Terms of Use

These terms and conditions are important and you should read them in full.


Access to and use of the Website and Qikio products and services are subject to these Terms and Conditions. You agree to be bound by these Terms and Conditions by using the Website, or otherwise indicating your agreement to be bound (e.g. by telling us or our underwriter(s) over the phone, or ticking “I agree” when purchasing a policy). We may provide links and direct you to third party websites (e.g. underwriters). We do not monitor or assume responsibility for the condition or content of any third party website and these are subject to their own Terms & Conditions.

To provide each Qikio product (and only for that purpose), Qikio Insurance is issued and underwritten by numerous underwriters. Australian Insurance Company Pty Ltd (AIC) is authorised by these underwriters to arrange for the issue of this insurance on their behalf. AIC has appointed Qikio Pty Ltd (Qikio) as its Authorised Representative. Qikio undertakes various activities including advertising, the operation and maintenance of this website and quotelines, communication throughout the lifecycle of your policy and some sales and service functions. The terms and conditions that apply to your insurance product are set out in each respective Product Disclosure Statement (PDS) . Qikio may receive a commission and other benefits in connection with each of these policies.

In these Terms and Conditions

‘Underwriter’ refers to:

  • Chubb Insurance Australia Limited ABN 23 001 642 020 AFSL No.239686
  • Aioi Nissay Dowa Insurance Company Australia Pty Ltd ABN 11 132 524 282 trading as Adica
  • Mercurien Insurance Pty Ltd ABN 68 150 845 177
  • Wise and Silent Pty Ltd ABN 27 654 979 781

‘Website’ refers to qikio.com.au and associated sites.

‘Qikio’, ‘our’, ‘us’ and ‘we’ refers to Qikio Pty Ltd ABN 84 648 643 369 (Qikio), authorised representative of Australian Insurance Company Pty Ltd (AIC) ACN 002 941 513, AFSL No. 238384, under AR No.1296984.

‘you’, ‘your’ and ‘Qikio Customer’ refer to users of the Website and persons who hold insurance policies issued under the Qikio brand.


At Qikio, we will communicate with you about your policy, as well as offers and benefits that we may make available to you. These offers and benefits may relate to insurance and/or other products and services. We only want to send you messages that you would like to receive, and we understand you may want to opt out of receiving certain types of messages that we send you.

Unless you have unsubscribed, you agree to Qikio and our underwriter(s) sending you messages via various channels (including by email, SMS, mail).

You will receive different types of messages as a Qikio Customer. You agree that the method by which you can unsubscribe from each of these types of messages is by:

  • clicking the unsubscribe link contained in those messages;
  • sending “STOP” to the number from which you receive any promotional SMSs messages from us; or,
  • by calling or emailing our Customer Service team on help@qikio.com or 1300 459 346 and letting us know you’d no longer wish to receive marketing and promotional messages.

If you are a Qikio Customer, Qikio and our underwriter(s) need to be able to send you messages relating to your policy, changes to your account, missed payment reminders, renewal notifications, claims information, important information relating to products and services you have purchased, forgotten passwords, and updates to our T&Cs and Privacy Policy.

If you hold more than one Qikio policy, unsubscribing from marketing and promotional messages from Qikio will automatically unsubscribe you from marketing and promotional messages from Qikio in relation to other Qikio policies that are connected to the same email address or mobile number.

To opt back in to receiving marketing and promotional messages from Qikio, you can contact our Customer Service team by:

If you have any questions about how to unsubscribe or how to manage your communication preferences, please call the Qikio Customer Service team on 1300 459 346.

If you cancel your Qikio product the Communication Sections of the Terms and Conditions will continue to apply for 5 business days after the effective date of the cancellation of your policy. However, the relevant underwriter(s) may continue to communicate to you in relation to your policy.

Offers and fair use

We may from time to time make offers and promotions available to new or existing Qikio Customers or policies.

Offers and promotions are subject to the terms and conditions specific to that offer or promotion, in addition to these Terms and Conditions. You agree that you will not use any offer or promotion in an excessive, unreasonable or fraudulent manner.

If we determine, acting reasonably, that you have used an offer or promotion in an excessive, unreasonable or fraudulent manner, we may cancel, revoke or limit your right to enjoy the offer or promotion immediately and without prior notice to you.

If you believe that we have unreasonably cancelled, revoked or limited your right to enjoy an offer or promotion, you can contact our Customer Service team by:

Website Terms

The information in the Website is a summary only. Source material should be consulted in all cases affecting legal rights or responsibilities. Changes in circumstances may occur at any time and may impact on the accuracy or completeness of the information. However, to the extent permitted by law, we do not warrant the accuracy, adequacy or completeness of the information and excludes liability for any decision taken on the basis of information shown in or omitted from this Website.

