Standard Terms of Use for Website
Australian Alliance Insurance Company Limited ABN 11 006 471 709 (AAI) AFS Licence No. 235011, Level 4, 440 Collins Street, Melbourne 3000, is the issuer for policies effected by InsureMyRide Pty Limited ABN 75 121 676 293.
InsureMyRide Pty Limited is an authorised representative and wholly owned subsidiary of AAI, and acts as AAI's agent under an authority given to it by AAI to enter into contracts of insurance on behalf of AAI as insurer and deal with and settle claims on behalf of AAI. This domain name and website are owned by AAI and operated by InsureMyRide. The Terms of Use (including the Privacy Statement) govern your access to and use of the information, text, graphics and materials on the website ("Content") and the computer storage, processing and use of your personal information.
InsureMyRide reserves the right to vary the Terms of Use (including the Privacy Statement) at any time by publishing the varied provisions on this website. You accept and agree that by doing this InsureMyRide has provided you with sufficient notice of the variation.
1. Accuracy of Information
The Content has been compiled from a number of sources and is accurate at the time of its inclusion on the website. Information on which the Content is based and the Content itself are subject to change without notice. We will endeavour to update the website as soon as practical after making any changes.
2. Advice
This website contains general advice only and does not take into account your individual objectives, financial situation or needs. Before acting on this advice you should assess whether it is appropriate for you. You should also consider the relevant Product Disclosure Statement (PDS) and policy wording before making any decision about a product detailed on this website.
3. Intellectual Property
The Content is owned or licensed by InsureMyRide, is the intellectual property of InsureMyRide or its licensors and is protected by copyright, trademark and common law. Nothing on this website grants, or shall be construed as granting, any license, sub-license or right to use any of the trademarks appearing on it.
Except where necessary for viewing the Content on your browser or as a permitted use under the Copyright Act 1968 (Cth) or other applicable law, no material on this website may be reproduced, adapted, uploaded to a third party, linked to, framed, performed in public, distributed or transmitted in any form or by any process, for any commercial purpose without the specific written consent of InsureMyRide.
You must not use the Content for any illegal or unlawful purpose.
4. Links to Other Sites
This website may contain links to other sites independently maintained by others. As InsureMyRide does not control these other sites, we cannot be responsible for the content or accuracy of the information or other material on any linked sites. The provision of a link to another website does not mean that InsureMyRide makes a recommendation or gives any endorsement or approval of any products or services displayed on those other sites.
5. Limitation of Liability
Subject to any responsibilities or liabilities implied by law and which cannot be excluded by law, neither AAI or InsureMyRide or any companies related to AAI or InsureMyRide nor any director, officer, employee, consultant or agent thereof accepts any responsibility or liability for any loss or damage arising in any way (including by reason of negligence) for errors in and omissions from the Content and does not accept any responsibility nor owe any duty of care to any person acting or refraining from acting as a result of information on the site.
6. Jurisdiction
This website is for access and use by Australian residents only. Some of the Content may be limited in its application to specific States and/or Territories of Australia. The website and these Terms of Use will be governed exclusively by the law of the State of New South Wales, Australia.
Privacy Statement for Website
1. Your Personal Information
InsureMyRide believe that any personal information we have about you should be carefully protected to ensure that your privacy is maintained.
2. What is personal information?
Information that can be used to identify where you live, your lifestyle, and marital status is personal information and, as such, is regarded by us as information that is to be carefully protected.
3. Why do we collect your personal information?
InsureMyRide collects personal information for the purposes of arranging insurance products and services for you. This includes:
assessing and determining the suitability of the risk;
providing you with insurance cover;
making any alterations to the insurance cover provided;
investigating any claim made and managing any claim that we agree to pay in relation to any insurance you have with us or other members of the Suncorp Group Limited.
We may use your personal information (other than sensitive information) to enable us to send you information about other products and services from time to time. We may use your personal information for any other purpose connected with the above where you may reasonably expect us to use or disclose your personal information.
4. What happens if you choose not to provide us with this information?
If you do not provide us with the personal information required we may be unable to issue insurance cover, assess or manage any claim made.
5. Who will we disclose your personal information to and collect it from?
We may disclose your personal information to and collect it from the following kinds of people or organisations including AAI, when appropriate, and only in connection with the above purposes:
other members of our parent organisation, the Suncorp Group Limited, of which we are a member;
reinsurers;
other insurance companies;
mailing houses;
claims reference providers;
claims assessors;
claim investigators;
hospitals, medical and health professionals;
legal and other professional advisers;
other service providers.
We may disclose some of your personal information to an external market research company who may contact you to ascertain your satisfaction with the service that you received from us in relation to a claim under your policy. The information collected combined with the findings from the market research will be returned to us in order to improve our service to you.
InsureMyRide does not engage in the selling of customer records to external parties.
6. How can you access the information we hold about you?
You can request access to the personal information we hold about you by:
phoning us on 13 24 53. In this instance, you will be asked to provide suitable identification to satisfy us that you are who you claim to be. We do this to ensure that we are not providing your personal information to someone else.
writing to the Business Unit Manager, identifying yourself and stating the information sought.
7. How we will handle your request for information
We will endeavour to respond to your request as quickly as possible. Depending on the nature of your request and the accessibility of the information, we will respond within five business days. In some circumstances we may charge for the costs associated with providing you with your personal information. We will inform you if a charge applies before we locate the information for you.
8. Sometimes we may not give you access to your personal information
In some circumstances we may not be able to provide you with your personal information. In such cases we will give you the reasons for our decisions.
9. What happens if you have a dispute about your personal information?
If you have a complaint about privacy or you do not agree with a decision we have made about your request to access your personal information, we have an internal dispute resolution process.
10. How to contact us?
Phone us on 13 24 53. If we are unable to resolve the matter over the phone we will ask you to put your request in writing.
Write to us at InsureMyRide, PO Box 110, Artarmon NSW 1570. You will be requested to send us the full details of your complaint, including any supporting documents and evidence, and explain what you would like us to do.
11. This is what we will do...
By phone
If you phone us, you will be advised the name of the most appropriate person to deal with the matter. If we are unable to resolve the matter at this time we will ask you to put it in writing.
In writing
If you write to us, your letter will be directed to:
a person who has authority to deal with it, and
a person who will consider the facts and contact you to help you resolve your complaint as soon as possible, usually within 24 hours of receipt of the complaint.
If the matter cannot be resolved to your satisfaction, it will be referred to the Business Unit Manager and you will be contacted within 5 business days.
If the matter is still not resolved it will be referred to the General Manager, who will advise you of our final decision within 15 business days from the date you first made your complaint.
12. If your dispute remains unresolved
We expect our procedures will deal fairly and promptly with your complaint. However, if you remain dissatisfied you can direct your written complaint to the Federal Privacy Commissioner.
You can write to the commissioner at:
Federal Privacy Commissioner
GPO BOX 5218
SYDNEY NSW 1042
Or phone 1300 363 992 for the cost of a local call anywhere in Australia.
