Terms & Conditions

1) About this website
This website is owned and operated by Live eftpos Pty Limited ABN 68 127 707 975 (“Live eftpos”) and includes all web pages under or forming part of the domain name “Liveinsure.com.au” and any other Live insure – branded web pages which include an authorised link to these Terms of Use (the “Live insure Website”).

Your use of the services, information, text, graphics, materials and other content on any part of the Live insure Website (“Material on this Website”) is governed by these Terms of Use and the associated Privacy Statement. By using this website you agree to be bound by these Terms of Use.

In addition to the Terms of Use contained in this document, other terms of use or conditions may apply to your use of this Live insure Website, parts of this Website, or to products and services offered via this Website. You will be bound by these additional terms, as applicable.

2) Privacy
Your privacy and security is very important to Live insure. Certain data items are collected and used by the Live insure Website in order to provide insurance quotations and other online services. The Live insure Website will record and track the use you make of this website. The use of this data is subject to our Privacy Statement. Please read our Privacy Statement in full.

3) Live insure Website content
The Live insure Website:
(a) contains information of a general nature about Live insure and Live insure’s services;
(b) contains information of a general nature about various insurers featured on the Live insure website;
(c) enables you to purchase and pay for some insurance products and services online;
(d) enables you to renew some insurance products and services online; and
(e) enables you to view, manage and change your Live insure insurance policies online.

4) Live insure’s standard terms and conditions apply
All applications for insurance or other products made via this Live insure Website are subject to and must comply with Live insure’s approval criteria, and are governed by the normal terms and conditions applying to each product or service requested. Click here to access Live insure policy documents. Click here to access Live insure’s Standard Terms and Conditions.

5) Live insure product information and insurance purchase and renewal
5.1 Transactions on the Live insure Website
(a) When entering into a transaction via the Live insure Website, 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 Live insure via the Live insure Website) containing the acceptance from you to Live insure’s offer, or the confirmation of payment from you, whichever is applicable, has been received and processed by Live insure, and any specific steps or requirements as set out in this clause 5, have been complied with.

(b) You acknowledge that the transmission of your acceptance or the confirmation of any payment, made through an Electronic Instruction may not be received by Live insure in accordance with this clause 5 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.

(c) You further acknowledge that, to the extent permitted by law, Live insure 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 Live insure Website, or any failure to receive an Electronic Instruction for whatever reason.

5.2 Purchasing insurance policies
(a) Where the Live insure Website enables you to purchase insurance products or services online:
(1) The parties may enter into an insurance policy using the Live insure Website by Live insure making an electronic offer via the Live insure Website and you electronically communicating your acceptance of that offer via the Live insure Website to Live insure;
(2) Live insure may act on and process all completed Electronic Instructions transmitted or issued through the Live insure Website without further consent from or reference to you; and
(3) Live insure 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.

6) Automatic Renewal Terms and Conditions
To make your life easier, Live insure can automatically renew your policy next year before it expires – plus, we’ll guarantee that your premium will not increase! Each year, your primary credit card will automatically be charged the same premium as last year for that renewal period.

By opting in for automatic renewal, you hereby authorize Live insure on an automatic basis annually to:renew your Live insure policy; charge the applicable amount to the credit card that you place on file. Automatic renewals will be processed up to 7 days before your policy expires. If you do not wish to proceed with automatic renewal for an upcoming renewal, you can opt out before the 7 days preceding your renewal by contacting us. Send an email to support@liveinsure.com.au or call us on 1300 974 226.

To be eligible for the automatic renewal you must have not had any claims or circumstances during the policy year and had no material changes to your business activities, staff numbers or revenue.

If you lose eligibility for the automatic renewal, Live insure will no longer automatically renew your policies. Live insure will notify you of your need to renew your policy at least thirty (30) days before they expire.

7) Monthly Payments
Read the Monthly Payment Terms here.

8) Price Promise
Live insure is committed to offering the best price possible for your Insurance. If you’ve just purchased your policy from us and get a cheaper quote for comparable coverage, let us know and we’ll make it right.

Contact one of our team with a screen shot or documents proving the quote and we’ll either beat the price on offer or refund you the paid amount.

Even if you haven’t bought yet, let us know. We will still try and beat that quote.