotion is interfered with in any way or is not capable of being conducted as reasonably anticipated due to any reason beyond the reasonable control of 1Cover, including but not limited to technical difficulties, unauthorised intervention or fraud, 1Cover reserves the right, in its sole discretion, to the fullest extent permitted by law: a. to disqualify any entrant; or b. subject to any written directions from a regulatory authority, to modify, suspend, terminate or cancel the Promotion or Prize, at its sole discretion.
18. 1Cover reserves the right, at any time, to verify the validity of entries and entrants (including an entrant’s identity, age and place of residence) and reserves the right, in its sole discretion, to disqualify any individual who 1Cover has reason to believe has breached any of these Terms and Conditions, tampered with the entry process, engaged in any unlawful or other improper misconduct which jeopardises or is likely to jeopardise the fair and proper conduct of the Promotion.
19. 1Cover collects personal information in order to conduct the Promotion and may, for this purpose, disclose such data to third parties, including but not limited to agents, contractors, service providers, prize suppliers. Any disclosure of personal information will be in accordance with the 1Cover Privacy Policy. which can be viewed at https://www.1cover.com.au/privacy (for Australian residents) or https://www.1cover.co.nz/privacy (for New Zealand residents).
20. In accordance with the 1Cover Privacy Policy, from time to time, may use your contact details to send you direct marketing communications including offers, updates and newsletters that are relevant to the services we provide. We always give you the option of electing not to receive these communications in the future. You can unsubscribe by notifying us and we will no longer send these communications to you.
21. All entries become the property of 1Cover. Unless otherwise indicated by 1Cover, 1Cover may disclose personal information to entities outside of Australia in accordance with its Privacy Policy.
22. 1Cover may use social media platforms such as Facebook and/or Instagram to advertise or promote the Promotion. This 1Cover Promotion is in no way sponsored, endorsed or administered by, or associated with Facebook or Instagram. Any questions, comments or complaints regarding the Promotion should be directed to the Promoter and not Facebook or Instagram.
About 1Cover AU & NZ:
23. 1Cover Pty Ltd (ABN 91 105 954 265) is an Authorised Representative of: Coffre-Fort Pty Ltd (ABN 66 125 358518), Australian Financial Service Licence No 472457, located at Level 12, 338 Pitt Street, Sydney, NSW, 2000. 1Cover NZ Ltd, (Company No. 1588084), Financial Service Provider License 472306.
This promotion is provided by 1Cover Pty Ltd (1Cover).
If you participate in the ‘$5K Giveaway Promotion’, these terms and conditions apply. Participation in this Promotion is deemed acceptance of these Terms and Conditions.
Rules of the Promotion:
1. This Promotion commences at 00:01am AEDT on 20/01/2020 and final entries close at 11:59pm AEDT on 29/02/2020 (“Promotional Period”).
2. There will be one (1) draw conducted for Australia and New Zealand. Entries are only valid if made between the opening and closing times of the Promotional Period, based on Australian Eastern Daylight Savings Time (AEDT).
3. The draw will take place at Level 12, 338 Pitt Street, Sydney, NSW, 2000 at 11:00am AEDT on 02/03/2020. In the event that an invalid or ineligible entrant is drawn, 1Cover may draw additional reserve entries and record them in order.
4. Entry is only open to residents of Australia and New Zealand aged 18 years or over.
5. To enter, individuals must complete the following steps during the Promotional Period: a. Purchase any Eligible Product in the regions of Australia and New Zealand during the Promotional Period. b. Eligible product means a 1Cover travel insurance policy.
6. Only one (1) entry permitted per Eligible Product purchased and a maximum of one (1) prize available between Australia and New Zealand regions.
7. Employees of 1Cover (and their immediate families) of 1Cover and entities associated with this Promotion are ineligible to enter.
8. Valid entries a. Incomplete or indecipherable entries will be deemed invalid; b. If an entrant instructs cancellation of their travel insurance policy, their entry will immediately be removed from the competition and they will no longer be eligible to win unless they purchase another Eligible Product.
9. The winner of the draw will be notified by email within two (2) business days of the draw to claim the prize, and their names will be published online at www.1Cover.com.au, www.1Cover.co.nz and any relevant social media platform.
10. 1Cover’s decision is final and is at 1Cover’s discretion.
The Prize:
11. In the event any prize(s) remains unclaimed within three (3) months of the draw, a re-draw will take place will take place at Level 12, 338 Pitt Street, Sydney, NSW, 2000 at 11:00am on 02/06/2020 AEDT. In the event that an invalid or ineligible entrant is drawn, the Promoter may draw additional reserve entries and record them in order. The winner, if any, will be notified by email and telephone within two (2) business days of the unclaimed prize draw and their names will be published online at www.1Cover.com.au or www.1Cover.co.nz.
12. The total value of the cash prize is AUD $5,000 or NZD $5,000.
13. Prizes, or any unused portion of a prize, are not transferable or exchangeable and cannot be taken as cash, unless specified otherwise.
14. Cash prize awarded to the winner will be sent to the nominated bank account in the winner’s name via an electronic funds transfer.
15. The electronic transfer of the prize will happen within 30 days of the draw subject to the correct bank account details being supplied.
16. In the event that an entrant wins the Prize, the entrant consents to 1Cover using their name, photograph, video recording, in any media forum for an unlimited period without remuneration for the purpose of promoting this Promotion (including any outcome) and promoting any products issued and services provided, distributed and/or supplied by 1Cover.
1Cover’s Liability:
17. If this Promotion is interfered with in any way or is not capable of being conducted as reasonably anticipated due to any reason beyond the reasonable control of 1Cover, including but not limited to technical difficulties, unauthorised intervention or fraud, 1Cover reserves the right, in its sole discretion, to the fullest extent permitted by law: a. to disqualify any entrant; or b. subject to any written directions from a regulatory authority, to modify, suspend, terminate or cancel the Promotion or Prize, at its sole discretion.
18. 1Cover reserves the right, at any time, to verify the validity of entries and entrants (including an entrant’s identity, age and place of residence) and reserves the right, in its sole discretion, to disqualify any individual who 1Cover has reason to believe has breached any of these Terms and Conditions, tampered with the entry process, engaged in any unlawful or other improper misconduct which jeopardises or is likely to jeopardise the fair and proper conduct of the Promotion.
19. 1Cover collects personal information in order to conduct the Promotion and may, for this purpose, disclose such data to third parties, including but not limited to agents, contractors, service providers, prize suppliers. Any disclosure of personal information will be in accordance with the 1Cover Privacy Policy. which can be viewed at https://www.1cover.com.au/privacy (for Australian residents) or https://www.1cover.co.nz/privacy (for New Zealand residents).
20. In accordance with the 1Cover Privacy Policy, from time to time, may use your contact details to send you direct marketing communications including offers, updates and newsletters that are relevant to the services we provide. We always give you the option of electing not to receive these communications in the future. You can unsubscribe by notifying us and we will no longer send these communications to you.
21. All entries become the property of 1Cover. Unless otherwise indicated by 1Cover, 1Cover may disclose personal information to entities outside of Australia in accordance with its Privacy Policy.
22. 1Cover may use social media platforms such as Facebook and/or Instagram to advertise or promote the Promotion. This 1Cover Promotion is in no way sponsored, endorsed or administered by, or associated with Facebook or Instagram. Any questions, comments or complaints regarding the Promotion should be directed to the Promoter and not Facebook or Instagram.
About 1Cover AU & NZ:
23. 1Cover Pty Ltd (ABN 91 105 954 265) is an Authorised Representative of: Coffre-Fort Pty Ltd (ABN 66 125 358518), Australian Financial Service Licence No 472457, located at Level 12, 338 Pitt Street, Sydney, NSW, 2000. 1Cover NZ Ltd, (Company No. 1588084), Financial Service Provider License 472306.
This promotion is provided by 1Cover Pty Ltd (1Cover).
If you participate in the 2019 “The One Experience” Taset of Tokyo (“Promotion”) these terms and conditions apply. Participation in this Promotion is deemed acceptance of these Terms and Conditions.
Rules of the Promotion:
1. This Promotion commences at 00:01am AEDT on 01/12/2019 and final entries close at 11:59pm AEDT on 14/01/2020 (“Promotional Period”).
2. There will be one (1) draw conducted each in New Zealand and Australia. Entries are only valid if made between the opening and closing times of the Promotional Period, based on Australian Eastern Daylight Time (AEDT).
3. The draw will take place at Level 12, 338 Pitt Street, Sydney, NSW, 2000 at 11:00am AEDT on 15/01/2020. In the event that an invalid or ineligible entrant is drawn, 1Cover may draw additional reserve entries and record them in order.
4. The winning entrant must book their Japan experience between 15/02/2020 - 01/12/2020 (excluding 23/04/2020 – 15/05/2020, 10/07/2020 - 23/08/2020). However, we recommend that the experience takes place between 15/03/2020 - 15/04/2020.
5. The winning entrant must redeem their prize immediately after winning and will be contacted by the experience company for the booking. The Japan Experience must be booked least four (4) weeks prior to the experience start date, subject to availability.
6. Entry is only open to residents of Australia and New Zealand aged 18 years or over.
7. To enter, individuals must complete the following steps during the Promotional Period:
a. Purchase any Eligible Product in the regions of Australia and New Zealand during the Promotional Period.
b. Eligible product means a 1Cover travel insurance policy.
c. OR individual has provided their contact details and next anticipated month/year of travel on 1Cover’s dedicated Next Travel Date promotional page or via the call centre within the Promotional period.
8. Only one (1) entry permitted per Eligible Product purchased and a maximum of one (1) prize between available between Australia and New Zealand regions.
9. Employees of 1Cover (and their immediate families) of 1Cover and entities associated with this Promotion are ineligible to enter.
10. Valid entries:
a. Incomplete or indecipherable entries will be deemed invalid;
b. If an entrant instructs cancellation of their travel insurance policy, their entry will immediately be removed from the competition and they will no longer be eligible to win unless they purchase another Eligible Product.
11. Winners of the draw will be notified by email within two (2) business days of the draw to claim the prize, and their names will be published online at www.1Cover.com.au, www.1Cover.co.nz and any relevant social media platform on 17/01/2020.
12. 1Cover’s decision is final and is at 1Cover’s discretion.
The Prize:
13. The valid entry drawn will win a 5-night/6-day Japan getaway for two people as set out below:
• Return flights to Japan with transfers to/from Tokyo return to airport, daily taxi & train allowance $5,180
• 5-night accommodation in Tokyo for 2 guests (1 x twin share room) $4,500
• Spending money $1,200
• Dedicated experience guide in Tokyo – 3 days (minimum 4 hours a day) $3,510
• Michelin Star Experience for 2x including alcoholic beverages $3,600
• Ultimate Tokyo experiences $2,010:
-Ramen Tour -Tsukiji Fish market tour & sushi making class w/ lunch & non-alcoholic drinks)
-Robot restaurant and Golden Gia (dinner, bar tour alcohol up to ¥2000 per person)
-Harajuku Station shopping
-Mewjii Jingu shrine visit
• 1Cover will also provide a complimentary travel insurance (domestic for Australia or comprehensive for NZ) for the winning entrant and their companion for the 6 day Experience – not including pre-existing condition charges Up to $150
14. All flights will be economy, leaving from a major international airports in NZ or mainland Australia, during the week (excluding Saturdays, Sundays, and Bank Holidays).
15. The Experience is provided by Funlocka Pty Ltd (ABN 88 616 476 656) (Funlocka). Funlocka is responsible for the booking of the flights, 4-night accommodation, tour guide, Ramen Tour elements, and the dining experience. 1Cover accepts no responsibility for any loss caused as a result of any errors/acts/omissions relating to the booking or quality of the Promotion.
16. By accepting the Prize, the winner accepts full responsibility for their own safety throughout the experience and agrees to adhere to Funlockas terms and conditions. Visit https://www.funlocka.com/ for more details.
17. The Prize travel dates may vary. The travel itinerary (including dates of travel) will be confirmed by Funlocka upon booking. 1Cover accepts no responsibility for the actions or omissions of Funlocka in this regard.
18. Flights depart from the nearest capital city to the winner’s home. Airport transfers from winner’s home to the nearest capital city are not included in the Prize.
19. Subject to the unclaimed prize draw Clause 20, if for any reason a winner does not take a prize (or part of a prize) within three (3) months of the draw, then the prize (or that part of the prize) will be forfeited, and a re-draw will take place.
20. In the event any prize(s) remains unclaimed within three (3) months of the draw, a re-draw will take place will take place at Level 12, 338 Pitt Street, Sydney, NSW, 2000 at 11:00am on 15/04/2020. In the event that an invalid or ineligible entrant is drawn, the Promoter may draw additional reserve entries and record them in order. Winners, if any, will be notified by email and telephone within two (2) business days of the unclaimed prize draw and their names will be published online at www.1Cover.com.au or www.1Cover.co.nz on 17/04/2020.
21. If Funlocka are unable to provide the prize or any part of the prize, 1Cover, in its discretion, reserves the right to substitute the prize (or that part of the prize) with a prize to the equal value and/or specification. Subject to regulatory approval.
22. The total value of the prize is AUD $20,000. The Prize value is subject to change as cost of flights is dependent on winner’s departure city and departure date.
23. Prizes, or any unused portion of a prize, are not transferable or exchangeable and cannot be taken as cash, unless specified otherwise.
24. In the event that an entrant wins the Prize, the entrant consents to 1Cover using their name, photograph, video recording, in any media forum for an unlimited period without remuneration for the purpose of promoting this Promotion (including any outcome) and promoting any products issued and services provided, distributed and/or supplied by 1Cover.
a. The winner and guest will also be required to sign a media release form as a condition of accepting the prize.
Providers of the Japan Experience(s):
25. Nothing in these terms restricts or modifies any guarantee, right or remedy that under law cannot be excluded, modified or restricted such as your statutory consumer guarantee rights, including under the Australian Consumer Law.
Subject to such legislation:
• The experience is provided by 1Cover as agent for businesses that provide lifestyle and recreational services to customers ('Experience Providers').
• 1Cover is not a provider of experiences and experience providers provide these services directly to customers. 1Cover has no responsibility for any services or experiences provided or not provided to you by the experience provider or any other party.
• 1Cover makes no warranty or representation regarding the standard of any service to be provided to you by the experience provider.
• 1Cover does not control the business operations of any experience provider.
• 1Cover makes no guarantees or warranties about the services that are provided to you by the experience providers.
1Cover’s Liability:
26. 1Cover has:
• No liability for any act, omission or default, whether negligent or otherwise of any experience provider or any other third party.
• No liability for any loss or damage occasioned by any negligent act or omission of any experience provider or third party.
• Where 1Cover’s liability cannot be excluded, such liability is limited to the value of the experience.
27. If this Promotion is interfered with in any way or is not capable of being conducted as reasonably anticipated due to any reason beyond the reasonable control of 1Cover, including but not limited to technical difficulties, unauthorised intervention or fraud, 1Cover reserves the right, in its sole discretion, to the fullest extent permitted by law:
a. to disqualify any entrant; or
b. subject to any written directions from a regulatory authority, to modify, suspend, terminate or cancel the Promotion or Prize, at its sole discretion.
28. 1Cover reserves the right, at any time, to verify the validity of entries and entrants (including an entrant’s identity, age and place of residence) and reserves the right, in its sole discretion, to disqualify any individual who 1Cover has reason to believe has breached any of these Terms and Conditions, tampered with the entry process, engaged in any unlawful or other improper misconduct which jeopardises or is likely to jeopardise the fair and proper conduct of the Promotion.
29. 1Cover collects personal information in order to conduct the Promotion and may, for this purpose, disclose such data to third parties, including but not limited to agents, contractors, service providers, prize suppliers. Any disclosure of personal information will be in accordance with the 1Cover Privacy Policy, which can be viewed at https://www.1cover.com.au/privacy (for Australian residents) or https://www.1cover.co.nz/privacy (for New Zealand residents).
30. In accordance with the 1Cover Privacy Policy, from time to time, may use your contact details to send you direct marketing communications including offers, updates and newsletters that are relevant to the services we provide. We always give you the option of electing not to receive these communications in the future. You can unsubscribe by notifying us and we will no longer send these communications to you.
31. All entries become the property of 1Cover. Unless otherwise indicated by 1Cover, 1Cover may disclose personal information to entities outside of Australia in accordance with its Privacy Policy.
32. 1Cover may use social media platforms such as Facebook and/or Instagram to advertise or promote the Promotion. This 1Cover Promotion and the experience is in no way sponsored, endorsed or administered by, or associated with Facebook or Instagram. Any questions, comments or complaints regarding the Promotion should be directed to the Promoter and not Facebook or Instagram.
Complaints or Problems During the Experience:
33. If you have a problem or a complaint on the day of your experience, please bring this to the experience provider's attention immediately so that issues may be addressed on the spot, where possible.
Insurance:
34. Some of the experiences that we promote as an agent are considered dangerous or risky. Prior to participating in any experience, you should be aware of the risks involved. 1Cover can provide further information if you are in any doubt about any experience. Experience providers warrant that they maintain appropriate public liability insurance for all risks associated with their business and service provisions. We make no warranty or representation about their business or services whatsoever (subject to your statutory consumer guarantee rights).
35. Whether the 1Cover Travel Insurance policy provided by 1Cover as a prize responds in the event of a claim during the Policy Period is subject to the terms and conditions of the policy listed in the product disclosure statement and circumstances of the claim.
Experiences:
36. The content or format of some experiences may change slightly from time to time. The experience provider (upon confirmation of each booking) will provide the final details about each experience. The experience provider will notify you of any subsequent changes. Your participation in each experience is conditional upon your acceptance of the experience provider's terms and conditions at the time your booking is confirmed by the experience provider.
About 1Cover AU & NZ:
37. 1Cover Pty Ltd (ABN 91 105 954 265) is an Authorised Representative of: Coffre-Fort Pty Ltd (ABN 66 125 358518), Australian Financial Service Licence No 472457, located at Level 12, 338 Pitt Street, Sydney, NSW, 2000. 1Cover NZ Ltd, (Company No. 1588084), Financial Service Provider License 472306.
38. Australian state lottery license permit numbers: NSW: NSW:LTPS/19/39691; ACT: TP 19/04585; SA: T19/1886
A 5% discount is automatically applied when you purchase a policy online through the website at www.1cover.com.au from the 19th November 2019 for any of the following 1Cover travel insurance policy plans Comprehensive, Medical, Essentials, Domestic.
Discount applies to the travel insurance premium (including GST and stamp duty but excluding any additional premium payable for a Pre-Existing Medical Condition). The decision to offer a discount is at the sole discretion of 1Cover Travel Insurance. We reserve the right to withdraw this offer without notice. Before you buy, please the Product Disclosure Statement for full terms and conditions to ensure that this policy meets your particular needs.
This promotion is provided by 1Cover Pty Ltd (1Cover) and 1CoverNZ Ltd (1Cover).
If you participate in the Welcome Back 2019-2020 Next Travel Date Giveaway (“Promotion”) these terms and conditions apply. Participation in this Promotion is deemed acceptance of these Terms and Conditions.
Rules of the Promotion:
1. This Promotion commences at 00:01am AEDT on 01/12/2019 and final entries close at 11:59pm AEDT on 31/03/2020 (“Promotional Period”).
2. There will be one (1) draw conducted for each New Zealand and Australia and for each giveaway period as stated in clause 6. Entries are only valid if made between the opening and closing times of the Promotional Period and during each giveaway period stated in clause 6, based on Australian Eastern Daylight Savings Time (AEDT).
3. Draws will take place at the end of each two (2) month giveaway and will take place at Level 12, 338 Pitt Street, Sydney, NSW, 2000 at 11:00am AEDT for each region. In the event that an invalid or ineligible entrant is drawn, 1Cover may draw additional reserve entries and record them in order. Draw details for each giveaway are noted below:
a. Giveaway #1 – Draw: 03/02/2020
b. Giveaway #2 – Draw: 01/04/2020
4. Entry is only open to residents of Australia and New Zealand aged 18 years or over.
5. To enter, individuals must complete the following steps during the Promotional Period:
a. Enter their next travel month/year via the next travel date webpage on the 1Cover website
6. Eligible entries will be collected based on two (2) month giveaway periods existing within the entire Promotional Period, and as noted below:
a. Giveaway #1 - 01/12/2019 to 31/01/2020
b. Giveaway #2 - 01/02/2020 to 31/03/2020
7. Multiple entries are permitted, subject to the following:
a. Only one (1) entry is submitted per email address provided.
b. A maximum of one (1) prize per region (Australia & New Zealand)
c. Entries are only valid in the winner’s region of residence
8. Employees of 1Cover (and their immediate families) of 1Cover and entities associated with this Promotion are ineligible to enter.
9. Valid entries:
a. Incomplete or indecipherable entries will be deemed invalid;
10. The winner of the draw will be notified by email within two (2) business days of the draw to claim the prize, and their names will be published online at www.1Cover.com.au, www.1Cover.co.nz and any relevant social media platform.
11. 1Cover’s decision is final and is at 1Cover’s discretion.
The Prize:
12. In the event any prize(s) remains unclaimed within five (5) business days of the draw, a re-draw will take place will take place at Level 12, 338 Pitt Street, Sydney, NSW, 2000 at 11am AEDT. In the event that an invalid or ineligible entrant is drawn, the Promoter may draw additional reserve entries and record them in order. The winner, if any, will be notified by email and telephone within two (2) business days of the unclaimed prize draw and their names will be published online at www.1Cover.com.au or www.1Cover.co.nz.
13. The total value of cash prizes is AUD $2,000 and NZD $2,000, with prizes broken down AU$1,000 and NZ$1,000 for each two (2) month draws as noted below:
a. Giveaway #1 Prize: AUD $1,000 and NZD $1,000
b. Giveaway #2 Prize: AUD $1,000 and NZD $1,000
14. Entries not drawn as winners in previous Next Travel Date draws will be carried over into the following subsequent draw(s).
15. Prizes, or any unused portion of a prize, are not transferable or exchangeable and cannot be taken as cash, unless specified otherwise.
16. The cash prize awarded to the winner will be sent to the nominated bank account in the winner’s name via an electronic funds transfer.
17. The electronic transfer of the prize will happen within 30 days of the draw subject to the correct bank account details being supplied.
18. In the event that an entrant wins the Prize, the entrant consents to 1Cover using their name, photograph, video recording, in any media forum for an unlimited period without remuneration for the purpose of promoting this Promotion (including any outcome) and promoting any products issued and services provided, distributed and/or supplied by 1Cover.
1Cover’s Liability:
19. If this Promotion is interfered with in any way or is not capable of being conducted as reasonably anticipated due to any reason beyond the reasonable control of 1Cover, including but not limited to technical difficulties, unauthorised intervention or fraud, 1Cover reserves the right, in its sole discretion, to the fullest extent permitted by law: a. to disqualify any entrant; or b. subject to any written directions from a regulatory authority, to modify, suspend, terminate or cancel the Promotion or Prize, at its sole discretion.
20. 1Cover reserves the right, at any time, to verify the validity of entries and entrants (including an entrant’s identity, age and place of residence) and reserves the right, in its sole discretion, to disqualify any individual who 1Cover has reason to believe has breached any of these Terms and Conditions, tampered with the entry process, engaged in any unlawful or other improper misconduct which jeopardises or is likely to jeopardise the fair and proper conduct of the Promotion.
21. 1Cover collects personal information in order to conduct the Promotion and may, for this purpose, disclose such data to third parties, including but not limited to agents, contractors, service providers, prize suppliers. Any disclosure of personal information will be in accordance with the 1Cover Privacy Policy. which can be viewed at https://www.1cover.com.au/privacy (for Australian residents) or https://www.1cover.co.nz/privacy (for New Zealand residents).
22. In accordance with the 1Cover Privacy Policy, from time to time, may use your contact details to send you direct marketing communications including offers, updates and newsletters that are relevant to the services we provide. We always give you the option of electing not to receive these communications in the future. You can unsubscribe by notifying us and we will no longer send these communications to you.
23. All entries become the property of 1Cover. Unless otherwise indicated by 1Cover, 1Cover may disclose personal information to entities outside of Australia in accordance with its Privacy Policy.
24. 1Cover may use social media platforms such as Facebook and/or Instagram to advertise or promote the Promotion. This 1Cover Promotion is in no way sponsored, endorsed or administered by, or associated with Facebook or Instagram. Any questions, comments or complaints regarding the Promotion should be directed to the Promoter and not Facebook or Instagram.
About 1Cover AU & NZ:
25. 1Cover Pty Ltd (ABN 91 105 954 265) is an Authorised Representative of: Coffre-Fort Pty Ltd (ABN 66 125 358518), Australian Financial Service Licence No 472457, located at Level 12, 338 Pitt Street, Sydney, NSW, 2000. 1Cover NZ Ltd, (Company No. 1588084), Financial Service Provider License 472306.
26. Australian state lottery license permit number: NSW LTPM/19/05125
This promotion is provided by 1Cover Pty Ltd (1Cover).
If you participate in the November 2019 "Win $10K For Your Endless Summer Vacay", these terms and conditions apply. Participation in this Promotion is deemed acceptance of these Terms and Conditions.
Rules of the Promotion:
1. This Promotion commences at 00:01am AEDT on 01/11/2019 and final entries close at 11:59pm AEDT on 30/11/2019 (“Promotional Period”).
2. There will be one (1) draw conducted between New Zealand and Australia. Entries are only valid if made between the opening and closing times of the Promotional Period, based on Australian Eastern Daylight Savings Time (AEDT).
3. The draw will take place at Level 12, 338 Pitt Street, Sydney, NSW, 2000 at 11:00am AEDT on 02/12/2019. In the event that an invalid or ineligible entrant is drawn, 1Cover may draw additional reserve entries and record them in order.
4. Entry is only open to residents of Australia and New Zealand aged 18 years or over.
5. To enter, individuals must complete the following steps during the Promotional Period:
a. Purchase any Eligible Product in the regions of Australia and New Zealand during the Promotional Period.
b. Eligible product means a 1Cover travel insurance policy.
6. Only one (1) entry permitted per Eligible Product purchased and a maximum of one (1) prize available between Australia and New Zealand regions.
7. Employees of 1Cover (and their immediate families) of 1Cover and entities associated with this Promotion are ineligible to enter.
8. Valid entries a. Incomplete or indecipherable entries will be deemed invalid;
b. If an entrant instructs cancellation of their travel insurance policy, their entry will immediately be removed from the competition and they will no longer be eligible to win unless they purchase another Eligible Product.
9. The winner of the draw will be notified by email within two (2) business days of the draw to claim the prize, and their names will be published online at www.1Cover.com.au, www.1Cover.co.nz and any relevant social media platform.
10. 1Cover’s decision is final and is at 1Cover’s discretion.
The Prize:
11. In the event any prize(s) remains unclaimed within three (3) months of the draw, a re-draw will take place will take place at Level 12, 338 Pitt Street, Sydney, NSW, 2000 at 11:00am on 02/03/2020 AEDT. In the event that an invalid or ineligible entrant is drawn, the Promoter may draw additional reserve entries and record them in order. The winner, if any, will be notified by email and telephone within two (2) business days of the unclaimed prize draw and their names will be published online at www.1Cover.com.au or www.1Cover.co.nz.
12. The total value of the cash prize is AUD $10,000 or NZD $10,000.
13. Prizes, or any unused portion of a prize, are not transferable or exchangeable and cannot be taken as cash, unless specified otherwise.
14. Cash prize awarded to the winner will be sent to the nominated bank account in the winner’s name via an electronic funds transfer.
15. The electronic transfer of the prize will happen within 30 days of the draw subject to the correct bank account details being supplied.
16. In the event that an entrant wins the Prize, the entrant consents to 1Cover using their name, photograph, video recording, in any media forum for an unlimited period without remuneration for the purpose of promoting this Promotion (including any outcome) and promoting any products issued and services provided, distributed and/or supplied by 1Cover.
1Cover’s Liability:
17. If this Promotion is interfered with in any way or is not capable of being conducted as reasonably anticipated due to any reason beyond the reasonable control of 1Cover, including but not limited to technical difficulties, unauthorised intervention or fraud, 1Cover reserves the right, in its sole discretion, to the fullest extent permitted by law:
a. to disqualify any entrant; or
b. subject to any written directions from a regulatory authority, to modify, suspend, terminate or cancel the Promotion or Prize, at its sole discretion.
18. 1Cover reserves the right, at any time, to verify the validity of entries and entrants (including an entrant’s identity, age and place of residence) and reserves the right, in its sole discretion, to disqualify any individual who 1Cover has reason to believe has breached any of these Terms and Conditions, tampered with the entry process, engaged in any unlawful or other improper misconduct which jeopardises or is likely to jeopardise the fair and proper conduct of the Promotion.
19. 1Cover collects personal information in order to conduct the Promotion and may, for this purpose, disclose such data to third parties, including but not limited to agents, contractors, service providers, prize suppliers. Any disclosure of personal information will be in accordance with the 1Cover Privacy Policy. which can be viewed at https://www.1cover.com.au/privacy (for Australian residents) or https://www.1cover.co.nz/privacy (for New Zealand residents).
20. In accordance with the 1Cover Privacy Policy, from time to time, may use your contact details to send you direct marketing communications including offers, updates and newsletters that are relevant to the services we provide. We always give you the option of electing not to receive these communications in the future. You can unsubscribe by notifying us and we will no longer send these communications to you.
21. All entries become the property of 1Cover. Unless otherwise indicated by 1Cover, 1Cover may disclose personal information to entities outside of Australia in accordance with its Privacy Policy.
22. 1Cover may use social media platforms such as Facebook and/or Instagram to advertise or promote the Promotion. This 1Cover Promotion is in no way sponsored, endorsed or administered by, or associated with Facebook or Instagram. Any questions, comments or complaints regarding the Promotion should be directed to the Promoter and not Facebook or Instagram.
About 1Cover AU & NZ:
23. 1Cover Pty Ltd (ABN 91 105 954 265) is an Authorised Representative of: Coffre-Fort Pty Ltd (ABN 66 125 358518), Australian Financial Service Licence No 472457, located at Level 12, 338 Pitt Street, Sydney, NSW, 2000. 1Cover NZ Ltd, (Company No. 1588084), Financial Service Provider License 472306.
24. Australian state lottery license permit numbers: NSW: LTPS/19/38913; ACT: 19/04403; SA: T19/1732
Discounts apply to Comprehensive, domestic and medical policies purchased between 23/08/2019 and 15/11/2019.