The material on the Website is published by us and is intended for use in Australia. The Website is not intended for use outside Australia. We make no claim that the information contained on this Website is appropriate or may be downloaded legally outside Australia. If you access the Website from outside Australia, you do so at your own risk and you are responsible for compliance with the laws in your respective jurisdiction.

The Website is not intended for persons under the age of 18. If you are under 18, you should speak to your parents, your guardian, or a responsible adult and obtain their permission to use the Website.

The information, materials and services contained on the Website are provided to you ‘as is’, and ‘as available’. To the maximum extent permitted by law, unless otherwise specified, we disclaim all representations and warranties of any kind, whether express, implied or statutory. In addition, we do not warrant, guarantee or make any representations regarding the security of accounts, or that the Website is free from destructive materials, including but not limited to computer viruses, hackers, or other technical sabotage.

We also do not warrant, guarantee or make any representations that access to the Website will be fully accessible at all times, uninterrupted, or error-free. Use of the Website is limited to obtaining insurance quotes, obtaining other information relating to the price of insurance cover and conducting insurance related transactions or queries, in respect of insurance cover for you or a member of your immediate family, with their prior consent. You agree not to otherwise use the Website to obtain insurance quotes, or to obtain other information relating to the price of insurance cover from us or conduct insurance-related transactions or queries. You also agree to indemnify us in respect of any liability incurred by us for any loss, cost damage or expense, however caused, suffered by us as a result of your breach of this obligation.

In using the Website you agree that you will not, either directly, or indirectly through another party, use any robot, spider, screen scraper, data aggregation tool or other device or process to process, monitor, copy or extract any web pages on the Website, or any of the information, content or data contained within or accessible through the Website, without our prior written permission. Further you agree not to use any process to aggregate or combine information, content or data contained within or accessible through the Website with information, content or data accessible via or sourced from any third party. In addition you agree not to use any information on or accessed through the Website for any commercial purpose or otherwise (either directly or indirectly) for profit or gain. You also agree not to reverse engineer, reverse assemble, decompile, or otherwise attempt to discover source code or other arithmetic formula or processes in respect of the software underlying the infrastructure and processes associated with the Website, or copy, reproduce, alter, modify, create derivative works, or publicly display, any part of any content from the Website without our prior written permission.

To the maximum extent permitted by law, we disclaim liability for any damages, including, without limitation, direct or indirect, special, incidental, compensatory, exemplary or consequential damages, losses or expenses, including without limitation lost or misdirected orders, lost profits, lost goodwill, or lost or stolen programs or other data, however caused and under any theory of liability arising out of or in connection with (1) use of the Website, or the inability to use the Website by any party; or 2) any failure of performance, error, omission, interruption, defect, delay in operation or transmission; or (3) line or system failure or the introduction of a computer virus, or other technical sabotage, even if we or our employees or representatives are advised of the possibility or likelihood of such damages, losses or expenses.

All names and marks depicted at the Website are owned by one or more of us and no permission is given to you to make any use (including any reproduction) of them.

The Website may contain a number of links to other sites which are operated by third parties or our underwriter(s). The provision of the link does not mean that we endorse or accept any responsibility for the content, use, or products and services made available through the associated web sites. By utilising these links, you acknowledge and agree that we are not responsible for the actions, content, accuracy, privacy policies, opinions expressed, services provided, goods sold, or other links provided by these sites. You further acknowledge and agree that we are not responsible either directly or indirectly for any damage or loss caused by use of or reliance on linked sites. Should you have any questions regarding these sites, you should address them directly to our contact shown on the Website.

We may provide links to underwriter(s) and third party websites. We do not monitor or assume responsibility for the condition or content of any third party website. We make no representations or warranties regarding any third party website and accept no responsibility for the quality, content, nature, accuracy or reliability of websites accessible by hyperlink from a Site or otherwise linked to a Site.

Governing Law and Disputes

These Terms and Conditions are governed by the law in force in the state of Victoria, Australia.

Any dispute arising in connection with these Terms and Conditions or in connection with your use of the Website which cannot be resolved by good faith negotiations between you and us or our underwriter(s), shall be referred to mediation or to arbitration. However, we reserve, at our absolute discretion, our right to instigate legal proceedings prior to negotiation, arbitration or mediation against any individual, organisation or entity, who in our opinion has acted in breach of these Terms and Conditions.

For information relating to complaints and disputes relating to insurance products, please refer to Complaints or the relevant PDS. For information relating to complaints and disputes relating to financial services we provide, please refer to the relevant financial services guide.

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