Thank you for choosing to get an AAMI Insurance Quote online.
In short referred to as AAMI’s "Online Terms”.
Read these Online Terms to understand how AAMI:
1.1 Australian Associated Motor Insurers Ltd (ABN 92 004 791 744) (“AAMI”, “we” or “us”) operates AAMI online sites (“Online Site(s)”), including our:
1.1.1 main website (www.aami.com.au including its related transactional domains and pages) (“Main Site”);
1.1.2 mobile device site (m.aami.com.au) (“Mobile Site”);
1.1.3 social media site(s) (“Social Media Site(s)”) as operated from time to time; and
1.1.4 competition website (www.luckyaami.com.au) ("Competition Site").
When providing financial services in Australia AAMI acts as the issuer of building, contents, car, caravan, motorcycle, business, international travel insurance products (nationally) as well as Compulsory Third Party ("CTP") Motor Vehicle Insurance products (in NSW and QLD), and holds Australian Financial Services Licence no. 238173. AAMI Life Insurance and AAMI Accidental Death Insurance Product (“Life Products”) are available via the Online Site. Suncorp Life & Superannuation Ltd (“SLSL”) (ABN 87 073 979 530, AFSL 229 880 is the issuer of the Life Products and provides all information about the Life Products on the Online Site. AAMI does not provide any financial product advice in relation to the Life Products nor is the issuer of the Life Products.
Please be aware that certain parts of our Main Site, Competition Site and/or Mobile Site may additionally function as a Social Media Site. By this we mean that the information and content you submit to a social media section of our Main Site, Competition Site and/or Mobile Site will be freely visible to other website users. Any social media sections of our Main Site, Competition Site and/or Mobile Site will be either clear to you from their design, or we will otherwise inform you of their public nature. Any information or content you supply to our Social Media Site(s) will be treated by AAMI in accordance with terms 9 and 27, and otherwise in accordance with these Online Terms (as relevant).
1.2 AAMI may operate an Online Site for its own benefit and/or for the benefit of one or more of its related bodies corporate, which collectively form the Suncorp Group of companies in Australia and New Zealand (“Suncorp Group”).
1.5 AAMI owns and operates the Main Site and the Mobile Site (which forms part of the Main Site) and the Competition Site. These Online Sites include all web pages under or forming part of the domain name aami.com.au and m.aami.com.au and luckyaami.com.au (as relevant). Our Mobile Site is designed for use by portable electronic devices such as smart phones or tablet computers. AAMI disclaims that our Mobile Site may not operate (or may not operate fully) on some types of portable electronic devices. If you experience difficulty in accessing or using our Mobile Site, you should access our Main Site (www.aami.com.au) using a modern web browser on a personal computer with a screen diameter or 10 inches or greater.
1.7 As AAMI’s Online Sites develop and as technology evolves, AAMI will continue to strive to provide you with better online services. AAMI encourages you to review these Online Terms as they will be updated from time to time.
2.1 An Online Site may contain links to other websites (including other social media websites) which are owned or operated by third parties independent of AAMI (“Third Party Sites”). AAMI does not sponsor, endorse or approve of the operators of Third Party Sites, or material (including services, information, graphics, or data) which is located on such Third Party Sites (“Third Party Material”).
2.2 An Online Site may contain or link to information about special offers, deals or promotions by persons not related to or part of AAMI (“Third Party Offers”). AAMI does not sponsor, endorse or approve of any Third Party Offers or Third Party Material associated with these offers.
2.3 Subject to any applicable law which cannot be excluded, AAMI makes no warranties or representations:
2.3.1 regarding the quality, accuracy, merchantability or fitness for purpose of Third Party Material, or products or services available through Third Party Sites; or
2.3.2 that Third Party Material does not infringe the intellectual property rights of any person.
2.4 AAMI is not authorising the reproduction of Third Party Material by linking Site Content to Third Party Material.
2.5 When following a link on an Online Site, material at a Third Party Site may be displayed in your browser framed by Site Content. This material is also Third Party Material for the purpose of these Online Terms.
3.1 Your privacy and security is important to AAMI. Read terms 24 to 32 for information (the 'Privacy Statement' component) about how AAMI handles the information you provide it when you use one of our Online Sites.
4.1 Main Site content
The AAMI Main Site contains both information of a general nature about AAMI and AAMI’s products and services, and also enables you to purchase and pay for some insurance products and services online.
4.2 Completing transactions on the Main Site
4.2.1 When entering into a transaction via the Main Site, whether it be the issuance of an insurance contract, a renewal payment, or a transaction relating to any other product or service, the transaction will not be completed until an “Electronic Instruction” (being any electronic instruction, information, message, request or communication issued or transmitted to AAMI via the Main Site) containing the acceptance from you to AAMI’s offer, or the confirmation of payment from you, whichever is applicable, has been received and processed by AAMI, and any specific steps or requirements as set out in this term 4, have been complied with.
4.2.2 You acknowledge that the transmission of your acceptance or the confirmation of any payment, made through an Electronic Instruction, may not be received by AAMI in accordance with this term 4 for reasons beyond either parties’ reasonable control including, but not limited to, mechanical, software, computer, telecommunications, or electronic failure, or the omission or failure of third party service providers or systems.
4.2.3 You further acknowledge that, to the extent permitted by law, AAMI is not liable to you in any way for any loss or damage at all and however caused, arising directly or indirectly in connection with the transmission of an Electronic Instruction through the Main Site, or any failure to receive an Electronic Instruction for whatever reason.