Discounts cannot be used in conjunction with any other offer. Discount have no cash or refund value, except when redeemed in accordance with the terms and conditions of this offer. The discount cannot be applied to any policies already purchased. The discount does not apply to any medical loading, excess removal, or policy add-ons. 1Cover reserves the right to amend these conditions at any time.
Discounts apply to Frequent Traveller (Annual) policies purchased from 22/08/2018. The $50 discount applies to the Overseas Frequent Traveller Maximum 90 Days Per Trip policy; $25 discount applies only to Overseas Frequent Traveller Maximum of 45 Days Per Trip policy; $20 discount applies to Overseas Frequent Traveller Maximum 90 Days Per Trip policy, and $20 discount applied to all Domestic Frequent Traveller policies.
Discounts cannot be used in conjunction with any other offer. Discount have no cash or refund value, except when redeemed in accordance with the terms and conditions of this offer. The discount cannot be applied to any policies already purchased. The discount does not apply to any medical loading, excess removal, or policy add-ons. 1Cover reserves the right to amend these conditions at any time.
This promotion is provided by 1Cover Pty Ltd (1Cover).
If you participate in the 2019 “The One Experience” Hamilton Island Hideaway (“Promotion”) these terms and conditions apply. Participation in this Promotion is deemed acceptance of these Terms and Conditions.
Rules of the Promotion:
1. This Promotion commences at 00:01am AEST on 01/10/2019 and final entries close at 11:59pm AEDT on 31/10/2019 (“Promotional Period”).
2. There will be one (1) draw conducted between New Zealand and Australia. Entries are only valid if made between the opening and closing times of the Promotional Period, based on Australian Eastern Standard Time (AEST) and Australian Eastern Daylight Savings Time (AEDT) when applicable.
3. The draw will take place at Level 12, 338 Pitt Street, Sydney, NSW, 2000 at 11:00am AEDT on 01/11/2019. In the event that an invalid or ineligible entrant is drawn, 1Cover may draw additional reserve entries and record them in order.
4. The winning entrant must book their Hamilton Island experience between 15/11/2019 -31/10/2020 (excluding December 2019). However, we recommend that the experience takes place in November 2019.
5. The winning entrant must redeem their prize immediately after winning and will be contacted by the experience company for the booking. The Hamilton Island experience must be booked least two (2) weeks prior to the experience start date, subject to availability.
6. Entry is only open to residents of Australia and New Zealand aged 18 years or over.
7. To enter, individuals must complete the following steps during the Promotional Period:
a. Purchase any Eligible Product in the regions of Australia and New Zealand during the Promotional Period.
b. Eligible product means a 1Cover travel insurance policy.
8. Only one (1) entry permitted per Eligible Product purchased and a maximum of one (1) prize between available between Australia and New Zealand regions.
9. Employees of 1Cover (and their immediate families) of 1Cover and entities associated with this Promotion are ineligible to enter.
10. Valid entries:
a. Incomplete or indecipherable entries will be deemed invalid;
b. If an entrant instructs cancellation of their travel insurance policy, their entry will immediately be removed from the competition and they will no longer be eligible to win unless they purchase another Eligible Product.
11. Winners of the draw will be notified by email within two (2) business days of the draw to claim the prize, and their names will be published online at www.1Cover.com.au, www.1Cover.co.nz and any relevant social media platform.
12. 1Cover’s decision is final and is at 1Cover’s discretion.
The Prize:
13. The valid entry drawn will win a 5-night/6-day 2019 Island getaway for two people to Hamilton Island, Queensland as set out in the table below:
Prize Item Value in AUD (includes GST); Values may be subject to change
a) Return flights to Hamilton Island with transfers return
b) Overnight stop-over in Brisbane/Melbourne required for residents of Western Australia. (1-Night accommodation at the start of the trip and one night at the end of the trip. Accommodation is an additional $900 total for the two stop-overs) $3,400
• 5-night accommodation on Hamilton Island for 2 guests (1 x twin share room including return transfers to Hamilton Island airport to/from the hotel. $2,450
• Spending money $1,500
• Dedicated experience guide on Hamilton Island – 2 days $3,600
• One full day sailing lesson with Sydney to Hobart skipper and a 3 day private sail with a private skipper $11,100
• Dining Experience at a selected Hamilton Island restaurant for 2 (restaurant selected at promoters discretion) $300
• 1Cover will also provide a complimentary travel insurance (domestic for Australia or comprehensive for NZ) for the winning entrant and their companion for the 6 day Hamilton Island Experience $200
14. All flights will be economy, leaving from a major international airports in NZ or mainland Australia, during the week (excluding Saturdays, Sundays, and Bank Holidays).
15. The Promotion is provided by Funlocka Pty Ltd (ABN 88 616 476 656) (Funlocka). Funlocka is responsible for the booking of the flights, 5-night accommodation, the private sailing lesson, the private sail charter experience, and the dining experience. 1Cover accepts no responsibility for any loss caused as a result of any errors/acts/omissions relating to the booking or quality of the Promotion.
16. By accepting the Prize, the winner accepts full responsibility for their own safety throughout the experience and agrees to adhere to Funlocka and Private Sail Charter supplier terms and conditions. Visit https://www.funlocka.com/ and https://www.yachtcharters.com.au/terms-and-conditions/ for more details.
17. The Prize travel dates may vary. The travel itinerary (including dates of travel) will be confirmed by Funlocka upon booking. The Private Sailing Charter and Sailing Lesson are subject to seasonable weather and surf conditions and whether the conditions are safe for the charter and lesson to proceed will be determined at the sole discretion of the tour company. 1Cover accepts no responsibility for the actions or omissions of Funlocka in this regard.
18. Flights depart from the nearest capital city to the winner’s home. Airport transfers from winner’s home to the nearest capital city are not included in the Prize.
19. Subject to the unclaimed prize draw Clause 20, if for any reason a winner does not take a prize (or part of a prize) within three (3) months of the draw, then the prize (or that part of the prize) will be forfeited, and a re-draw will take place.
20. In the event any prize(s) remains unclaimed within three (3) months of the draw, a re-draw will take place will take place at Level 12, 338 Pitt Street, Sydney, NSW, 2000 at 11:00am on 13/01/2020 AEDT. In the event that an invalid or ineligible entrant is drawn, the Promoter may draw additional reserve entries and record them in order. Winners, if any, will be notified by email and telephone within two (2) business days of the unclaimed prize draw and their names will be published online at www.1Cover.com.au or www.1Cover.co.nz.
21. If Funlocka are unable to provide the prize or any part of the prize, 1Cover, in its discretion, reserves the right to substitute the prize (or that part of the prize) with a prize to the equal value and/or specification.
22. The total value of the prize is AUD $23,750. The Prize value is subject to change as cost of flights is dependent on winner’s departure city and departure date.
23. Prizes, or any unused portion of a prize, are not transferable or exchangeable and cannot be taken as cash, unless specified otherwise.
24. In the event that an entrant wins the Prize, the entrant consents to 1Cover using their name, photograph, video recording, in any media forum for an unlimited period without remuneration for the purpose of promoting this Promotion (including any outcome) and promoting any products issued and services provided, distributed and/or supplied by 1Cover.
Providers of the Hamilton Island Experience(s):
25. Nothing in these terms restricts or modifies any guarantee, right or remedy that under law cannot be excluded, modified or restricted such as your statutory consumer guarantee rights, including under the Australian Consumer Law.
Subject to such legislation:
• The experience is provided by 1Cover as agent for businesses that provide lifestyle and recreational services to customers ('Experience Providers').
• 1Cover is not a provider of experiences and experience providers provide these services directly to customers. 1Cover has no responsibility for any services or experiences provided or not provided to you by the experience provider or any other party.
• 1Cover makes no warranty or representation regarding the standard of any service to be provided to you by the experience provider.
• 1Cover does not control the business operations of any experience provider.
• 1Cover makes no guarantees or warranties about the services that are provided to you by the experience providers.
1Cover’s Liability:
26. 1Cover has:
• No liability for any act, omission or default, whether negligent or otherwise of any experience provider or any other third party.
• No liability for any loss or damage occasioned by any negligent act or omission of any experience provider or third party.
• Where 1Cover’s liability cannot be excluded, such liability is limited to the value of the experience.
27. If this Promotion is interfered with in any way or is not capable of being conducted as reasonably anticipated due to any reason beyond the reasonable control of 1Cover, including but not limited to technical difficulties, unauthorised intervention or fraud, 1Cover reserves the right, in its sole discretion, to the fullest extent permitted by law:
a. to disqualify any entrant; or
b. subject to any written directions from a regulatory authority, to modify, suspend, terminate or cancel the Promotion or Prize, at its sole discretion.
28. 1Cover reserves the right, at any time, to verify the validity of entries and entrants (including an entrant’s identity, age and place of residence) and reserves the right, in its sole discretion, to disqualify any individual who 1Cover has reason to believe has breached any of these Terms and Conditions, tampered with the entry process, engaged in any unlawful or other improper misconduct which jeopardises or is likely to jeopardise the fair and proper conduct of the Promotion.
29. 1Cover collects personal information in order to conduct the Promotion and may, for this purpose, disclose such data to third parties, including but not limited to agents, contractors, service providers, prize suppliers. Any disclosure of personal information will be in accordance with the 1Cover Privacy Policy. which can be viewed at https://www.1cover.com.au/privacy (for Australian residents) or https://www.1cover.co.nz/privacy (for New Zealand residents).
30. In addition to any use that may be outlined in their Privacy Policy, 1Cover may, for an indefinite period, unless otherwise advised, use the data for promotional, marketing, publicity, research and profiling purposes, including sending electronic messages or telephoning the entrants. The Privacy Policy also contains information about how entrants may opt out, access, update or correct their data, how entrants may complain about a breach of the Privacy Act, report a data breach, or any other applicable law and how those complaints will be dealt with. All entries become the property of 1Cover. Unless otherwise indicated by 1Cover, 1Cover may disclose personal information to entities outside of Australia in accordance with its Privacy Policy.
31. 1Cover may use social media platforms such as Facebook and/or Instagram to advertise or promote the Promotion. This 1Cover Promotion and the experience is in no way sponsored, endorsed or administered by, or associated with Facebook or Instagram. Any questions, comments or complaints regarding the Promotion should be directed to the Promoter and not Facebook or Instagram.
Complaints or Problems During the Experience:
32. If you have a problem or a complaint on the day of your experience, please bring this to the experience provider's attention immediately so that issues may be addressed on the spot, where possible.
Insurance:
33. Some of the experiences that we promote as an agent are considered dangerous or risky. Prior to participating in any experience, you should be aware of the risks involved. 1Cover can provide further information if you are in any doubt about any experience. Experience providers warrant that they maintain appropriate public liability insurance for all risks associated with their business and service provisions. We make no warranty or representation about their business or services whatsoever (subject to your statutory consumer guarantee rights).
34. Whether the 1Cover Travel Insurance policy provided by 1Cover as a prize responds in the event of a claim during the Policy Period is subject to the terms and conditions of the policy listed in the product disclosure statement and circumstances of the claim.
Experiences: 35. The content or format of some experiences may change slightly from time to time. The experience provider (upon confirmation of each booking) will provide the final details about each experience. The experience provider will notify you of any subsequent changes. Your participation in each experience is conditional upon your acceptance of the experience provider's terms and conditions at the time your booking is confirmed by the experience provider.
About 1Cover:
36. 1Cover is 1Cover Pty Ltd (ABN 91 105 954 265), an Authorised Representative of: Coffre-Fort Pty Ltd (ABN 66 125 358518), AFS Licence No 472457 of Level 12, 338 Pitt Street, Sydney, NSW, 2000 and 1Cover NZ Ltd, Company No. 1588084, FSP472306 PO BOX 106-154, Commerce St, Auckland, 1143, New Zealand.
37. Australian state lottery license permit numbers: NSW: LTPS/19/37894; ACT: TP 19/04155; SA T19/1515
1. Information on how to enter the September 2019 “$5K Spring Fever” giveaway (“Promotion”) and the prizes form part of these Terms and Conditions. Participation in this Promotion is deemed acceptance of these Terms and Conditions.
2. The promoter is 1Cover Pty Ltd (ABN 91 105 954 265) Authorised Representative of Coffre-Fort Pty Ltd (ABN 66 125 358518) AFS Licence No 472457 of Level 11, 307 Pitt Street, Sydney, NSW, 2000 and 1Cover NZ Ltd, Company No. 1588084, FSP472306 Level 11, 17 Albert Street, Auckland, 1010, New Zealand.
3. Entry is only open to residents of Australia and New Zealand aged 18 years or over.
4. Employees (and their immediate families) of the Promoter and agencies associated with this Promotion are ineligible to enter. Immediate family means any of the following: spouse, ex-spouse, de-facto spouse, child or step-child (whether natural or by adoption), parent, step-parent, grandparent, step-grandparent, uncle, aunt, niece, nephew, brother, sister, step-brother, step-sister or 1st cousin.
5. This Promotion commences at 00:01am AEST on 01/09/2019 and final entries close at 11:59pm AEST on 30/09/2019 (“Promotional Period”).
6. To enter, individuals must complete the following steps during the Promotional Period:
a. Purchase any Eligible Product in the regions of Australia and New Zealand during the Promotional Period.
b. Eligible product means a 1Cover travel insurance policy purchased during the Promotional period.
7. Valid entries:
a. Incomplete or indecipherable entries will be deemed invalid;
b. If an individual instructs cancellation of their travel insurance policy, their entry will immediately be removed from the competition and they will no longer be eligible to win unless they purchase another Eligible Product.
8. Multiple entries permitted, subject to the following:
a. Only one (1) entry permitted per Eligible Product purchased and
b. A maximum of one (1) prize between regions (Australia and New Zealand)
9. The Promoter reserves the right, at any time, to verify the validity of entries and entrants (including an entrant’s identity, age and place of residence) and reserves the right, in its sole discretion, to disqualify any individual who the Promoter has reason to believe has breached any of these Terms and Conditions, tampered with the entry process engaged in any unlawful or other improper misconduct calculated to jeopardise fair and proper conduct of the Promotion. Errors and omissions may be accepted at the Promoter’s discretion. Failure by the Promoter to enforce any of its rights at any stage does not constitute a waiver of those rights. The Promoter’s legal rights to recover damages or other compensation from such an offender are reserved.
10. If there is a dispute as to the identity of an entrant, the Promoter reserves the right, in its sole discretion, to determine the identity of the entrant.
11. There will be one (1) draw conducted for each region using the entries received throughout the Promotional Period. Valid entries into the draw will be selected between Promotional Period open and close based on Australian Eastern Standard Time (AEST).
12. The draw will take place at Level 12, 338 Pitt Street, Sydney, NSW, 2000 at 11:00am AEST on 01/10/2019. In the event that an invalid or ineligible entrant is drawn, The Promoter may draw additional reserve entries and record them in order.
13. Winners will be notified by email within two (2) business days of the draw to claim the prize, and their names will be published online at www.1Cover.com.au or www.1Cover.co.nz.
14. The Promoter’s decision is final, and no correspondence will be entered into.
15. The first valid entry drawn in Australia will win AUD$5,000, awarded to the winner being the named holder of the Eligible Product and sent to the nominated bank account in the winner’s name via an electronic funds transfer. The valid first entry drawn in New Zealand will win NZD$5,000, awarded to the winner being the named holder of the Eligible Product and sent to the nominated bank account in the winner’s name via an electronic funds transfer.
16. Subject to the unclaimed prize draw Clause 21, if for any reason a winner does not take a prize (or part of a prize) within five (5) business days of the draw, then the prize (or that part of the prize) will be forfeited.
17. The electronic transfer of the prize will happen within 30 days of the draw subject to the correct bank account details being supplied.
18. If the prize (or part of any prize) is unavailable, the Promoter, in its discretion, reserves the right to substitute the prize (or that part of the prize) with a prize to the equal value and/or specification, subject to any written directions from a regulatory authority.
19. Total prize pool value is AU$5,000 and NZ$5,000.
20. Prizes, or any unused portion of a prize, are not transferable or exchangeable and cannot be taken as cash, unless specified otherwise.
21. If any prize(s) remain unclaimed within five (5) business days of the draw, a re-draw for any such prizes will take place five (5) business days of the original draw at the same place as the original draws, subject to any directions from a regulatory authority. Winners, if any, will be notified by email and telephone within two (2) business days of the unclaimed prize draw and their names will be published online at www.1Cover.com.au or www.1Cover.co.nz.
22. In the event any prize(s) remains unclaimed within five (5) business days of the draw, a re-draw will take place will take place at Level 12, 338 Pitt Street, Sydney, NSW, 2000. In the event that an invalid or ineligible entrant is drawn, The Promoter may draw additional reserve entries and record them in order.
23. Entrants consent to the Promoter using their name, likeness, image and/or voice in the event they are a winner (including photograph, film and/or recording of the same) in any media for an unlimited period without remuneration for the purpose of promoting this Promotion (including any outcome), and promoting any products issued and services provided, distributed and/or supplied by the Promoter.
24. If this Promotion is interfered with in any way or is not capable of being conducted as reasonably anticipated due to any reason beyond the reasonable control of the Promoter, including but not limited to technical difficulties, unauthorised intervention or fraud, the Promoter reserves the right, in its sole discretion, to the fullest extent permitted by law: (a) to disqualify any entrant; or (b) subject to any written directions from a regulatory authority, to modify, suspend, terminate or cancel the Promotion, as appropriate.
25. Nothing in these Terms and Conditions limits, excludes or modifies or purports to limit, exclude or modify the statutory consumer guarantees as provided under the Competition and Consumer Act, as well as any other implied warranties under the ASIC Act or similar consumer protection laws in the States and Territories of Australia or any statutory consumer guarantees as provided under consumer protection laws in New Zealand (“Non-Excludable Guarantees”). Except for any liability that cannot by law be excluded, including the Non-Excludable Guarantees, the Promoter (including its respective officers, employees and agents) excludes all liability (including negligence), for any personal injury; or any loss or damage (including loss of opportunity); whether direct, indirect, special or consequential, arising in any way out of the Promotion.
26. Except for any liability that cannot by law be excluded, including the Non-Excludable Guarantees, the Promoter (including its respective officers, employees and agents) and its prize suppliers are not responsible for and excludes all liability (including negligence), for any personal injury; or any loss or damage (including loss of opportunity); whether direct, indirect, special or consequential, arising in any way out of: (a) any technical difficulties or equipment malfunction (whether or not under the Promoter’s control); (b) any theft, unauthorised access or third party interference; (c) any entry or prize claim that is late, lost, altered, damaged or misdirected (whether or not after their receipt by the Promoter) due to any reason beyond the reasonable control of the Promoter; (d) any variation in prize value to that stated in these Terms and Conditions; (e) any tax liability incurred by a winner or entrant; or (f) taking/use of and/or participation in a prize.
27. The Promoter collects personal information (“data”) in order to conduct the Promotion and may, for this purpose, disclose such data to third parties, including but not limited to agents, contractors, service providers, prize suppliers and, as required, to Australian or New Zealand regulatory authorities. Entry is conditional on providing this data. The Promoter will also use and handle data as set out in their Privacy Policy, which can be viewed at https://www.1cover.com.au/privacy (for Australian residents) or https://www.1cover.co.nz/privacy (for New Zealand residents). In addition to any use that may be outlined in their Privacy Policy, the Promoter may, for an indefinite period, unless otherwise advised, use the data for promotional, marketing, publicity, research and profiling purposes, including sending electronic messages or telephoning the entrants. The Privacy Policy also contains information about how entrants may opt out, access, update or correct their data, how entrants may complain about a breach of the Privacy Act, report a data breach, or any other applicable law and how those complaints will be dealt with. All entries become the property of the Promoter. Unless otherwise indicated by the Promoter, the Promoter may disclose personal information to entities outside of Australia (see the Promoter’s Privacy Policy for details).
28. Facebook, Instagram and other social media channels may be used to advertise or promote the Promotion. By entering the Promotion, entrants agree that the Promotion is in no way sponsored, endorsed or administered by, or associated with Facebook, Instagram, or other social media channels; and to release Facebook, Instagram and other channels from all liability in relation to this Promotion. Any questions, comments or complaints regarding the Promotion should be directed to the Promoter and not Facebook or Instagram.
29. The laws of Australia apply to this promotion to the exclusion of any other law. Entrants submit to the exclusive jurisdiction of the courts of Australia.
30. Permit numbers: NSW LTPS/19/37305; ACT TP 19/04013
Discounts apply to Comprehensive, domestic and medical policies purchased between 01/10/2019 and 31/10/2019.
1Cover Pty Ltd (ABN: 91 105 954 265) is an Authorised Financial Services Representative (AFSR no: 269304) of Coffre-Fort Pty Ltd (AFSL no: 472457, ABN 66 125 358 518). The 1Cover travel insurance policy is underwritten by Certain Underwriters at Lloyd’s. Any information contained in this advertisement is general advice only and has been prepared without taking into account your specific objectives, financial situation or needs. You should consider these (before deciding to buy a 1Cover travel policy), having regard to this advice and the relevant Product Disclosure Statement (‘PDS’) which is available at www.1cover.com.au.
Discounts cannot be used in conjunction with any other offer. Discount have no cash or refund value, except when redeemed in accordance with the terms and conditions of this offer. The discount cannot be applied to any policies already purchased. The discount does not apply to any medical loading, excess removal, or policy add-ons. 1Cover reserves the right to amend these conditions at any time.
1. Information on how to enter the August “Win $10K Destination Dollars” promotion (“Promotion”) and the prizes form part of these Terms and Conditions. Participation in this Promotion is deemed acceptance of these Terms and Conditions.
2. The promoter is 1Cover Pty Ltd (ABN 91 105 954 265) Authorised Representative of Coffre-Fort Pty Ltd (ABN 66 125 358518) AFS Licence No 472457 of Level 11, 307 Pitt Street, Sydney, NSW, 2000 and 1Cover NZ Ltd, Company No. 1588084, FSP472306 Level 11, 17 Albert Street, Auckland, 1010, New Zealand.
3. Entry is only open to residents of Australia and New Zealand aged 18 years or over.
4. Employees (and their immediate families) of the Promoter and agencies associated with this Promotion are ineligible to enter. Immediate family means any of the following: spouse, ex-spouse, de-facto spouse, child or step-child (whether natural or by adoption), parent, step-parent, grandparent, step-grandparent, uncle, aunt, niece, nephew, brother, sister, step-brother, step-sister or 1st cousin.
5. This Promotion commences at 00:01am AEST on 01/08/2019 and final entries close at 11:59pm AEST on 31/08/2019 (“Promotional Period”).
6. To enter, individuals must complete the following steps during the Promotional Period:
a. Purchase any Eligible Product in the regions of Australia and New Zealand during the Promotional Period.
b. Eligible product means a 1Cover travel insurance policy purchased during the Promotional period.
7. Valid entries:
a. Incomplete or indecipherable entries will be deemed invalid;
b. If an individual instructs cancellation of their travel insurance policy, their entry will immediately be removed from the competition and they will no longer be eligible to win unless they purchase another Eligible Product.
8. Multiple entries permitted, subject to the following:
a. Only one (1) entry permitted per Eligible Product purchased and
b. A maximum of one (1) prize between regions (Australia and New Zealand)
9. The Promoter reserves the right, at any time, to verify the validity of entries and entrants (including an entrant’s identity, age and place of residence) and reserves the right, in its sole discretion, to disqualify any individual who the Promoter has reason to believe has breached any of these Terms and Conditions, tampered with the entry process engaged in any unlawful or other improper misconduct calculated to jeopardise fair and proper conduct of the Promotion. Errors and omissions may be accepted at the Promoter’s discretion. Failure by the Promoter to enforce any of its rights at any stage does not constitute a waiver of those rights. The Promoter’s legal rights to recover damages or other compensation from such an offender are reserved.
10. If there is a dispute as to the identity of an entrant, the Promoter reserves the right, in its sole discretion, to determine the identity of the entrant.
11. There will be one (1) draw conducted for both regions using the entries received throughout the Promotional Period. Valid entries into the draw will be selected between Promotional Period open and close based on Australian Eastern Standard Time (AEST).
12. The draw will take place at Level 12, 338 Pitt Street, Sydney, NSW, 2000 at 11:00am AEST on 02/09/2019. In the event that an invalid or ineligible entrant is drawn, The Promoter may draw additional reserve entries and record them in order.
13. Winners will be notified by email within two (2) business days of the draw to claim the prize, and their names will be published online at www.1Cover.com.au or www.1Cover.co.nz.
14. The Promoter’s decision is final, and no correspondence will be entered into.
15. If the first valid entry drawn is from Australia, the drawn entry will win AUD$10,000, awarded to the winner being the named holder of the Eligible Product and sent to the nominated bank account in the winner’s name via an electronic funds transfer. If the valid first entry draw is from New Zealand, the drawn entry will win NZD$10,000, awarded to the winner being the named holder of the Eligible Product and sent to the nominated bank account in the winner’s name via an electronic funds transfer.
16. Subject to the unclaimed prize draw Clause 21, if for any reason a winner does not take a prize (or part of a prize) within three (3) month of the draw, then the prize (or that part of the prize) will be forfeited.
17. The electronic transfer of the prize will happen within 30 days of the draw subject to the correct bank account details being supplied.
18. If the prize (or part of any prize) is unavailable, the Promoter, in its discretion, reserves the right to substitute the prize (or that part of the prize) with a prize to the equal value and/or specification, subject to any written directions from a regulatory authority.
19. Total prize pool value is AU$10,000 or NZ$10,000.
20. Prizes, or any unused portion of a prize, are not transferable or exchangeable and cannot be taken as cash, unless specified otherwise.
21. If any prize(s) remain unclaimed within three (3) months of the draw, a re-draw for any such prizes will take place three months (3) of the original draw at the same place as the original draws, subject to any directions from a regulatory authority. Winners, if any, will be notified by email and telephone within two (2) business days of the unclaimed prize draw and their names will be published online at www.1Cover.com.au or www.1Cover.co.nz.
22. In the event any prize(s) remains unclaimed within three (3) months of the draw, a re-draw will take place will take place at Level 12, 338 Pitt Street, Sydney, NSW, 2000 at 11:00am on 02/12/2019 AEST. In the event that an invalid or ineligible entrant is drawn, The Promoter may draw additional reserve entries and record them in order.
23. Entrants consent to the Promoter using their name, likeness, image and/or voice in the event they are a winner (including photograph, film and/or recording of the same) in any media for an unlimited period without remuneration for the purpose of promoting this Promotion (including any outcome), and promoting any products issued and services provided, distributed and/or supplied by the Promoter.
24. If this Promotion is interfered with in any way or is not capable of being conducted as reasonably anticipated due to any reason beyond the reasonable control of the Promoter, including but not limited to technical difficulties, unauthorised intervention or fraud, the Promoter reserves the right, in its sole discretion, to the fullest extent permitted by law: (a) to disqualify any entrant; or (b) subject to any written directions from a regulatory authority, to modify, suspend, terminate or cancel the Promotion, as appropriate.
25. Nothing in these Terms and Conditions limits, excludes or modifies or purports to limit, exclude or modify the statutory consumer guarantees as provided under the Competition and Consumer Act, as well as any other implied warranties under the ASIC Act or similar consumer protection laws in the States and Territories of Australia or any statutory consumer guarantees as provided under consumer protection laws in New Zealand (“Non-Excludable Guarantees”). Except for any liability that cannot by law be excluded, including the Non-Excludable Guarantees, the Promoter (including its respective officers, employees and agents) excludes all liability (including negligence), for any personal injury; or any loss or damage (including loss of opportunity); whether direct, indirect, special or consequential, arising in any way out of the Promotion.
26. Except for any liability that cannot by law be excluded, including the Non-Excludable Guarantees, the Promoter (including its respective officers, employees and agents) and its prize suppliers are not responsible for and excludes all liability (including negligence), for any personal injury; or any loss or damage (including loss of opportunity); whether direct, indirect, special or consequential, arising in any way out of: (a) any technical difficulties or equipment malfunction (whether or not under the Promoter’s control); (b) any theft, unauthorised access or third party interference; (c) any entry or prize claim that is late, lost, altered, damaged or misdirected (whether or not after their receipt by the Promoter) due to any reason beyond the reasonable control of the Promoter; (d) any variation in prize value to that stated in these Terms and Conditions; (e) any tax liability incurred by a winner or entrant; or (f) taking/use of and/or participation in a prize.
27. The Promoter collects personal information (“data”) in order to conduct the Promotion and may, for this purpose, disclose such data to third parties, including but not limited to agents, contractors, service providers, prize suppliers and, as required, to Australian or New Zealand regulatory authorities. Entry is conditional on providing this data. The Promoter will also use and handle data as set out in their Privacy Policy, which can be viewed at https://www.1cover.com.au/privacy (for Australian residents) or https://www.1cover.co.nz/privacy (for New Zealand residents). In addition to any use that may be outlined in their Privacy Policy, the Promoter may, for an indefinite period, unless otherwise advised, use the data for promotional, marketing, publicity, research and profiling purposes, including sending electronic messages or telephoning the entrants. The Privacy Policy also contains information about how entrants may opt out, access, update or correct their data, how entrants may complain about a breach of the Privacy Act, report a data breach, or any other applicable law and how those complaints will be dealt with. All entries become the property of the Promoter. Unless otherwise indicated by the Promoter, the Promoter may disclose personal information to entities outside of Australia (see the Promoter’s Privacy Policy for details).
28. Facebook, Instagram and other social media channels may be used to advertise or promote the Promotion. By entering the Promotion, entrants agree that the Promotion is in no way sponsored, endorsed or administered by, or associated with Facebook, Instagram, or other social media channels; and to release Facebook, Instagram and other channels from all liability in relation to this Promotion. Any questions, comments or complaints regarding the Promotion should be directed to the Promoter and not Facebook or Instagram.
29. The laws of Australia apply to this promotion to the exclusion of any other law. Entrants submit to the exclusive jurisdiction of the courts of Australia.
30. Permit numbers: NSW LTPS/19/36041; ACT TP 19/03739; SA T19/1125
1. Information on how to enter the 2019 “The One Experience” Shark Dive Getaway (“Promotion”) and the prizes form part of these Terms and Conditions. Participation in this Promotion is deemed acceptance of these Terms and Conditions.
2. The promoter is 1Cover Pty Ltd (ABN 91 105 954 265) Authorised Representative of Coffre-Fort Pty Ltd (ABN 66 125 358518) AFS Licence No 472457 of Level 12, 338 Pitt Street, Sydney, NSW, 2000 and 1Cover NZ Ltd, Company No. 1588084, FSP472306 PO BOX 106-154, Commerce St, Auckland, 1143, New Zealand.
