St Andrew's Australia














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)

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.

Disclosure Documents
Annual Capital Adequacy Reporting

To protect the interests of policy owners, APRA issues Prudential Standards with which life and general insurance companies must comply.  These standards require a life or general insurer to mantain adequate capital against the risks associated with its activities.

The standards also require St Andrew's to publish certain financial information about its capital position, as contained in this report.

Information for Personal Use

The information contained on our website is for your personal use only. You must not use or distribute the information for any public or commercial purpose. You may download information from the website for limited personal use but you must not infringe our intellectual property rights by modifying, amending, reproducing, republishing, adapting or distributing the information in any way. All copyright and the trademarks on our website are owned by us.

Website Content and Liability

While we use reasonable commercial endeavours, we do not warrant, guarantee or represent that the information in our websites is or will be free from errors or omissions or is suitable for your intended use. Subject to any terms implied by law and which cannot be excluded, we accept no responsibility for any loss, damage, cost or expense (whether direct or indirect) incurred by you as a result of any error, omission, statement, representation or opinion that the website may contain.

We do not guarantee that any files downloaded by you will be free of viruses, worms or other destructive programmes and accept no responsibility for any loss occasioned by you as a result of such a programme or download process.  You are responsible for installing appropriate software and taking other measures in order to minimise any loss suffered as a result of a destructive programme.

Website Modifications

St Andrew's has taken reasonable care in creating this website and will endeavour to keep it current. Accordingly, we reserve the right to modify this website at any time and without prior notice.  You should always confirm that offers, rates, terms and conditions, information and all other notices on this website are still valid at later dates.

Security of your Personal Information

We use reasonable commercial endeavours to ensure our website is secure and that your personal information is not accessed by an unauthorised third party. However we accept no liability in the event a third party illegally obtains your information from our website.  Please also refer to our Privacy Policy.

Information You Provide to Us

You agree that we may use any information you provide to us in accordance with our Privacy Policy. Please bear in mind that the internet is not yet a secure system. Any information that you may provide on the internet is at your own risk.

You agree that any information you provide to us is not misleading or deceptive, defamatory or owned by another person.  You agree that the receipt, use or storage of your information will not expose us to any civil or criminal liability.

Links to Other Websites

This website may contain links to websites operated by third parties. Any such links are for your convenience only. St Andrew's does not endorse or approve of these other websites or the information and materials on those websites; and accepts no responsibility or liability in any way for such linked websites.


The material on this website is copyrighted by St Andrew's. Other than for the purposes and subject to the conditions prescribed under the Copyright Act 1968 (Cth), no part of this website may be reproduced, uploaded to a third party, linked to, framed, stored in a retrieval system or transmitted in any form or by any means (including but not limited to electronic, mechanical, micro copying, photocopying, recording, or otherwise) without prior written permission of St Andrew's.

Our Liability and Your Indemnity

Subject to any liability implied by law which cannot be excluded, St Andrew's is not liable to you or any person claiming through you for any losses, damages, liabilities, claims and expenses whatsoever arising directly or indirectly from this website, including from any of the information, materials or services provided on or through this website. Where liability cannot by law be excluded or reduced, St Andrew's liability is limited, to the extent possible, to the supply of the services again, or the payment of the cost of having the services supplied again, or, if such re-supply is not practicably, then our maximum liability to you in $100 per incident (with all related events deemed to be the one incident).

You agree to indemnify and keep indemnified St. Andrew's and its directors, officers, employees, agents and consultants against any loss, liability, damage arising (whether in contract, tort, under statute or otherwise)  and related costs and expenses (including legal costs on a solicitor own client basis) directly or indirectly, as a result of or in connection with your use of our website, or information or services contained on our website, and/or your breach of these terms and conditions or from any wrongful actions or omissions of you or any other person claiming through you.