4.3 Purchasing insurance policies
4.3.1 Where the Main Site enables you to purchase insurance products or services online:
(a) the parties may enter into an insurance policy using the Main Site by AAMI making an electronic offer via the Main Site and you electronically communicating your acceptance of that offer via the Main Site to AAMI;
(b) AAMI may act on and process all completed Electronic Instructions transmitted or issued through the Main Site without further consent from or reference to you; and
(c) AAMI may treat an Electronic Instruction as authentic and is under no obligation to investigate the authenticity or authority of persons issuing or transmitting such Electronic Instructions, or to verify the accuracy and completeness of such Electronic Instructions.
4.3.2 Creating a binding insurance contract with AAMI via the Main Site is a two-step process:
(a) the first step is to create a quote for the insurance product you are interested in and have selected. Upon completion by you of all required details, the Main Site will provide you with a quote, identified by a quote number. This quote and quote number will remain valid and accessible on the Main Site for up to 30 days; and
(b) if you wish to purchase insurance in accordance with a quote provided to you by AAMI via the Main Site, then, upon completion by you of all required details, step two enables you to accept that quote and create a binding insurance agreement with a corresponding AAMI policy number.
4.3.3 When entering into a contract via the Main Site, you will be taken to have communicated your acceptance to an offer of insurance from AAMI only when:
(a) the Electronic Instruction containing the acceptance from you enters and is recorded in the main AAMI database or relevant Suncorp Group database (both collectively referred to in term 4 as "Relevant Database");
(b) a record is created and stored in the Relevant Database;
(c) a AAMI policy number is generated by the Relevant Database; and
(d) AAMI receives all required details of a current and valid payment card or current and valid financial institution account number (in either case a card/account which you are authorised to use and which is of a card/account type accepted by AAMI), and to which AAMI is able to charge/debit the premium.
4.3.4 Some AAMI insurance policies available through the Main Site may offer a deferred payment option. Where this option is available and selected by you, term 5.3 of these Online Terms will additionally apply.
4.3.5 If you elect to pay your premium by instalments then you may be able to select the particular day of each month (or other instalment period) on which your payment card or financial institution account number will be automatically charged/debited for the relevant payment. If you elect to pay your premium by instalments the additional terms and conditions applicable to that payment arrangement will be made available to you as part of your policy documents (whether by way of Product Disclosure Statement, Supplementary Product Disclosure Statement and/or policy schedule), as well any relevant insurance purchase or variation transaction.
4.3.6 A binding insurance contract is conditional on AAMI being able to successfully charge against your nominated payment card or debit your financial institution account number, and AAMI receiving payment of your applicable premium (either by a single payment or where permitted in instalments).
4.3.7 Where a transaction is entered into between AAMI and you via the Main Site, a policy number will be issued by AAMI via the Main Site. However, a binding insurance agreement is not conditional on the issuance or receipt by you of a policy number but is conditional upon AAMI receiving your premium payment or your current and valid payment card (or financial institution account number) details and a valid policy commencement date election and if you elect to pay by instalments a valid direct debit day election. Therefore, the failure by you to receive a policy number via the Main Site does not invalidate or otherwise prejudice the existence of an insurance contract or transaction entered into using the Main Site.
4.3.8 AAMI may or may not issue a paper confirmation of the insurance policy. The existence of a binding contract is not conditional on AAMI issuing, or you receiving, a paper confirmation of the transaction.
4.3.9 You are responsible for ensuring that you receive a policy number and should contact AAMI if one is not received.
4.3.10 Where you only complete a quote on the Main Site and select an alternate payment option (meaning not a payment card payment online or a financial institution account debit payment or a ‘deferred payment option’ referred to in term 5.3), a binding insurance agreement is not created. Instead, you will need to make payment via an alternate option (such as paying by B-Pay, at an Australia Post Office, or making a payment card payment to AAMI over the phone). When paying by an alternate payment option, a binding insurance agreement will only be created once AAMI receives your full premium payment, or when AAMI receives your first premium instalment if we have offered this payment option to you and you have agreed to pay us your premium by instalments.
4.4 Renewal payments
4.4.1 The Main Site may offer an online facility for renewal payment of certain AAMI insurance policies with selected payment cards.
4.4.2 The policy renewal notice will indicate whether online renewal payment is available.
4.4.3 When the renewal payment facility is available, an online renewal payment can be made by following the “AAMI Pay” link on the Main Site.
4.4.4 When making a payment for a policy renewal via the Main Site, you will be taken to have renewed that policy only when:
(a) the Electronic Instruction containing the policy number, premium amount due and payment card details, and an instruction from you to renew the policy, enters and is recorded in the Relevant Database;
(b) AAMI receives all required details of a current and valid payment card which you are authorised to use, which is of a payment card type accepted by AAMI, and to which AAMI is able to charge the premium;
(c) a record is created and stored in the Relevant Database;
(d) a AAMI receipt number is generated by the Relevant Database; and
(e) the Relevant Database is updated with information from the payment database.
4.4.5 A binding insurance contract is conditional on AAMI being able to successfully charge against your nominated payment card and AAMI receiving payment of all applicable renewal amounts due for the policy (or policies) being renewed (either in a single payment or where permitted in instalments).
4.4.6 AAMI, at its discretion, may or may not issue a paper confirmation of the renewal payment. The existence of a valid payment is not conditional on AAMI issuing, or you receiving, a paper confirmation of the transaction.
5.1 All payments for any insurance products, renewals, amendments or other services purchased via the Main Site (including additional premium or other payments which arise from policy amendments made using My Policy Manager, as described in term 6.3), must be paid in full by clear funds by the due date specified in the relevant confirmation.
5.2 Except as specifically set out in terms 5.3 or 5.4 below, and unless provided for otherwise, all payments referred to in term 5.1 above are to be made by permitted payment cards (or permitted financial institution account debits, as relevant) at the time of purchase, renewal or amendment (as the case may be) of the applicable AAMI policy or service.
