Welcome to Best Deal Insurance
At all times we aim to offer our customers outstanding service and value
Please take time to read these Terms and Conditions regarding our services and if you have any questions relating to them please telephone us on 1300 061 733
Bestdealinsurance.com.au Pty Ltd is an Authorised Representative of Consultum Financial Advisers Pty Ltd ABN 65 006 373 995 | AFSL 230323
These Terms and Conditions relate to Bestdealinsurance.com.au Pty Ltd, collectively referred to as "we , "our" and "Best Deal Insurance" from heron.
Best Deal Insurance provide a free price and product comparison service using research on Australia's leading Life insurance companies from the quote information you request online or over the telephone.
The comparison system shows us a list of Life insurance companies that have the product you are interested in, a quote of the price they will charge and where available, how well the product rates on the research system and at the time of your request or for multiple products, the product package inclusions.
We will be available by telephone to answer any questions you have on the Life insurance company, product or price. This is a free service at no cost or obligation to you.
We may choose to offer you this service over the telephone or via email or post. However you acknowledge and accept that legal and important information and documents can be transacted online or via your given email address.
In the event that only one or a small number of insurance companies we can access offer the product you are interested in we will only provide you with quotes and services relating to these companies. Please note that we do not compare prices from all companies in the market and you can view a list of companies that we do under our page "companies we deal with".
New customers will also recieve our e-Newsletter. Please note that this is a free service which you may unsubscibe to at any time.
As we don't know your personal circumstances we can only provide you with Life insurance product comparisons based on the information you provide us e.g. your age, sex, smoker status, occupation and the type and amount of cover you require. We will not offer you advice on the suitability and merits of any insurance product to your personal circumstances, needs or objectives. Because we don't know your financial needs, we can't advise if this insurance will suit you. You should consider your needs and read the Product Disclosure Statements before making a decision to buy the insurance.
Best Deal Insurance will also provide fullProduct Disclosure Statements. Before buying any insurance product we recommend that you read the product disclosure statements fully. We will be available to answer any price or product related questions you have.
Best Deal Insurance will not charge you any fees for our services when you buy your insurance through us, however if you are seeking more detailed advice on the types and amounts of cover that are appropriate for your personal circumstances we recommend that you seek advice from a Financial Planner who can provide a full advice service.
We also cannot advise you on the merits of switching products other than to provide you with a comparison of premiums. Before switching any insurance product we recommend that you obtain advice before making a final decision.
If you decide to buy a Life insurance product, we will complete the application with you over the phone and look after your application through to completion.
Please note that most insurance products are subject tounderwritingby the relevant insurance company based on your health, occupation and lifestyle details. Quotes cannot be guaranteed because occasionally the insurance company may decide to offer you alternative terms if they believe there is a greater risk to them because of your personal health, occupation or lifestyle.
If you are offered alternative terms by an insurance company, Best Deal Insurance guarantee to check with other Life insurance companies to see if they would offer better terms. Regardless of whether we can or cannot find another Life insurance company who may offer better terms we will advise you of, and discuss, any alternative terms with you before you make any final decisions to proceed with an insurance product.
So how does Best Deal Insurance make money?
Best Deal Insurance guarantee to never charge you a fee and you will have a 30 day money back guarantee on any product you buy through us.
If you buy a product through Best Deal Insurance, we will be paid a commission from the insurance company you have chosen and once your plan has started. This commission is paid to us by the insurance company, based on the premium you pay them and you won't be charged extra.
Before deciding to buy any product through Best Deal Insurance we are required to provide you with:
1. A copy of our Financial Services Guide, detailing our services;
2. The Product Disclosure Statements of the product or products you wish to purchase;
3. A copy of our General Advice Warning & to confirm that you understand Your Duty of Disclosure
We recommend that you read these documents carefully and we are available to answer any questions you have.
The information contained in this website and our services are of a general nature only and do not take into account your particular objectives, financial situation or needs. Accordingly the information should not be used, relied upon or treated as a substitute for specific financial advice. Whilst all care has been taken in the preparation of this material, no warranty is given in respect of the information provided. Bestdealinsurance.com.au Pty Ltd, nor its directors, employees or agents shall be liable on any ground whatsoever with respect to decisions or actions taken as a result of you acting upon such information.
Best Deal Insurance provide quotes and product information only and do not give any recommendation or opinion about the products. As we have not considered your individual objectives, needs or financial situation, we recommend that you carefully read the Product Disclosure Statement(s) to ensure that the product(s) meets your requirements before deciding to purchase any product.
Whilst we have made every effort to ensure that such information and tools are correct and complete, we do rely on third party providers and there can be mistakes made, so we do not guarantee the correctness or completeness or appropriateness to you of any of the information provided or linked on this website or the tools (or any calculation) or tables on this website or sent to you externally or provided by phone. We recommend that you seek independent advice before acting upon any information and services provided by or linked to this web site. Please ensure you check any information or the results of using any tool if you intend to rely on them. We would appreciate your telling us if you find any error or omission, so we can fix it.
Please also remember when you are using this website that your equipment, our systems and the internet are sometimes subject to performance constraints, which can affect the speed of the website and the use of it you may wish to make. You may experience errors and service interruptions when using this website or accessing any links available on it. In addition, the website may not be available at all times. Further, we do not guarantee that this website or any third party website linked to this website will be free from viruses.
Limitation of Liability
To the fullest extent permitted by law, we:
(b) will not be liable for any loss or damage of any kind suffered by you, regardless of the nature of such loss or damage, and regardless of the nature of the claim, whether in contract, tort or any other legal theory, and whether or not we know of the possibility of such loss or damage.
We will only accept liability where we have expressly agreed to do so in a contract between us, or such liability is prescribed by statute. In such cases where the law imposes upon us a liability which cannot be excluded, to the fullest extent permitted by law, our liability will be limited at our option to (i) the supply of services again, or (ii) the payment of the cost of having the services supplied again.
Bestdealinsurance Security Statement & Security Features
We are committed to implementing a number of security controls to ensure the integrity and security of data. These include the implementation of:
1. A level of encryption will be used on all data that is sent between your computer and any of pages on our website.
2. Regular security reviews of our systems architecture.
Below are some simple actions you can take to protect your information and increase your own security when transacting on line. This list should not be regarded as exhaustive and is provided for information purposes only.
- Make sure you sign in via the authorised Best Deal Insurance site address http://www.bestdealinsurance.com.au and always sign in directly from your browser.
- Check that the secure session has been authenticated with a valid security certificate.
- Never accept links or redirections from other websites or emails not authorised by Best Deal Insurance for the purpose of signing into this website.
- Be wary of using public or Internet Cafe computers to access or perform financial transactions.
- Always check for a locked padlock symbol at the bottom right corner of your browser, as this indicates it is secure to use.
- Ensure you do not record or save your personal information and/or Password on your computer.
- Disable or switch off the option on your browser for retaining user names and passwords.
- Ensure that you are not observed when entering your personal information http://www.bestdealinsurance.com.au/.
- For your security, your password should:
- not contain your name, date of birth, telephone number or address
- not be disclosed to anyone else, not even family members or friends
- not be stored in your computer's programmable function keys
- be changed regularly and be easy to memorise but difficult to guess
- keep your password secret and change it regularly.
10. Always use the latest antivirus, anti-spyware and firewall software to maintain security.
11. If there are any transactions you are unfamiliar with or that look suspicious, please contact us.