3. Entry is only open to residents of Australia and New Zealand aged 18 years or over.
4. Residents of SA (South Australia) are not eligible to go into the draw to win and will be excluded from this Promotion.
5. Employees (and their immediate families) of the Promoter and agencies associated with this Promotion are ineligible to enter. Immediate family means any of the following: spouse, ex-spouse, de-facto spouse, child or step-child (whether natural or by adoption), parent, step-parent, grandparent, step-grandparent, uncle, aunt, niece, nephew, brother, sister, step-brother, step-sister or 1st cousin.
6. This Promotion commences at 00:01am AEST on 15/06/2019 and final entries close at 11:59pm AEST on 31/07/2019 (“Promotional Period”).
7. To enter, individuals must complete the following steps during the Promotional Period:
a. Purchase any Eligible Product in the regions of Australia and New Zealand during the Promotional Period.
b. Eligible product means a 1Cover travel insurance policy purchased during the Promotional period.
8. Valid entries:
a. Incomplete or indecipherable entries will be deemed invalid;
b. If an individual instructs cancellation of their travel insurance policy, their entry will immediately be removed from the competition and they will no longer be eligible to win unless they purchase another Eligible Product.
9. Multiple entries permitted, subject to the following:
a. Only one (1) entry permitted per Eligible Product purchased and
b. A maximum of one (1) prize between available between Australia and New Zealand regions.
10. The Promoter reserves the right, at any time, to verify the validity of entries and entrants (including an entrant’s identity, age and place of residence) and reserves the right, in its sole discretion, to disqualify any individual who the Promoter has reason to believe has breached any of these Terms and Conditions, tampered with the entry process engaged in any unlawful or other improper misconduct calculated to jeopardise fair and proper conduct of the Promotion. Errors and omissions may be accepted at the Promoter’s discretion. Failure by the Promoter to enforce any of its rights at any stage does not constitute a waiver of those rights. The Promoter’s legal rights to recover damages or other compensation from such an offender are reserved.
11. If there is a dispute as to the identity of an entrant, the Promoter reserves the right, in its sole discretion, to determine the identity of the entrant.
12. There will be one (1) draw conducted for both regions using the entries received throughout the Promotional Period. Valid entries into the draw will be selected between Promotional Period open and close based on Australian Eastern Standard Time (AEST).
13. The draw will take place at Level 12, 338 Pitt Street, Sydney, NSW, 2000 at 11:00am AEST on 01/08/2019. In the event that an invalid or ineligible entrant is drawn, The Promoter may draw additional reserve entries and record them in order.
14. Winners will be notified by email within two (2) business days of the draw to claim the prize, and their names will be published online at www.1Cover.com.au or www.1Cover.co.nz.
15. The Promoter’s decision is final, and no correspondence will be entered into.
16. For Australia and New Zealand, the valid entry drawn will win a 2-night, 3-days 2019 Shark Dive Getaway with Bondi Lifesaver Bruce Hopkins experience, awarded to the winner being the named holder of the Eligible Product. (See prize value breakdown table in Clause 17).
17. The prize breakdown is:
-Prize Item Value in AUD (excludes GST)*
-Prize Values subject to change
-Return flights to Adelaide & Port Lincoln with transfers to Port Lincoln Hotel return. $5,720
-2-night accommodation for 4 guests (2 twin share rooms). $680
-Dedicated travel/experience guide. $3,875
-Full day Shark Dive lead by Bruce Hopkins from Bondi Rescue. $8,840
-Dinner with Bruce Hopkins. $600
-Food provided. $180
-1Cover AU Domestic or 1Cover NZ Comprehensive Travel Insurance Policy For 4 people - 3 days. $200
18. FUNLOCKA are responsible for the booking and managing the 2-night, 3-days 2019 Shark Dive Getaway with Bondi Lifesaver Bruce Hopkins experience.
19. Shark Dive is subject to weather and surf conditions and will be determined at the discretion of the tour company.
20. There are no guarantees on shark sightings throughout the tour due to the nature of the animal.
19. By accepting a Prize, the winner accepts full responsibility for their own safety throughout the experience and agrees to adhere to FUNLOCKA and Shark Dive supplier terms and conditions. Visit https://www.funlocka.com/ and https://sharkcagediving.com.au/shark-terms-and-conditions for more details.
20. The Promoter is not liable for any loss or damages outside the coverage of the 1Cover AU Domestic or 1Cover NZ Comprehensive Travel insurance policy issued to the winner’s party, which includes but is not limited to indirect or consequential loss associated with accepting the Prize.
21. Recommended experience timing is October 2019. Experience timelines may vary, itinerary will be confirmed by FUNLOCKA upon booking.
22. Prize values, locations, and timings are subject to change due to seasonality, weather, and supplier’s availability.
23. Experience not available throughout state school holidays and public holidays.
24. Cost of flights based on Economy seating with maximum distance from Auckland to Perth using mid-week pricing.
25. Flights depart from the nearest capital city. Airport transfers from winner’s home to nearest capital city are not included.
26. Subject to the unclaimed prize draw Clause 21, if for any reason a winner does not take a prize (or part of a prize) within five (5) days of the draw, then the prize (or that part of the prize) will be forfeited.
27. Prize redemption may take place immediately after the winner accepts the Prize; however, must be booked forty-five (45) days in advance of the experience commencement to ensure availability.
29. If the prize (or part of any prize) is unavailable, the Promoter, in its discretion, reserves the right to substitute the prize (or that part of the prize) with a prize to the equal value and/or specification, subject to any written directions from a regulatory authority.
28. Total prize pool value is AUD$20,095 as per prize value breakdown listed in Clause 16.
a. Prize pool value is subject to change as cost of flights is dependent on winner’s departure city and experience departure date.
29. Prizes, or any unused portion of a prize, are not transferable or exchangeable and cannot be taken as cash, unless specified otherwise.
30. If any prize(s) remain unclaimed within five (5) days of the draw, a re-draw for any such prizes will take place six (6) days after the initial draw at the same place as the original draws, subject to any directions from a regulatory authority. The winner, if any, will be notified by email and telephone within two (2) business days of the unclaimed prize draw and their names will be published online at www.1Cover.com.au or www.1Cover.co.nz.
31. In the event any prize(s) remains unclaimed within five (5) days of the draw, a re-draw will take place will take place six (6) days after the initial draw. In the event that an invalid or ineligible entrant is drawn, The Promoter may draw additional reserve entries and record them in order.
32. Entrants consent to the Promoter using their name, likeness, image and/or voice in the event they are a winner (including photograph, film and/or recording of the same) in any media for an unlimited period without remuneration for the purpose of promoting this Promotion (including any outcome), and promoting any products issued and services provided, distributed and/or supplied by the Promoter.
33. If this Promotion is interfered with in any way or is not capable of being conducted as reasonably anticipated due to any reason beyond the reasonable control of the Promoter, including but not limited to technical difficulties, unauthorised intervention or fraud, the Promoter reserves the right, in its sole discretion, to the fullest extent permitted by law: (a) to disqualify any entrant; or (b) subject to any written directions from a regulatory authority, to modify, suspend, terminate or cancel the Promotion, as appropriate.
34. Nothing in these Terms and Conditions limits, excludes or modifies or purports to limit, exclude or modify the statutory consumer guarantees as provided under the Competition and Consumer Act, as well as any other implied warranties under the ASIC Act or similar consumer protection laws in the States and Territories of Australia or any statutory consumer guarantees as provided under consumer protection laws in New Zealand (“Non-Excludable Guarantees”). Except for any liability that cannot by law be excluded, including the Non-Excludable Guarantees, the Promoter (including its respective officers, employees and agents) excludes all liability (including negligence), for any personal injury; or any loss or damage (including loss of opportunity); whether direct, indirect, special or consequential, arising in any way out of the Promotion.
35. Except for any liability that cannot by law be excluded, including the Non-Excludable Guarantees, the Promoter (including its respective officers, employees and agents) and its prize suppliers are not responsible for and excludes all liability (including negligence), for any personal injury; or any loss or damage (including loss of opportunity); whether direct, indirect, special or consequential, arising in any way out of: (a) any technical difficulties or equipment malfunction (whether or not under the Promoter’s control); (b) any theft, unauthorised access or third party interference; (c) any entry or prize claim that is late, lost, altered, damaged or misdirected (whether or not after their receipt by the Promoter) due to any reason beyond the reasonable control of the Promoter; (d) any variation in prize value to that stated in these Terms and Conditions; (e) any tax liability incurred by a winner or entrant; or (f) taking/use of and/or participation in a prize.
36. The Promoter collects personal information (“data”) in order to conduct the Promotion and may, for this purpose, disclose such data to third parties, including but not limited to agents, contractors, service providers, prize suppliers and, as required, to Australian or New Zealand regulatory authorities. Entry is conditional on providing this data. The Promoter will also use and handle data as set out in their Privacy Policy, which can be viewed at https://www.1cover.com.au/privacy (for Australian residents) or https://www.1cover.co.nz/privacy (for New Zealand residents). In addition to any use that may be outlined in their Privacy Policy, the Promoter may, for an indefinite period, unless otherwise advised, use the data for promotional, marketing, publicity, research and profiling purposes, including sending electronic messages or telephoning the entrants. The Privacy Policy also contains information about how entrants may opt out, access, update or correct their data, how entrants may complain about a breach of the Privacy Act, report a data breach, or any other applicable law and how those complaints will be dealt with. All entries become the property of the Promoter. Unless otherwise indicated by the Promoter, the Promoter may disclose personal information to entities outside of Australia (see the Promoter’s Privacy Policy for details).
37. Facebook and Instagram may be used to advertise or promote the Promotion. By entering the Promotion, entrants agree that the Promotion is in no way sponsored, endorsed or administered by, or associated with Facebook or Instagram; and to release Facebook or Instagram from all liability in relation to this Promotion. Any questions, comments or complaints regarding the Promotion should be directed to the Promoter and not Facebook or Instagram.
38. The laws of Australia apply to this promotion to the exclusion of any other law. Entrants submit to the exclusive jurisdiction of the courts of Australia.
License numbers NSW: LTPS/19/34598 ACT: TP 19/03327
1. Information on how to enter the 2019 “The One Experience” Margaret River Pop-up Dining Getaway giveaway (“Promotion”) and the prizes form part of these Terms and Conditions. Participation in this Promotion is deemed acceptance of these Terms and Conditions.
2. The promoter is 1Cover Pty Ltd (ABN 91 105 954 265) Authorised Representative of Coffre-Fort Pty Ltd (ABN 66 125 358518) AFS Licence No 472457 of Level 12, 338 Pitt Street, Sydney, NSW, 2000 and 1Cover NZ Ltd, Company No. 1588084, FSP472306 PO BOX 106-154, Commerce St, Auckland, 1143, New Zealand.
3. Entry is only open to residents of Australia and New Zealand aged 18 years or over.
4. Employees (and their immediate families) of the Promoter and agencies associated with this Promotion are ineligible to enter. Immediate family means any of the following: spouse, ex-spouse, de-facto spouse, child or step-child (whether natural or by adoption), parent, step-parent, grandparent, step-grandparent, uncle, aunt, niece, nephew, brother, sister, step-brother, step-sister or 1st cousin.
5. This Promotion commences at 00:01am AEST on 01/05/2019 and final entries close at 11:59pm AEST on 14/06/2019 (“Promotional Period”).
6. To enter, individuals must complete the following steps during the Promotional Period:
a. Purchase any Eligible Product in the regions of Australia and New Zealand during the Promotional Period.
b. Eligible product means a 1Cover travel insurance policy purchased during the Promotional period.
7. Valid entries: a. Incomplete or indecipherable entries will be deemed invalid;
b. If an individual instructs cancellation of their travel insurance policy, their entry will immediately be removed from the competition and they will no longer be eligible to win unless they purchase another Eligible Product.
8. Multiple entries permitted, subject to the following:
a. Only one (1) entry permitted per Eligible Product purchased and
b. A maximum of one (1) prize between available between Australia and New Zealand regions.
9. Residents of SA (South Australia) are not eligible to go into the draw to win and are excluded from participating in this Promotion.
10. The Promoter reserves the right, at any time, to verify the validity of entries and entrants (including an entrant’s identity, age and place of residence) and reserves the right, in its sole discretion, to disqualify any individual who the Promoter has reason to believe has breached any of these Terms and Conditions, tampered with the entry process engaged in any unlawful or other improper misconduct calculated to jeopardise fair and proper conduct of the Promotion. Errors and omissions may be accepted at the Promoter’s discretion. Failure by the Promoter to enforce any of its rights at any stage does not constitute a waiver of those rights. The Promoter’s legal rights to recover damages or other compensation from such an offender are reserved.
11. If there is a dispute as to the identity of an entrant, the Promoter reserves the right, in its sole discretion, to determine the identity of the entrant.
12. There will be one (1) draw conducted for both regions using the entries received throughout the Promotional Period. Valid entries into the draw will be selected between Promotional Period open and close based on Australian Eastern Standard Time (AEST).
13. The draw will take place at Level 12, 338 Pitt Street, Sydney, NSW, 2000 at 11:00am AEST on 17/06/2019. In the event that an invalid or ineligible entrant is drawn, The Promoter may draw additional reserve entries and record them in order.
14. Winners will be notified by email within two (2) business days of the draw to claim the prize, and their names will be published online at www.1Cover.com.au or www.1Cover.co.nz.
15. The Promoter’s decision is final, and no correspondence will be entered into.
16. For Australia and New Zealand, the valid entry drawn will win a 4-night 2019 Margaret River Pop-Up Dining experience, awarded to the winner being the named holder of the Eligible Product. (See prize value breakdown table in Clause 16).
17. The prize breakdown is:
-Prize Item Value in AUD (excludes GST)*
-Values subject to change
-Return flights, rental car & Perth accommodation for 4 guests (2 twin share rooms). $4,000
-Travel/Experience Guide $1,050
-3-night’s accommodation (4-bedroom lodge) $1,180
-1 Hour Private Wine Tasting @ Fraser Gallop Winery $480
-Morning Foraging and Evening Dinner with Fervor. Included are 12 bottles of wine, additional charges apply for extra bottles. Beer available. Non-alcoholic options available as required. $10,600
-Return premium transfers (to dinner and return) $450
-1Cover AU Domestic or NZ Comprehensive Travel Insurance Policy For 4 people $200
-Spending Money (Cash) $1,500
18. FUNLOCKA are responsible for the booking and managing the 4-night 2019 Margaret River Pop-Up Dining experience.
19. By accepting a Prize, the winner accepts full responsibility for their own safety throughout the experience and agrees to adhere to FUNLOCKA and Fervor terms and conditions. Visit https://www.funlocka.com/ and www.fervor.com.au for more details.
20. The Promoter is not liable for any loss or damages outside the coverage of the Domestic Travel insurance policy issued to the winner’s party, which includes but is not limited to indirect or consequential loss associated with accepting the Prize.
21. Recommended experience timing is August 2019. Experience timelines may vary, itinerary will be confirmed by FUNLOCKA upon booking.
22. Prize values, locations, and timings are subject to change due to seasonality, weather, and supplier’s availability.
23. State Responsible Service of Alcohol standards apply.
24. Experience not available throughout state school holidays and public holidays.
25. Cost of flights based on Economy seating with maximum distance from Auckland to Perth using mid-week pricing.
26. Flights depart from the nearest capital city. Airport transfers from winner’s home to nearest capital city are not included.
27. Subject to the unclaimed prize draw Clause 21, if for any reason a winner does not take a prize (or part of a prize) within five (5) days of the draw, then the prize (or that part of the prize) will be forfeited.
28. Prize redemption may take place immediately after the winner accepts the Prize; however, must be booked forty-five (45) days in advance of the experience commencement to ensure availability.
29. If the prize (or part of any prize) is unavailable, the Promoter, in its discretion, reserves the right to substitute the prize (or that part of the prize) with a prize to the equal value and/or specification, subject to any written directions from a regulatory authority.
30. Total prize pool value is AUD$19,460 as per prize value breakdown listed in Clause 16.
31. Prizes, or any unused portion of a prize, are not transferable or exchangeable and cannot be taken as cash, unless specified otherwise.
32. If any prize(s) remain unclaimed within five (5) days of the draw, a re-draw for any such prizes will take place six (6) days after the initial draw at the same place as the original draws, subject to any directions from a regulatory authority. The winner, if any, will be notified by email and telephone within two (2) business days of the unclaimed prize draw and their names will be published online at www.1Cover.com.au or www.1Cover.co.nz.
33. In the event any prize(s) remains unclaimed within five (5) days of the draw, a re-draw will take place will take place six (6) days after the initial draw. In the event that an invalid or ineligible entrant is drawn, The Promoter may draw additional reserve entries and record them in order.
34. Entrants consent to the Promoter using their name, likeness, image and/or voice in the event they are a winner (including photograph, film and/or recording of the same) in any media for an unlimited period without remuneration for the purpose of promoting this Promotion (including any outcome), and promoting any products issued and services provided, distributed and/or supplied by the Promoter.
35. If this Promotion is interfered with in any way or is not capable of being conducted as reasonably anticipated due to any reason beyond the reasonable control of the Promoter, including but not limited to technical difficulties, unauthorised intervention or fraud, the Promoter reserves the right, in its sole discretion, to the fullest extent permitted by law: (a) to disqualify any entrant; or (b) subject to any written directions from a regulatory authority, to modify, suspend, terminate or cancel the Promotion, as appropriate.
36. Nothing in these Terms and Conditions limits, excludes or modifies or purports to limit, exclude or modify the statutory consumer guarantees as provided under the Competition and Consumer Act, as well as any other implied warranties under the ASIC Act or similar consumer protection laws in the States and Territories of Australia or any statutory consumer guarantees as provided under consumer protection laws in New Zealand (“Non-Excludable Guarantees”). Except for any liability that cannot by law be excluded, including the Non-Excludable Guarantees, the Promoter (including its respective officers, employees and agents) excludes all liability (including negligence), for any personal injury; or any loss or damage (including loss of opportunity); whether direct, indirect, special or consequential, arising in any way out of the Promotion.
37. Except for any liability that cannot by law be excluded, including the Non-Excludable Guarantees, the Promoter (including its respective officers, employees and agents) and its prize suppliers are not responsible for and excludes all liability (including negligence), for any personal injury; or any loss or damage (including loss of opportunity); whether direct, indirect, special or consequential, arising in any way out of: (a) any technical difficulties or equipment malfunction (whether or not under the Promoter’s control); (b) any theft, unauthorised access or third party interference; (c) any entry or prize claim that is late, lost, altered, damaged or misdirected (whether or not after their receipt by the Promoter) due to any reason beyond the reasonable control of the Promoter; (d) any variation in prize value to that stated in these Terms and Conditions; (e) any tax liability incurred by a winner or entrant; or (f) taking/use of and/or participation in a prize.
38. The Promoter collects personal information (“data”) in order to conduct the Promotion and may, for this purpose, disclose such data to third parties, including but not limited to agents, contractors, service providers, prize suppliers and, as required, to Australian or New Zealand regulatory authorities. Entry is conditional on providing this data. The Promoter will also use and handle data as set out in their Privacy Policy, which can be viewed at https://www.1cover.com.au/privacy (for Australian residents) or https://www.1cover.co.nz/privacy (for New Zealand residents). In addition to any use that may be outlined in their Privacy Policy, the Promoter may, for an indefinite period, unless otherwise advised, use the data for promotional, marketing, publicity, research and profiling purposes, including sending electronic messages or telephoning the entrants. The Privacy Policy also contains information about how entrants may opt out, access, update or correct their data, how entrants may complain about a breach of the Privacy Act, report a data breach, or any other applicable law and how those complaints will be dealt with. All entries become the property of the Promoter. Unless otherwise indicated by the Promoter, the Promoter may disclose personal information to entities outside of Australia (see the Promoter’s Privacy Policy for details).
39. Facebook and Instagram may be used to advertise or promote the Promotion. By entering the Promotion, entrants agree that the Promotion is in no way sponsored, endorsed or administered by, or associated with Facebook or Instagram; and to release Facebook or Instagram from all liability in relation to this Promotion. Any questions, comments or complaints regarding the Promotion should be directed to the Promoter and not Facebook or Instagram.
40. The laws of Australia apply to this promotion to the exclusion of any other law. Entrants submit to the exclusive jurisdiction of the courts of Australia.
License numbers NSW: LTPS/19/33855 ACT: TP 19/03129
1. Information on how to enter the Welcome Back 2019 Next Travel Date Giveaway (“Promotion”) and the prizes form part of these Terms and Conditions. Participation in this Promotion is deemed acceptance of these Terms and Conditions.
2. The promoter is 1Cover Pty Ltd (ABN 91 105 954 265) Authorised Representative of Coffre-Fort Pty Ltd (ABN 66 125 358518) AFS Licence No 472457 of Level 12, 338 Pitt Street, Sydney, NSW, 2000 and 1Cover NZ Ltd, Company No. 1588084, FSP472306 Level 11, 17 Albert Street, Auckland, 1010, New Zealand.
3. Entry is only open to residents of Australia and New Zealand aged 18 years or over.
4. Employees (and their immediate families) of the Promoter and agencies associated with this Promotion are ineligible to enter. Immediate family means any of the following: spouse, ex-spouse, de-facto spouse, child or step-child (whether natural or by adoption), parent, step-parent, grandparent, step-grandparent, uncle, aunt, niece, nephew, brother, sister, step-brother, step-sister or 1st cousin.
5. This Promotion commences at 00:01am AEST on 01/06/2019 and final entries close at 11:59pm AEDT on 30/11/2019 (“Promotional Period”)
6. Eligible entries will be collected based on two (2) month giveaway periods existing within the entire Promotional Period, and as noted below:
a. Giveaway #1 01/06/2019 to 31/07/2019
b. Giveaway #2 01/08/2019 to 30/09/2019
c. Giveaway #3 01/10/2019 to 30/11/2019
7. To enter, individuals must complete the following steps during the Promotional Period:
a. Enter their next travel month via the next travel date webpage page on the 1Cover website.
8. Valid entries:
a. Incomplete or indecipherable entries will be deemed invalid;
9. Multiple entries permitted, subject to the following:
a. Only one (1) entry permitted per email address provided.
b. A maximum of one (1) prize per region (Australia & New Zealand.
10. The Promoter reserves the right, at any time, to verify the validity of entries and entrants (including an entrant’s identity, age and place of residence) and reserves the right, in its sole discretion, to disqualify any individual who the Promoter has reason to believe has breached any of these Terms and Conditions, tampered with the entry process engaged in any unlawful or other improper misconduct calculated to jeopardise fair and proper conduct of the Promotion. Errors and omissions may be accepted at the Promoter’s discretion. Failure by the Promoter to enforce any of its rights at any stage does not constitute a waiver of those rights. The Promoter’s legal rights to recover damages or other compensation from such an offender are reserved.
11. If there is a dispute as to the identity of an entrant, the Promoter reserves the right, in its sole discretion, to determine the identity of the entrant.
12. There will be one (1) draw conducted for both regions using the entries received throughout the Promotional Period. Valid entries into the draw will be selected between Promotional Period open and close based on Australian Eastern Standard Time (AEST) and Australian Eastern Daylight Time (AEDT) where applicable.
13. Draws will occur at the end of each two (2) month giveaway within the Promotional Period will take place at Level 12, 338 Pitt Street, Sydney, NSW, 2000 at 11:00am AEST and AEDT where applicable. Draw details for each giveaway are noted below:
a) Giveaway #1 (Draw: 01/08/2019)
b) Giveaway #2 (Draw: 01/10/2019)
c) Giveaway #3 (Draw: 02/12/2019)
14. In the event that an invalid or ineligible entrant is drawn, The Promoter may draw additional reserve entries and record them in order.
15. Winners will be notified by email within two (2) business days of the draw to claim the prize, and their names will be published online at www.1Cover.com.au or www.1Cover.co.nz.
16. The Promoter’s decision is final, and no correspondence will be entered into.
17. For Australia, the first valid entry drawn from each two (2) month draw will win AUD$1,000, awarded to the winner being the named holder of the Eligible Product and sent to the nominated bank account in the winner’s name via an electronic funds transfer. For New Zealand, the first valid winning entry drawn from each two (2) month draw will win NZD$1,000, awarded to the winner being the named holder of the Eligible Product and sent to the nominated bank account in the winner’s name via an electronic funds transfer.
18. Subject to the unclaimed prize draw Clause 21, if for any reason a winner does not take a prize (or part of a prize) within (5) business days of the draw, then the prize (or that part of the prize) will be forfeited.
19. The electronic transfer of the prize will happen within 30 days of each draw, subject to the correct bank account details being supplied.
20. If the prize (or part of any prize) is unavailable, the Promoter, in its discretion, reserves the right to substitute the prize (or that part of the prize) with a prize to the equal value and/or specification, subject to any written directions from a regulatory authority.
21. Total prize pool value for all promotions is AU$3,000, NZ$3,000, with prizes broken down AU$1,000 and NZ$1,000 for each two (2) month draw as noted below:
a) Giveaway #1 Prize: AU$1,000, NZ$1,000
b) Giveaway #2 Prize: AU$1,000, NZ$1,000
c) Giveaway #3 Prize: AU$1,000, NZ$1,000
22. Entries not drawn as winners in previous Next Travel Date draws will be carried over into the following subsequent draw(s).
23. Prizes, or any unused portion of a prize, are not transferable or exchangeable and cannot be taken as cash, unless specified otherwise.
24. If any prize(s) remain unclaimed within five (5) business days of the draw, a re-draw for any such prizes will take place on the sixth (6th) day after the initial draw at the same place as the original draws, subject to any directions from a regulatory authority. Winners, if any, will be notified by email and telephone within two (2) business days of the unclaimed prize draw and their names will be published online at www.1Cover.com.au and www.1cover.co.nz.
25. In the event any prize(s) remains unclaimed within five (5) business days of the draw, a re-draw will take place will take place at Level 12, 338 Pitt Street, Sydney, NSW, 2000 at 11:00am AEDT and AEST where applicable. In the event that an invalid or ineligible entrant is drawn, The Promoter may draw additional reserve entries and record them in order.
26. Entrants consent to the Promoter using their name, likeness, image and/or voice in the event they are a winner (including photograph, film and/or recording of the same) in any media for an unlimited period without remuneration for the purpose of promoting this Promotion (including any outcome), and promoting any products issued and services provided, distributed and/or supplied by the Promoter.
27. If this Promotion is interfered with in any way or is not capable of being conducted as reasonably anticipated due to any reason beyond the reasonable control of the Promoter, including but not limited to technical difficulties, unauthorised intervention or fraud, the Promoter reserves the right, in its sole discretion, to the fullest extent permitted by law: (a) to disqualify any entrant; or (b) subject to any written directions from a regulatory authority, to modify, suspend, terminate or cancel the Promotion, as appropriate.
28. Nothing in these Terms and Conditions limits, excludes or modifies or purports to limit, exclude or modify the statutory consumer guarantees as provided under the Competition and Consumer Act, as well as any other implied warranties under the ASIC Act or similar consumer protection laws in the States and Territories of Australia or any statutory consumer guarantees as provided under consumer protection laws in New Zealand (“Non-Excludable Guarantees”). Except for any liability that cannot by law be excluded, including the Non-Excludable Guarantees, the Promoter (including its respective officers, employees and agents) excludes all liability (including negligence), for any personal injury; or any loss or damage (including loss of opportunity); whether direct, indirect, special or consequential, arising in any way out of the Promotion.
29. Except for any liability that cannot by law be excluded, including the Non-Excludable Guarantees, the Promoter (including its respective officers, employees and agents) and its prize suppliers are not responsible for and excludes all liability (including negligence), for any personal injury; or any loss or damage (including loss of opportunity); whether direct, indirect, special or consequential, arising in any way out of: (a) any technical difficulties or equipment malfunction (whether or not under the Promoter’s control); (b) any theft, unauthorised access or third party interference; (c) any entry or prize claim that is late, lost, altered, damaged or misdirected (whether or not after their receipt by the Promoter) due to any reason beyond the reasonable control of the Promoter; (d) any variation in prize value to that stated in these Terms and Conditions; (e) any tax liability incurred by a winner or entrant; or (f) taking/use of and/or participation in a prize.
30. The Promoter collects personal information (“data”) in order to conduct the Promotion and may, for this purpose, disclose such data to third parties, including but not limited to agents, contractors, service providers, prize suppliers and, as required, to Australian or New Zealand regulatory authorities. Entry is conditional on providing this data. The Promoter will also use and handle data as set out in their Privacy Policy, which can be viewed at https://www.1cover.com.au/privacy (for Australian residents) or https://www.1cover.co.nz/privacy (for New Zealand residents). In addition to any use that may be outlined in their Privacy Policy, the Promoter may, for an indefinite period, unless otherwise advised, use the data for promotional, marketing, publicity, research and profiling purposes, including sending electronic messages or telephoning the entrants. The Privacy Policy also contains information about how entrants may opt out, access, update or correct their data, how entrants may complain about a breach of the Privacy Act, report a data breach, or any other applicable law and how those complaints will be dealt with. All entries become the property of the Promoter. Unless otherwise indicated by the Promoter, the Promoter may disclose personal information to entities outside of Australia (see the Promoter’s Privacy Policy for details).
31. Facebook and Instagram may be used to advertise or promote the Promotion. By entering the Promotion, entrants agree that the Promotion is in no way sponsored, endorsed or administered by, or associated with Facebook or Instagram; and to release Facebook or Instagram from all liability in relation to this Promotion. Any questions, comments or complaints regarding the Promotion should be directed to the Promoter and not Facebook or Instagram.
32. The laws of Australia apply to this promotion to the exclusion of any other law. Entrants submit to the exclusive jurisdiction of the courts of Australia.
NSW license #: LTPM/19/04466
1. Information on how to enter the April 2019 “The One Thing” giveaway (“Promotion”) and the prizes form part of these Terms and Conditions. Participation in this Promotion is deemed acceptance of these Terms and Conditions.
2. The promoter is 1Cover Pty Ltd (ABN 91 105 954 265) Authorised Representative of Coffre-Fort Pty Ltd (ABN 66 125 358518) AFS Licence No 472457 of Level 12, 338 Pitt Street, Sydney, NSW, 2000 and 1Cover NZ Ltd, Company No. 1588084, FSP472306 PO BOX 106-154, Commerce St, Auckland, 1143, New Zealand.
3. Entry is only open to residents of Australia and New Zealand aged 18 years or over.
4. Employees (and their immediate families) of the Promoter and agencies associated with this Promotion are ineligible to enter. Immediate family means any of the following: spouse, ex-spouse, de-facto spouse, child or step-child (whether natural or by adoption), parent, step-parent, grandparent, step-grandparent, uncle, aunt, niece, nephew, brother, sister, step-brother, step-sister or 1st cousin.