In the case of a payment card transaction, you must therefore provide to AAMI details of your permitted current and valid payment card, including:
(a) payment card type;
(b) name on payment card;
(c) payment card number;
(d) card verification value (CVV); and
(e) expiry date.
In the case of a financial institution account debit, you must provide to AAMI details of your permitted current and valid financial institution account, including:
(a) the name of your financial institution;
(b) the full name of the account holder; and
(c) the account number and its BSB number (bank/state/branch number).
5.3 When you purchase or renew some AAMI policies that are available through the Main Site, you may be offered a deferred payment option. Where this option is available and selected by you, AAMI will, in accordance with these Online Terms, and the relevant Product Disclosure Statement and terms and conditions of the applicable AAMI product or service, issue you with a seven (7) day temporary insurance cover contract. AAMI will also within this initial seven (7) day period email you a confirmation of the arranged cover which includes an account for the full insurance policy which has been selected by you and a schedule of insurance which will apply upon payment of the account. Full payment must be made in relation to such insurance policy in accordance with the account payment notice sent to you, and Product Disclosure Statement and the terms and conditions of the applicable AAMI product or service, which will always apply. Once AAMI receives full payment (in accordance with these Online Terms) for the applicable insurance policy then AAMI will send you a receipt and Product Disclosure Statement for that policy. Failure to pay in accordance with these requirements will automatically result in the interim seven (7) day temporary cover ending at the specified time, and the full insurance policy not commencing. AAMI may, but is not obliged to, provide you with further notice in such circumstances.
5.4 If you amend your AAMI insurance policy via My Policy Manager such that an additional premium or sum is due, then you may be offered a deferred payment option. Where this option is available and selected by you, AAMI will, in accordance with these Online Terms and the relevant Product Disclosure Statement and terms and conditions of the applicable AAMI product or service, send you an account within seven (7) days for any additional premium or sum due in relation to the policy amendment(s) selected by you. Please contact AAMI if you do not receive this account. Full payment must be made in relation to such policy amendments in accordance with the account notice sent to you, the Product Disclosure Statement and the terms and conditions of the applicable AAMI product or service. The amendment to your policy will take effect on the date the amendment is processed via My Policy Manager. However, if you fail to pay the additional premium or charge within the designated period, as stated on your account or otherwise advised, the applicable addition or amendment to your policy for which payment is not received will be cancelled, in accordance with the Product Disclosure Statement and the terms and conditions of the applicable AAMI product or service.
My Policy Manager (which forms part of our Main Site) enables you to view, manage and change certain details of your AAMI policy online. Please note My Policy Manager is not available, or not fully available, for all AAMI policy/product types. Specifically, AAMI Business Insurance, AAMI Life Insurance, AAMI Accidental Death Insurance, AAMI International Travel Insurance and Queensland AAMI Compulsory Third Party ("CTP") Motor Vehicle Insurance products cannot be viewed, managed, changed or renewed using My Policy Manager – you will need to contact AAMI or the relevant issuer in relation to the Life Products if you wish to request these transactions or information about any of these covers you hold. My Policy Manager only allows certain transactions (i.e. renewal payment) for NSW AAMI Compulsory Third Party ("CTP") Motor Vehicle Insurance. The terms in this term 6 are relevant only to those AAMI policies for which the relevant My Policy Manager functionality is available. In addition to the remainder of these Online Terms, the specific terms in this term 6 apply to My Policy Manager.
6.1 Accessing My Policy Manager
6.1.1 Some parts of My Policy Manager are only accessible to you if you have “logged in” by providing certain details as requested by AAMI on the log-in, registration and/or authentication pages of My Policy Manager, relating to you and/or one of your insurance policies currently held with AAMI (collectively, this information is your “Login”). You will only be able to “log-in”, generate a Login, and use My Policy Manager if you hold at least one current AAMI insurance policy for which the My Policy Manager function is available.
6.1.2 You must not provide details of your Login to any other person. You must not allow any other person to use your Login.
6.1.3 You must not use My Policy Manager to access or modify the details of another person or their insurance policy without their clear authority. Criminal penalties may apply if you do so.
6.1.4 By agreeing to register for My Policy Manager you agree to receive marketing information from time to time in the future from AAMI or its related companies via mail, phone, email or sms about products and services you may be interested in. If you don’t wish to receive this information, you can change your preference when you log into your My Policy Manager account. If you have previously opted out of these communications, we will continue to honour your earlier preference.
6.2 Loading your policy details into My Policy Manager
You may, in relation to any of your current AAMI insurance policies which are accessible via the functionality of My Policy Manager, include details of those policies in My Policy Manager and associate such policies with your Login (each such policy then being a “Loaded Policy”).
6.3 Amending your policy using My Policy Manager
During the term of your policy, and using My Policy Manager, you may have the option of adding, removing or amending certain covers, accessories, modifications and other aspects of your Loaded Policy. Any such amendment to your Loaded Policy may result in an additional premium or sum being payable in respect of the amendment. You will be advised if this is the case. Any additional premium must be paid for in accordance with term 5 before the modification to your Loaded Policy takes effect.
6.4 Policy delegation consents
6.4.1 AAMI reminds all users of My Policy Manager that all AAMI insurance policy delegation consents must be genuine, freely given consents.
6.4.2 In this term 6.4:
188.8.131.52 “Nominating Person” means the AAMI insurance policy holder who has been asked to permit another AAMI insurance policy holder to access, view and amend details of, and pay certain of that first person’s AAMI insurance policies.
184.108.40.206 “Requesting Person” means the AAMI insurance policy holder who has requested permission to access, view and amend details of, and pay, another AAMI insurance policy holder’s insurance policies.
