FiftyUp Club 2-Week Only Coles Home and Contents Insurance Offer
As at 1st December 2014
1. Coles Supermarkets Australia Pty Ltd (ABN 45 004 189 708) is an Authorised Representative (AR 269259) of the insurer, WFI Insurance Limited (ABN 24 000 036 279, AFS Licence No. 241461) (WIL). Coles receives commission if you buy a policy from WIL.
2. FiftyUp Club Pty Ltd ACN 166 905 175 (FiftyUp Club) is a Corporate Authorised Representative (AR Number 465649) of One Big Switch Pty Ltd ACN 150 963 474 (AFSL number 455982). One Big Switch acts under its own Australian Financial Services Licence and under an agreement with WIL. One Big Switch is paid a commission if you buy a policy from WIL pursuant to the Fifty Up Club Car Insurance Offer (as defined below).
3. Any advice is general only and doesn't consider your needs. Before acting on it, consider if it is right for you by reading the Product Disclosure Statement available at www.colesinsurance.com.au and the Financial Services Guide available here.
4. Subject to these terms and conditions, the “FiftyUp Club Home Insurance Offer" means the offer to reduce the standard premium for a new combined Coles Home Insurance Building and Contents policy or an individual Building or Contents policy by up to 40% and to receive free Accidental Damage cover , covering contents only, to eligible customers who purchase by calling the Coles Contact Centre between the 1st December 2014 and 14th December 2014 inclusive (Offer Period) for customers in Victoria, New South Wales and South East Queensland.
5. The full 40 % discount is only potentially available to eligible customers (set out in clause 7 below) who, during the offer period, purchase a new combined Coles Home Insurance Building and Contents policy and are members of flybuys. The eventual savings may be less than the maximum percentage amount stated, and the level of the saving will be reduced if, upon applying the relevant discounts, the premium would be lower than the relevant minimum premium level set by WIL.
6. The FiftyUp Home Insurance Offer is available via the Coles Insurance contact centre only.
7. Subject to these terms and conditions, in order to be eligible for the FiftyUp Club Home Insurance Offer, the insured:
- must be a registered member of the FiftyUp Club who is 50 years or over and;
- must be a resident of Victoria, New South Wales or South East Queensland
- must purchase a new combined Building and Contents policy or an individual Building or Contents policy during the Offer Period.
8. Free Accidental Damage cover is only available on the contents of your property only.
9. The discounts to which an eligible customer (as set out in clause 7) is potentially entitled to are:
- a discount on the premium for the new combined Building and Contents Insurance policy or an individual Building or Contents policy for satisfying all of the eligibility conditions set out in clause 7;
- a discount on the premium for the new Coles Home Insurance policy in lieu of the Coles Insurance online discount (due to this FiftyUp Club Home Insurance Offer not being made available online) and an additional discount if the eligible customer is a flybuys member and discloses their flybuys membership number as part of the Coles Home Insurance Building and Contents policy or individual Building or Contents policy purchase process or joins flybuys during the purchase process; and
- an additional discount on the premium for the new Coles Home Insurance policy if policy purchased by the eligible customer is a combined Coles Home Insurance Building and Contents policy or an individual Building or Contents policy;
10. The savings related to the FiftyUp Club Home Contents Insurance Offer:
- Only apply during the first year of cover only and may vary upon renewal;
- If you pay your premium by instalments, they will be apportioned over your monthly payments;
- Are based on the cover provided by your combined Building and Contents Insurance policy or your individual Building or Contents policy as at the date of purchase of that policy. If you change the details of cover for your Coles Home or Contents policy following purchase of either type of policy, then the discounts or savings may no longer apply;
- Will not be obtained in full if you cancel your Coles Home Insurance or Contents policy before it expires.
11. At its discretion, WIL can extend the FiftyUp Club Home Insurance Offer to a wider group of people than those specified in Clause 7.
12. The FiftyUp Club Home Insurance Offer, and any offer of Coles Home Insurance to you, is subject to WIL deeming the risk is acceptable in accordance with its underwriting criteria.
You can download these Terms and Conditions here