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Terms of Use


About this Website

This website is operated by the Over Fifty Insurance Pty Ltd ABN 58 007 165 200. Your use of the information, graphics and materials on this website is governed by these Terms and Conditions of Use (and the Privacy Policy). Please read these terms and conditions of use carefully.


References to “you”, “your” and “yours” are references to the person(s) accessing the website.

References to “we”, “us”, “our” and “Over Fifty Insurance” are references Over Fifty Insurance Pty Ltd.

Acknowledgement and Acceptance of Terms

By using this Site you acknowledge that you have read and understood these Terms and agree to be bound by them.

The information and other material on this Site (including these Terms) may be varied or modified at any time without notice. Your continued access to or use of this Site following such changes constitutes acceptance of them (including any amended Terms).

Authorised Representative of Allianz, and authorised distributor of nib Travel Services (Australia) Pty Ltd (nib), NobleOak Life Limited, and AWP Australia Pty Ltd. 

Car, Caravan, Home & Contents, Landlord Insurance: Over Fifty Insurance Pty Ltd is an Authorised Representative of Allianz Australia Insurance limited (Allianz) AFSL No. 234708, ABN 15 000 122 850. Over Fifty Insurance has been issued Authorised Representative No. 295939. Allianz has authorised Over Fifty Insurance to arrange and provide general advice on certain insurance products issued by it. In acting under this authorisation we act as an agent of Allianz and not as your agent.

Travel Insurance: Over Fifty Insurance Pty Ltd, ABN 58 007 165 200 is a distributor of nib Travel Services (Australia) Pty Ltd (nib), ABN 81 115 932 173, AFSL 308461 and receives a commission for nib products purchased through Over Fifty Insurance. Over Fifty Insurance acts as an agent for nib and not as your agent. Over Fifty Insurance cannot give advice about nib products, and any factual information provided is not intended to imply a recommendation or opinion about nib products. This insurance is underwritten by Pacific International Insurance Pty Ltd, ABN 83 169 311 193.

Life Insurance: My Protection Plan is issued by NobleOak Life Limited ABN 85 087 648 708 AFSL No. 247 302. Address: 44 Market Street, Sydney NSW 2000. Phone: 1300 041 494. Email: sales@nobleoak.com.au. NobleOak, in accordance with the NobleOak Privacy Policy.

Roadside Assistance: Roadside Assistance is provided by AWP Australia Pty Ltd ABN 52 097 227 177 Trading as Allianz Global Assistance, under an arrangement with Over Fifty Insurance Pty Ltd.

Further detail on the services we offer you and how we are paid are set out in the Financial Services Guide (FSG). You should download and read a copy of the relevant FSG located in the disclaimer of each product page. By continuing to receive a quote or to purchase insurance you agree to receive the FSG by accessing it from this website.

You can also download a copy of the relevant FSG here:


If you are dissatisfied with our service in any way contact us and we and Allianz will attempt to resolve the matter in accordance with our Internal Dispute Resolution procedures.

How to make a complaint

We want to resolve any complaints you have as quickly as possible. If you are dissatisfied with our service in any way, contact us on 13 3130 and we will do our best to resolve it for you. Find out more information about our complaints process.

If you are not satisfied with the decision or a decision is not reached within 30 days, you may lodge a complaint with an external dispute resolution scheme which is independent and free to you (subject to its relevant terms and rules) as follows:

The Australian Financial Complaints Authority
Phone: 1800 931 678
Mail: Australian Financial Complaints Authority GPO Box 3 Melbourne VIC 3001.

Warning – General Advice

The information on this website is general information only and has been provided to help you decide if any of the insurance products are right for you, but it does not provide any advice based on any consideration of your investment objectives, financial situation or needs. Before acting on this information you should consider the appropriateness of the information for your particular objectives, financial situation and needs.

You should obtain a Product Disclosure Statement (“PDS”) in relation to any product you are interested in and consider that document before making any decision on whether to acquire or to continue to hold any product.

Unless expressly stated otherwise this information does not constitute an offer or inducement to enter a legally binding contract and does not form part of the terms and conditions for products and services arranged by us.

The products and services described in this Site are available to Australian residents only.

Accuracy and Reliability of Information

While we have taken reasonable care in producing the information on this website Over Fifty Insurance, its directors, officers or employees does not give any representation or warranty of any kind in relation to the accuracy, reliability or completeness of the information now or in the future. Over Fifty Insurance accepts no responsibility for any errors or omissions from the information on this website or for any action taken in reliance on it.

Limitation of Liability

Subject to any terms implied by law that cannot be excluded, Over Fifty Insurance and its directors, officers, employees and contractors exclude all liability to you for any loss, damage, cost or expense whatsoever arising from your use of or inability to access this website, or from reliance on information contained in or accessed from this website.

With the exception of the entry of personal information through the online quote forms, we do not warrant or guarantee that this website is secure. We do not warrant or guarantee that this website is free from viruses or that access will be uninterrupted.

Liability of any member of Over Fifty Insurance for any breach of a condition or warranty that cannot be excluded is limited, at our option to the supply of the product or service again, or the payment of the cost of having the products or services supplied again.

Links to Other Sites

Where we provide a link to another site it is for convenience only. Except where specifically indicated, we do not endorse or approve the content of such sites. We provide no warranty regarding the content of any third party site and will not be responsible for any loss, damage, cost or expense relating to your use of or access to a third party site via this website.


Copyright in the information and materials on this Site, the design, text, graphics, images, software and layout is owned or licensed by us. All rights are reserved.

You may imprint, copy, download or temporarily store extracts from our Site for your personal use or when you use our products and services. You may not use this Site to sell a product or to increase traffic to your website for commercial reasons.

Except as permitted by the Copyright Act 1968 or other applicable laws, you must not reproduce, adapt, upload, download, link to, frame, modify, distribute, sell, publish or transmit in any form or by any process any of the material on this website, except with our prior written consent.

Trade Marks

This website also contains a number of trademarks, logos and symbols which are either owned by us or used with the permission of their owners. You may not use these trade marks, logos or symbols or the names of any of our related companies without our prior written consent.


Our Privacy Policy is available on this website.

Governing Law

These Terms are governed by and are to be construed according to the laws applicable in the State of Victoria, Australia. You agree to the non-exclusive jurisdiction of those courts in respect of any proceedings in connection with these Terms or this website. If any provision of these Terms is found to be invalid or unenforceable by a court of law, such invalidity and enforceability will not affect the remainder of the Terms which will continue in full force and effect.


Over Fifty Insurance Pty Ltd ABN 58 007 165 200 AR 295939 arranges this insurance as agent for the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL No 234708. We do not provide any advice based on any consideration of your objectives, financial situation or needs. Any advice provided is general advice only. Policy terms, conditions, limits and exclusions apply. Before making a decision, please consider the relevant Product Disclosure Statement available from www.over50insurance.com.au. The relevant Target Market Determination is available by calling 13 31 30. If you purchase this insurance, we will receive a commission that is a percentage of the premium, a profit share and marketing costs. Ask us for more details before we provide you with services