220.127.116.11 “Selected Policies” means the AAMI insurance policies currently held by the Nominating Person which the Requesting Person has successfully sought permission to access, view and amend details of, and pay, and includes any renewals of such insurance policies.
6.4.3 The Nominating Person acknowledges that if their application is approved by AAMI the Nominating Person grants the Requesting Person full power to do, but only via My Policy Manager, all acts and things in relation to the Selected Policies which are available via My Policy Manager. This includes directing AAMI in relation to almost all aspects of the Selected Policies and their management, including changing the address recorded for purposes of the Selected Policies, but does not include cancelling or revoking the Selected Policies or removing an existing joint policyholder from the Selected Policies. You should contact AAMI by phone or email if you wish to remove a policyholder or cancel your policy. We will then respond to your specific request.
6.4.5 The Nominating Person agrees to be bound absolutely by all acts performed by the Requesting Person or under the Requesting Person’s Login in relation to the Selected Policies. The Nominating Person will be solely responsible for all actions and any loss caused by use of the Requesting Person’s Login, whether made by the Requesting Person or any other person.
6.4.6 A delegation does not prevent the Nominating Person from himself/herself directing AAMI in relation to all aspects of the Selected Policies and their management. Notwithstanding any inconsistency between the Nominating Person’s instructions in relation to a Selected Policy and those of a Requesting Person, AAMI may act on any instructions given by a Requesting Person and the Nominating Person will not have any claim against AAMI for any loss, damage, cost, liability or expense which might be incurred as a result.
6.4.7 The Nominating Person hereby declares that any information contained in this application or entered into My Policy Manager, including all policy information, is true and correct.
6.4.8 The Nominating Person understands and agrees that the Requesting Person will have access to the Nominating Person’s personal information held by AAMI in relation to the Selected Policies, other than any criminal record details held about the Nominating Person by AAMI.
6.4.9 The Nominating Person may revoke this delegation authority at any time by completing the appropriate process on My Policy Manager or by calling AAMI’s e-business team on 1300 226 493: Mon-Fri 8am-11pm or Sat-Sun 9am-11pm. However, such revocation will not be effective until notice of that revocation is received, processed and acknowledged by AAMI.
6.4.10 The Requesting Person must only access, deal with or give instructions to AAMI in relation to a Selected Policy for the benefit of the Nominating Person.
6.4.11 Each delegation authority is personal to the Requesting Person and may not be transferred to any other person.
6.5 Termination of My Policy Manager Access
6.5.1 Term 19 of these Online Terms applies in full.
7.1 Our Online Sites may contain or make available various tools, calculation devices, software programs, games or other features which may assist you in calculating such things as the optimal insurance policy, premium or level of excess. Our Online Sites may also contain other useful information, such as information about the insurance industry.
7.2 Whilst AAMI has undertaken reasonable steps to ensure that any such features or information as described in term 7.1 above are accurate and free from defect, AAMI does not warrant the accuracy, adequacy, correctness or completeness of these features, which are provided on an “as is” basis. The use by you of any of these features or any information provided is entirely at your own risk. The monetary figures used by these features in any calculations are estimates only and do not take account of your particular circumstances.
All enquiries or applications for insurance (including variations of cover) or other products made via any of our Online Sites are subject to and must comply with AAMI’s normal acceptance criteria and are governed by the normal terms and conditions applying to each product or service requested. The terms and conditions of the home, contents, landlord, motor vehicle, caravan and travel, AAMI offers are contained in these Product Disclosure Statements while the terms and conditions of AAMI’s business insurance products are contained in these Product Disclosure Statements. The terms and conditions of the Life Products issued by SLSL are contained in these Product Disclosure Statements and Policy Wordings. These documents can be accessed on the Main Site by selecting the product you are interested in from the left hand menu, then selecting the relevant "policy document" button. Please note that AAMI Business Insurance, AAMI Compulsory Third Party ("CTP") Motor Vehicle Insurance, AAMI International Travel Insurance, AAMI Accidental Death Insurance, and AAMI Life Insurance products are not covered by AAMI's Customer Charter. Whenever you make an enquiry or application for an AAMI insurance product you must answer any questions we ask honestly and completely. AAMI reserves the right to reduce or deny any claim you make under an AAMI policy and/or cancel the policy, if the information you provide us is not honest and complete. If any AAMI product requires that you comply with a duty of disclosure, AAMI will inform you of this in the application/sale transaction and this will be made clear in the relevant Product Disclosure Statement. AAMI reserves the right to reduce or deny any claim you make under an applicable AAMI policy and/or cancel the applicable policy, if the duty of disclosure has not been complied with.
9.1 When a user of any of our Social Media Sites (“Social Media Site User”) submits any personal information or materials via a Social Media Site including text, comments, recordings, images or otherwise (“Social Media Site User Content”), the Social Media Site User, unless AAMI advises otherwise , licenses and grants AAMI, its affiliates and sub-licensees a non-exclusive, royalty-free, perpetual, worldwide, irrevocable, and sub-licensable right to use, reproduce, modify, adapt, publish and display such Social Media Site User Content for any purpose in any media (including but not limited to, company brochures and other marketing and/or advertising material), without compensation, restriction on use, attribution or liability. AAMI qualifies this term 9.1 by stating that any recruitment application or related correspondence, which is not provided by way of an open public forum or other public process, will be treated by AAMI in accordance with the Privacy Statement component of these Online Terms, which begins at term 24.
