This Website is owned and operated by Auto & General Services Pty
Ltd (ABN 61 003 617 909) (AFSL 241411) ('AGS') and/or its
of each of AGS and its Related Entities.
of this Website. Other terms and conditions contained in our
and on our Website also form part of our agreement
with you. Please read them carefully before proceeding.
Acceptance of Terms
access to this Website constitutes your agreement to be bound by these Terms. From time to time,
Use and access
This Website and its Content is made available only to the following
persons for bona-fide purposes:
genuine customers and potential customers interested in
purchasing a product from us for themselves or immediate family (with their consent);
affiliates and potential affiliates interested in joining our Online Affiliate Program;
our employees in the course of their employment duties;
any other person who has our prior written consent to do so.
By using the Website, you warrant that you are such a website user.
You must not use the Website or its Content:
for commercial purposes (including, without limitation,
for a person's competitive advantage or to our competitive disadvantage);
in any other manner that is inconsistent with the purposes
for which the Website is provided;
in any manner which is in breach of any laws; or
in any other way that is not expressly permitted by these
Without limiting the above, you will not either yourself or through
use or access this Website or its Content in a way that
infringes the intellectual property rights or other rights of any person;
copy or disclose to any person any Content, other than as
use any method or process (including without limitation,
data scraping, collection or accumulation tool, robot, spider
or scripted responses) for the purpose of obtaining, processing,
copying, replicating, distributing, reconfiguring, republishing,
viewing, assessing, analysing, modifying or repackaging this Website's Content;
use any method or process to consolidate or combine this
Website's Content with any other content, data, information,
images or material;
reverse engineer, disassemble or otherwise attempt to construct
or identify this Website's source code, formulas or processes;
use, access or retain any Website Content in any manner or
use systematic, repetitive or any other methods which are
designed to obtain a large number of insurance quotes or
other pricing and related information from this Website;
use, obtain or attempt to obtain from the Website information
in order to identify or discover pricing, underwriting,
rating and related business methodology or systems;
do anything which will or might damage, disrupt access to,
or interfere with the proper operation of this Website,
or any transaction being conducted on it;
do anything which will or might place an unreasonable load
on the Website infrastructure;
when using this Website post, distribute or send any 'spamming material'
or any other form of bulk communication;
when using this Website impersonate any person or entity;
when using this Website publish, or disseminate any material
which is unlawful, defamatory, indecent, offensive or inappropriate;
use this Website to harass, defame, abuse, threaten or otherwise offend others; and
transmit any material which contains viruses, or other computer
codes designed to interrupt, limit or destroy the efficient
operation of the Website, or its software or hardware.
to the Website is at your own risk.
We try to ensure that the Content is accurate and up-to-date. Please write to us at the address below,
if you spot an error. However (to the extent permitted by law) we do not warrant the accuracy, adequacy
or completeness of the Website's Content, and you should not
rely upon the Content as being accurate or complete.
We will take reasonable steps to provide a safe and reliable service.
But there are some risks with using the internet.
We do not guarantee that the Website will be free from viruses.
We accept no responsibility for any harmful computer
code that might be introduced to your system by using this Website
(to the extent permitted by law).
We do not guarantee that access to this Website will be uninterrupted,
timely or secure, or that it will always operate
as intended, and we accept no responsibility in that regard (to the extent permitted by law).
The Website, or any product or service available on it, may be changed
or withdrawn at any time, without notice.
Your access to this Website may be terminated at any time, without
notice, for whatever reason. You must not in any way access the Website
or its Content after termination.
But the disclaimers, limitation of liability and indemnity provisions
or other rights you granted to us will also survive termination.
Buying insurance online
You might use our Website to find out more about us and our products.
But if you decide to buy online then there are some important things you should know.
Buying insurance online is a two stage process.
Firstly, you should apply for an online quote, by providing the
information requested on our quote pages. Subject to our underwriting
guidelines, we will then give you a quote, and a quote number. You
can save that quote and we will honour that price for the next 30 days.
If you decide you want to purchase an insurance policy online, based
on that quote, and we offer you that option, you should provide us
with the information requested, and submit a request to purchase.
Stage two is complete when:
Our server has received the electronic instruction offering to
purchase insurance from us; and
That instruction is recorded within our database, your application
is accepted by the insurer, we let you know, and we show your
new policy number on the screen you have been using to apply
for insurance. You will know that we have entered into a binding
contract with you, when you have received your policy number.
If you haven't received a policy number from us, then
you won't have purchased an insurance policy with us.
