1Cover Competition Terms and Conditions

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  • The September 2019 $5K Spring Fever Giveaway Promotion
  • 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

  • 5% Discount Promotion 2019
  • Discounts apply to Comprehensive, domestic and medical policies purchased between 23/08/2019 and 30/09/2019.

    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.

  • The August 2019 "Win $10K Destination Dollars" Promotion
  • 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.

  • 2019 “The One Experience” Shark Dive South Australia Giveaway
  • 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.

  • 2019 “The One Experience” Margaret River Pop-Up Dining Getaway Giveaway
  • 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 1Cover 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.

  • 2019 Next Travel Date Giveaway
  • 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.

  • april 2019 "The One Thing" Promotion
  • 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 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 01/04/2019 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.

  • March 2019 "The One Thing" Promotion
  • 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.
     

  • “Summer 2019 holiday” Promotion 2019
  • 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.

  • 5% Discount Promotion 2019
  • 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.

  •  December 2018 “Daily Dollars” Promotion
  • 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 five (5) 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 five (5) business days 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 08/01/2019 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.

  • 5% Discount Promotion 2018
  • 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.

  •  November “The One Thing” Promotion 2018
  • 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

  • Annual Travel Insurance Policy Promotion
  • 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.

  •  October “The One Thing” Promotion 2018
  • 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

  • September “The One Thing” Promotion 2018
  • 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

  • August “The One Thing” Promotion 2018
  • 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

  • July “Daily Dollars” Promotion 2018
  • 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" Promotion 2018
  • "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.

  • June “The One Thing” Promotion 2018
  • 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

  • May “The One Thing” Promotion 2018
  • 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

  • April “The One Thing” Promotion 2018
  • 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.

  • March “The One Thing” Promotion 2018
  • 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.

  • February “The One Thing” Promotion 2018 
  • 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

  • Christmas “Daily Dollars” Promotion 2017
  • 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.

  • Ultimate Travel Pack Promotion 2017
  • 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.

  • Frequent Traveller Policy Promotion 2017
  • 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. 

  • Easter Email 10% Discount Promotion & Sale Extended Promotion 2017
  • *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)

Find out more about The One Thing competition here

SEE COMPETITION WINNERS HERE