Terms & Conditions

1. Acceptance of these Terms

By accessing or using the Policy Direct website, you agree to these Terms & Conditions. If you do not agree with these terms, you should not use the website.

2. About Policy Direct

Policy Direct is an Australian insurance information and referral website. The website provides information and pathways relating to personal insurance, visa health insurance and business insurance.

Unless expressly stated otherwise, Policy Direct is not the insurer or product issuer for insurance products displayed or discussed on this website. Insurance products and external quote pathways are provided by the relevant insurer or third-party insurance platform.

3. General Information Only

Information on this website is provided for general information purposes. It is not intended to take into account your personal objectives, financial situation or needs and should not be treated as personal financial advice, legal advice, migration advice or a recommendation that a particular insurance product is suitable for you.

Before purchasing insurance, you should consider the relevant product information, policy wording, terms, conditions, limits, exclusions, waiting periods and eligibility requirements provided by the insurer or product issuer and obtain professional advice where appropriate.

4. Insurers and Third-Party Providers

Policy Direct may display information about, or provide links to, insurers and external insurance platforms. Those organisations are responsible for their own products, services, websites, quotations, underwriting decisions, eligibility criteria, policy documents and customer service.

The inclusion of an insurer, product or external platform on Policy Direct does not mean that every available insurer or insurance product in the market is displayed. The range of providers and products shown may change from time to time.

5. Referral and Affiliate Arrangements

Some links on Policy Direct may be referral or affiliate links. Policy Direct may receive a commission, referral fee, affiliate payment or other benefit when eligible activity or a purchase occurs through certain links.

The existence of a commercial arrangement does not change the terms, eligibility, underwriting or cover offered by the relevant insurer or product issuer. You should make your decision based on the product information and your own circumstances.

6. Quotes, Prices, Promotions and Availability

Any premium, price, discount, promotion, benefit or offer displayed on Policy Direct is provided for general information and may change without notice. Actual premiums and eligibility may depend on factors determined by the insurer or external provider.

Unless expressly stated otherwise, a price shown on Policy Direct is not a binding quotation from Policy Direct. The final price, policy terms and availability are those confirmed by the relevant insurer or provider at the time you obtain a quote or purchase the product.

Promotional offers may be subject to eligibility criteria, commencement and expiry dates, minimum policy periods and other provider terms. Always confirm the current offer directly with the relevant provider.

7. Accuracy of Website Information

We aim to keep Policy Direct information useful and current, but insurance products, premiums, promotions, visa-related requirements and provider terms can change. We do not guarantee that all website information will always be complete, current or free from error.

If information on Policy Direct differs from the current information supplied by an insurer, product issuer, government authority or other relevant provider, you should rely on the authoritative source for the applicable product or requirement.

8. Acceptable Use of the Website

You must not use Policy Direct in a way that is unlawful, fraudulent, harmful or disruptive. You must not attempt to interfere with the website's security or operation, gain unauthorised access to systems or data, introduce malicious software, or use automated means to extract website content at a scale that unreasonably affects the website or infringes our rights.

9. Intellectual Property

Unless otherwise indicated, the Policy Direct website design, original written content, graphics and other materials created for Policy Direct are owned by or licensed to Policy Direct and are protected by applicable intellectual property laws.

Third-party names, logos, trademarks and product materials remain the property of their respective owners. Their appearance on this website does not transfer any ownership rights to Policy Direct.

You may view and use the website for personal, non-commercial purposes. You must not reproduce, republish, commercially exploit or substantially copy our original website content without permission, except where permitted by law.

10. External Websites and Links

Policy Direct contains links to websites operated by third parties. We do not control those websites and are not responsible for their content, availability, security, privacy practices or subsequent changes.

When you leave Policy Direct and use a third-party website, that organisation's terms, privacy policy and other conditions apply.

11. Liability

To the maximum extent permitted by law, Policy Direct does not accept liability for loss or damage arising solely from reliance on general information on this website, from the availability or operation of a third-party website, or from decisions made by an external insurer or provider.

Nothing in these Terms excludes, restricts or modifies any consumer guarantee, right or remedy that cannot lawfully be excluded, restricted or modified under the Australian Consumer Law or other applicable law.

12. Privacy

Our handling of personal information is addressed in our Privacy Policy. When you provide information directly to an insurer or external platform, that organisation's privacy policy applies to the information you provide to it.

13. Changes to the Website and These Terms

We may update website content, providers, links, features and these Terms & Conditions from time to time. We may also suspend or discontinue parts of the website where reasonably necessary.

The current version of these Terms will be published on this page. Continued use of the website after updated Terms are published constitutes acceptance of the updated Terms to the extent permitted by law.

14. Governing Law

These Terms & Conditions are governed by the laws of Victoria, Australia. Subject to any rights you have under applicable consumer law, disputes relating to these Terms are subject to the jurisdiction of the courts and tribunals of Victoria and any courts entitled to hear appeals from them.

15. Contact Policy Direct