9.2 Users agree that they are fully responsible for the Social Media Site User Content they submit. AAMI shall not be liable in any way for such Social Media Site User Content to the full extent permitted by law and shall not be deemed or considered to in any way authorise, endorse, approve or support any material submitted by any Social Media Site User. AAMI may screen and/or remove and/or request that the third party operator of any social media site or website remove any Social Media Site User Content without notice for any reason whatsoever. Social Media Site Users warrant and agree that: (a) they will not submit any Social Media Site User Content that is unlawful, fraudulent, or which may breach any intellectual property rights, privacy, publicity or other right, or is unreasonably commercial (for example, a ‘guerrilla marketing’ attempt), defamatory, obscene, profane, derogatory, pornographic, sexually inappropriate, violent, abusive, harassing, threatening, objectionable with respect to race, religion, origin or gender, not suitable for children aged under 15, misleading or deceptive, or otherwise unsuitable for publication; (b) they will obtain prior consent to the submission of their Social Media Site User Content from all persons who appear in (for example, in photographs) or have any rights in relation to any property that appears in or forms part of their Social Media Site User Content; (c) their Social Media Site User Content will be their own original work and, to the extent that any rights in that work (including copyright) are not owned by the Social Media Site User, they will obtain full prior consent from any person who has jointly created or has any rights in the Social Media Site User Content, to the uses and terms herein; (d) their Social Media Site User Content shall not contain viruses or cause injury or harm to any person or entity or device; and (e) they will comply with all applicable laws and regulations, including without limitation, those governing copyright, content, defamation, privacy, publicity and the access or use of others' computer, mobile communications device or any other communication systems.
9.3 Without limiting any other terms herein, the Social Media Site User agrees to indemnify AAMI (and any of its related bodies corporate) for any loss or expense AAMI and/or any of its related bodies corporate may suffer in relation to any breach of the above terms.
9.4 Social Media Site Users consent to any use of their Social Media Site User Content in accordance with term 9 which may otherwise infringe their moral rights pursuant to the Copyright Act 1968, including AAMI or its affiliates and sub-licensees using and reproducing that Social Media Site User Content without attributing it to the Social Media Site User, or making modifications or adaptations to the Social Media Site User Content for the purpose of reproducing, publishing or displaying that modified or adapted content in another media. Social Media Site Users warrant and agree that they will, prior to its submission, obtain an equivalent consent from each other person who has created the Social Media Site User Content. The Social Media Site User agrees to indemnify AAMI (and any of its related bodies corporate) against all costs and claims by third parties arising from a breach of this warranty.
Whilst reasonable steps have been undertaken to ensure that information is free from error, to the extent permitted by law, which law cannot be excluded, AAMI does not warrant the accuracy, adequacy or completeness of Site Content or any Online Site User Content or any Social Media Site User Content, on any of its Online Sites. All information is subject to change without notice. AAMI does not guarantee that any Online Site or any Third Party Site will be free from viruses, or that access to any Online Site or Third Party Site will function as intended or be uninterrupted. All terms implied by law, except those that cannot be lawfully excluded, are excluded.
Subject to any responsibilities implied by law and which cannot be excluded, AAMI, and its directors, employees, agents, contractors and related bodies corporate, are not liable to you for any losses, damages, liabilities, claims and expenses (including but not limited to legal costs and defence or settlement costs) whatsoever, whether direct, indirect or consequential, arising out of or referable to any Site Content, Online Site User Content, Social Media Site User Content, Third Party Material, third party services, or to access (or lack of access) to an Online Site (or website operated by any member of the Suncorp Group) by you, howsoever caused, whether in contract, tort including negligence, statute or otherwise.
You indemnify AAMI (and any of its related bodies corporate) in respect of any liability incurred by AAMI (or any of its related bodies corporate) for any loss, cost, damage or expense, howsoever caused, suffered by AAMI (or any of its related bodies corporate) as a result of your breach of these Online Terms or your use of any of our Online Sites.
No Online Site purports to provide you with financial product or investment advice of any kind. The information available via an Online Site does not take account of your particular financial or insurance position or requirements. AAMI suggests that you seek independent advice before acting upon any Site Content or any information found on a Third Party Site.
14.1 Since electronic services are subject to interruption or breakdown, access to an Online Site is offered on an “as is” and “as available” basis only.
14.2 AAMI may impose limits or restrictions on the use you may make of an Online Site. Further, for security, technical, maintenance, legal or regulatory reasons, or due to any breach of these Online Terms, AAMI may withdraw an Online Site (of part thereof) at any time and without notice to you.
14.3 Any cost associated with accessing an Online Site is the user’s responsibility and is dependent on the internet or telecommunications service provider used.
The Site Content contained on any Online Site is provided solely for bona fide personal or commercial customers only. By accessing, viewing or otherwise using any of AAMI’s Online Sites, you agree to abide by the terms and conditions of use contained in this term and term 16.
You agree that you will not, (either yourself or through any third party):
(a) use any robot, spider, screen scraper, data aggregation tool or other automatic device or process ("Automated Process") to process, monitor, copy or extract any web pages on any of our Online Sites, or any of the information, content or data contained within or accessible through any of our Online Sites, without AAMI's prior written permission;
(b) use any Automated Process to aggregate or combine information, content or data contained within or accessible through any of our Online Sites with information, content or data accessible via or sourced from any third party;
(c) use any information on or accessed through any of our Online Sites for any commercial purpose(including but not limited to market research, the provision of pricing estimates or 'shadow shopping') or otherwise (either directly or indirectly) for profit or gain;
(d) use any device, software, process or routine to interfere or attempt to interfere with the proper working of any of our Online Sites or any transaction or process being conducted on or through it;
(e) take any action that imposes an unreasonable or disproportionately large load on the infrastructure of or bandwidth connecting to any of our Online Sites;
(f) reverse engineer, reverse assemble, decompile or otherwise attempt to discover source code or other arithmetical formula or processes in respect of the software underlying the infrastructure and processes associated with any of our Online Sites; or
(g) copy, reproduce, alter, modify, create derivative works, or publicly display, any part of any content from any of our Online Sites without AAMI's prior written permission.