Purchasing an insurance policy using this Website involves you sending
an electronic instruction to us, making an offer to us to purchase
insurance, and then our decision to accept that offer. Once that
has happened, we will notify you on the screen you have been using
to apply for insurance. We will assume that an electronic instruction
is authentic. We have no obligation to authenticate the person
issuing or transmitting the electronic instructions, or to verify
the accuracy or completeness of the electronic instructions. We
may act on the electronic instructions sent or received through
our Website, without any reference to you.
Any insurance policy purchased via this Website must be paid for
by direct debit or one of the credit cards we accept. Before you
buy, you will need to provide us with either:
- Type of credit card
- Card number
- Name of credit card holder
- Expiry date, or
Details of your current Bank, Credit Union or Building Society account, including
The amount or amounts due must be paid in full by clear funds by
the due date. Details of your payment plan will be provided with
your policy documents.
Any application for insurance made using this Website is subject
to compliance with your disclosure obligations, our approval process
and the terms and conditions of the insurance policy which are set
out in our Product Disclosure Statement. You should read the relevant
Product Disclosure Statement available from this Website before
making any decisions regarding the products.
For your protection, services that involve the provision of confidential
information are provided via a secure server. The information is
encrypted using the Secure Socket Layer Protocol. This will significantly
improve the security of the information you provide.
Our Website may contain links to other websites operated by third
parties. We do not recommend or endorse those other websites or
products and services provided on those sites. We are not responsible
for the condition or content of those websites as we do not have
control over those websites. We make no representations about the
accuracy of any information contained on any other websites. We
are not responsible for any Loss arising directly or indirectly
from you using, accessing or attempting to access those websites.
You must obtain our prior written permission to link to this Website.
This Website does not purport to provide you with personal, financial
or investment advice of any kind. We have not taken into account
your individual circumstances. You should consider whether or not
the insurance product is appropriate for you.
We own certain trademarks which appear on this Website. Unauthorised
use of those marks is prohibited.
The Website (including the software, layout and design of or underlying
the insurance quoting and purchasing system contained within it)
and its Content are subject to copyright. You may view the Website
using your browser and print or download a copy for your personal,
non-commercial use. Except as otherwise permitted by law, all other
use, copying, reproduction, dissemination, modification, distribution,
transmission, republication or display of all or part of this Website
Your privacy is very important to us. We may ask you to provide
personal information when you are using this Website. The way in
which we collect, use and disclose personal information is set out
Except for obligations implied by law that cannot be excluded, you
agree that AGS, AGS' Related Entities and their respective Personnel
will not be liable for any Loss arising out of, as a result of or
referable to the Website, the Content or the use of or access to
this Website, including that arising as a result of:
- any unauthorised access of or breach of security to this Website,
for whatever reason;
- any delay in effecting any transaction attempted to be processed
through this Website, for whatever reason;
- any failure to effect any transaction attempted to be processed
through this Website, for whatever reason;
- any error, faults, omission, inaccuracies or misrepresentation
in relation to this Website or its Content; and/or
- the transmission of any computer virus.
You agree that, to the extent permitted by law, in no circumstance
will an Indemnified Person be liable for any indirect, incidental,
special or consequential Loss or damage or Loss of profits, however
You agree to indemnify and keep indemnified each Indemnified Person
for all Loss suffered or incurred as a result of:-
- your breach of any other legal obligation or law; or
- your use of or access to this Website.
The information on this Website is provided for Australian residents
only. The law applicable in the state of Queensland will apply to
the use of this Website and the resolution of any dispute arising
from access to and use of the Website. You submit to the courts
and tribunals of the state of Queensland.
Only Australian residents are able to buy insurance from us.
If you have any technical issues when using this Website or any
suggestions on how we can improve our service to you, please contact
the Website Administrator at PO Box 342, Toowong, Qld 4066.
To get the best from this Website we recommend that you use Mozilla
Firefox 3.0+ or Microsoft Internet Explorer 7.0+.
means Auto & General Services Pty Ltd (ABN 61 003 617 909) (AFSL 241411).
means the content, text, data, information, images,
pages and materials contained on this Website.
means AGS and its Related Entities and
their respective Personnel.
means any damage, loss, cost, expense or liability however
it arises and whether it is direct or indirect, present or future,
fixed or unascertained, actual or contingent and includes all legal
costs and expenses.
means the directors, officers, employees, agents
and contractors of a person.
means these terms and conditions, AGS' Privacy
Policy and any other terms and conditions contained in this Website.
means AGS and/or its Related Entities
individually and collectively.
means this website which is owned and operated by
AGS and/or its Related Entities (but does not include any websites
owned and operated by third parties which are available via link
from this website).
means the user who is accessing all or part of this Website.
Last updated: 7th