Terms and Conditions

Prosura Pty Ltd Terms and Conditions (“Agreement”)

This Agreement was last modified on June 29, 2020.

Please read these Terms and Conditions (“Agreement”, “Terms and Conditions”) carefully before using http://www.prosura.com (“the Site”) operated by Prosura Pty Ltd (“us”, “we”, or “our”). This Agreement sets forth the legally binding terms and conditions for your use of the Site at http://www.prosura.com.

By accessing or using the Site in any manner, including, but not limited to, visiting or browsing the Site or contributing content or other materials to the Site, you agree to be bound by these Terms and Conditions. Capitalised terms are defined in this Agreement.

Correspondence

By using this site you acknowledge that our principal means of communication is via email and therefore it is important that you to ensure that we have your current email address. All notices sent will be deemed to be delivered at the time of sending it. It is every customer’s responsibility to inform Prosura Pty Ltd if there is any change to this address.

Intellectual Property

The Site and its original content, features and functionality are owned by Prosura Pty Ltd and are protected by international copyright, trademark, patent, trade secret and other intellectual property or proprietary rights laws.

Termination

We may terminate your access to the Site, without cause or notice, which may result in the forfeiture and destruction of all information associated with you. All provisions of this Agreement that by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity, and limitations of liability.

Changes to Premiums

We reserve the right to change the premium charged for a policy at any time without notice. This does not affect customers who have already purchased a policy.

Refunds

If you decide that you do not want a policy, you may cancel it within 14 days after you are issued your Certificate of Insurance and PDS. You will be given a full refund of the premium you paid, provided you have not started your journey and you do not want to make a claim or to exercise any other right under the policy. After this period you can still cancel your policy but we will not refund any part of your premium if you do. No part refunds will be made including instances where an existing policy is modified to be a shorter duration resulting in a smaller total gross premium value.

Payments

Payment is by credit or debit card and is required at the time you purchase the policy. Prosura Pty Ltd may, at its sole discretion, cease to provide service or payment to certain users or to users paying with certain credit cards. Prosura Pty Ltd reserves the right without explanation to refuse purchase from any customer.

Disclaimer and Limitation of Liability

Prosura Pty Ltd will not have any liability for any loss or damage without limitation that are alleged to have resulted from the Prosura Pty Ltd website or its content, including but not limited to, delays or interruptions in service or communication, a customer’s or any other person’s misuse of the site and its content, and any errors or omissions in content.

Links To Other Sites

Our Site may contain links to third-party sites that are not owned or controlled by Prosura Pty Ltd.

Prosura Pty Ltd has no control over, and assumes no responsibility for, the content, privacy policies, or practices of any third party sites or services. We strongly advise you to read the terms and conditions and privacy policy of any third-party site that you visit.

Governing Law

This Agreement (and any further rules, polices, or guidelines incorporated by reference) shall be governed and construed in accordance with the laws of Australia, without giving effect to any principles of conflicts of law.

Changes To This Agreement

We reserve the right, at our sole discretion, to modify or replace these Terms and Conditions by posting the updated terms on the Site. Your continued use of the Site after any such changes constitutes your acceptance of the new Terms and Conditions.

Please review this Agreement periodically for changes. If you do not agree to any of this Agreement or any changes to this Agreement, do not use, access or continue to access the Site or discontinue any use of the Site immediately.

If you have any questions about this Agreement, please contact us.

Company

Product

For rentals in Australia, or for Australian residents travelling in foreign countries:

Prosura Rental Vehicle Excess Travel Insurance Products are issued by Pacific International Insurance Pty Ltd ABN 83 169 311 193 (‘Pacific’). Prosura Pty Ltd ABN 59 638 142 720, Australian Financial Services Licence Number 530275, (‘Prosura’), has been authorised by Pacific to enter into policies and deal with them, as the agent of Pacific. Prosura does not act as your agent. Any advice provided by Prosura is general and does not take into account your objectives, financial situation or needs. Before making a decision please consider the Product Disclosure Statement and Financial Services Guide and the Target Market Determination. If you purchase a policy, we receive a commission which is a percentage of your premium - ask us for more details.

For rentals in New Zealand by all residents (except for Australian residents):

We do not provide financial advice and do not make any recommendations or representations about the superiority or suitability of this product. You should consider obtaining independent advice before making any financial decisions. We will receive a commission if you choose to purchase a policy via this website.

Prosura Rental Vehicle Excess Insurance is underwritten by Pacific International Insurance Pty Ltd NZBN9429041356500, FSP394846 ('Pacific'). You should consider the Policy Wording before making any decisions about this insurance policy. Terms, conditions, limits, and exclusions apply. For information regarding Pacific's financial strength and solvency, please visit www.pacificins.co.nz/financial-strength-solvency. Pacific is regulated by the Reserve Bank of New Zealand (RBNZ).