5. This Promotion commences at 00:01am AEDT on 01/04/2019 and final entries close at 11:59pm AEST on 30/04/2019 (“Promotional Period”).
6. To enter, individuals must complete the following steps during the Promotional Period: a. Purchase any Eligible Product in the regions of Australia and New Zealand during the Promotional Period. b. Eligible product means a 1Cover travel insurance policy purchased during the Promotional period.
7. Valid entries: a. Incomplete or indecipherable entries will be deemed invalid; b. If an individual instructs cancellation of their travel insurance policy, their entry will immediately be removed from the competition and they will no longer be eligible to win unless they purchase another Eligible Product.
8. Multiple entries permitted, subject to the following: a. Only one (1) entry permitted per Eligible Product purchased and b. A maximum of one (1) prize per region (Australia and New Zealand).
9. The Promoter reserves the right, at any time, to verify the validity of entries and entrants (including an entrant’s identity, age and place of residence) and reserves the right, in its sole discretion, to disqualify any individual who the Promoter has reason to believe has breached any of these Terms and Conditions, tampered with the entry process engaged in any unlawful or other improper misconduct calculated to jeopardise fair and proper conduct of the Promotion. Errors and omissions may be accepted at the Promoter’s discretion. Failure by the Promoter to enforce any of its rights at any stage does not constitute a waiver of those rights. The Promoter’s legal rights to recover damages or other compensation from such an offender are reserved.
10. If there is a dispute as to the identity of an entrant, the Promoter reserves the right, in its sole discretion, to determine the identity of the entrant.
11. There will be one (1) draw conducted for both regions using the entries received throughout the Promotional Period. Valid entries into the draw will be selected between Promotional Period open based on Australian Eastern Daylight Time (AEDT) and close based on Australian Eastern Standard Time (AEST).
12. The draw will take place at Level 12, 338 Pitt Street, Sydney, NSW, 2000 at 11:00am AEST on 01/05/2019. In the event that an invalid or ineligible entrant is drawn, The Promoter may draw additional reserve entries and record them in order.
13. Winners will be notified by email within two (2) business days of the draw to claim the prize, and their names will be published online at www.1Cover.com.au or www.1Cover.co.nz.
14. The Promoter’s decision is final, and no correspondence will be entered into.
15. For Australia, the valid entry drawn will win AUD$5000, awarded to the winner being the named holder of the Eligible Product and sent to the nominated bank account in the winner’s name via an electronic funds transfer. For New Zealand, the first valid winning entry drawn will win NZD$5000, awarded to the winner being the named holder of the Eligible Product and sent to the nominated bank account in the winner’s name via an electronic funds transfer.
16. Subject to the unclaimed prize draw Clause 21, if for any reason a winner does not take a prize (or part of a prize) within (5) business days of the draw, then the prize (or that part of the prize) will be forfeited.
17. The electronic transfer of the prize will happen within 30 days of the draw subject to the correct bank account details being supplied.
18. If the prize (or part of any prize) is unavailable, the Promoter, in its discretion, reserves the right to substitute the prize (or that part of the prize) with a prize to the equal value and/or specification, subject to any written directions from a regulatory authority.
19. Total prize pool value is AU$5000 and NZ$5000.
20. Prizes, or any unused portion of a prize, are not transferable or exchangeable and cannot be taken as cash, unless specified otherwise.
21. If any prize(s) remain unclaimed within five (5) business days of the draw, a re-draw for any such prizes will take place on the sixth (6th) day after the initial draw at the same place as the original draws, subject to any directions from a regulatory authority. Winners, if any, will be notified by email and telephone within two (2) business days of the unclaimed prize draw and their names will be published online at www.1Cover.com.au or www.1Cover.co.nz.
22. In the event any prize(s) remains unclaimed within five (5) business days of the draw, a re-draw will take place will take place at Level 12, 338 Pitt Street, Sydney, NSW, 2000 at 11:00am AEST. In the event that an invalid or ineligible entrant is drawn, The Promoter may draw additional reserve entries and record them in order.
23. Entrants consent to the Promoter using their name, likeness, image and/or voice in the event they are a winner (including photograph, film and/or recording of the same) in any media for an unlimited period without remuneration for the purpose of promoting this Promotion (including any outcome), and promoting any products issued and services provided, distributed and/or supplied by the Promoter.
24. If this Promotion is interfered with in any way or is not capable of being conducted as reasonably anticipated due to any reason beyond the reasonable control of the Promoter, including but not limited to technical difficulties, unauthorised intervention or fraud, the Promoter reserves the right, in its sole discretion, to the fullest extent permitted by law: (a) to disqualify any entrant; or (b) subject to any written directions from a regulatory authority, to modify, suspend, terminate or cancel the Promotion, as appropriate.
25. Nothing in these Terms and Conditions limits, excludes or modifies or purports to limit, exclude or modify the statutory consumer guarantees as provided under the Competition and Consumer Act, as well as any other implied warranties under the ASIC Act or similar consumer protection laws in the States and Territories of Australia or any statutory consumer guarantees as provided under consumer protection laws in New Zealand (“Non-Excludable Guarantees”). Except for any liability that cannot by law be excluded, including the Non-Excludable Guarantees, the Promoter (including its respective officers, employees and agents) excludes all liability (including negligence), for any personal injury; or any loss or damage (including loss of opportunity); whether direct, indirect, special or consequential, arising in any way out of the Promotion.
26. Except for any liability that cannot by law be excluded, including the Non-Excludable Guarantees, the Promoter (including its respective officers, employees and agents) and its prize suppliers are not responsible for and excludes all liability (including negligence), for any personal injury; or any loss or damage (including loss of opportunity); whether direct, indirect, special or consequential, arising in any way out of: (a) any technical difficulties or equipment malfunction (whether or not under the Promoter’s control); (b) any theft, unauthorised access or third party interference; (c) any entry or prize claim that is late, lost, altered, damaged or misdirected (whether or not after their receipt by the Promoter) due to any reason beyond the reasonable control of the Promoter; (d) any variation in prize value to that stated in these Terms and Conditions; (e) any tax liability incurred by a winner or entrant; or (f) taking/use of and/or participation in a prize.
27. The Promoter collects personal information (“data”) in order to conduct the Promotion and may, for this purpose, disclose such data to third parties, including but not limited to agents, contractors, service providers, prize suppliers and, as required, to Australian or New Zealand regulatory authorities. Entry is conditional on providing this data. The Promoter will also use and handle data as set out in their Privacy Policy, which can be viewed at https://www.1cover.com.au/privacy (for Australian residents) or https://www.1cover.co.nz/privacy (for New Zealand residents). In addition to any use that may be outlined in their Privacy Policy, the Promoter may, for an indefinite period, unless otherwise advised, use the data for promotional, marketing, publicity, research and profiling purposes, including sending electronic messages or telephoning the entrants. The Privacy Policy also contains information about how entrants may opt out, access, update or correct their data, how entrants may complain about a breach of the Privacy Act, report a data breach, or any other applicable law and how those complaints will be dealt with. All entries become the property of the Promoter. Unless otherwise indicated by the Promoter, the Promoter may disclose personal information to entities outside of Australia (see the Promoter’s Privacy Policy for details).
28. Facebook and Instagram may be used to advertise or promote the Promotion. By entering the Promotion, entrants agree that the Promotion is in no way sponsored, endorsed or administered by, or associated with Facebook or Instagram; and to release Facebook or Instagram from all liability in relation to this Promotion. Any questions, comments or complaints regarding the Promotion should be directed to the Promoter and not Facebook or Instagram.
29. The laws of Australia apply to this promotion to the exclusion of any other law. Entrants submit to the exclusive jurisdiction of the courts of Australia.
License numbers NSW: LTPS/19/32848 ACT: TP 19/02897
1. Information on how to enter the Autumn 2019 Next Travel Date Giveaway (“Promotion”) and the prizes form part of these Terms and Conditions. Participation in this Promotion is deemed acceptance of these Terms and Conditions.
2. The promoter is 1Cover Pty Ltd (ABN 91 105 954 265) Authorised Representative of Coffre-Fort Pty Ltd (ABN 66 125 358518) AFS Licence No 472457 of Level 12, 338 Pitt Street, Sydney, NSW, 2000.
3. Entry is only open to residents of Australia aged 18 years or over.
4. Employees (and their immediate families) of the Promoter and agencies associated with this Promotion are ineligible to enter. Immediate family means any of the following: spouse, ex-spouse, de-facto spouse, child or step-child (whether natural or by adoption), parent, step-parent, grandparent, step-grandparent, uncle, aunt, niece, nephew, brother, sister, step-brother, step-sister or 1st cousin.
5. This Promotion commences at 00:01am AEST on 11/04/2019 and final entries close at 11:59pm AEST on 31/05/2019 (“Promotional Period”).
6. To enter, individuals must complete the following steps during the Promotional Period:
a. Enter their next travel month via the next travel date webpage page on the 1Cover website.
7. Valid entries: a. Incomplete or indecipherable entries will be deemed invalid; 8. Multiple entries permitted, subject to the following:
a. Only one (1) entry permitted per email address provided.
b. A maximum of one (1) prize per region (Australia).
9. The Promoter reserves the right, at any time, to verify the validity of entries and entrants (including an entrant’s identity, age and place of residence) and reserves the right, in its sole discretion, to disqualify any individual who the Promoter has reason to believe has breached any of these Terms and Conditions, tampered with the entry process engaged in any unlawful or other improper misconduct calculated to jeopardise fair and proper conduct of the Promotion. Errors and omissions may be accepted at the Promoter’s discretion. Failure by the Promoter to enforce any of its rights at any stage does not constitute a waiver of those rights. The Promoter’s legal rights to recover damages or other compensation from such an offender are reserved.
10. If there is a dispute as to the identity of an entrant, the Promoter reserves the right, in its sole discretion, to determine the identity of the entrant.
11. There will be one (1) draw conducted for both regions using the entries received throughout the Promotional Period. Valid entries into the draw will be selected between Promotional Period open and close based on Australian Eastern Standard Time (AEST) respectively.
12. The draw will take place at Level 12, 338 Pitt Street, Sydney, NSW, 2000 at 11:00am AEST on 03/06/2019. In the event that an invalid or ineligible entrant is drawn, The Promoter may draw additional reserve entries and record them in order.
13. Winners will be notified by email within two (2) business days of the draw to claim the prize, and their names will be published online at www.1Cover.com.au.
14. The Promoter’s decision is final, and no correspondence will be entered into.
15. For Australia, the valid entry drawn will win AUD$1000, awarded to the winner being the named holder of the Eligible Product and sent to the nominated bank account in the winner’s name via an electronic funds transfer.
16. Subject to the unclaimed prize draw Clause 21, if for any reason a winner does not take a prize (or part of a prize) within (5) business days of the draw, then the prize (or that part of the prize) will be forfeited.
17. The electronic transfer of the prize will happen within 30 days of the draw subject to the correct bank account details being supplied.
18. If the prize (or part of any prize) is unavailable, the Promoter, in its discretion, reserves the right to substitute the prize (or that part of the prize) with a prize to the equal value and/or specification, subject to any written directions from a regulatory authority.
19. Total prize pool value is AU$1000.
20. Prizes, or any unused portion of a prize, are not transferable or exchangeable and cannot be taken as cash, unless specified otherwise.
21. If any prize(s) remain unclaimed within five (5) business days of the draw, a re-draw for any such prizes will take place on the sixth (6th) day after the initial draw at the same place as the original draws, subject to any directions from a regulatory authority. Winners, if any, will be notified by email and telephone within two (2) business days of the unclaimed prize draw and their names will be published online at www.1Cover.com.au.
22. In the event any prize(s) remains unclaimed within five (5) business days of the draw, a re-draw will take place will take place at Level 12, 338 Pitt Street, Sydney, NSW, 2000 at 11:00am AEST. In the event that an invalid or ineligible entrant is drawn, The Promoter may draw additional reserve entries and record them in order.
23. Entrants consent to the Promoter using their name, likeness, image and/or voice in the event they are a winner (including photograph, film and/or recording of the same) in any media for an unlimited period without remuneration for the purpose of promoting this Promotion (including any outcome), and promoting any products issued and services provided, distributed and/or supplied by the Promoter.
24. If this Promotion is interfered with in any way or is not capable of being conducted as reasonably anticipated due to any reason beyond the reasonable control of the Promoter, including but not limited to technical difficulties, unauthorised intervention or fraud, the Promoter reserves the right, in its sole discretion, to the fullest extent permitted by law: (a) to disqualify any entrant; or (b) subject to any written directions from a regulatory authority, to modify, suspend, terminate or cancel the Promotion, as appropriate.
25. Nothing in these Terms and Conditions limits, excludes or modifies or purports to limit, exclude or modify the statutory consumer guarantees as provided under the Competition and Consumer Act, as well as any other implied warranties under the ASIC Act or similar consumer protection laws in the States and Territories of Australia or any statutory consumer guarantees as provided under consumer protection laws in New Zealand (“Non-Excludable Guarantees”). Except for any liability that cannot by law be excluded, including the Non-Excluable Guarantees, the Promoter (including its respective officers, employees and agents) excludes all liability (including negligence), for any personal injury; or any loss or damage (including loss of opportunity); whether direct, indirect, special or consequential, arising in any way out of the Promotion.
26. Except for any liability that cannot by law be excluded, including the Non-Excludable Guarantees, the Promoter (including its respective officers, employees and agents) and its prize suppliers are not responsible for and excludes all liability (including negligence), for any personal injury; or any loss or damage (including loss of opportunity); whether direct, indirect, special or consequential, arising in any way out of: (a) any technical difficulties or equipment malfunction (whether or not under the Promoter’s control); (b) any theft, unauthorised access or third party interference; (c) any entry or prize claim that is late, lost, altered, damaged or misdirected (whether or not after their receipt by the Promoter) due to any reason beyond the reasonable control of the Promoter; (d) any variation in prize value to that stated in these Terms and Conditions; (e) any tax liability incurred by a winner or entrant; or (f) taking/use of and/or participation in a prize.
27. The Promoter collects personal information (“data”) in order to conduct the Promotion and may, for this purpose, disclose such data to third parties, including but not limited to agents, contractors, service providers, prize suppliers and, as required, to Australian or New Zealand regulatory authorities. Entry is conditional on providing this data. The Promoter will also use and handle data as set out in their Privacy Policy, which can be viewed at https://www.1cover.com.au/privacy (for Australian residents). In addition to any use that may be outlined in their Privacy Policy, the Promoter may, for an indefinite period, unless otherwise advised, use the data for promotional, marketing, publicity, research and profiling purposes, including sending electronic messages or telephoning the entrants. The Privacy Policy also contains information about how entrants may opt out, access, update or correct their data, how entrants may complain about a breach of the Privacy Act, report a data breach, or any other applicable law and how those complaints will be dealt with. All entries become the property of the Promoter. Unless otherwise indicated by the Promoter, the Promoter may disclose personal information to entities outside of Australia (see the Promoter’s Privacy Policy for details).
28. Facebook and Instagram may be used to advertise or promote the Promotion. By entering the Promotion, entrants agree that the Promotion is in no way sponsored, endorsed or administered by, or associated with Facebook or Instagram; and to release Facebook or Instagram from all liability in relation to this Promotion. Any questions, comments or complaints regarding the Promotion should be directed to the Promoter and not Facebook or Instagram.
29. The laws of Australia apply to this promotion to the exclusion of any other law. Entrants submit to the exclusive jurisdiction of the courts of Australia.
License numbers NSW: LTPS/19/32896
1. Information on how to enter the March 2019 “The One Thing” promotion (“Promotion”) and the prizes form part of these Terms and Conditions. Participation in this Promotion is deemed acceptance of these Terms and Conditions.
2. The promoter is 1Cover Pty Ltd (ABN 91 105 954 265) Authorised Representative of Coffre-Fort Pty Ltd (ABN 66 125 358518) AFS Licence No 472457 of Level 12, 338 Pitt Street, Sydney, NSW, 2000 and 1Cover NZ Ltd, Company No. 1588084, FSP472306 Level 11, 17 Albert Street, Auckland, 1010, New Zealand.
3. Entry is only open to residents of Australia and New Zealand aged 18 years or over.
4. Employees (and their immediate families) of the Promoter and agencies associated with this Promotion are ineligible to enter. Immediate family means any of the following: spouse, ex-spouse, de-facto spouse, child or step-child (whether natural or by adoption), parent, step-parent, grandparent, step-grandparent, uncle, aunt, niece, nephew, brother, sister, step-brother, step-sister or 1st cousin.
5. This Promotion commences at 00:01am AEDT on 01/03/2019 and final entries close at 11:59pm AEDT on 31/03/2019 (“Promotional Period”).
6. To enter, individuals must complete the following steps during the Promotional Period: a. Purchase any Eligible Product in the regions of Australia and New Zealand during the Promotional Period. b. Eligible product means a 1Cover travel insurance policy purchased during the Promotional period.
7. Valid entries: a. Incomplete or indecipherable entries will be deemed invalid; b. If an individual instructs cancellation of their travel insurance policy, their entry will immediately be removed from the competition and they will no longer be eligible to win unless they purchase another Eligible Product.
8. Multiple entries permitted, subject to the following: a. Only one (1) entry permitted per Eligible Product purchased and b. A maximum of one (1) prize per region (Australia and New Zealand).
9. The Promoter reserves the right, at any time, to verify the validity of entries and entrants (including an entrant’s identity, age and place of residence) and reserves the right, in its sole discretion, to disqualify any individual who the Promoter has reason to believe has breached any of these Terms and Conditions, tampered with the entry process engaged in any unlawful or other improper misconduct calculated to jeopardise fair and proper conduct of the Promotion. Errors and omissions may be accepted at the Promoter’s discretion. Failure by the Promoter to enforce any of its rights at any stage does not constitute a waiver of those rights. The Promoter’s legal rights to recover damages or other compensation from such an offender are reserved.
10. If there is a dispute as to the identity of an entrant, the Promoter reserves the right, in its sole discretion, to determine the identity of the entrant.
11. There will be one (1) draw conducted for both regions using the entries received throughout the Promotional Period. Valid entries into the draw will be selected between Promotional Period open and close based on Australian Eastern Daylight Time (AEDT).
12. The draw will take place at Level 12, 338 Pitt Street, Sydney, NSW, 2000 at 11:00am AEDT on 01/04/2019. In the event that an invalid or ineligible entrant is drawn, The Promoter may draw additional reserve entries and record them in order.
13. Winners will be notified by email within two (2) business days of the draw to claim the prize, and their names will be published online at www.1Cover.com.au or www.1Cover.co.nz.
14. The Promoter’s decision is final, and no correspondence will be entered into.
15. For Australia, the valid entry drawn will win AUD$5000, awarded to the winner being the named holder of the Eligible Product and sent to the nominated bank account in the winner’s name via an electronic funds transfer. For New Zealand, the first valid winning entry drawn will win NZD$5000, awarded to the winner being the named holder of the Eligible Product and sent to the nominated bank account in the winner’s name via an electronic funds transfer.
16. Subject to the unclaimed prize draw Clause 21, if for any reason a winner does not take a prize (or part of a prize) within (5) business days of the draw, then the prize (or that part of the prize) will be forfeited.
17. The electronic transfer of the prize will happen within 30 days of the draw subject to the correct bank account details being supplied.
18. If the prize (or part of any prize) is unavailable, the Promoter, in its discretion, reserves the right to substitute the prize (or that part of the prize) with a prize to the equal value and/or specification, subject to any written directions from a regulatory authority.
19. Total prize pool value is AU$5000 and NZ$5000.
20. Prizes, or any unused portion of a prize, are not transferable or exchangeable and cannot be taken as cash, unless specified otherwise.
21. If any prize(s) remain unclaimed within five (5) business days of the draw, a re-draw for any such prizes will take place on the sixth (6th) day after the initial draw at the same place as the original draws, subject to any directions from a regulatory authority. Winners, if any, will be notified by email and telephone within two (2) business days of the unclaimed prize draw and their names will be published online at www.1Cover.com.au or www.1Cover.co.nz.
22. In the event any prize(s) remains unclaimed within five (5) business days of the draw, a re-draw will take place will take place at Level 12, 338 Pitt Street, Sydney, NSW, 2000 at 11:00am AEDT. In the event that an invalid or ineligible entrant is drawn, The Promoter may draw additional reserve entries and record them in order.
23. Entrants consent to the Promoter using their name, likeness, image and/or voice in the event they are a winner (including photograph, film and/or recording of the same) in any media for an unlimited period without remuneration for the purpose of promoting this Promotion (including any outcome), and promoting any products issued and services provided, distributed and/or supplied by the Promoter.
24. If this Promotion is interfered with in any way or is not capable of being conducted as reasonably anticipated due to any reason beyond the reasonable control of the Promoter, including but not limited to technical difficulties, unauthorised intervention or fraud, the Promoter reserves the right, in its sole discretion, to the fullest extent permitted by law: (a) to disqualify any entrant; or (b) subject to any written directions from a regulatory authority, to modify, suspend, terminate or cancel the Promotion, as appropriate.
25. Nothing in these Terms and Conditions limits, excludes or modifies or purports to limit, exclude or modify the statutory consumer guarantees as provided under the Competition and Consumer Act, as well as any other implied warranties under the ASIC Act or similar consumer protection laws in the States and Territories of Australia or any statutory consumer guarantees as provided under consumer protection laws in New Zealand (“Non-Excludable Guarantees”). Except for any liability that cannot by law be excluded, including the Non-Excludable Guarantees, the Promoter (including its respective officers, employees and agents) excludes all liability (including negligence), for any personal injury; or any loss or damage (including loss of opportunity); whether direct, indirect, special or consequential, arising in any way out of the Promotion.
26. Except for any liability that cannot by law be excluded, including the Non-Excludable Guarantees, the Promoter (including its respective officers, employees and agents) and its prize suppliers are not responsible for and excludes all liability (including negligence), for any personal injury; or any loss or damage (including loss of opportunity); whether direct, indirect, special or consequential, arising in any way out of: (a) any technical difficulties or equipment malfunction (whether or not under the Promoter’s control); (b) any theft, unauthorised access or third party interference; (c) any entry or prize claim that is late, lost, altered, damaged or misdirected (whether or not after their receipt by the Promoter) due to any reason beyond the reasonable control of the Promoter; (d) any variation in prize value to that stated in these Terms and Conditions; (e) any tax liability incurred by a winner or entrant; or (f) taking/use of and/or participation in a prize.
27. The Promoter collects personal information (“data”) in order to conduct the Promotion and may, for this purpose, disclose such data to third parties, including but not limited to agents, contractors, service providers, prize suppliers and, as required, to Australian or New Zealand regulatory authorities. Entry is conditional on providing this data. The Promoter will also use and handle data as set out in their Privacy Policy, which can be viewed at https://www.1cover.com.au/privacy (for Australian residents) or https://www.1cover.co.nz/privacy (for New Zealand residents). In addition to any use that may be outlined in their Privacy Policy, the Promoter may, for an indefinite period, unless otherwise advised, use the data for promotional, marketing, publicity, research and profiling purposes, including sending electronic messages or telephoning the entrants. The Privacy Policy also contains information about how entrants may opt out, access, update or correct their data, how entrants may complain about a breach of the Privacy Act, report a data breach, or any other applicable law and how those complaints will be dealt with. All entries become the property of the Promoter. Unless otherwise indicated by the Promoter, the Promoter may disclose personal information to entities outside of Australia (see the Promoter’s Privacy Policy for details).
28. Facebook and Instagram may be used to advertise or promote the Promotion. By entering the Promotion, entrants agree that the Promotion is in no way sponsored, endorsed or administered by, or associated with Facebook or Instagram; and to release Facebook or Instagram from all liability in relation to this Promotion. Any questions, comments or complaints regarding the Promotion should be directed to the Promoter and not Facebook or Instagram.
29. The laws of Australia apply to this promotion to the exclusion of any other law. Entrants submit to the exclusive jurisdiction of the courts of Australia.
NSW: LTPS/19/31776 ACT: ACT TP 19/02656
1. Information on how to enter the “Summer 2019 Holiday” promotion (“Promotion”) and the prizes form part of these Terms and Conditions. Participation in this Promotion is deemed acceptance of these Terms and Conditions.
2. The promoter is 1Cover Pty Ltd (ABN 91 105 954 265) Authorised Representative of Coffre-Fort Pty Ltd (ABN 66 125 358518) AFS Licence No 472457 of Level 12, 338 Pitt Street, Sydney, NSW, 2000 and 1Cover NZ Ltd, Company No. 1588084, FSP472306 Level 11, 17 Albert Street, Auckland, 1010, New Zealand.
3. Entry is only open to residents of Australia and New Zealand aged 18 years or over.
4. Employees (and their immediate families) of the Promoter and agencies associated with this Promotion are ineligible to enter. Immediate family means any of the following: spouse, ex-spouse, de-facto spouse, child or step-child (whether natural or by adoption), parent, step-parent, grandparent, step-grandparent, uncle, aunt, niece, nephew, brother, sister, step-brother, step-sister or 1st cousin.
5. This Promotion commences at 00:01am AEDT on 16/01/2019 and final entries close at 11:59pm AEDT on 28/02/2019 (“Promotional Period”).
6. To enter, individuals must complete the following steps during the Promotional Period: a. Purchase any Eligible Product in the regions of Australia and New Zealand during the Promotional Period. b. Eligible product means a 1Cover travel insurance policy purchased during the Promotional period. c. Or have saved their next travel date captured by 1Cover as per the promotional instructions.
7. Valid entries: a. Incomplete or indecipherable entries will be deemed invalid; b. If an individual instructs cancellation of their travel insurance policy, their entry will immediately be removed from the competition and they will no longer be eligible to win unless they purchase another Eligible Product.
8. Multiple entries permitted, subject to the following: a. Only one (1) entry permitted per Eligible Product purchased and b. A maximum of one (1) prize per region (Australia and New Zealand) and c. Only one (1) entry permitted per customer saving their next travel date on the 1Cover website.
9. The Promoter reserves the right, at any time, to verify the validity of entries and entrants (including an entrant’s identity, age and place of residence) and reserves the right, in its sole discretion, to disqualify any individual who the Promoter has reason to believe has breached any of these Terms and Conditions, tampered with the entry process engaged in any unlawful or other improper misconduct calculated to jeopardise fair and proper conduct of the Promotion. Errors and omissions may be accepted at the Promoter’s discretion. Failure by the Promoter to enforce any of its rights at any stage does not constitute a waiver of those rights. The Promoter’s legal rights to recover damages or other compensation from such an offender are reserved.
10. If there is a dispute as to the identity of an entrant, the Promoter reserves the right, in its sole discretion, to determine the identity of the entrant.
11. There will be one (1) draw conducted for both regions using the entries received throughout the Promotional Period. Valid entries into the draw will be selected between Promotional Period open and close based on Australian Eastern Daylight Time (AEDT).
12. The draw will take place at Level 11, 307 Pitt Street, Sydney, NSW, 2000 at 11:00am AEDT on 01/03/2019. In the event that an invalid or ineligible entrant is drawn, The Promoter may draw additional reserve entries and record them in order.
13. Winners will be notified by email within two (2) business days of the draw to claim the prize, and their names will be published online at www.1Cover.com.au or www.1Cover.co.nz.
14. The Promoter’s decision is final, and no correspondence will be entered into.
15. For Australia, the valid entry drawn will win AUD$10,000, awarded to the winner being the named holder of the Eligible Product and sent to the nominated bank account in the winner’s name via an electronic funds transfer. For New Zealand, the first valid winning entry drawn will win NZD$10,000, awarded to the winner being the named holder of the Eligible Product and sent to the nominated bank account in the winner’s name via an electronic funds transfer.
16. Subject to the unclaimed prize draw Clause 21, if for any reason a winner does not take a prize (or part of a prize) within three (3) month of the draw, then the prize (or that part of the prize) will be forfeited.
17. The electronic transfer of the prize will happen within 30 days of the draw subject to the correct bank account details being supplied.
18. If the prize (or part of any prize) is unavailable, the Promoter, in its discretion, reserves the right to substitute the prize (or that part of the prize) with a prize to the equal value and/or specification, subject to any written directions from a regulatory authority.
19. Total prize pool value is AU$10,000 and NZ$10,000.
20. Prizes, or any unused portion of a prize, are not transferable or exchangeable and cannot be taken as cash, unless specified otherwise.
21. If any prize(s) remain unclaimed within three (3) months of the draw, a re-draw for any such prizes will take place three months (3) of the original draw at the same place as the original draws, subject to any directions from a regulatory authority. Winners, if any, will be notified by email and telephone within two (2) business days of the unclaimed prize draw and their names will be published online at www.1Cover.com.au or www.1Cover.co.nz.
22. In the event any prize(s) remains unclaimed within three (3) months of the draw, a re-draw will take place will take place at Level 11, 307 Pitt Street, Sydney, NSW, 2000 at 11:00am on 28/06/2019 AEDT. In the event that an invalid or ineligible entrant is drawn, The Promoter may draw additional reserve entries and record them in order.
23. Entrants consent to the Promoter using their name, likeness, image and/or voice in the event they are a winner (including photograph, film and/or recording of the same) in any media for an unlimited period without remuneration for the purpose of promoting this Promotion (including any outcome), and promoting any products issued and services provided, distributed and/or supplied by the Promoter.
24. If this Promotion is interfered with in any way or is not capable of being conducted as reasonably anticipated due to any reason beyond the reasonable control of the Promoter, including but not limited to technical difficulties, unauthorised intervention or fraud, the Promoter reserves the right, in its sole discretion, to the fullest extent permitted by law: (a) to disqualify any entrant; or (b) subject to any written directions from a regulatory authority, to modify, suspend, terminate or cancel the Promotion, as appropriate.
25. Nothing in these Terms and Conditions limits, excludes or modifies or purports to limit, exclude or modify the statutory consumer guarantees as provided under the Competition and Consumer Act, as well as any other implied warranties under the ASIC Act or similar consumer protection laws in the States and Territories of Australia or any statutory consumer guarantees as provided under consumer protection laws in New Zealand (“Non-Excludable Guarantees”). Except for any liability that cannot by law be excluded, including the Non-Excludable Guarantees, the Promoter (including its respective officers, employees and agents) excludes all liability (including negligence), for any personal injury; or any loss or damage (including loss of opportunity); whether direct, indirect, special or consequential, arising in any way out of the Promotion.
