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Important Information

Important Notice - Terms & Conditions

Access to and use of this website and information, graphics, materials and services contained in this website is subject to and conditional upon your consent and agreement to these Terms and Conditions (“T&Cs”).

By accessing and using our website, you agree to accept and be bound by this Important Notice - Terms and Conditions. This Important Notice is subject to our Privacy Policy.

In this website the reference to “St Andrew’s”, “we”, “us” or “our” means St Andrew’s Australia Services Pty Ltd ABN 75 097 464 616 and/or its wholly owned subsidiaries, where applicable.

Our Products

Consumer credit insurance products and information described in this website are issued, underwritten and provided by St Andrew’s Life Insurance Pty Ltd ABN 98 105 176 243, AFSL 281731 and St Andrew’s Insurance (Australia) Pty Ltd ABN 89 075 044 656, AFSL 239649.

Life insurance products and information described in this website are issued, underwritten and provided by St Andrew’s Life Insurance Pty Ltd ABN 98 105 176 243, AFSL 281731.

Autosure Protection and information described in this website is issued, underwritten and provided by St Andrew’s Insurance (Australia) Pty Ltd ABN 89 075 044 656, AFSL 239649.

Information concerning each product is contained in the relevant Product Disclosure Statement (“PDS”) and Financial Services Guide (“FSG”). PDSs and FSGs may be obtained by Contacting Us.

General Advice only

All material and information in this website is of a general nature only and is not, and is not intended to be, personal financial product advice or recommendations. None of the material and information prepared has taken into account the particular personal/investment objectives, financial situation and needs of any particular person/investor.

Accordingly, you should assess whether the material and information is appropriate in light of your individual circumstances before acting on the material and information. You should also read and consider the PDS and FSG before acquiring any financial products described in this website.

Related Entity Disclosure

The following listed product issuers are subsidiaries of St Andrew’s Australia Services Pty Ltd and the latter distributes St Andrew’s products. All St Andrew’s entities are wholly owned subsidiaries of the Bank of Queensland Limited (ABN 32 009 656 740):

  • St Andrew’s Life Insurance Pty Ltd (ABN 98 105 176 243, an issuer of life insurance products.)
  • St Andrew’s Insurance (Australia) Pty Ltd (ABN 89 075 044 656, an issuer of general insurance products.)
  • St Andrew’s Life Insurance Pty Ltd (ABN 98 105 176 243, an issuer of life insurance products.)
  • St Andrew’s Insurance (Australia) Pty Ltd (ABN 89 075 044 656, an issuer of general insurance products.)

Neither Bank of Queensland Limited nor any of its related companies or agents guarantee the performance of any of the St Andrew’s entities nor the benefits payable under any insurance product issued by any St Andrew’s entity. Benefits are payable solely by the relevant insurer. Bank of Queensland will receive a commission for insurance arranged, details of which are set out in the relevant FSG. You may take out the types of insurance products summarised in this website with any insurer of your choice. All cover is subject to acceptance by the insurer.

Neither Bank of Queensland Limited nor any of its related companies or agents guarantee the performance of any of the St Andrew’s entities nor the benefits payable under any insurance product issued by any St Andrew’s entity. Benefits are payable solely by the relevant insurer. Bank of Queensland will receive a commission for insurance arranged, details of which are set out in the relevant FSG. You may take out the types of insurance products summarised in this website with any insurer of your choice. All cover is subject to acceptance by the insurer.