You must only use our Online Sites (as permitted by their design) to:
(a) obtain insurance quotes;
(b) obtain other information relating to the price of insurance cover from AAMI;
(c) conduct insurance related transactions (including using any self-service function to manage your insurance policy) or queries;
in respect of insurance cover for you or a member of your immediate family (with their prior consent) or for a commercial enterprise for which you seek bona fide insurance cover.
You agree not to otherwise use any of our Online Sites to obtain insurance quotes, or to obtain other information relating to the price of insurance cover from AAMI or conduct insurance-related transactions or queries.
You also agree to indemnify AAMI in respect of any liability incurred by AAMI for any loss, cost, damage or expense, howsoever caused, suffered by AAMI as a result of your breach of this term 16.
18.1 Copyright in the Material on an Online Site is owned or licensed by AAMI.
18.2 Except where necessary for and incidental to viewing or using the Site Content on an Online Site via your web-enabled browser (whether on a personal computer or on a portable electronic device), or as permitted under the Copyright Act 1968 or other applicable laws, no Site Content on an Online Site may be reproduced, stored (for any period of time) in an electronic or other retrieval system, adapted, uploaded to a third party location, framed, performed in public or transmitted in any form by any process whatsoever without the specific written consent of AAMI.
18.3 AAMI and each of its related bodies corporate separately reserve their copyright and all other legal rights with respect to their trademarks, whether registered or otherwise. “AAMI”, “AAMI Life Time”, “AAMI Insurance”, "Lucky you're with AAMI", "Flexi Premiums", "Complete Replacement Cover", “AAMI Safe Driver Rewards”, “AAMI Safe Rider Rewards”, “AAMI Travel App”, "AAMI Business Insurance", Business@home" are each registered trademarks of AAMI. "Just Car Insurance" and the "Just Car Insurance" registration plate style logo are each registered trademarks of Just Car Insurance Agency Pty Ltd. "Bingle", "Bingle your car" and "Bingle.com.au" are each registered trademarks of Bingle.com Pty Ltd.
18.4 Third party trademarks are trademarks of the respective third parties.
19.1 Termination of these Online Terms
These Online Terms and your access to our Online Site(s) may be terminated at any time by either party without notice to the other. However, all restrictions, licences granted by you, and all disclaimers and exclusions of and limitations on liability of AAMI, will survive any termination.
Upon termination, you must not directly or indirectly access or use the relevant Online Site(s) or any Site Content on the relevant Online Site(s).
19.2 Termination of access to My Policy Manager
AAMI reserves the right to terminate your access to My Policy Manager at any time upon notice to you. You may terminate your access to My Policy Manager at any time upon notice to AAMI, which notice must be given to AAMI either by calling AAMI’s e-business team on 1300 226 432: Mon-Fri 8am-11pm or Sat-Sun 9am-11pm or by emailing firstname.lastname@example.org and provided sufficient identifying information along with your request. However, such termination will not be effective until notice of that termination is received, processed and acknowledged by AAMI. Upon termination for any reason of these Online Terms and/or your access to My Policy Manager, any delegation authorities issued in accordance with these terms will automatically (and immediately) terminate and you must not directly or indirectly access or use My Policy Manager or any My Policy Manager functionality or services. The limitation of liability expressed in term 19.1 also applies to the termination of My Policy Manager access.
19.3 Prohibition on access post termination
Upon termination of these Online Terms and your right to access to our Online Site(s), you must not directly or indirectly access or use any part of our Online Site(s) or any Site Content.
21.1 If you are dissatisfied with your dealings with AAMI in relation to your use of an Online Site please let us know by emailing us at email@example.com
21.2 We will review your email and contact you with a reply or to ask you for further information, if it’s required. If you make a complaint and it is about an AAMI insurance policy or insurance claim, you may have additional rights of appeal, such as under AAMI's formal dispute resolution process. We will tell you if that is the case. See the “Customer Service” section on our Main Site for more information about how AAMI resolves complaints.
22.1 An Online Site may be viewed and interacted with by anyone in the world, however age limits may apply to certain Site Content (including the sale or issue of any insurance product), promotions or offers.
22.2 AAMI only offers its insurance products for sale within Australia.
22.3 The law applicable to an Online Site (including AAMI’s operation of any Social Media Site), and to any complaints arising from an Online Site is the law of the State of Queensland, Australia. By using any of our Online Sites you irrevocably submit to the jurisdiction of the courts of the State of Queensland, Australia, and appeal therefrom.
22.4 Should any term or part of these Online Terms be found to be void, unenforceable or invalid, then it is severed from this agreement, leaving the remainder in full force and effect, provided that the severance has not altered the basic nature of this agreement.
22.5 You may not rely on the words or conduct of AAMI as a waiver of any right unless the waiver is in writing. In this term “conduct” includes delay in the exercise of any right. “Right” means any right of AAMI arising under or in connection with these Online Terms or otherwise, and includes the right to rely on this term. “Waiver” includes an election between rights and remedies, and conduct which might otherwise give rise to an estoppel.
Unauthorised linking to any part of an Online Site (including any part of a Social Media Site or website operated by a related body corporate that is part of the Suncorp Group) is expressly prohibited. Please contact us if you would like to link to any part of our Online Site(s). Only written permission from us will constitute authorisation of a link.
24.2 These Online Terms explain AAMI’s policy for handling personal information which you may provide to us as you access and/or use an Online Site. AAMI encourages you to review these Online Terms periodically as they may be updated from time to time.