26. Except for any liability that cannot by law be excluded, including the Non-Excludable Guarantees, the Promoter (including its respective officers, employees and agents) and its prize suppliers are not responsible for and excludes all liability (including negligence), for any personal injury; or any loss or damage (including loss of opportunity); whether direct, indirect, special or consequential, arising in any way out of:
(a) any technical difficulties or equipment malfunction (whether or not under the Promoter’s control);
(b) any theft, unauthorised access or third party interference;
(c) any entry or prize claim that is late, lost, altered, damaged or misdirected (whether or not after their receipt by the Promoter) due to any reason beyond the reasonable control of the Promoter;
(d) any variation in prize value to that stated in these Terms and Conditions;
(e) any tax liability incurred by a winner or entrant; or
(f) taking/use of and/or participation in a prize.
27. The Promoter collects personal information (“data”) in order to conduct the Promotion and may, for this purpose, disclose such data to third parties, including but not limited to agents, contractors, service providers, prize suppliers and, as required, to Australian or New Zealand regulatory authorities. Entry is conditional on providing this data. The Promoter will also use and handle data as set out in their Privacy Policy, which can be viewed at https://www.1cover.com.au/privacy (for Australian residents) or https://www.1cover.co.nz/privacy (for New Zealand residents). In addition to any use that may be outlined in their Privacy Policy, the Promoter may, for an indefinite period, unless otherwise advised, use the data for promotional, marketing, publicity, research and profiling purposes, including sending electronic messages or telephoning the entrants. The Privacy Policy also contains information about how entrants may opt out, access, update or correct their data, how entrants may complain about a breach of the Privacy Act, report a data breach, or any other applicable law and how those complaints will be dealt with. All entries become the property of the Promoter. Unless otherwise indicated by the Promoter, the Promoter may disclose personal information to entities outside of Australia (see the Promoter’s Privacy Policy for details).
28. The laws of Australia apply to this promotion to the exclusion of any other law. Entrants submit to the exclusive jurisdiction of the courts of Australia.
NSW LTPS/18/30715; ACT TP 18/02511; SA T18/2248.
Discounts apply to Comprehensive & domestic policies purchased between 07/01/2019 and 15/01/2019.
Discounts cannot be used in conjunction with any other offer. Discount have no cash or refund value, except when redeemed in accordance with the terms and conditions of this offer. The discount cannot be applied to any policies already purchased. The discount does not apply to any medical loading, excess removal, or policy add-ons. 1Cover reserves the right to amend these conditions at any time.
1. Information on how to enter the December 2018 “Daily Dollars” promotion (“Promotion”) and the prizes form part of these Terms and Conditions. Participation in this Promotion is deemed acceptance of these Terms and Conditions.
2. The promoter is 1Cover Pty Ltd (ABN 91 105 954 265) Authorised Representative of Coffre-Fort Pty Ltd (ABN 66 125 358518) AFS License No 472457 of Level 11, 307 Pitt Street, Sydney, NSW, 2000 and 1Cover NZ Ltd, Company No. 1588084, FSP472306 Level 11, 17 Albert Street, Auckland, 1010, New Zealand.
3. Entry is only open to residents of Australia and New Zealand aged 18 years or over.
4. Employees (and their immediate families) of the Promoter and agencies associated with this Promotion are ineligible to enter. Immediate family means any of the following: spouse, ex-spouse, de-facto spouse, child or step-child (whether natural or by adoption), parent, step-parent, grandparent, step-grandparent, uncle, aunt, niece, nephew, brother, sister, step-brother, step-sister or 1st cousin.
5. This Promotion commences at 00:01am AEDT on 01/12/2018 and final entries close at 11:59pm AEDT on 31/12/2018 (“Promotional Period”).
6. To enter, individuals must complete the following steps during the Promotional Period:
a. Purchase any Eligible Product in the regions of Australia and New Zealand during the Promotional Period.
b. Eligible product means a 1Cover travel insurance policy purchased during the Promotional period.
7. Valid entries:
a. Incomplete or indecipherable entries will be deemed invalid;
b. If an insured individual instructs cancellation of their travel insurance policy, their entry will immediately be removed from the competition and they will no longer be eligible to win unless they purchase another Eligible Product.
8. Multiple entries permitted, subject to the following:
a. Only one (1) entry permitted per Eligible Product purchased; and
b. A maximum of one (1) prize per entry per region (Australia and New Zealand).
9. The Promoter reserves the right, at any time, to verify the validity of entries and entrants (including an entrant’s identity, age and place of residence) and reserves the right, in its sole discretion, to disqualify any individual who the Promoter has reason to believe has breached any of these Terms and Conditions, tampered with the entry process engaged in any unlawful or other improper misconduct calculated to jeopardise fair and proper conduct of the Promotion. Errors and omissions may be accepted at the Promoter’s discretion. Failure by the Promoter to enforce any of its rights at any stage does not constitute a waiver of those rights. The Promoter’s legal rights to recover damages or other compensation from such an offender are reserved.
10. If there is a dispute as to the identity of an entrant, the Promoter reserves the right, in its sole discretion, to determine the identity of the entrant.
11. There will be one (1) draw conducted daily for entries in both regions received up to the last date of the Promotional Period (each a “Daily Draw”), for a total of thirty-one (31) Daily Draws. Valid entries will be selected between the Promotional Period open and close dates based on Australian Eastern Daylight Time (AEDT). Refer to clause 5 above.
12. All Daily Draws will take place at Level 11, 307 Pitt Street, Sydney, NSW, 2000 at 11:00am AEDT. Each Daily Draw will take place on the next day after entries close for that Daily Draw with the exception of the Christmas and New Year holiday period. The first Daily Draw will take place on 02/12/2018, and the last Daily Draw will take place on 04/01/2019. In the event that an invalid or ineligible entrant is drawn, The Promoter may draw additional reserve entries and record them in order.
13. Winners will be notified by email within two (2) business days of the draw to claim the prize, and their names published online at www.1Cover.com.au or www.1Cover.co.nz.
14. The Promoter’s decision is final, and no correspondence will be entered into.
15. For Australia, the first valid entry drawn in each Daily Draw will win AUD$1,000, awarded to the winner being the named policy holder of the Eligible Product and sent to the nominated bank account in the winner’s name via an electronic funds transfer. For the sake of clarity, Australian winners will receive AUD$1,000. For New Zealand, the first valid entry drawn in each Daily Draw will win NZD$501, awarded to the winner being the named policy holder of the Eligible Product and sent to the nominated bank account in the winner’s name via an electronic funds transfer. For the sake of clarity, New Zealand winners will receive NZD$501.
16. The total prize pool value is up to AU$31,000 and NZ$15,531.
17. The transfer of the prize will happen within 30 days of the draw subject to the correct bank account details being supplied.
18. Subject to the unclaimed prize draw Clause 22, if for any reason a winner does not take a prize (or part of a prize) within three (3) months of the draw, then the prize (or that part of the prize) will be forfeited.
19. If the prize (or part of any prize) is unavailable, the Promoter, in its discretion, reserves the right to substitute the prize (or that part of the prize) with a prize to the equal value and/or specification, subject to any written directions from a regulatory authority.
20. Prizes, or any unused portion of a prize, are not transferable or exchangeable and cannot be taken as cash, unless specified otherwise.
21. If any prize(s) remain unclaimed within three (3) months of the draw, a re-draw for any such prizes will take place three (3) months after the initial draw at the same place as the original draws, subject to any directions from a regulatory authority. Winners, if any, will be notified by email and telephone within (2) business days of the unclaimed prize draw and their names will be published online at www.1Cover.com.au or www.1Cover.co.nz
22. In the event any prize(s) remains unclaimed within three (3) months of the draw, a re-draw will take place at Level 11, 307 Pitt Street, Sydney, NSW, 2000 at 11:00am AEDT. The final re-draw will take place on 04/04/2019 at Level 11, 307 Pitt Street, Sydney, NSW, 2000 at 11:00am AEDT. In the event that an invalid or ineligible entrant is drawn, The Promoter may draw additional reserve entries and record them in order.
23. Entrants consent to the Promoter using their name, likeness, image and/or voice in the event they are a winner (including photograph, film and/or recording of the same) in any media for an unlimited period without remuneration for the purpose of promoting this Promotion (including any outcome), and promoting any products issued and services provided, distributed and/or supplied by the Promoter.
24. If this Promotion is interfered with in any way or is not capable of being conducted as reasonably anticipated due to any reason beyond the reasonable control of the Promoter, including but not limited to technical difficulties, unauthorised intervention or fraud, the Promoter reserves the right, in its sole discretion, to the fullest extent permitted by law: (a) to disqualify any entrant; or (b) subject to any written directions from a regulatory authority, to modify, suspend, terminate or cancel the Promotion, as appropriate.
25. Nothing in these Terms and Conditions limits, excludes or modifies or purports to limit, exclude or modify the statutory consumer guarantees as provided under the Competition and Consumer Act, as well as any other implied warranties under the ASIC Act or similar consumer protection laws in the States and Territories of Australia or any statutory consumer guarantees as provided under consumer protection laws in New Zealand (“Non-Excludable Guarantees”). Except for any liability that cannot by law be excluded, including the Non-Excludable Guarantees, the Promoter (including its respective officers, employees and agents) excludes all liability (including negligence), for any personal injury; or any loss or damage (including loss of opportunity); whether direct, indirect, special or consequential, arising in any way out of the Promotion.
26. Except for any liability that cannot by law be excluded, including the Non-Excludable Guarantees, the Promoter (including its respective officers, employees and agents) and its prize suppliers are not responsible for and excludes all liability (including negligence), for any personal injury; or any loss or damage (including loss of opportunity); whether direct, indirect, special or consequential, arising in any way out of: (a) any technical difficulties or equipment malfunction (whether or not under the Promoter’s control); (b) any theft, unauthorised access or third party interference; (c) any entry or prize claim that is late, lost, altered, damaged or misdirected (whether or not after their receipt by the Promoter) due to any reason beyond the reasonable control of the Promoter; (d) any variation in prize value to that stated in these Terms and Conditions; (e) any tax liability incurred by a winner or entrant; or (f) taking/use of and/or participation in a prize.
27. The Promoter collects personal information (“data”) in order to conduct the Promotion and may, for this purpose, disclose such data to third parties, including but not limited to agents, contractors, service providers, prize suppliers and, as required, to Australian or New Zealand regulatory authorities. Entry is conditional on providing this data. The Promoter will also use and handle data as set out in their Privacy Policy, which can be viewed at https://www.1cover.com.au/privacy (for Australian residents) or https://www.1cover.co.nz/privacy (for New Zealand residents). In addition to any use that may be outlined in their Privacy Policy, the Promoter may, for an indefinite period, unless otherwise advised, use the data for promotional, marketing, publicity, research and profiling purposes, including sending electronic messages or telephoning the entrants. The Privacy Policy also contains information about how entrants may opt out, access, update or correct their data, how entrants may complain about a breach of the Privacy Act, report a data breach, or any other applicable law and how those complaints will be dealt with. All entries become the property of the Promoter. Unless otherwise indicated by the Promoter, the Promoter may disclose personal information to entities outside of Australia (see the Promoter’s Privacy Policy for details).
28. The laws of Australia apply to this promotion to the exclusion of any other law. Entrants submit to the exclusive jurisdiction of the courts of Australia.
NSW LTPS/18/28840; ACT TP 18/01996; SA T18/1812
Discounts apply to Comprehensive & domestic policies purchased between 20/11/2018 and 24/12/2018.
Discounts cannot be used in conjunction with any other offer. Discount have no cash or refund value, except when redeemed in accordance with the terms and conditions of this offer. The discount cannot be applied to any policies already purchased. The discount does not apply to any medical loading, excess removal, or policy add-ons. 1Cover reserves the right to amend these conditions at any time.
1. Information on how to enter the November “The One Thing” promotion (“Promotion”) and the prizes form part of these Terms and Conditions. Participation in this Promotion is deemed acceptance of these Terms and Conditions.
2. The promoter is 1Cover Pty Ltd (ABN 91 105 954 265), an Authorised Representative of Coffre-Fort Pty Ltd ABN 66 125 358 518 AFS License No 472457 located at Level 11, 307 Pitt Street, Sydney, NSW, 2000 and 1Cover NZ Ltd, Company No. 1588084, FSP472306 located at level 11, 17 Albert Street, Auckland, 1010, New Zealand.
3. Entry is only open to residents of Australia and New Zealand aged 18 years or over.
4. Employees (and their immediate families) of the Promoter and agencies associated with this Promotion are ineligible to enter. Immediate family means any of the following: spouse, ex-spouse, de-facto spouse, child or step-child (whether natural or by adoption), parent, step-parent, grandparent, step-grandparent, uncle, aunt, niece, nephew, brother, sister, step-brother, step-sister or 1st cousin.
5. This Promotion commences at 00:01am AEDT on 01/11/2018 and final entries close at 11:59pm AEDT on 30/11/2018 (“Promotional Period”).
6. To enter, individuals must complete the following steps during the Promotional Period:
a. Purchase any Eligible Product in the regions of Australia and New Zealand during the Promotional Period.
b. Eligible product means a 1Cover travel insurance policy purchased during the Promotional period.
7. Valid entries:
a. Incomplete or indecipherable entries will be deemed invalid.
b. If an individual instructs cancellation of their travel insurance policy, their entry will immediately be removed from the competition and they will no longer be eligible to win unless they purchase another Eligible Product.
8. Multiple entries permitted, subject to the following:
a. Only one (1) entry permitted per Eligible Product purchased; and
b. A maximum of one (1) prize per region (Australia and New Zealand).
9. The Promoter reserves the right, at any time, to verify the validity of entries and entrants (including an entrant’s identity, age and place of residence) and reserves the right, in its sole discretion, to disqualify any individual who the Promoter has reason to believe has breached any of these Terms and Conditions, tampered with the entry process engaged in any unlawful or other improper misconduct calculated to jeopardise fair and proper conduct of the Promotion. Errors and omissions may be accepted at the Promoter’s discretion. Failure by the Promoter to enforce any of its rights at any stage does not constitute a waiver of those rights. The Promoter’s legal rights to recover damages or other compensation from such an offender are reserved.
10. If there is a dispute as to the identity of an entrant, the Promoter reserves the right, in its sole discretion, to determine the identity of the entrant.
11. There will be one (1) draw conducted for both regions using the entries received throughout the Promotional Period. Valid entries into the draw will be selected between Promotional Period open and close based on Australian Eastern Daylight Savings Time (AEDT).
12. The draw will take place at Level 11, 307 Pitt Street, Sydney, NSW, 2000 at 11:00am AEDT on 03/12/2018. In the event that an invalid or ineligible entrant is drawn, The Promoter may draw additional reserve entries and record them in order.
13. Winners will be notified by email within two (2) business days of the relevant draw, and their names will be published online at www.1Cover.com.au and www.1cover.co.nz.
14. The Promoter’s decision is final and no correspondence will be entered into.
15. For Australia, the valid entry drawn will win AUD$5000, awarded to the winner being the named holder of the Eligible Product and sent to the nominated bank account in the winner’s name via an electronic funds transfer. For New Zealand, the first valid winning entry drawn will win NZD$5000, awarded to the winner being the named holder of the Eligible Product and sent to the nominated bank account in the winner’s name via an electronic funds transfer.
16. Subject to the unclaimed prize draw Clause 21, if for any reason a winner does not take a prize (or part of a prize) within five (5) business days of the draw, then the prize (or that part of the prize) will be forfeited.
17. The electronic transfer of the prize will happen within 30 days of the draw subject to the correct bank account details being supplied.
18. If the prize (or part of any prize) is unavailable, the Promoter, in its discretion, reserves the right to substitute the prize (or that part of the prize) with a prize to the equal value and/or specification, subject to any written directions from a regulatory authority.
19. Total prize pool value is AU$5000 and NZ$5000.
20. Prizes, or any unused portion of a prize, are not transferable or exchangeable and cannot be taken as cash, unless specified otherwise.
21. If any prize(s) remain unclaimed within five (5) business day of draw, a re-draw for any such prizes will take place on the sixth (6th) day after the initial draw at the same place as the original draws, subject to any directions from a regulatory authority. Winners, if any, will be notified by email and telephone within two (2) business days of the unclaimed prize draw and their names will be published online at www.1Cover.com.au and www.1Cover.co.nz.
22. Entrants consent to the Promoter using their name, likeness, image and/or voice in the event they are a winner (including photograph, film and/or recording of the same) in any media for an unlimited period without remuneration for the purpose of promoting this Promotion (including any outcome), and promoting any products manufactured, distributed and/or supplied by the Promoter.
23. If this Promotion is interfered with in any way or is not capable of being conducted as reasonably anticipated due to any reason beyond the reasonable control of the Promoter, including but not limited to technical difficulties, unauthorised intervention or fraud, the Promoter reserves the right, in its sole discretion, to the fullest extent permitted by law: (a) to disqualify any entrant; or (b) subject to any written directions from a regulatory authority, to modify, suspend, terminate or cancel the Promotion, as appropriate.
24. Nothing in these Terms and Conditions limits, excludes or modifies or purports to limit, exclude or modify the statutory consumer guarantees as provided under the Competition and continue sentence Consumer Act, as well as any other implied warranties under the ASIC Act or similar consumer protection laws in the States and Territories of Australia or any statutory consumer guarantees as provided under consumer protection laws in New Zealand (“Non-Excludable Guarantees”). Except for any liability that cannot by law be excluded, including the Non-Excludable Guarantees, the Promoter (including its respective officers, employees and agents) excludes all liability (including negligence), for any personal injury; or any loss or damage (including loss of opportunity); whether direct, indirect, special or consequential, arising in any way out of the Promotion.
25. Except for any liability that cannot by law be excluded, including the Non-Excludable Guarantees, the Promoter (including its respective officers, employees and agents) and its prize suppliers are not responsible for and excludes all liability (including negligence), for any personal injury; or any loss or damage (including loss of opportunity); whether direct, indirect, special or consequential, arising in any way out of: (a) any technical difficulties or equipment malfunction (whether or not under the Promoter’s control); (b) any theft, unauthorised access or third party interference; (c) any entry or prize claim that is late, lost, altered, damaged or misdirected (whether or not after their receipt by the Promoter) due to any reason beyond the reasonable control of the Promoter; (d) any variation in prize value to that stated in these Terms and Conditions; (e) any tax liability incurred by a winner or entrant; or (f) taking/use of and/or participation in a prize.
26. The Promoter collects personal information (“data”) in order to conduct the Promotion and may, for this purpose, disclose such data to third parties, including but not limited to agents, contractors, service providers, prize suppliers and, as required, to Australian or New Zealand regulatory authorities. Entry is conditional on providing this data. The Promoter will also use and handle data as set out in their Privacy Policy, which can be viewed at https://www.1cover.com.au/privacy (for Australian residents) or https://www.1cover.co.nz/privacy (for New Zealand residents). In addition to any use that may be outlined in their Privacy Policy, the Promoter may, for an indefinite period, unless otherwise advised, use the data for promotional, marketing, publicity, research and profiling purposes, including sending electronic messages or telephoning the entrants. The Privacy Policy also contains information about how entrants may opt out, access, update or correct their data, how entrants may complain about a breach of the Privacy Act, report a data breach, or any other applicable law and how those complaints will be dealt with. All entries become the property of the Promoter. Unless otherwise indicated by the Promoter, the Promoter may disclose personal information to entities outside of Australia (see the Promoter’s Privacy Policy for details).
27. The laws of Australia apply to this promotion to the exclusion of any other law. Entrants submit to the exclusive jurisdiction of the courts of Australia. NSW LPTS/18/28235; ACT TP 18/01845
1. This #1Coverbrolly Competition (Competition) is organised and run by 1Cover Pty Ltd and its associated companies in Australia (Promoter). Participation in this Competition by an entrant is deemed to be an irrevocable and unconditional acceptance of these Terms and Conditions (Terms) by the entrant. Information on how to enter into the Competition, including any prizes awarded, form part of these Terms.
2. Entry is only open to Australian residents aged 18 years or over. The employees (and their immediate families) of 1Cover Pty Ltd and its associated companies in Australia (collectively, the Promoter) are ineligible to enter the Competition.
3. The Promoter reserves the right, at any time, to verify the validity of entries and entrants (including an entrant’s identity, age and place of residence) and to disqualify any entrant who submits an entry that is not in accordance with these Terms. Errors and omissions will be accepted at the Promoter's discretion. Failure by the Promoter to enforce any of its rights at any stage does not constitute a waiver of those rights.
4. The competition commences at 00:01 AEST on 11 October 2018. Entries close at 23:59 AEST on 01 November 2018.
5. Upon commencement of the competition 1Cover branded umbrellas will be distributed to members of the public free of charge in the Sydney CBD for a maximum period of three (3) days.
6. Entrants must submit their entry(ies) by doing each all of the following steps:- Follow 1Cover on Instagram; Upload a photograph or video featuring the 1Cover branded umbrella (refer 5 above) and post to your public Instagram profile; Use the hashtag #1Coverbrolly in the caption of your photograph or video; Tag your post @1Cover
7. Entrants must make their Instagram profile ‘public’ to enable verification by the Promoter
8. Entrants may make unlimited entries, but each entry must be a different photograph or video.
9. Entrants may make their Instagram entry post available on any other media platform, public or otherwise, however, only posts uploaded to Instagram as in section 6 and 7 above will be considered an entry in the Competition.
10. Without limiting sections 11 to 13 below, incomplete, inaudible or otherwise indecipherable entries (including those of low technical quality) will be deemed invalid.
11. Each entry (including the recording itself, and the contents of the recording) must be the wholly original work of the relevant entrant. The entry must not be a recording which has been created by a third party or otherwise not created specifically for the Competition. The entrant must ensure that no entry includes third party content – third party content may include things like background music, video footage, literary works or artworks. The Promoter reserves the right to remove any entry from the Portal which, in the Promoter’s opinion breaches, or is likely to breach, this section 11.
12. Entries must not:
be obscene and/or offensive; be defamatory or disparaging of another person or entity; infringe or violate the rights of any third party; or contain content which is unlawful or illegalThe Promoter reserves the right to report to Instagram any entry which in the Promoter’s opinion breaches, or is likely to breach, this section 12. If any entry is reported by the Promoter, the Promoter may also disqualify the entrant who submitted the relevant entry from participating in the Competition.
13. The Promoter’s right to report any entry to Instagram, and to disqualify an entrant from participating in the Competition, is not limited to the situations set out in sections 11 and 12 above. If, in the Promoter’s opinion, an entry negatively impacts the reputation of the Promoter, subjects any officer or employee of the Promoter to ridicule or is not otherwise in the fun spirit of the Competition, the Promoter shall be entitled to report the entry to Instagram and may disqualify the entrant who submitted the relevant entry from participating in the Competition. The entrant acknowledges and agrees that any entry which is reported to Instagram (whether pursuant to section 11, section 12 or this section 13) shall be deemed an invalid entry and such the entrant shall not participate in the Competition or be considered for any prize.
14. Entrants must not attempt to interfere with the judging process or approach the Promoter or any of its employees regarding the Competition, whether directly or indirectly, including by any form of social media.
15. The judging of the entries will commence immediately following the closing date of entries pursuant to section 4, on 01 November 2018 (or any other date as otherwise determined by the Promoter).
16. The Promoter reserves the right to create a short-list of five (5) entries (based on its own assessment of all the entries submitted). Short-listed entries will be featured on the 1Cover Instagram for seven (7) days.
17. Judging of the five (5) short-listed entries featured on the 1Cover Instagram will take place on 02 November 2018 from which the judging panel and its staff will select the winner.
18. Entries will be judged on the highest number of ‘likes’ each entry receives. The entry with the most ‘likes’ as at 17:00:00 AEST on 09 November 2018 will be deemed the winner.
19. The winner will be publicly announced by the Promoter on 12 November 2018 (or any other date as otherwise determined by the Promoter) by publishing the names of the winners on the competition page on its website at www.1cover.com.au and/or any of the Promoter’s social media accounts. The entrant acknowledges and agrees that the Promoter is entitled to publicise the winners of the Competition in any and all media (including without limitation over the radio) for any period of time after the announcement of the winners. The Promoter may request that the winner participate in an interview with a representative of the Promoter in respect of the Competition and the entrant hereby agrees that, if the entrant is selected as a winner, he/she will cooperate with any such request of the Promoter pursuant to this section 19.
20. The Promoter’s decision in deciding the winners in each of the categories is final and not subject to review, and no correspondence will be entered into by the Promoter regarding the basis on which any decision was made.
21. The following prize will be awarded in respect to section 6:
AUD$1,00023. A winner will only be paid the prize provided that:
there has been no breach of these Terms by the winner or in relation to the winning entry; and if required by the Promoter, the winner has signed any legally binding agreement/s and/or documents between the winner and the Promoter consistent with these Terms (without prejudice to section 35 below). Any such legally binding agreement and/or documents will be in the form provided by the Promoter in its complete discretion.No compensation shall be payable to any entrant who is chosen as a winner but who is not awarded the prize by reason of this section 21. Further, in the event the entrant breaches these Terms, or the Promoter only becomes aware of such breaches, after any prize has been awarded to the entrant, the Promoter reserves the right to require the entrant to repay and/or reimburse the prize money back to the Promoter and the entrant must do so within seven (7) days of the Promoter’s request.
24. The prize is not transferable or exchangeable and will be paid to the winner by direct deposit into a bank account nominated by the winner. The Promoter will contact the winner regard payment of the prize; however, if the winner does not respond to the Promoter in a timely manner, or otherwise within fourteen (14) days of the Promoter’s first attempt to contact the winner regarding payment of the prize, the Promoter reserves an absolute right to award the prize to another entrant. Any decision made by the Promoter under this section 24 is final and not subject to review.
25. The entrant hereby grants to the Promoter an exclusive royalty-free licence of all rights including, without limitation, copyright in and to any and all entries (including as may be deemed invalid in accordance with these Terms) for the full duration of such rights throughout the world in any and all media. The entrant hereby acknowledges and agrees that this section 23 applies to all entries submitted by the entrant, whether or not the entrant or any of the entries becomes a winner.
26. The Promoter (and its assigns and licensees) has the right (without payment to the entrant) to make unfettered use of any of the entries, and to publish the name and image of any winner, in connection with the Competition and for any promotion, marketing or publicity of the Promoter generally in any and all media worldwide, provided that the Promoter will not hold the entrant out as endorsing any product or service. The entrant hereby gives all necessary consents as may be required to enable the Promoter to exercise the rights herein.
27.The entrant agrees that if there are vested in the entrant any moral rights in any entries, the entrant unconditionally and irrevocably waives in perpetuity his/her moral rights or otherwise grants his/her consent to the Promoter doing or omitting to do any act which would otherwise infringe the entrant’s moral rights under the Copyright Act 1968 (Cth) (or analogous laws in other jurisdictions) in relation to the any and all entries, and the entrant will not make any claim in respect of any such action by the Promoter.
28. The Promoter may (but is not obliged to) reproduce any and all entries across any social media accounts maintained by the Promoter, which include (but are not limited to), Facebook (1Cover Travel Insurance and 1Cover NZ), Instagram (@1cover and @1covernz) and Twitter (@1CoverInsurance and @1CoverNZ) and the entrant provides his/her consent to any such use of the entries in relation to the foregoing. The Promoter is entitled, in relation to such reproductions, to add a ‘top and tail’ to any entry (that is, to include a screen image or short animation promoting the Competition before and after video clip entries). Entries may remain on any one or more of the Promoter’s social media account indefinitely.30. Except for any liability that cannot be excluded by law, the Promoter (including their respective officers, employees and agents) excludes any and all liability (including negligence), for any personal injury, or any loss or damage (including loss of opportunity), whether direct, indirect, special or consequential, arising in any way out of the Competition, including, but not limited to, where arising out of the following: (a) any technical difficulties, equipment malfunction or unavailability of the competition portal (whether or not under the Promoter’s control); (b) any circumstances beyond the reasonable control of the Promoter; (c) any theft, unauthorised access or third party interference; (d) any entry or prize claim that is late, lost, altered, damaged or misdirected (whether or not after their receipt by the Promoter) due to any reason beyond the reasonable control of the Promoter; (e) any variation in prize value to that stated in these Terms; (f) any tax liability incurred by a winner or entrant; (g) redemption of the prize (including bank transaction fees) and/or (h) participation in the Competition.
31. The entrant indemnifies and undertakes to keep the Promoter indemnified from and against any and all actions, claims, proceedings, judgments, demands, liabilities, losses, costs (including reasonable legal costs), expenses and damages which may be brought or awarded against the Promoter or suffered, incurred or paid by the Promoter (howsoever arising) in respect of, arising out of or in connection with the content of an entry submitted by (or on behalf of an entrant) or a breach of the terms, conditions, covenants, warranties and representations (express or implied) contained in these Terms on the part of the entrant.
32. The indemnity in section 31 above is a continuing obligation which is separate and independent from any other obligations of the parties under these Terms and it survives termination, completion or expiration of the Competition and these Terms.
33. The entrant acknowledges and agrees that it is not necessary for the Promoter to incur any expense or cost or make any payment before enforcing the indemnity in section 31 above and the entrant will pay any money due to the Promoter under that indemnity on demand by the Promoter.
34. The Promoter shall not be liable to the entrant or the entrant’s legal representatives for any loss or damage or injury to the entrant or the entrant’s property caused by or suffered in connection with the Promoter’s use or exploitation of the entries.
35. The Promoter collects entrants’ personal information in order to conduct the Competition and may, for this purpose, disclose such information to third parties (including to its associated companies), agents, contractors and service providers. Entry is conditional on entrants providing this personal information. By entering the Competition and submitting your personal information you give consent to the Promoter to use your personal information for promotional, marketing, publicity, research and profiling purposes, including sending electronic messages or telephoning you. You can contact the Promoter to request access to your personal information, or to request that we update or correct your personal information. If you wish to withdraw your consent to the Promoter using your personal information or contacting you, you can withdraw your consent at any time by contacting the Promoter by email.
36. By entering the Competition, the entrant consents to receipt of any email or phone call from the Promoter regarding the Competition.
37. These Terms constitute a binding legal agreement between each entrant and the Promoter.
Find out more about The One Thing competition here.
1. Information on how to enter the October “The One Thing” promotion (“Promotion”) and the prizes form part of these Terms and Conditions. Participation in this Promotion is deemed acceptance of these Terms and Conditions.
2. The promoter is 1Cover Pty Ltd (ABN 91 105 954 265), an Authorised Representative of Coffre-Fort Pty Ltd ABN 66 125 358 518 AFS License No 472457 located at Level 11, 307 Pitt Street, Sydney, NSW, 2000 and 1Cover NZ Ltd, Company No. 1588084, FSP472306 located at level 11, 17 Albert Street, Auckland, 1010, New Zealand.
