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2020 QBE Motor Insurance and Car Loan Promotion T&C

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  1. Promotion: The Promotion is called “2020 QBE Motor Insurance and Car Loan Promotion”. Information on how to participate in the Promotion forms part of these terms and conditions of eligibility. Participation in the Promotion is deemed acceptance of these terms and conditions of eligibility.
  2. Promoter: The Promoter is Unity Bank Limited ABN 11 087 650 315 | AFSL/Australian Credit Licence 240399. Reliance Bank and Bankstown City Unity Bank (BCUB) are divisions of Unity Bank Limited.
    QBE insurance policies are issued by QBE Insurance (Australia) Limited. ABN 78 003 191 035, AFS Licence 239545.
  3. Eligible Entrant: Entry into this Promotion is only open to an individual who is;
    - who is a Member of Unity Bank, Reliance Bank or Bankstown City Unity Bank
    - aged 18 years or older at the time of entry; and

    - not a director, manager or employee (or an immediate family member) of the Promoter or its related companies or agencies associated with this Promotion.
  4. Entry:  The Promotion commences at 9.00am AEST on 01/06/2020 and entries close at 3.59pm AEST on 14/08/2020 (“Promotional Period”).  To enter, the Eligible Entrant must purchase a new comprehensive car insurance policy through Unity Bank, Reliance Bank or Bankstown City Unity Bank between the Promotional Period to receive a $200 Visa Eftpos Gift Card. To receive an extra $100 Visa Gift Card, the Eligible Entrant must also take out an Eligible Car Loan with Unity Bank, Reliance Bank or Bankstown City Unity Bank between the Promotional Period. A maximum of one (1) $100 Visa EFTPOS Gift Card per Eligible Car Loan and one $200 Visa EFTPOS Gift Card per Eligible QBE Insurance Policy.

Eligible QBE Policy

  1. The Eligible QBE Policy for this promotion is a new, comprehensive car insurance policy.  
  2. This Promotion does not apply to the renewal of any current QBE policies.
  3. The purchase and payment of a new QBE Eligible Policy is deemed to occur when the Member agrees to become bound by the terms of the relevant Eligible Policy, the Member pays for the Eligible Policy during the Promotional Period, and the Eligible Policy remains active after a 21 day cooling off period.
  4. An agreement by a policyholder to enter a periodic instalment plan for an Eligible Policy is deemed to be payment of that product.
  5. The Visa Eftpos Gift Cards will be delivered to the Eligible Entrant’s nominated postal address within 30 days of first payment of the QBE Insurance Policy. 
  6. The determination of valid participation is at the sole and exclusive discretion of the Promoter.
  7. The Promoter’s decision is final and no correspondence will be entered into.
  8. Eligible members will be notified in writing and $200 Visa Eftpos Gift Card will be mailed to them within 4 weeks from receipt of the first premium instalment.
  9. Gift cards are not transferable, exchangeable, or redeemable for cash.
  10. Any element of any gift card that is unused or the winner is unable to accept for any reason will be forfeited and no compensation will be paid in lieu of that element, whether a part or the whole, of the voucher.
  11. The Promoter is not responsible for any variation in the value of the voucher between the commencement of the Promotion Period and the date of redemption.
  12. The Promoter is not responsible for any problem or technical malfunction of any communications network or data storage device or any late, lost, incorrectly submitted, delayed, ineligible, incomplete, corrupted or misdirected entry whether due to error, interruption to electricity supply or transmission of data, or otherwise.
  13. The Promoter accepts no responsibility for any lost or misdirected mail.
  14. The Promoter will not be liable for any loss or damage whatsoever suffered (including but not limited to indirect or consequential loss) or for any personal injury suffered or sustained in connection with redeeming the voucher, except for any liability which cannot be excluded by law.
  15. Entry details, including personal information provided by Members, remain the property of the Promoter. The Promoter collects Members’ personal information in order to conduct the Promotion and provide its services. It is a condition of this offer that this information is provided. By entering the Promotion the Member agrees that the Promoter may use this information in any media for future promotional, marketing or publicity purposes without any further reference, payment or other compensation to the Member. For more information about how the Promoter may use Members’ personal information, please refer to the Promoter’s Privacy Policy, which is

Eligible Car Loan Products

  1. Eligible Unity Bank, Reliance Bank, BCUB car loan products for this promotion are (excluding all packaged Car Loans):
    a. Car Loan Variable Age of vehicle up to 3 years
    b. Car Loan Fixed Age of vehicle up to 3 years
    c. Car Loan Variable Greater than 3 years, up to 7 years
    d. Car Loan Fixed Greater than 3 years, up to 7 years
  2. Minimum loan amount is $10,000 with a minimum loan term of one (1) year.
  3. Car Loan terms, conditions, fees, interest, charges and lending criteria apply and are available at the time of application.

The Promoter reserves the right to cancel the Promotion if it is of the opinion that the Promotion has been interfered with or is not capable of being conducted due to any reason outside of the Promoter’s reasonable control and will not be liable for any loss or damage whatsoever which is suffered or sustained as a result.