24.3 In addition to the provisions of these Online Terms there may also be additional privacy provisions that apply to your use of an Online Site or as a result of your membership (or your application for membership) of a third party social media website that hosts a AAMI Social Media Site. Should you decide to register for or participate in a promotion or other activity, or purchase a product or service from us, you will be bound by the relevant terms of that promotion, activity, product or service.
25.1 AAMI understands that you, as a visitor or user of an Online Site, are concerned about the security and privacy of information we may gain about you online. AAMI is committed to respecting your privacy and, at all times, complies with its obligations under Australian privacy law.
25.2 AAMI values the personal information you provide us and will take reasonable precautions to prevent unauthorised access to that information.
25.3 Notwithstanding any other term in these Online Terms, you agree and freely acknowledge that when you submit comments, recordings, images or other personal content, for public display on an Online Site, that content may be available for anyone in the world to read and/or view and/or comment on and potentially download. See terms 9 and 27 for further information about the public display of your content.
25.4 AAMI’s Main Site and Mobile Site use the services of the firm Site Catalyst to monitor website use. Site Catalyst does not collect any personal information while you use our site(s) and the reports it provides to AAMI are of aggregated information only. These reports help AAMI to maintain, administer and improve these sites.
26.1 Unless otherwise stated, when you send AAMI an electronic message (whether email or otherwise), the content of your message and any email or machine address is retained by us for only as long as it takes to respond to your inquiry or provide you with what you’ve requested, unless you provide us with your permission to retain that information for longer or where we believe there is a legal reason to retain the information for a longer period.
26.2 Unless otherwise stated, when you post a public comment or upload other public data to an Online Site, that information may be displayed by AAMI publically in accordance with terms 9, 25 and 27. Your information may also be retained by AAMI where we believe there is a legal reason to retain it for a longer period.
27.1 General Information
27.1.1 The information we will collect about you will depend on how you use an Online Site.
27.1.2 If you use an Online Site to read, browse or download information, our computer system may record information such as the date and time of your visit, the pages accessed and any information downloaded. This information may be used for statistical, reporting, site/application administration and maintenance purposes only.
27.1.3 An Online Site may offer interactive facilities including tools, games and other online features. If you use any interactive facilities, we may, but generally do not, capture any personal information which you may enter when using these tools.
27.2 Personal information submitted to an Online Site
27.2.1 When a user of an Online Site (“Online Site User”), including any Social Media Site User referred to in term 9 above, submits any personal information via an Online Site, whether in the form of text, comments, recordings, images or otherwise (“Online Site User Content”) (for the avoidance of doubt, Online Site User Content includes Social Media Site User Content, as far as is relevant in the circumstances), the Online Site User consents to that personal information being collected by AAMI and used and disclosed for any purpose permitted by these Online Terms, and otherwise as permitted by relevant privacy laws in Australia.
27.2.2 We collect your personal information and use it for the purposes of identifying you, establishing your requirements and providing products or services, setting up and managing our products and services, assessing and managing a claim and understanding your needs and improving our products and services through research, product development and training.
27.2.3 AAMI is part of the Suncorp Group and we disclose your personal information to all related companies within this Group. The other Suncorp Group companies use and disclose your personal information for the purposes described above in relation to any products and services they may provide to them. Other companies in the Suncorp Group may also use your personal information for the purposes of providing products and services to other customers, (but will not disclose your personal information to any other customer without your consent).
27.2.4 We may disclose your personal information to and/or collect your personal information from other companies within the Group; any joint ventures where authorised or required; information technology providers, such as hardware/software vendors and programmers; customer or market research organisations; intermediaries such as your agent, adviser, broker, a representative acting on your behalf, other Australian Financial Services Licensees, or our own authorised representatives and agents; policy holders, where you are an insured person, but not the policy holder; government, law enforcement or statutory bodies; Financial Ombudsman Service; other insurers, financial institutions, insurance and claims reference agencies, credit agencies, loss assessors, financiers, and investigative service providers; in the case of a relationship with a corporate partner such as a bank or credit union, the corporate partner and any new incoming insurer; legal, accounting, finance and other professional advisers hospitals, medical and health professionals; administration or business management services; printers, mail service and delivery providers and imaging and document management services.
27.2.5 In the case of personal information which is provided to AAMI for public display by a Social Media Site User (this includes any ‘tweet’ you send to AAMI on Twitter, which we may “re-tweet” to other Twitter users), AAMI may display that information to other Online Site Users or otherwise display the Online Site User Content for any purpose in any media (including, but not limited to, commercial brochures and/or other advertising material). See also term 9 for what other uses and/or disclosures AAMI may make of a Social Media Site User’s personal information and what limits it imposes.
27.2.6 AAMI may collect personal information belonging to an Online Site User, such as their name, email address or social media site alias, in order to provide them with the interaction or outcome they have requested. This may require AAMI to disclose an Online Site User’s personal information to one or more third parties, including but not limited to agents or external service providers.
27.2.8 Where practical we will collect your personal information directly from you. Generally, we may collect personal information about you when you deal with us by email, letter, phone, in person at vehicle repair centre or other location.
27.2.9 If you have not proceeded with an AAMI online quotation within 30 days of its issue, it is automatically and completely removed from our records. Within this period your details are never stored on any web server or computer system directly connected to the internet.
27.3 Security of personal information submitted to our Main Site
27.3.1 All personal information you provide to our Main Site, Mobile Site and/or our Competition Site over the internet while inquiring about or obtaining an insurance quotation, or entering a promotion (as relevant) is passed through a secure, encrypted connection. The secure connection is over a protocol called secure sockets layer (SSL). AAMI uses the strongest form of SSL encryption (128-bit), which provides a very high level of protection against unauthorised access in order to prevent unauthorised persons from reading the information you send to AAMI while it is in transit over the internet. Once your personal information has been received at our Main Site, Mobile Site and/or our Competition Site (as relevant), we take all reasonable precautions to securely pass that information to the AAMI mainframe computer or to another member of the Suncorp Group on behalf of AAMI, or in the case of a promotion, to our secure promotion database. These mainframe computers are not directly accessible through the internet, nor is our promotion database. No details you provide to us are stored on a web server.