3. Entry is only open to residents of Australia and New Zealand aged 18 years or over.
4. Employees (and their immediate families) of the Promoter and agencies associated with this Promotion are ineligible to enter. Immediate family means any of the following: spouse, ex-spouse, de-facto spouse, child or step-child (whether natural or by adoption), parent, step-parent, grandparent, step-grandparent, uncle, aunt, niece, nephew, brother, sister, step-brother, step-sister or 1st cousin.
5. This Promotion commences at 00:01am AEST on 01/10/2018 and final entries close at 11:59pm AEDT on 31/10/2018 (“Promotional Period”).
6. To enter, individuals must complete the following steps during the Promotional Period:
a. Purchase any Eligible Product in the regions of Australia and New Zealand during the Promotional Period.
b. Eligible product means a 1Cover travel insurance policy purchased during the Promotional period.
7. Valid entries:
a. Incomplete or indecipherable entries will be deemed invalid.
b. If an individual instructs cancellation of their travel insurance policy, their entry will immediately be removed from the competition and they will no longer be eligible to win unless they purchase another Eligible Product.
8. Multiple entries permitted, subject to the following:
a. Only one (1) entry permitted per Eligible Product purchased; and
b. A maximum of one (1) prize per region (Australia and New Zealand).
9. The Promoter reserves the right, at any time, to verify the validity of entries and entrants (including an entrant’s identity, age and place of residence) and reserves the right, in its sole discretion, to disqualify any individual who the Promoter has reason to believe has breached any of these Terms and Conditions, tampered with the entry process engaged in any unlawful or other improper misconduct calculated to jeopardise fair and proper conduct of the Promotion. Errors and omissions may be accepted at the Promoter’s discretion. Failure by the Promoter to enforce any of its rights at any stage does not constitute a waiver of those rights. The Promoter’s legal rights to recover damages or other compensation from such an offender are reserved.
10. If there is a dispute as to the identity of an entrant, the Promoter reserves the right, in its sole discretion, to determine the identity of the entrant.
11. There will be one (1) draw conducted for both regions using the entries received throughout the Promotional Period. Valid entries into the draw will be selected between Promotional Period open and close based on Australian Eastern Stantard Time (AEST) and Australian Eastern Daylight Savings Time (AEDT) where applicable.
12. The draw will take place at Level 11, 307 Pitt Street, Sydney, NSW, 2000 at 11:00am AEDT on 01/11/2018. In the event that an invalid or ineligible entrant is drawn, The Promoter may draw additional reserve entries and record them in order.
13. Winners will be notified by email within two (2) business days of the relevant draw, and their names will be published online at www.1Cover.com.au and www.1cover.co.nz.
14. The Promoter’s decision is final and no correspondence will be entered into.
15. For Australia, the valid entry drawn will win AUD$5000, awarded to the winner being the named holder of the Eligible Product and sent to the nominated bank account in the winner’s name via an electronic funds transfer. For New Zealand, the first valid winning entry drawn will win NZD$5000, awarded to the winner being the named holder of the Eligible Product and sent to the nominated bank account in the winner’s name via an electronic funds transfer.
16. Subject to the unclaimed prize draw Clause 21, if for any reason a winner does not take a prize (or part of a prize) within five (5) business days of the draw, then the prize (or that part of the prize) will be forfeited.
17. The electronic transfer of the prize will happen within 30 days of the draw subject to the correct bank account details being supplied.
18. If the prize (or part of any prize) is unavailable, the Promoter, in its discretion, reserves the right to substitute the prize (or that part of the prize) with a prize to the equal value and/or specification, subject to any written directions from a regulatory authority.
19. Total prize pool value is AU$5000 and NZ$5000.
20. Prizes, or any unused portion of a prize, are not transferable or exchangeable and cannot be taken as cash, unless specified otherwise.
21. If any prize(s) remain unclaimed within five (5) business day of draw, a re-draw for any such prizes will take place on the sixth (6th) day after the initial draw at the same place as the original draws, subject to any directions from a regulatory authority. Winners, if any, will be notified by email and telephone within two (2) business days of the unclaimed prize draw and their names will be published online at www.1Cover.com.au and www.1Cover.co.nz.
22. Entrants consent to the Promoter using their name, likeness, image and/or voice in the event they are a winner (including photograph, film and/or recording of the same) in any media for an unlimited period without remuneration for the purpose of promoting this Promotion (including any outcome), and promoting any products manufactured, distributed and/or supplied by the Promoter.
23. If this Promotion is interfered with in any way or is not capable of being conducted as reasonably anticipated due to any reason beyond the reasonable control of the Promoter, including but not limited to technical difficulties, unauthorised intervention or fraud, the Promoter reserves the right, in its sole discretion, to the fullest extent permitted by law: (a) to disqualify any entrant; or (b) subject to any written directions from a regulatory authority, to modify, suspend, terminate or cancel the Promotion, as appropriate.
24. Nothing in these Terms and Conditions limits, excludes or modifies or purports to limit, exclude or modify the statutory consumer guarantees as provided under the Competition and continue sentence Consumer Act, as well as any other implied warranties under the ASIC Act or similar consumer protection laws in the States and Territories of Australia or any statutory consumer guarantees as provided under consumer protection laws in New Zealand (“Non-Excludable Guarantees”). Except for any liability that cannot by law be excluded, including the Non-Excludable Guarantees, the Promoter (including its respective officers, employees and agents) excludes all liability (including negligence), for any personal injury; or any loss or damage (including loss of opportunity); whether direct, indirect, special or consequential, arising in any way out of the Promotion.
25. Except for any liability that cannot by law be excluded, including the Non-Excludable Guarantees, the Promoter (including its respective officers, employees and agents) and its prize suppliers are not responsible for and excludes all liability (including negligence), for any personal injury; or any loss or damage (including loss of opportunity); whether direct, indirect, special or consequential, arising in any way out of: (a) any technical difficulties or equipment malfunction (whether or not under the Promoter’s control); (b) any theft, unauthorised access or third party interference; (c) any entry or prize claim that is late, lost, altered, damaged or misdirected (whether or not after their receipt by the Promoter) due to any reason beyond the reasonable control of the Promoter; (d) any variation in prize value to that stated in these Terms and Conditions; (e) any tax liability incurred by a winner or entrant; or (f) taking/use of and/or participation in a prize.
26. The Promoter collects personal information (“data”) in order to conduct the Promotion and may, for this purpose, disclose such data to third parties, including but not limited to agents, contractors, service providers, prize suppliers and, as required, to Australian or New Zealand regulatory authorities. Entry is conditional on providing this data. The Promoter will also use and handle data as set out in their Privacy Policy, which can be viewed at https://www.1cover.com.au/privacy (for Australian residents) or https://www.1cover.co.nz/privacy (for New Zealand residents). In addition to any use that may be outlined in their Privacy Policy, the Promoter may, for an indefinite period, unless otherwise advised, use the data for promotional, marketing, publicity, research and profiling purposes, including sending electronic messages or telephoning the entrants. The Privacy Policy also contains information about how entrants may opt out, access, update or correct their data, how entrants may complain about a breach of the Privacy Act, report a data breach, or any other applicable law and how those complaints will be dealt with. All entries become the property of the Promoter. Unless otherwise indicated by the Promoter, the Promoter may disclose personal information to entities outside of Australia (see the Promoter’s Privacy Policy for details).
27. The laws of Australia apply to this promotion to the exclusion of any other law. Entrants submit to the exclusive jurisdiction of the courts of Australia. NSW LPTS/18/28299; ACT TP 18/01623
1. Information on how to enter the September “The One Thing” promotion (“Promotion”) and the prizes form part of these Terms and Conditions. Participation in this Promotion is deemed acceptance of these Terms and Conditions.
2. The promoter is 1Cover Pty Ltd (ABN 91 105 954 265), an Authorised Representative of Coffre-Fort Pty Ltd ABN 66 125 358 518 AFS License No 472457 located at Level 11, 307 Pitt Street, Sydney, NSW, 2000 and 1Cover NZ Ltd, Company No. 1588084, FSP472306 located at level 11, 17 Albert Street, Auckland, 1010, New Zealand.
3. Entry is only open to residents of Australia and New Zealand aged 18 years or over.
4. Employees (and their immediate families) of the Promoter and agencies associated with this Promotion are ineligible to enter. Immediate family means any of the following: spouse, ex-spouse, de-facto spouse, child or step-child (whether natural or by adoption), parent, step-parent, grandparent, step-grandparent, uncle, aunt, niece, nephew, brother, sister, step-brother, step-sister or 1st cousin.
5. This Promotion commences at 00:01am AEST on 01/09/2018 and final entries close at 11:59pm AEST on 30/09/2018 (“Promotional Period”).
6. To enter, individuals must complete the following steps during the Promotional Period:
a. Purchase any Eligible Product in the regions of Australia and New Zealand during the Promotional Period.
b. Eligible product means a 1Cover travel insurance policy purchased during the Promotional period.
7. Valid entries:
a. Incomplete or indecipherable entries will be deemed invalid.
b. If an individual instructs cancellation of their travel insurance policy, their entry will immediately be removed from the competition and they will no longer be eligible to win unless they purchase another Eligible Product.
8. Multiple entries permitted, subject to the following:
a. Only one (1) entry permitted per Eligible Product purchased; and
b. A maximum of one (1) prize per region (Australia and New Zealand).
9. The Promoter reserves the right, at any time, to verify the validity of entries and entrants (including an entrant’s identity, age and place of residence) and reserves the right, in its sole discretion, to disqualify any individual who the Promoter has reason to believe has breached any of these Terms and Conditions, tampered with the entry process engaged in any unlawful or other improper misconduct calculated to jeopardise fair and proper conduct of the Promotion. Errors and omissions may be accepted at the Promoter’s discretion. Failure by the Promoter to enforce any of its rights at any stage does not constitute a waiver of those rights. The Promoter’s legal rights to recover damages or other compensation from such an offender are reserved.
10. If there is a dispute as to the identity of an entrant, the Promoter reserves the right, in its sole discretion, to determine the identity of the entrant.
11. There will be one (1) draw conducted for both regions using the entries received throughout the Promotional Period. Valid entries into the draw will be selected between Promotional Period open and close based on Australian Eastern Standard Time (AEST).
12. The draw will take place at Level 11, 307 Pitt Street, Sydney, NSW, 2000 at 11:00am AEST on 01/10/2018. In the event that an invalid or ineligible entrant is drawn, The Promoter may draw additional reserve entries and record them in order.
13. Winners will be notified by email within two (2) business days of the relevant draw, and their names will be published online at www.1Cover.com.au and www.1cover.co.nz.
14. The Promoter’s decision is final and no correspondence will be entered into.
15. For Australia, the valid entry drawn will win AUD$5000, awarded to the winner being the named holder of the Eligible Product and sent to the nominated bank account in the winner’s name via an electronic funds transfer. For New Zealand, the first valid winning entry drawn will win NZD$5000, awarded to the winner being the named holder of the Eligible Product and sent to the nominated bank account in the winner’s name via an electronic funds transfer.
16. Subject to the unclaimed prize draw Clause 21, if for any reason a winner does not take a prize (or part of a prize) within five (5) business days of the draw, then the prize (or that part of the prize) will be forfeited.
17. The electronic transfer of the prize will happen within 30 days of the draw subject to the correct bank account details being supplied.
18. If the prize (or part of any prize) is unavailable, the Promoter, in its discretion, reserves the right to substitute the prize (or that part of the prize) with a prize to the equal value and/or specification, subject to any written directions from a regulatory authority.
19. Total prize pool value is AU$5000 and NZ$5000.
20. Prizes, or any unused portion of a prize, are not transferable or exchangeable and cannot be taken as cash, unless specified otherwise.
21. If any prize(s) remain unclaimed within five (5) business day of draw, a re-draw for any such prizes will take place on the sixth (6th) day after the initial draw at the same place as the original draws, subject to any directions from a regulatory authority. Winners, if any, will be notified by email and telephone within two (2) business days of the unclaimed prize draw and their names will be published online at www.1Cover.com.au and www.1Cover.co.nz.
22. Entrants consent to the Promoter using their name, likeness, image and/or voice in the event they are a winner (including photograph, film and/or recording of the same) in any media for an unlimited period without remuneration for the purpose of promoting this Promotion (including any outcome), and promoting any products manufactured, distributed and/or supplied by the Promoter.
23. If this Promotion is interfered with in any way or is not capable of being conducted as reasonably anticipated due to any reason beyond the reasonable control of the Promoter, including but not limited to technical difficulties, unauthorised intervention or fraud, the Promoter reserves the right, in its sole discretion, to the fullest extent permitted by law: (a) to disqualify any entrant; or (b) subject to any written directions from a regulatory authority, to modify, suspend, terminate or cancel the Promotion, as appropriate.
24. Nothing in these Terms and Conditions limits, excludes or modifies or purports to limit, exclude or modify the statutory consumer guarantees as provided under the Competition and continue sentence Consumer Act, as well as any other implied warranties under the ASIC Act or similar consumer protection laws in the States and Territories of Australia or any statutory consumer guarantees as provided under consumer protection laws in New Zealand (“Non-Excludable Guarantees”). Except for any liability that cannot by law be excluded, including the Non-Excludable Guarantees, the Promoter (including its respective officers, employees and agents) excludes all liability (including negligence), for any personal injury; or any loss or damage (including loss of opportunity); whether direct, indirect, special or consequential, arising in any way out of the Promotion.
25. Except for any liability that cannot by law be excluded, including the Non-Excludable Guarantees, the Promoter (including its respective officers, employees and agents) and its prize suppliers are not responsible for and excludes all liability (including negligence), for any personal injury; or any loss or damage (including loss of opportunity); whether direct, indirect, special or consequential, arising in any way out of: (a) any technical difficulties or equipment malfunction (whether or not under the Promoter’s control); (b) any theft, unauthorised access or third party interference; (c) any entry or prize claim that is late, lost, altered, damaged or misdirected (whether or not after their receipt by the Promoter) due to any reason beyond the reasonable control of the Promoter; (d) any variation in prize value to that stated in these Terms and Conditions; (e) any tax liability incurred by a winner or entrant; or (f) taking/use of and/or participation in a prize.
26. The Promoter collects personal information (“data”) in order to conduct the Promotion and may, for this purpose, disclose such data to third parties, including but not limited to agents, contractors, service providers, prize suppliers and, as required, to Australian or New Zealand regulatory authorities. Entry is conditional on providing this data. The Promoter will also use and handle data as set out in their Privacy Policy, which can be viewed at https://www.1cover.com.au/privacy (for Australian residents) or https://www.1cover.co.nz/privacy (for New Zealand residents). In addition to any use that may be outlined in their Privacy Policy, the Promoter may, for an indefinite period, unless otherwise advised, use the data for promotional, marketing, publicity, research and profiling purposes, including sending electronic messages or telephoning the entrants. The Privacy Policy also contains information about how entrants may opt out, access, update or correct their data, how entrants may complain about a breach of the Privacy Act, report a data breach, or any other applicable law and how those complaints will be dealt with. All entries become the property of the Promoter. Unless otherwise indicated by the Promoter, the Promoter may disclose personal information to entities outside of Australia (see the Promoter’s Privacy Policy for details).
27. The laws of Australia apply to this promotion to the exclusion of any other law. Entrants submit to the exclusive jurisdiction of the courts of Australia. NSW LPTS/18/25888; ACT TP 18/01267
1. Information on how to enter the August “The One Thing” promotion (“Promotion”) and the prizes form part of these Terms and Conditions. Participation in this Promotion is deemed acceptance of these Terms and Conditions.
2. The promoter is 1Cover Pty Ltd (ABN 91 105 954 265), an Authorised Representative of Coffre-Fort Pty Ltd ABN 66 125 358 518 AFS License No 472457 located at Level 11, 307 Pitt Street, Sydney, NSW, 2000 and 1Cover NZ Ltd, Company No. 1588084, FSP472306 located at level 11, 17 Albert Street, Auckland, 1010, New Zealand.
3. Entry is only open to residents of Australia and New Zealand aged 18 years or over.
4. Employees (and their immediate families) of the Promoter and agencies associated with this Promotion are ineligible to enter. Immediate family means any of the following: spouse, ex-spouse, de-facto spouse, child or step-child (whether natural or by adoption), parent, step-parent, grandparent, step-grandparent, uncle, aunt, niece, nephew, brother, sister, step-brother, step-sister or 1st cousin.
5. This Promotion commences at 00:01am AEST on 01/08/2018 and final entries close at 11:59pm AEST on 31/08/2018 (“Promotional Period”).
6. To enter, individuals must complete the following steps during the Promotional Period:
a. Purchase any Eligible Product in the regions of Australia and New Zealand during the Promotional Period.
b. Eligible product means a 1Cover travel insurance policy purchased during the Promotional period.
7. Valid entries:
a. Incomplete or indecipherable entries will be deemed invalid.
b. If an individual instructs cancellation of their travel insurance policy, their entry will immediately be removed from the competition and they will no longer be eligible to win unless they purchase another Eligible Product.
8. Multiple entries permitted, subject to the following:
a. Only one (1) entry permitted per Eligible Product purchased; and
b. A maximum of one (1) prize per region (Australia and New Zealand).
9. The Promoter reserves the right, at any time, to verify the validity of entries and entrants (including an entrant’s identity, age and place of residence) and reserves the right, in its sole discretion, to disqualify any individual who the Promoter has reason to believe has breached any of these Terms and Conditions, tampered with the entry process engaged in any unlawful or other improper misconduct calculated to jeopardise fair and proper conduct of the Promotion. Errors and omissions may be accepted at the Promoter’s discretion. Failure by the Promoter to enforce any of its rights at any stage does not constitute a waiver of those rights. The Promoter’s legal rights to recover damages or other compensation from such an offender are reserved.
10. If there is a dispute as to the identity of an entrant, the Promoter reserves the right, in its sole discretion, to determine the identity of the entrant.
11. There will be one (1) draw conducted for both regions using the entries received throughout the Promotional Period. Valid entries into the draw will be selected between Promotional Period open and close based on Australian Eastern Standard Time (AEST).
12. The draw will take place at Level 11, 307 Pitt Street, Sydney, NSW, 2000 at 11:00am AEST on 03/09/2018. In the event that an invalid or ineligible entrant is drawn, The Promoter may draw additional reserve entries and record them in order.
13. Winners will be notified by email within two (2) business days of the relevant draw, and their names will be published online at www.1Cover.com.au and www.1cover.co.nz.
14. The Promoter’s decision is final and no correspondence will be entered into.
15. For Australia, the valid entry drawn will win AUD$5000 worth of flight vouchers, awarded to the winner being the named holder of the Eligible Product and delivered to their nominated delivery address. For New Zealand, the first valid winning entry drawn will win NZD$5000 worth of flight vouchers, awarded to the winner being the named holder of the Eligible Product and delivered to their nominated delivery address.
16. Subject to the unclaimed prize draw Clause 20, if for any reason a winner does not take a prize (or part of a prize) within (5) business days of the draw, then the prize (or that part of the prize) will be forfeited.
17. The delivery of the prize will happen within 30 days of the draw subject to the correct delivery address details being supplied.
18. If the prize (or part of any prize) is unavailable, the Promoter, in its discretion, reserves the right to substitute the prize (or that part of the prize) with a prize to the equal value and/or specification, subject to any written directions from a regulatory authority.
19. Total prize pool value is up to AU$5000 and NZ$5000.
20. Prizes, or any unused portion of a prize, are not transferable or exchangeable and cannot be taken as cash, unless specified otherwise.
21. If any prize(s) remain unclaimed within (5) business day of draw, a re-draw for any such prizes will take place on the 6th day after the initial draw at the same place as the original draws, subject to any directions from a regulatory authority. Winners, if any, will be notified by email and telephone within two (2) business days of the unclaimed prize draw and their names will be published online at www.1Cover.com.au and www.1Cover.co.nz.
22. Entrants consent to the Promoter using their name, likeness, image and/or voice in the event they are a winner (including photograph, film and/or recording of the same) in any media for an unlimited period without remuneration for the purpose of promoting this Promotion (including any outcome), and promoting any products manufactured, distributed and/or supplied by the Promoter.
23. If this Promotion is interfered with in any way or is not capable of being conducted as reasonably anticipated due to any reason beyond the reasonable control of the Promoter, including but not limited to technical difficulties, unauthorised intervention or fraud, the Promoter reserves the right, in its sole discretion, to the fullest extent permitted by law: (a) to disqualify any entrant; or (b) subject to any written directions from a regulatory authority, to modify, suspend, terminate or cancel the Promotion, as appropriate.
24. Nothing in these Terms and Conditions limits, excludes or modifies or purports to limit, exclude or modify the statutory consumer guarantees as provided under the Competition and continue sentence Consumer Act, as well as any other implied warranties under the ASIC Act or similar consumer protection laws in the States and Territories of Australia or any statutory consumer guarantees as provided under consumer protection laws in New Zealand (“Non-Excludable Guarantees”). Except for any liability that cannot by law be excluded, including the Non-Excludable Guarantees, the Promoter (including its respective officers, employees and agents) excludes all liability (including negligence), for any personal injury; or any loss or damage (including loss of opportunity); whether direct, indirect, special or consequential, arising in any way out of the Promotion.
25. Except for any liability that cannot by law be excluded, including the Non-Excludable Guarantees, the Promoter (including its respective officers, employees and agents) and its prize suppliers are not responsible for and excludes all liability (including negligence), for any personal injury; or any loss or damage (including loss of opportunity); whether direct, indirect, special or consequential, arising in any way out of: (a) any technical difficulties or equipment malfunction (whether or not under the Promoter’s control); (b) any theft, unauthorised access or third party interference; (c) any entry or prize claim that is late, lost, altered, damaged or misdirected (whether or not after their receipt by the Promoter) due to any reason beyond the reasonable control of the Promoter; (d) any variation in prize value to that stated in these Terms and Conditions; (e) any tax liability incurred by a winner or entrant; or (f) taking/use of and/or participation in a prize.
26. The Promoter collects personal information (“data”) in order to conduct the Promotion and may, for this purpose, disclose such data to third parties, including but not limited to agents, contractors, service providers, prize suppliers and, as required, to Australian or New Zealand regulatory authorities. Entry is conditional on providing this data. The Promoter will also use and handle data as set out in their Privacy Policy, which can be viewed at https://www.1cover.com.au/privacy (for Australian residents) or https://www.1cover.co.nz/privacy (for New Zealand residents). In addition to any use that may be outlined in their Privacy Policy, the Promoter may, for an indefinite period, unless otherwise advised, use the data for promotional, marketing, publicity, research and profiling purposes, including sending electronic messages or telephoning the entrants. The Privacy Policy also contains information about how entrants may opt out, access, update or correct their data, how entrants may complain about a breach of the Privacy Act, report a data breach, or any other applicable law and how those complaints will be dealt with. All entries become the property of the Promoter. Unless otherwise indicated by the Promoter, the Promoter may disclose personal information to entities outside of Australia (see the Promoter’s Privacy Policy for details).
27. The laws of Australia apply to this promotion to the exclusion of any other law. Entrants submit to the exclusive jurisdiction of the courts of Australia. NSW LTPS/18/25655; ACT TP 18/0116
1. Information on how to enter the July “Daily Dollars” promotion (“Promotion”) and the prizes form part of these Terms and Conditions. Participation in this Promotion is deemed acceptance of these Terms and Conditions.
2. The promoter is 1Cover Pty Ltd (ABN 91 105 954 265), an Authorised Representative of Coffre-Fort Pty Ltd ABN 66 125 358 518 AFS License No 472457 located at Level 11, 307 Pitt Street, Sydney, NSW, 2000 and 1Cover NZ Ltd, Company No. 1588084, FSP472306 located at level 11, 17 Albert Street, Auckland, 1010, New Zealand.
3. Entry is only open to residents of Australia and New Zealand aged 18 years or over.
4. Employees (and their immediate families) of the Promoter and agencies associated with this Promotion are ineligible to enter. Immediate family means any of the following: spouse, ex-spouse, de-facto spouse, child or step-child (whether natural or by adoption), parent, step-parent, grandparent, step-grandparent, uncle, aunt, niece, nephew, brother, sister, step-brother, step-sister or 1st cousin.
5. This Promotion commences at 00:01am AEST on 01/07/2018 and final entries close at 11:59pm AEST on 31/07/2018 (“Promotional Period”).
6. To enter, individuals must complete the following steps during the Promotional Period:
a. Purchase any Eligible Product in the regions of Australia and New Zealand during the Promotional Period.
b. Eligible product means a 1Cover travel insurance policy purchased during the Promotional period.
7. Valid entries:
a. Incomplete or indecipherable entries will be deemed invalid.
b. If an individual instructs cancellation of their travel insurance policy, their entry will immediately be removed from the competition and they will no longer be eligible to win unless they purchase another Eligible Product.
8. Multiple entries permitted, subject to the following:
a. Only one (1) entry permitted per Eligible Product purchased; and
b. A maximum of one (1) prize per region (Australia and New Zealand).
9. The Promoter reserves the right, at any time, to verify the validity of entries and entrants (including an entrant’s identity, age and place of residence) and reserves the right, in its sole discretion, to disqualify any individual who the Promoter has reason to believe has breached any of these Terms and Conditions, tampered with the entry process engaged in any unlawful or other improper misconduct calculated to jeopardise fair and proper conduct of the Promotion. Errors and omissions may be accepted at the Promoter’s discretion. Failure by the Promoter to enforce any of its rights at any stage does not constitute a waiver of those rights. The Promoter’s legal rights to recover damages or other compensation from such an offender are reserved.
10. If there is a dispute as to the identity of an entrant, the Promoter reserves the right, in its sole discretion, to determine the identity of the entrant.
11. There will be one (1) draw conducted for the entries in both regions received up to that date of the Promotional Period (each a “Daily Draw”), for a total of thirty-one (31) Daily Draws. Valid entries into the draw will be selected between Promotional Period open and close based on Australian Eastern Standard Time (AEST).
12. All draws will take place at Level 11, 307 Pitt Street, Sydney, NSW, 2000 at 11:00am AEST. Each Daily Draw will take place on the next day after entries close for that Daily Draw, with the first Daily Draw taking place on 02/07/2018, and the last Daily Draw taking place on 01/08/2018. In the event that an invalid or ineligible entrant is drawn, The Promoter may draw additional reserve entries and record them in order.
13. Winners will be notified by phone and email within two (2) business days of the relevant draw, and their names will be published online at www.1Cover.com.au and www.1cover.co.nz.
14. The Promoter’s decision is final and no correspondence will be entered into.
15. For Australia, the first valid entry drawn in each Daily Draw will win AUD$1,000, awarded to the winner being the named holder of the Eligible Product and sent to the nominated bank account in the winner’s name via an electronic funds transfer. For the sake of clarity, Australian winners will receive AUD$1,000. For New Zealand, the first valid entry drawn in each Daily Draw will win NZD$501, awarded to the winner being the named holder of the Eligible Product and sent to the nominated bank account in the winner’s name via an electronic funds transfer. For the sake of clarity, New Zealand winners will receive NZD$501.
16. Subject to the unclaimed prize draw Clause 21, if for any reason a winner does not take a prize (or part of a prize) within (3) months of the draw, then the prize (or that part of the prize) will be forfeited.
17. The transfer of the prize will happen within 30 days of the draw subject to the correct bank account details being supplied.
18. If the prize (or part of any prize) is unavailable, the Promoter, in its discretion, reserves the right to substitute the prize (or that part of the prize) with a prize to the equal value and/or specification, subject to any written directions from a regulatory authority.
19. Total prize pool value is up to AU$31,000 and NZ$15,531.
20. Prizes, or any unused portion of a prize, are not transferable or exchangeable and cannot be taken as cash, unless specified otherwise.
21. If any prize(s) remain unclaimed within three (3) months of the draw, a re-draw for any such prizes will take place three (3) months after the initial draw at the same place as the original draws, subject to any directions from a regulatory authority. Winners, if any, will be notified by email and telephone within (2) business days of the unclaimed prize draw and their names will be published online at www.1Cover.com.au or www.1Cover.co.nz.
22. Entrants consent to the Promoter using their name, likeness, image and/or voice in the event they are a winner (including photograph, film and/or recording of the same) in any media for an unlimited period without remuneration for the purpose of promoting this Promotion (including any outcome), and promoting any products manufactured, distributed and/or supplied by the Promoter.
23. If this Promotion is interfered with in any way or is not capable of being conducted as reasonably anticipated due to any reason beyond the reasonable control of the Promoter, including but not limited to technical difficulties, unauthorised intervention or fraud, the Promoter reserves the right, in its sole discretion, to the fullest extent permitted by law: (a) to disqualify any entrant; or (b) subject to any written directions from a regulatory authority, to modify, suspend, terminate or cancel the Promotion, as appropriate.
24. Nothing in these Terms and Conditions limits, excludes or modifies or purports to limit, exclude or modify the statutory consumer guarantees as provided under the Competition and continue sentence Consumer Act, as well as any other implied warranties under the ASIC Act or similar consumer protection laws in the States and Territories of Australia or any statutory consumer guarantees as provided under consumer protection laws in New Zealand (“Non-Excludable Guarantees”). Except for any liability that cannot by law be excluded, including the Non-Excludable Guarantees, the Promoter (including its respective officers, employees and agents) excludes all liability (including negligence), for any personal injury; or any loss or damage (including loss of opportunity); whether direct, indirect, special or consequential, arising in any way out of the Promotion.
25. Except for any liability that cannot by law be excluded, including the Non-Excludable Guarantees, the Promoter (including its respective officers, employees and agents) and its prize suppliers are not responsible for and excludes all liability (including negligence), for any personal injury; or any loss or damage (including loss of opportunity); whether direct, indirect, special or consequential, arising in any way out of: (a) any technical difficulties or equipment malfunction (whether or not under the Promoter’s control); (b) any theft, unauthorised access or third party interference; (c) any entry or prize claim that is late, lost, altered, damaged or misdirected (whether or not after their receipt by the Promoter) due to any reason beyond the reasonable control of the Promoter; (d) any variation in prize value to that stated in these Terms and Conditions; (e) any tax liability incurred by a winner or entrant; or (f) taking/use of and/or participation in a prize.
26. The Promoter collects personal information (“data”) in order to conduct the Promotion and may, for this purpose, disclose such data to third parties, including but not limited to agents, contractors, service providers, prize suppliers and, as required, to Australian or New Zealand regulatory authorities. Entry is conditional on providing this data. The Promoter will also use and handle data as set out in their Privacy Policy, which can be viewed at https://www.1cover.com.au/privacy (for Australian residents) or https://www.1cover.co.nz/privacy (for New Zealand residents). In addition to any use that may be outlined in their Privacy Policy, the Promoter may, for an indefinite period, unless otherwise advised, use the data for promotional, marketing, publicity, research and profiling purposes, including sending electronic messages or telephoning the entrants. The Privacy Policy also contains information about how entrants may opt out, access, update or correct their data, how entrants may complain about a breach of the Privacy Act, report a data breach, or any other applicable law and how those complaints will be dealt with. All entries become the property of the Promoter. Unless otherwise indicated by the Promoter, the Promoter may disclose personal information to entities outside of Australia (see the Promoter’s Privacy Policy for details).
27. The laws of Australia apply to this promotion to the exclusion of any other law. Entrants submit to the exclusive jurisdiction of the courts of Australia. NSW LTPS/18/25173; ACT TP 18/01086; SA T18/1018
"Next Travel Date" $10 Discount Terms: $10 Discount Terms, conditions, limits and exclusions apply. Always read the Product Disclosure Statement (PDS) before purchasing. The discount is valid for Comprehensive policies purchased between 6 June 2018 and 30 June 2018. The discount cannot be used in conjunction with any other 1Cover offer. 1Cover retains the right to retract the offer at any time. The discount has no cash or refund value, except when redeemed in accordance with the terms and conditions of this offer. The discount is only available to customers who have received the "Next Travel Date" campaign email. The discount may only be redeemed one (1) time per customer on the Comprehensive product using the links within this email and cannot be redeemed via the Call Centre. The discount cannot be applied to policies that have started and not expired/or have expired. The discount does not apply to any medical loading, heli-skiing, excess removal or any other policy addons. 1Cover reserves the right to amend these conditions at any time.
1. Information on how to enter the June “The One Thing” promotion (“Promotion”) and the prizes form part of these Terms and Conditions. Participation in this Promotion is deemed acceptance of these Terms and Conditions.
2. The promoter is 1Cover Pty Ltd (ABN 91 105 954 265), an Authorised Representative of Coffre-Fort Pty Ltd ABN 66 125 358 518 AFS License No 472457 located at Level 11, 307 Pitt Street, Sydney, NSW, 2000 and 1Cover NZ Ltd, Company No. 1588084, FSP472306 located at level 11, 17 Albert Street, Auckland, 1010, New Zealand.
3. Entry is only open to residents of Australia and New Zealand aged 18 years or over.
4. Employees (and their immediate families) of the Promoter and agencies associated with this Promotion are ineligible to enter. Immediate family means any of the following: spouse, ex-spouse, de-facto spouse, child or step-child (whether natural or by adoption), parent, step-parent, grandparent, step-grandparent, uncle, aunt, niece, nephew, brother, sister, step-brother, step-sister or 1st cousin.
5. This Promotion commences at 00:01am AEST on 05/06/2018 and final entries close at 11:59pm AEST on 30/06/2018 (“Promotional Period”).
6. To enter, individuals must complete the following steps during the Promotional Period:
a. Purchase any Eligible Product in the regions of Australia and New Zealand during the Promotional Period.
b. Eligible product means a 1Cover travel insurance policy purchased during the Promotional period.
7. Valid entries:
a. Incomplete or indecipherable entries will be deemed invalid.
b. If an individual instructs cancellation of their travel insurance policy, their entry will immediately be removed from the competition and they will no longer be eligible to win unless they purchase another Eligible Product.
8. Multiple entries permitted, subject to the following:
a. Only one (1) entry permitted per Eligible Product purchased; and
b. A maximum of one (1) prize per region (Australia and New Zealand).
9. The Promoter reserves the right, at any time, to verify the validity of entries and entrants (including an entrant’s identity, age and place of residence) and reserves the right, in its sole discretion, to disqualify any individual who the Promoter has reason to believe has breached any of these Terms and Conditions, tampered with the entry process engaged in any unlawful or other improper misconduct calculated to jeopardise fair and proper conduct of the Promotion. Errors and omissions may be accepted at the Promoter’s discretion. Failure by the Promoter to enforce any of its rights at any stage does not constitute a waiver of those rights. The Promoter’s legal rights to recover damages or other compensation from such an offender are reserved.
10. If there is a dispute as to the identity of an entrant, the Promoter reserves the right, in its sole discretion, to determine the identity of the entrant.
11. There will be one (1) draw conducted for the entries in both regions received each week throughout the Promotional Period (each a “Weekly Draw”), for a total of four (4) Weekly Draws. Draws may take place up to 8 business days apart. Valid entries into the draw will be selected between Promotional Period open and close based on Australian Eastern Standard Time (AEST).
12. All weekly draws will take place at Level 11, 307 Pitt Street, Sydney, NSW, 2000 at 11:00am AEST with the first draw on 12/06/2018. Each weekly draw will take place up to eight (8) days after entries close for that weekly draw. The first Weekly Draw taking place on 12/06/2018, the second Weekly Draw taking place on 19/06/2018, the third Weekly Draw taking place on 26/06/2018, and the final Weekly Draw taking place on 02/07/2018. In the event that an invalid or ineligible entrant is drawn, The Promoter may draw additional reserve entries and record them in order.
13. Winners will be notified by email within two (2) business days of the relevant draw, and their names will be published online at www.1Cover.com.au and www.1cover.co.nz.
14. The Promoter’s decision is final and no correspondence will be entered into.
15. For Australia, the first valid entry drawn in each Weekly Draw will win AUD$1,250 loaded on a travel cash card, awarded to the winner being the named holder of the Eligible Product and delivered to their nominated delivery address. For New Zealand, the first valid entry drawn in each Weekly Draw will win NZD$1,250 loaded on a travel cash card, awarded to the winner being the named holder of the Eligible Product and delivered to their nominated delivery address.
16. Subject to the unclaimed prize draw Clause 21, if for any reason a winner does not take a prize (or part of a prize) within (5) business days of the draw, then the prize (or that part of the prize) will be forfeited.
17. The delivery of the prize will happen within 30 days of the draw subject to the correct delivery address details being supplied.
18. If the prize (or part of any prize) is unavailable, the Promoter, in its discretion, reserves the right to substitute the prize (or that part of the prize) with a prize to the equal value and/or specification, subject to any written directions from a regulatory authority.
19. Total prize pool value is up to AU$5000 and NZ$5000.
20. Prizes, or any unused portion of a prize, are not transferable or exchangeable and cannot be taken as cash, unless specified otherwise.
21. If any prize(s) remain unclaimed within (5) business day of draw, a re-draw for any such prizes will take place on the 6th day after the initial draw at the same place as the original draws, subject to any directions from a regulatory authority. Winners, if any, will be notified by email and telephone within two (2) business days of the unclaimed prize draw and their names will be published online at www.1Cover.com.au and www.1Cover.co.nz.
22. Entrants consent to the Promoter using their name, likeness, image and/or voice in the event they are a winner (including photograph, film and/or recording of the same) in any media for an unlimited period without remuneration for the purpose of promoting this Promotion (including any outcome), and promoting any products manufactured, distributed and/or supplied by the Promoter.
23. If this Promotion is interfered with in any way or is not capable of being conducted as reasonably anticipated due to any reason beyond the reasonable control of the Promoter, including but not limited to technical difficulties, unauthorised intervention or fraud, the Promoter reserves the right, in its sole discretion, to the fullest extent permitted by law: (a) to disqualify any entrant; or (b) subject to any written directions from a regulatory authority, to modify, suspend, terminate or cancel the Promotion, as appropriate.
24. Nothing in these Terms and Conditions limits, excludes or modifies or purports to limit, exclude or modify the statutory consumer guarantees as provided under the Competition and continue sentence Consumer Act, as well as any other implied warranties under the ASIC Act or similar consumer protection laws in the States and Territories of Australia or any statutory consumer guarantees as provided under consumer protection laws in New Zealand (“Non-Excludable Guarantees”). Except for any liability that cannot by law be excluded, including the Non-Excludable Guarantees, the Promoter (including its respective officers, employees and agents) excludes all liability (including negligence), for any personal injury; or any loss or damage (including loss of opportunity); whether direct, indirect, special or consequential, arising in any way out of the Promotion.
25. Except for any liability that cannot by law be excluded, including the Non-Excludable Guarantees, the Promoter (including its respective officers, employees and agents) and its prize suppliers are not responsible for and excludes all liability (including negligence), for any personal injury; or any loss or damage (including loss of opportunity); whether direct, indirect, special or consequential, arising in any way out of: (a) any technical difficulties or equipment malfunction (whether or not under the Promoter’s control); (b) any theft, unauthorised access or third party interference; (c) any entry or prize claim that is late, lost, altered, damaged or misdirected (whether or not after their receipt by the Promoter) due to any reason beyond the reasonable control of the Promoter; (d) any variation in prize value to that stated in these Terms and Conditions; (e) any tax liability incurred by a winner or entrant; or (f) taking/use of and/or participation in a prize.
26. The Promoter collects personal information (“data”) in order to conduct the Promotion and may, for this purpose, disclose such data to third parties, including but not limited to agents, contractors, service providers, prize suppliers and, as required, to Australian or New Zealand regulatory authorities. Entry is conditional on providing this data. The Promoter will also use and handle data as set out in their Privacy Policy, which can be viewed at https://www.1cover.com.au/privacy (for Australian residents) or https://www.1cover.co.nz/privacy (for New Zealand residents). In addition to any use that may be outlined in their Privacy Policy, the Promoter may, for an indefinite period, unless otherwise advised, use the data for promotional, marketing, publicity, research and profiling purposes, including sending electronic messages or telephoning the entrants. The Privacy Policy also contains information about how entrants may opt out, access, update or correct their data, how entrants may complain about a breach of the Privacy Act, report a data breach, or any other applicable law and how those complaints will be dealt with. All entries become the property of the Promoter. Unless otherwise indicated by the Promoter, the Promoter may disclose personal information to entities outside of Australia (see the Promoter’s Privacy Policy for details).
27. The laws of Australia apply to this promotion to the exclusion of any other law. Entrants submit to the exclusive jurisdiction of the courts of Australia. NSW LTPS/18/24919; ACT TP 18/00989
1. Information on how to enter the May “The One Thing” promotion (“Promotion”) and the prizes form part of these Terms and Conditions. Participation in this Promotion is deemed acceptance of these Terms and Conditions.
2. The promoter is 1Cover Pty Ltd (ABN 91 105 954 265), an Authorised Representative of Coffre-Fort Pty Ltd ABN 66 125 358 518 AFS License No 472457 located at Level 11, 307 Pitt Street, Sydney, NSW, 2000 and 1Cover NZ Ltd, Company No. 1588084, FSP472306 located at level 11, 17 Albert Street, Auckland, 1010, New Zealand.
3. Entry is only open to residents of Australia and New Zealand aged 18 years or over.
4. Employees (and their immediate families) of the Promoter and agencies associated with this Promotion are ineligible to enter. Immediate family means any of the following: spouse, ex-spouse, de-facto spouse, child or step-child (whether natural or by adoption), parent, step-parent, grandparent, step-grandparent, uncle, aunt, niece, nephew, brother, sister, step-brother, step-sister or 1st cousin.
5. This Promotion commences at 00:01am AEST on 01/05/2018 and final entries close at 11:59pm AEST on 31/05/2018 (“Promotional Period”).
6. To enter, individuals must complete the following steps during the Promotional Period:
a. Purchase any Eligible Product in the regions of Australia and New Zealand during the Promotional Period.
b. Eligible product means a 1Cover travel insurance policy purchased during the Promotional period.
7. Valid entries:
a. Incomplete or indecipherable entries will be deemed invalid.
b. If an individual instructs cancellation of their travel insurance policy, their entry will immediately be removed from the competition and they will no longer be eligible to win unless they purchase another Eligible Product.
8. Multiple entries permitted, subject to the following:
a. Only one (1) entry permitted per Eligible Product purchased; and
b. A maximum of one (1) prize per region (Australia and New Zealand).
9. The Promoter reserves the right, at any time, to verify the validity of entries and entrants (including an entrant’s identity, age and place of residence) and reserves the right, in its sole discretion, to disqualify any individual who the Promoter has reason to believe has breached any of these Terms and Conditions, tampered with the entry process engaged in any unlawful or other improper misconduct calculated to jeopardise fair and proper conduct of the Promotion. Errors and omissions may be accepted at the Promoter’s discretion. Failure by the Promoter to enforce any of its rights at any stage does not constitute a waiver of those rights. The Promoter’s legal rights to recover damages or other compensation from such an offender are reserved.
10. If there is a dispute as to the identity of an entrant, the Promoter reserves the right, in its sole discretion, to determine the identity of the entrant.
11. There will be one (1) draw conducted for both regions using the entries received throughout the Promotional Period. Valid entries into the draw will be selected between Promotional Period open and close based on Australian Eastern Standard Time (AEST).
12. The draw will take place at Level 11, 307 Pitt Street, Sydney, NSW, 2000 at 11:00am AEST on 01/06/2018. In the event that an invalid or ineligible entrant is drawn, The Promoter may draw additional reserve entries and record them in order.
13. Winners will be notified by email within two (2) business days of the relevant draw, and their names will be published online at www.1Cover.com.au and www.1cover.co.nz.
14. The Promoter’s decision is final and no correspondence will be entered into.
15. For Australia, the valid entry drawn will win AUD$5000 worth of flight vouchers, awarded to the winner being the named holder of the Eligible Product and delivered to their nominated delivery address. For New Zealand, the first valid winning entry drawn will win NZD$5000 worth of flight vouchers, awarded to the winner being the named holder of the Eligible Product and delivered to their nominated delivery address.
16. Subject to the unclaimed prize draw Clause 20, if for any reason a winner does not take a prize (or part of a prize) within (5) business days of the draw, then the prize (or that part of the prize) will be forfeited.
17. The delivery of the prize will happen within 30 days of the draw subject to the correct delivery address details being supplied.
18. If the prize (or part of any prize) is unavailable, the Promoter, in its discretion, reserves the right to substitute the prize (or that part of the prize) with a prize to the equal value and/or specification, subject to any written directions from a regulatory authority.
19. Total prize pool value is up to AU$5000 and NZ$5000.
20. Prizes, or any unused portion of a prize, are not transferable or exchangeable and cannot be taken as cash, unless specified otherwise.
21. If any prize(s) remain unclaimed within (5) business day of draw, a re-draw for any such prizes will take place on the 6th day after the initial draw at the same place as the original draws, subject to any directions from a regulatory authority. Winners, if any, will be notified by email and telephone within two (2) business days of the unclaimed prize draw and their names will be published online at www.1Cover.com.au and www.1Cover.co.nz.
22. Entrants consent to the Promoter using their name, likeness, image and/or voice in the event they are a winner (including photograph, film and/or recording of the same) in any media for an unlimited period without remuneration for the purpose of promoting this Promotion (including any outcome), and promoting any products manufactured, distributed and/or supplied by the Promoter.
23. If this Promotion is interfered with in any way or is not capable of being conducted as reasonably anticipated due to any reason beyond the reasonable control of the Promoter, including but not limited to technical difficulties, unauthorised intervention or fraud, the Promoter reserves the right, in its sole discretion, to the fullest extent permitted by law: (a) to disqualify any entrant; or (b) subject to any written directions from a regulatory authority, to modify, suspend, terminate or cancel the Promotion, as appropriate.
24. Nothing in these Terms and Conditions limits, excludes or modifies or purports to limit, exclude or modify the statutory consumer guarantees as provided under the Competition and continue sentence Consumer Act, as well as any other implied warranties under the ASIC Act or similar consumer protection laws in the States and Territories of Australia or any statutory consumer guarantees as provided under consumer protection laws in New Zealand (“Non-Excludable Guarantees”). Except for any liability that cannot by law be excluded, including the Non-Excludable Guarantees, the Promoter (including its respective officers, employees and agents) excludes all liability (including negligence), for any personal injury; or any loss or damage (including loss of opportunity); whether direct, indirect, special or consequential, arising in any way out of the Promotion.
25. Except for any liability that cannot by law be excluded, including the Non-Excludable Guarantees, the Promoter (including its respective officers, employees and agents) and its prize suppliers are not responsible for and excludes all liability (including negligence), for any personal injury; or any loss or damage (including loss of opportunity); whether direct, indirect, special or consequential, arising in any way out of: (a) any technical difficulties or equipment malfunction (whether or not under the Promoter’s control); (b) any theft, unauthorised access or third party interference; (c) any entry or prize claim that is late, lost, altered, damaged or misdirected (whether or not after their receipt by the Promoter) due to any reason beyond the reasonable control of the Promoter; (d) any variation in prize value to that stated in these Terms and Conditions; (e) any tax liability incurred by a winner or entrant; or (f) taking/use of and/or participation in a prize.
26. The Promoter collects personal information (“data”) in order to conduct the Promotion and may, for this purpose, disclose such data to third parties, including but not limited to agents, contractors, service providers, prize suppliers and, as required, to Australian or New Zealand regulatory authorities. Entry is conditional on providing this data. The Promoter will also use and handle data as set out in their Privacy Policy, which can be viewed at https://www.1cover.com.au/privacy (for Australian residents) or https://www.1cover.co.nz/privacy (for New Zealand residents). In addition to any use that may be outlined in their Privacy Policy, the Promoter may, for an indefinite period, unless otherwise advised, use the data for promotional, marketing, publicity, research and profiling purposes, including sending electronic messages or telephoning the entrants. The Privacy Policy also contains information about how entrants may opt out, access, update or correct their data, how entrants may complain about a breach of the Privacy Act, report a data breach, or any other applicable law and how those complaints will be dealt with. All entries become the property of the Promoter. Unless otherwise indicated by the Promoter, the Promoter may disclose personal information to entities outside of Australia (see the Promoter’s Privacy Policy for details).
27. The laws of Australia apply to this promotion to the exclusion of any other law. Entrants submit to the exclusive jurisdiction of the courts of Australia. NSW LTPS/18/23798; ACT TP 18/00733
1. Information on how to enter the April “The One Thing” promotion (“Promotion”) and the prizes form part of these Terms and Conditions. Participation in this Promotion is deemed acceptance of these Terms and Conditions.
2. The promoter is 1Cover Pty Ltd (ABN 91 105 954 265), an Authorised Representative of Coffre-Fort Pty Ltd ABN 66 125 358 518 AFS License No 472457 located at Level 11, 307 Pitt Street, Sydney, NSW, 2000 and 1Cover NZ Ltd, Company No. 1588084, FSP472306 located at level 11, 17 Albert Street, Auckland, 1010, New Zealand.
3. Entry is only open to residents of Australia and New Zealand aged 18 years or over.
4. Employees (and their immediate families) of the Promoter and agencies associated with this Promotion are ineligible to enter. Immediate family means any of the following: spouse, ex-spouse, de-facto spouse, child or step-child (whether natural or by adoption), parent, step-parent, grandparent, step-grandparent, uncle, aunt, niece, nephew, brother, sister, step-brother, step-sister or 1st cousin.
5. This Promotion commences at 00:01am AEST on 02/04/2018 and final entries close at 11:59pm AEST on 30/04/2018 (“Promotional Period”).
6. To enter, individuals must complete the following steps during the Promotional Period:
a. Purchase any Eligible Product in the regions of Australia or New Zealand during the Promotional Period. b. An Eligible Product means a 1Cover Travel Insurance policy.
7. Valid entries: a. Incomplete or indecipherable entries will be deemed invalid; b. If an individual instructs cancellation of their travel insurance policy, their entry will immediately be removed from the competition and they will no longer be eligible to win unless they purchase another Eligible Product.
8. Multiple entries permitted, subject to the following: a. Only one (1) entry permitted per Eligible Product purchased; and b. A maximum of one (1) prize per region (Australia and New Zealand).
9. The Promoter reserves the right, at any time, to verify the validity of entries and entrants (including an entrant’s identity, age and place of residence) and reserves the right, in its sole discretion, to disqualify any individual who the Promoter has reason to believe has breached any of these Terms and Conditions, tampered with the entry process engaged in any unlawful or other improper misconduct calculated to jeopardise fair and proper conduct of the Promotion. Errors and omissions may be accepted at the Promoter’s discretion. Failure by the Promoter to enforce any of its rights at any stage does not constitute a waiver of those rights. The Promoter’s legal rights to recover damages or other compensation from such an offender are reserved.
10. If there is a dispute as to the identity of an entrant, the Promoter reserves the right, in its sole discretion, to determine the identity of the entrant.
11. There will be one (1) draw conducted for both regions using the entries received throughout the Promotional Period. Valid entries into the draw will be selected between Promotional Period open and close based on Australian Eastern Standard Time (AEST).
12. The draw will take place at Level 11, 307 Pitt Street, Sydney, NSW, 2000 at 11:00am AEST on 01/05/2018. In the event that an invalid or ineligible entrant is drawn, The Promoter may draw additional reserve entries and record them in order.
13. Winners will be notified by email within two (2) business days of the relevant draw, and their names will be published online at www.1Cover.com.au and www.1cover.co.nz.
14. The Promoter’s decision is final and no correspondence will be entered into.
15. For Australia, the valid entry drawn will win AUD$5000 worth of Westfield Gift Cards, awarded to the winner being the named holder of the Eligible Product and delivered to their nominated delivery address. For New Zealand, the first valid winning entry drawn will win NZD$5000 worth of gift vouchers, awarded to the winner being the named holder of the Eligible Product and delivered to their nominated delivery address.
16. Subject to the unclaimed prize draw Clause 20, if for any reason a winner does not take a prize (or part of a prize) within (5) business days of the draw, then the prize (or that part of the prize) will be forfeited.16. Subject to the unclaimed prize
17. Some retailers may choose not to accept Westfield Gift Cards. Westfield Gift Card terms and conditions apply. Issued by Westfield Gift Cards Pty ACN 113171663
18. The delivery of the prize will happen within 30 days of the draw subject to the correct delivery address details being supplied.
19. If the prize (or part of any prize) is unavailable, the Promoter, in its discretion, reserves the right to substitute the prize (or that part of the prize) with a prize to the equal value and/or specification, subject to any written directions from a regulatory authority.
20. Total prize pool value is up to AU$5000 and NZ$5000.
21. Prizes, or any unused portion of a prize, are not transferable or exchangeable and cannot be taken as cash, unless specified otherwise.
22. If any prize(s) remain unclaimed within (5) business day of draw, a re-draw for any such prizes will take place on the 6th day after the initial draw at the same place as the original draws, subject to any directions from a regulatory authority. Winners, if any, will be notified by email and telephone within two (2) business days of the unclaimed prize draw and their names will be published online at www.1Cover.com.au and www.1Cover.co.nz.
23. Entrants consent to the Promoter using their name, likeness, image and/or voice in the event they are a winner (including photograph, film and/or recording of the same) in any media for an unlimited period without remuneration for the purpose of promoting this Promotion (including any outcome), and promoting any products manufactured, distributed and/or supplied by the Promoter.
24. If this Promotion is interfered with in any way or is not capable of being conducted as reasonably anticipated due to any reason beyond the reasonable control of the Promoter, including but not limited to technical difficulties, unauthorised intervention or fraud, the Promoter reserves the right, in its sole discretion, to the fullest extent permitted by law: (a) to disqualify any entrant; or (b) subject to any written directions from a regulatory authority, to modify, suspend, terminate or cancel the Promotion, as appropriate.
25. Nothing in these Terms and Conditions limits, excludes or modifies or purports to limit, exclude or modify the statutory consumer guarantees as provided under the Competition and continue sentence Consumer Act, as well as any other implied warranties under the ASIC Act or similar consumer protection laws in the States and Territories of Australia or any statutory consumer guarantees as provided under consumer protection laws in New Zealand (“Non-Excludable Guarantees”). Except for any liability that cannot by law be excluded, including the Non-Excludable Guarantees, the Promoter (including its respective officers, employees and agents) excludes all liability (including negligence), for any personal injury; or any loss or damage (including loss of opportunity); whether direct, indirect, special or consequential, arising in any way out of the Promotion.
26. Except for any liability that cannot by law be excluded, including the Non-Excludable Guarantees, the Promoter (including its respective officers, employees and agents) and its prize suppliers are not responsible for and excludes all liability (including negligence), for any personal injury; or any loss or damage (including loss of opportunity); whether direct, indirect, special or consequential, arising in any way out of: (a) any technical difficulties or equipment malfunction (whether or not under the Promoter’s control); (b) any theft, unauthorised access or third party interference; (c) any entry or prize claim that is late, lost, altered, damaged or misdirected (whether or not after their receipt by the Promoter) due to any reason beyond the reasonable control of the Promoter; (d) any variation in prize value to that stated in these Terms and Conditions; (e) any tax liability incurred by a winner or entrant; or (f) taking/use of and/or participation in a prize.
27. The Promoter collects personal information (“data”) in order to conduct the Promotion and may, for this purpose, disclose such data to third parties, including but not limited to agents, contractors, service providers, prize suppliers and, as required, to Australian or New Zealand regulatory authorities. Entry is conditional on providing this data. The Promoter will also use and handle data as set out in their Privacy Policy, which can be viewed at https://www.1cover.com.au/privacy (for Australian residents) or https://www.1cover.co.nz/privacy (for New Zealand residents). In addition to any use that may be outlined in their Privacy Policy, the Promoter may, for an indefinite period, unless otherwise advised, use the data for promotional, marketing, publicity, research and profiling purposes, including sending electronic messages or telephoning the entrants. The Privacy Policy also contains information about how entrants may opt out, access, update or correct their data, how entrants may complain about a breach of the Privacy Act, report a data breach, or any other applicable law and how those complaints will be dealt with. All entries become the property of the Promoter. Unless otherwise indicated by the Promoter, the Promoter may disclose personal information to entities outside of Australia (see the Promoter’s Privacy Policy for details).
28. The laws of Australia apply to this promotion to the exclusion of any other law. Entrants submit to the exclusive jurisdiction of the courts of Australia. NSW LTPS/18/23226 ; ACT TP 18/00577.
1. Information on how to enter the March “The One Thing” promotion (“Promotion”) and the prizes form part of these Terms and Conditions. Participation in this Promotion is deemed acceptance of these Terms and Conditions.
2. The promoter is 1Cover Pty Ltd (ABN 91 105 954 265), an Authorised Representative of Coffre-Fort Pty Ltd ABN 66 125 358 518 AFS License No 472457 located at Level 11, 307 Pitt Street, Sydney, NSW, 2000 and 1Cover NZ Ltd, Company No. 1588084, FSP472306 located at level 11, 17 Albert Street, Auckland, 1010, New Zealand.
3. Entry is only open to residents of Australia and New Zealand aged 18 years or over.
4. Employees (and their immediate families) of the Promoter and agencies associated with this Promotion are ineligible to enter. Immediate family means any of the following: spouse, ex-spouse, de-facto spouse, child or step-child (whether natural or by adoption), parent, step-parent, grandparent, step-grandparent, uncle, aunt, niece, nephew, brother, sister, step-brother, step-sister or 1st cousin.
5. This Promotion commences at 00:00 AEST on 05/03/2018 and final entries close at 23:59 AEST on 31/03/2018 (“Promotional Period”).
6. To enter, individuals must complete the following steps during the Promotional Period:
a. Purchase any Eligible Product in the regions of Australia or New Zealand during the Promotional Period. b. An Eligible Product means a 1Cover Travel Insurance policy.
7. i) Incomplete or indecipherable entries will be deemed invalid. ii) If an individual instructs cancellation of their 1Cover Travel Insurance policy, their entry will immediately be removed from the competition and they will no longer be eligible to win unless they purchase another Eligible Product.
8. Multiple entries permitted, subject to the following: (a) only one (1) entry permitted per Eligible Product purchased; and a maximum of one (1) prize per region (Australia and New Zealand) per person.
9. The Promoter reserves the right, at any time, to verify the validity of entries and entrants (including an entrant’s identity, age and place of residence) and reserves the right, in its sole discretion, to disqualify any individual who the Promoter has reason to believe has breached any of these Terms and Conditions, tampered with the entry process engaged in any unlawful or other improper misconduct calculated to jeopardise fair and proper conduct of the Promotion. Errors and omissions may be accepted at the Promoter’s discretion. Failure by the Promoter to enforce any of its rights at any stage does not constitute a waiver of those rights. The Promoter’s legal rights to recover damages or other compensation from such an offender are reserved.
10. If there is a dispute as to the identity of an entrant, the Promoter reserves the right, in its sole discretion, to determine the identity of the entrant.
11. There will be one (1) draw conducted for the entries in both regions received each week throughout the Promotional Period (each a “Weekly Draw”), for a total of four (4) Weekly Draws. Draws may take place up to 8 business days apart. Valid entries into the draw will be selected between Promotional Period open and close based on Australian Eastern Daylight Saving Time (AEDST).
12. All draws will take place on a weekly basis at Level 11, 307 Pitt Street, Sydney, NSW, 2000 with the first draw at 11:00am AEDST on March 12, 2018. Each Weekly Draw will take place up to eight (8) business days after entries close for that Weekly Draw. The first Weekly Draw taking place on 12/03/2018, the second Weekly Draw taking place on 19/03/2018, the third draw taking place on 26/03/2018, and the last Weekly Draw taking place on 03/04/2018. In the event that an invalid or ineligible entrant is drawn, the Promoter may draw additional reserve entries and record them in order.
13. Winners will be notified by email within two (2) business days of the relevant draw, and their names will be published online at www.1Cover.com.au and www.1cover.co.nz.
14. The Promoter’s decision is final and no correspondence will be entered into.
15. For Australia, the first valid entry drawn in each Weekly Draw will each win AUD$1,169 of Apple products (AUD$979 10.5-inch iPad Pro 64GB, AUD$145 Apple Pencil, and AUD$45 Apple Pencil case), awarded to the winner being the named holder of the Eligible Product and delivered to their nominated delivery address. For New Zealand, the first valid entry drawn in each Weekly Draw will each win NZD$1,188 of Apple products (NZD$1,099 10.5-inch iPad Pro 64GB and 10.5-inch NZD$89 Smart Cover), awarded to the winner being the named holder of the Eligible Product and delivered to their nominated delivery address. For any reason a winner does not take a prize (or part of a prize) within (5) business days of the draw, then the prize (or that part of the prize) will be forfeited.
16. Subject to the unclaimed prize draw clause, if for any reason a winner does not take a prize (or part of a prize) at/by the time stipulated by the Promoter, then the prize (or that part of the prize) will be forfeited.
17. The delivery of the prize will happen within 30 days of the draw subject to the correct delivery address details being supplied.
18. If any prize (or part of any prize) is unavailable, the Promoter, in its discretion, reserves the right to substitute the prize (or that part of the prize) with a prize to the equal value and/or specification, subject to any written directions from a regulatory authority.