27.3.2 When you make an online payment on one of our Online Sites your payment card number will be passed in a secure manner between our Online Site and one or more third party providers, such as the issuer of your payment card. Your payment card number will be recorded in a mainframe computer operated by AAMI or by another member of the Suncorp Group on behalf of AAMI, and will not be transmitted over the internet to payment card providers or payment providers. Neither AAMI nor any payment provider we allow will store your payment card details on any web server. If your payment card number is stored it will only be for AAMI or financial institution record keeping purposes (or otherwise as required by law), and then it will be stored with an even higher level of encryption.
27.4 Personal Information submitted to AAMI for recruitment purposes
27.4.1 As part of our recruitment process, we will gather information on your background, including personal information that you include on your application or resume, such as your name, mailing address, telephone number, email address, career history, details of any competency tests or other information relating to your career.
27.4.2 In some circumstances, we may also collect sensitive information about you such as information about your membership of a professional or trade association or trade union; security clearance or any criminal record(s) or charges you may have had filed against you. When we need to collect this type of information, we will obtain your consent. If it is provided to us by way of your initial application, then your consent for us collecting it will be inferred.
27.4.3 There may be occasions when we obtain personal information about you from a third party; for example, when receiving the results of a psychological or competency test or assessment centre results. When we need to collect this type of information, we will obtain your consent prior to you taking part in the exercise.
27.4.4 In relation to the collection of personal information regarding references, we will not approach any referees without your specific permission or knowledge.
27.4.5 Please be aware, if you do not provide AAMI with the information we require, we may be limited in our ability to consider you for employment.
27.4.6 Unless permitted by law, we will only use your personal information collected in relation to recruitment for the primary purpose of employment with AAMI.
27.4.7 Should AAMI engage/employ third party contractors or vendors to perform recruitment services for us, which involve handling your personal information, we will take reasonable steps to prohibit these parties from using your personal information except for the purposes for which it was supplied.
28.1 If you decide to enter a promotion that is made available or otherwise advertised on an Online Site you will need to agree to that promotion's separate terms and conditions, which will be drawn to your attention as part of the entry process.
28.2 If a promotion's terms and conditions include opting into the promoter's marketing communications, you can change your mind and unsubscribe (subject to any specific restrictions for the relevant promotion) by contacting the promoter on the contact details provided in their promotional terms.
29.1 If AAMI has collected your personal information through your use of a an Online Site, then you have a right to access, update or correct that personal information, with some limitations as permitted by Australian law. You also have the right to make a complaint about your privacy. You should direct any information access or correction request or privacy concern relating to your use of an Online Site as follows.
For AAMI home, contents, travel and motor vehicle insurance:
Email us firstname.lastname@example.org or call us on 13 22 44 or write to us at:
AAMI E-Business Operations Manager
601 St. Kilda Road, Melbourne, VIC 3004
For AAMI business insurance:
Email us email@example.com or call us on 13 22 44 or write to us at:
AAMI Business Insurance
GPO Box 2470, Adelaide, SA 5001
For AAMI life and accidental death insurance:
Email us firstname.lastname@example.org or call us on 13 22 44 or write to us at:
AAMI Life Insurance
GPO Box 3950, Sydney, NSW 2001
29.2 We will review your correspondence or request and contact you with a reply or to ask you for further information, if it’s required. We respect your legal right to access and correct your personal information and will respond to your request within a reasonable time. We will ordinarily not charge you a fee to access your personal information, however in some circumstances we may elect to charge you a reasonable fee for access, as permitted by law.
29.3 If you make a complaint about your privacy you may have additional rights of appeal, such as under AAMI’s formal dispute resolution process. We will tell you if that is the case. See the “Customer Service” then “Consumer Appeals” tabs on our Main Site for more information about how AAMI resolves privacy complaints.
Our Online Sites may contain links to Third Party Sites (see term 2.1). Third Party Sites should contain their own privacy statements and those third parties are responsible for informing you about their security and privacy practices.
31.1 Our Online Sites use “cookies” as a fundamental part of their interaction with your internet browser. Cookies enable AAMI to provide you with a superior, customer-oriented service. A "cookie" is a small text file placed on your computer by our web server. A cookie can later be retrieved by AAMI's website servers. Cookies are frequently used on websites and you can choose if and how a cookie will be accepted by configuring your preferences and options in your browser. Cookies do not alter the operation of your computer or mobile device in any way.
32.1 You agree to obtain the prior consent of any other person whose personal information (whether in the form of words, images, recordings or otherwise) you submit to AAMI via an Online Site, including any Social Media Site. We will collect this information from you in good faith and take reasonable precautions to ensure it is handled in accordance with relevant Australian privacy laws. If you are not sure whether the other person would agree with you providing their personal information to AAMI, please exercise caution and DO NOT provide it to us.
These Online Terms are dated 11 October 2011.
The terms on which AAMI offers each insurance policy are governed by the relevant policy document (which includes the Product Disclosure Statement). By accessing a quote and buying insurance on AAMI’s website you agree to receive a copy of the relevant policy document by accessing the link below.
You should download and read the relevant policy document for the insurance cover that you are interested in before you buy that insurance.
If you decide to buy a policy, your answers to the questions on the following screens will form the basis of your insurance policy and it is important that your answers are accurate and complete.