19. Total prize pool value is up to AU$5000 and NZ$5000.
20. Prizes, or any unused portion of a prize, are not transferable or exchangeable and cannot be taken as cash, unless specified otherwise.
21. If any prize(s) remain unclaimed within (5) business day of draw, a re-draw for any such prizes will take place on the 6th day after the initial draw at the same place as the original draws, subject to any directions from a regulatory authority. Winners, if any, will be notified by email and telephone within two (2) business days of the unclaimed prize draw and their names will be published online at www.1Cover.com.au and www.1Cover.co.nz.
22. Apple is not a participant in or a sponsor of this promotion.
23. Entrants consent to the Promoter using their name, likeness, image and/or voice in the event they are a winner (including photograph, film and/or recording of the same) in any media for an unlimited period without remuneration for the purpose of promoting this Promotion (including any outcome), and promoting any products manufactured, distributed and/or supplied by the Promoter.
24. If this Promotion is interfered with in any way or is not capable of being conducted as reasonably anticipated due to any reason beyond the reasonable control of the Promoter, including but not limited to technical difficulties, unauthorised intervention or fraud, the Promoter reserves the right, in its sole discretion, to the fullest extent permitted by law: (a) to disqualify any entrant; or (b) subject to any written directions from a regulatory authority, to modify, suspend, terminate or cancel the Promotion, as appropriate.
25. Nothing in these Terms and Conditions limits, excludes or modifies or purports to limit, exclude or modify the statutory consumer guarantees as provided under the Competition and continue sentence Consumer Act, as well as any other implied warranties under the ASIC Act or similar consumer protection laws in the States and Territories of Australia or any statutory consumer guarantees as provided under consumer protection laws in New Zealand (“Non-Excludable Guarantees”). Except for any liability that cannot by law be excluded, including the Non-Excludable Guarantees, the Promoter (including its respective officers, employees and agents) excludes all liability (including negligence), for any personal injury; or any loss or damage (including loss of opportunity); whether direct, indirect, special or consequential, arising in any way out of the Promotion.
26. Except for any liability that cannot by law be excluded, including the Non-Excludable Guarantees, the Promoter (including its respective officers, employees and agents) and its prize suppliers are not responsible for and excludes all liability (including negligence), for any personal injury; or any loss or damage (including loss of opportunity); whether direct, indirect, special or consequential, arising in any way out of: (a) any technical difficulties or equipment malfunction (whether or not under the Promoter’s control); (b) any theft, unauthorised access or third party interference; (c) any entry or prize claim that is late, lost, altered, damaged or misdirected (whether or not after their receipt by the Promoter) due to any reason beyond the reasonable control of the Promoter; (d) any variation in prize value to that stated in these Terms and Conditions; (e) any tax liability incurred by a winner or entrant; or (f) taking/use of and/or participation in a prize.
27. The Promoter collects personal information ("data") in order to conduct the Promotion and may, for this purpose, disclose such data to third parties, including but not limited to agents, contractors, service providers, prize suppliers and, as required, to Australian or New Zealand regulatory authorities. Entry is conditional on providing this data. The Promoter will also use and handle data as set out in their Privacy Policy, which can be viewed at https://www.1cover.com.au/privacy (for Australian residents) or https://www.1cover.co.nz/privacy (for New Zealand residents). In addition to any use that may be outlined in their Privacy Policy, the Promoter may, for an indefinite period, unless otherwise advised, use the data for promotional, marketing, publicity, research and profiling purposes, including sending electronic messages or telephoning the entrants. The Privacy Policy also contains information about how entrants may opt out, access, update or correct their data, how entrants may complain about a breach of the Australian Privacy Principles or any other applicable law and how those complaints will be dealt with. All entries become the property of the Promoter. Unless otherwise indicated by the Promoter, the Promoter may disclose personal information to entities outside of Australia (see the Promoter’s Privacy Policy for details).
28. The laws of Australia apply to this promotion to the exclusion of any other law. Entrants submit to the exclusive jurisdiction of the courts of Australia. NSW LTPS/18/22384; ACT TP 18/00384.
1. Information on how to enter the February “The One Thing” promotion (“Promotion”) and the prizes form part of these Terms and Conditions. Participation in this Promotion is deemed acceptance of these Terms and Conditions.
2. The promoter is 1Cover Pty Ltd (ABN 91 105 954 265), an Authorised Representative of Coffre-Fort Pty Ltd ABN 66 125 358 518 AFS License No 472457 located at Level 11, 307 Pitt Street, Sydney, NSW, 2000 and 1Cover NZ Ltd, Company No. 1588084, FSP472306 located at level 11, 17 Albert Street, Auckland, 1010, New Zealand.
3. Entry is only open to residents of Australia and New Zealand aged 18 years or over.
4. Employees (and their immediate families) of the Promoter and agencies associated with this Promotion are ineligible to enter. Immediate family means any of the following: spouse, ex-spouse, de-facto spouse, child or step-child (whether natural or by adoption), parent, step-parent, grandparent, step-grandparent, uncle, aunt, niece, nephew, brother, sister, step-brother, step-sister or 1st cousin.
5. This Promotion commences at 00:00 AEST on 07/02/2018 and final entries close at 23:59 AEST on 28/02/2018 (“Promotional Period”).
6. To enter, individuals must complete the following steps during the Promotional Period:
a. Purchase any Eligible Product in the regions of Australia or New Zealand during the Promotional Period. b. An Eligible Product means a 1Cover Travel Insurance policy.
7. i) Incomplete or indecipherable entries will be deemed invalid. ii) If an individual instructs cancellation of their 1Cover Travel Insurance policy, their entry will immediately be removed from the competition and they will no longer be eligible to win unless they purchase another Eligible Product.
8. Multiple entries permitted, subject to the following: (a) only one (1) entry permitted per Eligible Product purchased; and a maximum of one (1) prize per region (Australia and New Zealand) per person.
9. The Promoter reserves the right, at any time, to verify the validity of entries and entrants (including an entrant’s identity, age and place of residence) and reserves the right, in its sole discretion, to disqualify any individual who the Promoter has reason to believe has breached any of these Terms and Conditions, tampered with the entry process engaged in any unlawful or other improper misconduct calculated to jeopardise fair and proper conduct of the Promotion. Errors and omissions may be accepted at the Promoter’s discretion. Failure by the Promoter to enforce any of its rights at any stage does not constitute a waiver of those rights. The Promoter’s legal rights to recover damages or other compensation from such an offender are reserved.
10. If there is a dispute as to the identity of an entrant, the Promoter reserves the right, in its sole discretion, to determine the identity of the entrant.
11. There will be one (1) draw conducted for each region using the entries received throughout the Promotional Period. Valid entries into the draw will be selected between Promotional Period open and close each day based on Australian Eastern Daylight Saving Time (AEDST).
12. All draws will take place at Level 11, 307 Pitt Street, Sydney, NSW, 2000 Australia at 11:00am AEDST on March 1, 2018. In the event that an invalid or ineligable entrant is drawn, The Promoter may draw additional reserve entries in each draw and record them in order in case an invalid entry or ineligible entrant is drawn.
13. Winners will be notified by email within two (2) business days of the relevant draw, and their names will be published online at www.1Cover.com.au and www.1cover.co.nz.
14. The Promoter’s decision is final and no correspondence will be entered into.
15. For Australia, the first valid entry drawn will win AU $5000 worth of flight vouchers, awarded in the winner’s local currency and via delivery of the vouchers in the winner’s name. For New Zealand, the first valid entry drawn will win NZ$5000, awarded in the winner’s local currency and via delivery of the vouchers in the winner’s name.
16. Subject to the unclaimed prize draw clause, if for any reason a winner does not take a prize (or part of a prize) at/by the time stipulated by the Promoter, then the prize (or that part of the prize) will be forfeited.
17. The delivery of the prize will happen within twenty-eight (28) days of the draw subject to the correct address details being supplied.
18. If any prize (or part of any prize) is unavailable, the Promoter, in its discretion, reserves the right to substitute the prize (or that part of the prize) with a prize to the equal value and/or specification, subject to any written directions from a regulatory authority.
19. Total prize pool value is up to AU$5000 and NZ$5000.
20. Prizes, or any unused portion of a prize, are not transferable or exchangeable and cannot be taken as cash, unless specified otherwise.
21. If any prize(s) remain unclaimed within (5) business day of draw, a re-draw for any such prizes will take place on the 6th day after the initial draw at the same place as the original draws, subject to any directions from a regulatory authority. Winners, if any, will be notified by email and telephone within two (2) business days of the unclaimed prize draw and their names will be published online at www.1Cover.com.au and www.1Cover.co.nz.
22. Entrants consent to the Promoter using their name, likeness, image and/or voice in the event they are a winner (including photograph, film and/or recording of the same) in any media for an unlimited period without remuneration for the purpose of promoting this Promotion (including any outcome), and promoting any products manufactured, distributed and/or supplied by the Promoter.
23. If this Promotion is interfered with in any way or is not capable of being conducted as reasonably anticipated due to any reason beyond the reasonable control of the Promoter, including but not limited to technical difficulties, unauthorised intervention or fraud, the Promoter reserves the right, in its sole discretion, to the fullest extent permitted by law: (a) to disqualify any entrant; or (b) subject to any written directions from a regulatory authority, to modify, suspend, terminate or cancel the Promotion, as appropriate.
24. Nothing in these Terms and Conditions limits, excludes or modifies or purports to limit, exclude or modify the statutory consumer guarantees as provided under the Competition and continue sentence Consumer Act, as well as any other implied warranties under the ASIC Act or similar consumer protection laws in the States and Territories of Australia or any statutory consumer guarantees as provided under consumer protection laws in New Zealand (“Non-Excludable Guarantees”). Except for any liability that cannot by law be excluded, including the Non-Excludable Guarantees, the Promoter (including its respective officers, employees and agents) excludes all liability (including negligence), for any personal injury; or any loss or damage (including loss of opportunity); whether direct, indirect, special or consequential, arising in any way out of the Promotion.
25. Except for any liability that cannot by law be excluded, including the Non-Excludable Guarantees, the Promoter (including its respective officers, employees and agents) and its prize suppliers are not responsible for and excludes all liability (including negligence), for any personal injury; or any loss or damage (including loss of opportunity); whether direct, indirect, special or consequential, arising in any way out of: (a) any technical difficulties or equipment malfunction (whether or not under the Promoter’s control); (b) any theft, unauthorised access or third party interference; (c) any entry or prize claim that is late, lost, altered, damaged or misdirected (whether or not after their receipt by the Promoter) due to any reason beyond the reasonable control of the Promoter; (d) any variation in prize value to that stated in these Terms and Conditions; (e) any tax liability incurred by a winner or entrant; or (f) taking/use of and/or participation in a prize.
26. The Promoter collects personal information ("data") in order to conduct the Promotion and may, for this purpose, disclose such data to third parties, including but not limited to agents, contractors, service providers, prize suppliers and, as required, to Australian or New Zealand regulatory authorities. Entry is conditional on providing this data. The Promoter will also use and handle data as set out in their Privacy Policy, which can be viewed at https://www.1cover.com.au/privacy (for Australian residents) or https://www.1cover.co.nz/privacy (for New Zealand residents). In addition to any use that may be outlined in their Privacy Policy, the Promoter may, for an indefinite period, unless otherwise advised, use the data for promotional, marketing, publicity, research and profiling purposes, including sending electronic messages or telephoning the entrants. The Privacy Policy also contains information about how entrants may opt out, access, update or correct their data, how entrants may complain about a breach of the Australian Privacy Principles or any other applicable law and how those complaints will be dealt with. All entries become the property of the Promoter. Unless otherwise indicated by the Promoter, the Promoter may disclose personal information to entities outside of Australia (see the Promoter’s Privacy Policy for details).
27. The laws of Australia apply to this promotion to the exclusion of any other law. Entrants submit to the exclusive jurisdiction of the courts of Australia. ACT TP 18/00223; NSW LTPS/18/21746
1. Information on how to enter the “Daily Dollars” promotion (“Promotion”) and the prizes form part of these Terms and Conditions. Participation in this Promotion is deemed acceptance of these Terms and Conditions.
2. The promoter is 1Cover Pty Ltd ABN 91 105 954 265, an Authorised Representative of Coffre-Fort Pty Ltd ABN 66 125 358 518 AFS License No 472457 located at Level 11, 307 Pitt Street, Sydney, NSW, 2000 and 1Cover NZ Ltd, Company No. 1588084, FSP472306 (a New Zealand company) located at level 11, 17 Albert Street, Auckland, 1010, New Zealand.
3. Entry is only open to residents of Australia and New Zealand aged 18 years or over. Excluding residents in South Australia.
4. Employees (and their immediate families) of the Promoter and agencies associated with this Promotion are ineligible to enter. Immediate family means any of the following: spouse, ex-spouse, de-facto spouse, child or step-child (whether natural or by adoption), parent, step-parent, grandparent, step-grandparent, uncle, aunt, niece, nephew, brother, sister, step-brother, step-sister or 1st cousin.
5. This Promotion commences at 00:00 AEST on 23/11/2017 and final entries close at 23:59 AEST on 24/12/2017 (“Promotional Period”).
6. To enter, individuals must complete the following steps during the Promotional Period:
a. Purchase any Eligible Product in Australia or New Zealand during the Promotional Period. B. An Eligible Product means a 1Cover Travel Insurance policy.
7. i) Incomplete or indecipherable entries will be deemed invalid. ii) If an individual refunds their 1Cover Travel Insurance policy, their entry will immediately be removed from the competition and they will no longer be eligible to win unless they purchase another Eligible Product.
8. Multiple entries permitted, subject to the following: (a) only one (1) entry permitted per Eligible Product purchased; and a maximum of one (1) Daily Prize per person
9. The Promoter reserves the right, at any time, to verify the validity of entries and entrants (including an entrant’s identity, age and place of residence) and reserves the right, in its sole discretion, to disqualify any individual who the Promoter has reason to believe has breached any of these Terms and Conditions, tampered with the entry process engaged in any unlawful or other improper misconduct calculated to jeopardise fair and proper conduct of the Promotion. Errors and omissions may be accepted at the Promoter’s discretion. Failure by the Promoter to enforce any of its rights at any stage does not constitute a waiver of those rights. The Promoter’s legal rights to recover damages or other compensation from such an offender are reserved.
10. If there is a dispute as to the identity of an entrant, the Promoter reserves the right, in its sole discretion, to determine the identity of the entrant.
11. There will be one (1) draw conducted for the entries received each day of the Promotional Period (each a “Daily Draw”), for a total of thirty-one (31) Daily Draws. Draws may take place up to 7 business days apart. Entries into each Daily Draw will open and close each day based on NSW local time. Entries in each Daily Draw will NOT be entered into any subsequent Daily Draw(s).
12. All draws will take place at Level 11, 307 Pitt Street, Sydney, NSW, 2000 Australia at 11:00am AEST/AEDST (as applicable). Each Daily Draw will take place up to seven (7) business days after entries close for that Daily Draw, with the first Daily Draw taking place on 24/11/2017 and the last Daily Draw taking place on 02/01/2018. The Promoter may draw additional reserve entries in each draw and record them in order in case an invalid entry or ineligible entrant is drawn.
13. Winners will be notified by email within two (2) business days of the relevant draw, and their names will be published online at www.1Cover.com.au.
14. The Promoter’s decision is final and no correspondence will be entered into.
15. For Australia, the first valid entry drawn in each Daily Draw will each win AU $1000, awarded in the winner’s local currency and via an electronic funds transfer into an account in the winner’s name (“Daily Prize”). For the sake of clarity, Australian winners will receive AUD$1000. For New Zealand, the first valid entry drawn in each Daily Draw will each win NZ$501, awarded in the winner’s local currency and via an electronic funds transfer into an account in the winner’s name (“Daily Prize”). For the sake of clarity, New Zealand winners will receive NZ$501.
16. Subject to the unclaimed prize draw clause, if for any reason a winner does not take a prize (or part of a prize) at/by the time stipulated by the Promoter, then the prize (or that part of the prize) will be forfeited.
17. The transfer of the prize will happen within thirty (30) days of the draw subject to the correct account details being supplied.
18. If any prize (or part of any prize) is unavailable, the Promoter, in its discretion, reserves the right to substitute the prize (or that part of the prize) with a prize to the equal value and/or specification, subject to any written directions from a regulatory authority.
19. Total prize pool value is up to AU$31,000 and NZ$15,500.
20. Prizes, or any unused portion of a prize, are not transferable or exchangeable and cannot be taken as cash, unless specified otherwise.
21. If any prize(s) remain unclaimed within (5) business day of draw, a re-draw for any such prizes will take place on the 6th day after the initial draw at the same place as the original draws, subject to any directions from a regulatory authority. Winners, if any, will be notified by email and telephone within two (2) business days of the unclaimed prize draw and their names will be published online at www.1Cover.com.au and www.1Cover.co.nz.
22. Entrants consent to the Promoter using their name, likeness, image and/or voice in the event they are a winner (including photograph, film and/or recording of the same) in any media for an unlimited period without remuneration for the purpose of promoting this Promotion (including any outcome), and promoting any products manufactured, distributed and/or supplied by the Promoter.
23. If this Promotion is interfered with in any way or is not capable of being conducted as reasonably anticipated due to any reason beyond the reasonable control of the Promoter, including but not limited to technical difficulties, unauthorised intervention or fraud, the Promoter reserves the right, in its sole discretion, to the fullest extent permitted by law: (a) to disqualify any entrant; or (b) subject to any written directions from a regulatory authority, to modify, suspend, terminate or cancel the Promotion, as appropriate.
24. Nothing in these Terms and Conditions limits, excludes or modifies or purports to limit, exclude or modify the statutory consumer guarantees as provided under the Competition and continue sentence Consumer Act, as well as any other implied warranties under the ASIC Act or similar consumer protection laws in the States and Territories of Australia or any statutory consumer guarantees as provided under consumer protection laws in New Zealand (“Non-Excludable Guarantees”). Except for any liability that cannot by law be excluded, including the Non-Excludable Guarantees, the Promoter (including its respective officers, employees and agents) excludes all liability (including negligence), for any personal injury; or any loss or damage (including loss of opportunity); whether direct, indirect, special or consequential, arising in any way out of the Promotion.
25. Except for any liability that cannot by law be excluded, including the Non-Excludable Guarantees, the Promoter (including its respective officers, employees and agents) and its prize suppliers are not responsible for and excludes all liability (including negligence), for any personal injury; or any loss or damage (including loss of opportunity); whether direct, indirect, special or consequential, arising in any way out of: (a) any technical difficulties or equipment malfunction (whether or not under the Promoter’s control); (b) any theft, unauthorised access or third party interference; (c) any entry or prize claim that is late, lost, altered, damaged or misdirected (whether or not after their receipt by the Promoter) due to any reason beyond the reasonable control of the Promoter; (d) any variation in prize value to that stated in these Terms and Conditions; (e) any tax liability incurred by a winner or entrant; or (f) taking/use of and/or participation in a prize.
26. The Promoter collects personal information ("PI") in order to conduct the Promotion and may, for this purpose, disclose such PI to third parties, including but not limited to agents, contractors, service providers, prize suppliers and, as required, to Australian or New Zealand regulatory authorities. Entry is conditional on providing this PI. The Promoter will also use and handle PI as set out in their Privacy Policy, which can be viewed at https://www.1cover.com.au/privacy (for Australian residents) or https://www.1cover.co.nz/privacy (for New Zealand residents). In addition to any use that may be outlined in their Privacy Policy, the Promoter may, for an indefinite period, unless otherwise advised, use the PI for promotional, marketing, publicity, research and profiling purposes, including sending electronic messages or telephoning the entrants. The Privacy Policy also contains information about how entrants may opt out, access, update or correct their PI, how entrants may complain about a breach of the Australian Privacy Principles or any other applicable law and how those complaints will be dealt with. All entries become the property of the Promoter. Unless otherwise indicated by the Promoter, the Promoter may disclose personal information to entities outside of Australia (see the Promoter’s Privacy Policy for details).
27. The laws of Australia apply to this promotion to the exclusion of any other law. Entrants submit to the exclusive jurisdiction of the courts of Australia.
1. Information on how to enter the “Ultimate Travel Pack” promotion (“Promotion”) and the prizes form part of these Terms and Conditions. Participation in this Promotion is deemed acceptance of these Terms and Conditions.
2. The promoter is 1Cover Pty Ltd (ABN 91 105 954 265) of Level 11, 307 Pitt Street, Sydney, NSW, 2000
3. Entry is only open to residents of Australia aged 18 years or over.
4. Employees (and their immediate families) of the Promoter and agencies associated with this Promotion are ineligible to enter. Immediate family means any of the following: spouse, ex-spouse, de-facto spouse, child or step-child (whether natural or by adoption), parent, step-parent, grandparent, step-grandparent, uncle, aunt, niece, nephew, brother, sister, step-brother, step-sister or 1st cousin.
5. This Promotion commences at 00:01am AEST on 01/09/2017 and final entries close at 11:59pm AEST on 30/09/2017 (“Promotional Period”).
6. Incomplete or indecipherable entries will be deemed invalid.
7. Only one entry permitted.
8. The Promoter reserves the right, at any time, to verify the validity of entries and entrants (including an entrant’s identity, age and place of residence) and reserves the right, in its sole discretion, to disqualify any individual who the Promoter has reason to believe has breached any of these Terms and Conditions, tampered with the entry process engaged in any unlawful or other improper misconduct calculated to jeopardise fair and proper conduct of the Promotion. Errors and omissions may be accepted at the Promoter’s discretion. Failure by the Promoter to enforce any of its rights at any stage does not constitute a waiver of those rights. The Promoter’s legal rights to recover damages or other compensation from such an offender are reserved.
9. If there is a dispute as to the identity of an entrant, the Promoter reserves the right, in its sole discretion, to determine the identity of the entrant.
10. To enter, individuals must then undertake the following steps during the Promotional Period:
a. Receive an email from 1Cover
b. Click the "Enter Now" button or “Enter Now hyperlink in the email;
c. The entrant will be automatically in the draw to win by clicking on the enter now button or hyperlink
11. The draw will take place at Level 11, 307 Pitt Street, Sydney, NSW, 2000 at 11:00am AEST/AEDST (as applicable) on 06/10/2017. The Promoter may draw additional reserve entries in each draw and record them in order in case an invalid entry or ineligible entrant is drawn.
12. Winners will be notified by email within two (2) business days from the draw, and their names will be published online at www.1Cover.com.au and 1Cover Facebook page.
13. The Promoter’s decision is final and no correspondence will be entered into.
14. One entrant to the Prize Draw will win 1 x $1500 flight voucher, 1 x $500 Westfield Voucher, 1 x Travel Insurance Policy (valued at $500), 1 x $500 Visa Debit Card. Two (2) entrants to the Prize Draw will each win a runner-up prize of $500 Westfield Voucher.
15. Subject to the unclaimed prize draw clause, if for any reason a winner does not take a prize (or part of a prize) at/by the time stipulated by the Promoter, then the prize (or that part of the prize) will be forfeited.
16. The transfer of the prize will happen within 30 days of the draw subject to the correct account details being supplied.
17. If any prize (or part of any prize) is unavailable, the Promoter, in its discretion, reserves the right to substitute the prize (or that part of the prize) with a prize to the equal value and/or specification, subject to any written directions from a regulatory authority.
18. Total prize pool value is up to AU$4000.
19. Prizes, or any unused portion of a prize, are not transferable or exchangeable and cannot be taken as cash, unless specified otherwise.
20. If any prize(s) remain unclaimed within (5) business day of draw, a re-draw for any such prizes will take place on the 6th day after the initial draw at the same place as the original draws, subject to any directions from a regulatory authority. Winners, if any, will be notified by email and telephone within three (3) business days of the unclaimed prize draw and their names will be published online at www.1Cover.com.au.
21. Entrants consent to the Promoter using their name, likeness, image and/or voice in the event they are a winner (including photograph, film and/or recording of the same) in any media for an unlimited period without remuneration for the purpose of promoting this Promotion (including any outcome), and promoting any products manufactured, distributed and/or supplied by the Promoter.
22. If this Promotion is interfered with in any way or is not capable of being conducted as reasonably anticipated due to any reason beyond the reasonable control of the Promoter, including but not limited to technical difficulties, unauthorised intervention or fraud, the Promoter reserves the right, in its sole discretion, to the fullest extent permitted by law: (a) to disqualify any entrant; or (b) subject to any written directions from a regulatory authority, to modify, suspend, terminate or cancel the Promotion, as appropriate.
23. Nothing in these Terms and Conditions limits, excludes or modifies or purports to limit, exclude or modify the statutory consumer guarantees as provided under the Competition and Consumer Act, as well as any other implied warranties under the ASIC Act or similar consumer protection laws in the States and Territories of Australia or any statutory consumer guarantees as provided under consumer protection laws in New Zealand (“Non-Excludable Guarantees”). Except for any liability that cannot by law be excluded, including the Non-Excludable Guarantees, the Promoter (including its respective officers, employees and agents) excludes all liability (including negligence), for any personal injury; or any loss or
damage (including loss of opportunity); whether direct, indirect, special or consequential, arising in any way out of the Promotion.
24. Except for any liability that cannot by law be excluded, including the Non-Excludable Guarantees, the Promoter (including its respective officers, employees and agents) and its prize suppliers are not responsible for and excludes all liability (including negligence), for any personal injury; or any loss or damage (including loss of opportunity); whether direct, indirect, special or consequential, arising in any way out of: (a) any technical difficulties or equipment malfunction (whether or not under the Promoter’s control); (b) any theft, unauthorised access or third party interference; (c) any entry or prize claim that is late, lost, altered, damaged or misdirected (whether or not after their receipt by the Promoter) due to any reason beyond the reasonable control of the Promoter; (d) any variation in prize value to that stated in these Terms and Conditions; (e) any tax liability incurred by a winner or entrant; or (f) taking/use of and/or participation in a prize.
25. The Promoter collects personal information ("PI") in order to conduct the Promotion and may, for this purpose, disclose such PI to third parties, including but not limited to agents, contractors, service providers, prize suppliers and, as required, to Australian or New Zealand regulatory authorities. Entry is conditional on providing this PI. The Promoter will also use and handle PI as set out in their Privacy Policy, which can be viewed at https://www.1cover.com.au/privacy (for Australian residents). In addition to any use that may be outlined in their Privacy Policy, the Promoter may, for an indefinite period, unless otherwise advised, use the PI for promotional, marketing, publicity, research and profiling purposes, including sending electronic messages or telephoning the entrants. The Privacy Policy also contains information about how entrants may opt out, access, update or correct their PI, how entrants may complain about a breach of the Australian Privacy Principles or any other applicable law and how those complaints will be dealt with. All entries become the property of the Promoter. Unless otherwise indicated by the Promoter, the Promoter may disclose personal information to entities outside of Australia (see the Promoter’s Privacy Policy for details).
26. The laws of Australia apply to this promotion to the exclusion of any other law. Entrants submit to the exclusive jurisdiction of the courts of Australia. NSW LTPS/17/17432; ACT TP 17/01739.
Discounts apply to Frequent Traveller (Annual) policies purchased between 25/09/2017 and 31/10/2017 only. The $50 discount applies to the Overseas Frequent Traveller 90 Days policy; $25 discount applies only to Overseas Frequent Traveller 45 Days policy; $20 discount applies to Overseas Frequent Traveller 21 Days policy, and all Domestic Frequent Traveller policies.
Discounts cannot be used in conjunction with any other offer. Discount have no cash or refund value, except when redeemed in accordance with the terms and conditions of this offer. The discount can only be redeemed using the links within the email sent by 1Cover to customer, or via 1Cover’s Call Centre. The discount cannot be applied to any policies already purchased. The discount does not apply to any medical loading, excess removal, or policy add-ons. 1Cover reserves the right to amend these conditions at any time.
*10% Discount Terms, conditions, limits and exclusions apply. Always read the Product Disclosure Statement (PDS) before purchasing. The discount is valid for Comprehensive and Frequent Traveller (Annual) policies purchased between March 31st 2017 and 30th April 2017; 10th May 2017 and 14th May 2017. The discount cannot be used in conjunction with any other 1Cover offer. The discount has no cash or refund value, except when redeemed in accordance with the terms and conditions of this offer. The discount is only available for customers and friends/family of customers who have received the EASTER10 campaign email. The discount can only be redeemed using the links within this email or via the Call Centre. The discount cannot be applied to policies that have started and not expired/or expired. The discount does not apply to any medical loading, heli-skiing, excess removal or additional baggage limits. 1Cover reserves the right to amend these conditions at any time.
**Sale Extended - Save My Discount Terms: the 10% discount is valid for Comprehensive and Frequent Traveller (Annual) policies purchased between 1 June and 31st December 2017, unless the offer is cancelled prior to this date. 1Cover retains the right to retract the offer at any time. Discount terms and conditions are as per original discount offer (as stated above)
Since 2003, we've provided travel insurance to more than 2 million happy customers around the world. We don't focus on anything else but travel insurance, and that makes us specialists in the field.
We’re proud to be awarded for our quality products and services. We recently won Mozo's 2023 Experts Choice Award for Exceptional Value Comprehensive Travel Insurance. As well as Product Review's Travel Insurer of the Year in 2019.
Our customer service specialists are based in Sydney and operate from Monday to Friday. Whether you're buying a policy or making a claim, you can be sure one of our caring, knowledgeable customer service legends will be able to help you out.
The one time you really need travel insurance is in case of emergency. With 1Cover, you have 24/7 emergency assistance at all times - so when one thing goes really wrong, we'll be there to help you.
Unlike many other travel insurers, we automatically cover 35 conditions under our policies. We know everyone is different and that's why our medical team assess each pre-existing condition on a case by case basis.
If you want your claim paid quickly, and you don’t want to deal with a complicated claims process, then use 1Cover. Just make sure you have all your receipts and relevant documents handy.
1Cover ® is a registered trademark of 1Cover Pty Ltd. 1Cover Pty Ltd ABN 91 105 954 265, is an authorised representative of Coffre-Fort Pty Limited ABN 66 125 358 518, AFS Licence No. 472457. Before you buy, please read the Product Disclosure Statement and Target Market Determination. Any information contained on this website is general advice only and has been prepared without taking into account your objectives, financial situation or needs. You should consider these having regard to the Product Disclosure Statement (‘PDS’). Before you purchase, please note in particular, the eligibility criteria, travel warnings in place and limitations to claim under multiple policy sections.
This insurance is underwritten by HDI Global Specialty SE – Australia.
AU
NZ 