Promotion - Terms and Conditions

General

1. The Flip Friends & Family Referral Offer (the "Offer") will run from November 14 2023 until November 25 2025 (“Active Offer Period”).
2. This Offer is made by Flip Insurance Pty Ltd, ABN 71 648 680 960 (“we” or “us”), in connection with insurance issued by HCF Life Insurance Company Pty Ltd, ABN 37 001 831 250, and is independent of any other offer.
3. By participating, you agree to the terms and conditions outlined herein. We reserve the right to modify, extend, or withdraw this Offer at our sole discretion at any time.

How does this Offer work?

1. This Offer is available to current, registered Flip customers and their eligible friends, acquaintances, and family members (referred to as "Friend" or "Family Member"). A Friend or Family Member will be eligible for the Offer if they have not previously registered with Flip and meet the conditions to purchase the relevant Flip product.
2. During the Active Offer Period, each current, registered Flip customer will receive a unique referral code after making their first order.
3. You can participate in the Offer:
   1. If you are a current, registered Flip customer – by sharing your referral code with a Friend or Family Member: For each new Friend or Family Member who uses your referral code to register a Flip account and proceeds to purchase Flip accidental injury insurance, you will receive a 25% discount on your next purchase of a day or week of cover, or the first month of a monthly subscription (though not for any additional cover or recurring subscription payments).
   2. If you are a Friend or Family Member – by using the referral code you received from an existing, registered Flip customer to purchase cover: If you use a referral code when purchasing a Flip product and are a first-time transacting customer who has not previously registered with Flip, you will receive a 25% discount on that purchase of a day or week of cover, or the first month of a monthly subscription (though not for any additional cover or recurring subscription payments).

What else should I know?

1. This Offer is applicable only to the purchase of Flip cover from any of the ‘direct to consumer’ (D2C) products - Flip Active, Flip Kids and Flip Roaming. The offer excludes the Group Active ‘Business to Business’ (B2B) product, Flip Group Active.
2. This Offer cannot be sold, exchanged, transferred, redeemed, replaced or refunded for cash or any other type of credit, and cannot be applied to any previously purchased cover.
3. We may, at our sole discretion, reverse this Offer if we reasonably suspect that:
   1. you have not participated in this Offer in good faith; or
   2. you have acted in a fraudulent, deceptive or misleading manner.

Winners: Andrew, Amanda and Ashleigh

HOW TO ENTER

To enter the Spartan Ivory Rock Giveaway (“Promotion”), you must enter your first name and email address at the link provided to you in the Invitation Email you received from Flip during the Promotion Period (see below).

1.   It is a condition of participating in the Promotion that you agree to all terms of the Promotion, including the Terms and Conditions, which are available at www.flipinsurance.com.au/promo-terms

2.   During the Promotion Period, each valid Promotion form received through the link in the Invitation Email will be marked as a single entry in the Promotion(“Entry”). Only one Entry per person will be accepted.

3.   All Entries become the property of Flip and will not be acknowledged or returned.

TERMS & CONDITIONS

1. This Promotion is conducted by Flip Insurance Pty Ltd, ABN 71 648 680 960     (“Flip”). Get in contact at help@getflip.com.au. The Promotion will run in each State and Territory in Australia, from 0900 AEST on 14 April 2025 until 1200on 5 May 2025 (“Promotion Period”).
2. Information on ‘How to enter’ also forms part of the terms and conditions of entry. Entry into the Promotion is considered as acceptance of these Terms and Conditions.
3. Entry is open to individuals who meet the following eligibility requirements:
   1. Have received an email from Flip inviting them to participate in the Promotion (“Invitation Email”);
   2. Have submitted their first name and email address via the Promotion form available through the link provided in the Invitation Email during the      Promotion Period;
   3. Not be a management committee member of Flip or a person involved in the conduct or marketing of the Promotion;
   4. Be at least 18 years old; and
   5. Reside in Australia.
 
4. This Promotion is a game of chance and winners who meet the above criteria will be randomly selected by Flip on 5 May 2025 at 1300 AEST.
5. Decisions by Flip, including with respect to any dispute, will be final.
6. There will be 3 winners for this Promotion who will each receive one prize     valued at up to $618, as follows:
   1. Two Spartan Ivory Rock Trifecta Weekend tickets, each valid for any single race of Sprint, Super, Beast, Ultra, Kids or Hurricane Heat on 24-25 May 2025.
 
7. The winners will be notified via email within 2 hours of the draw. The winners     will be published on Flip’s website at www.flipinsurance.com.au/promo-terms. The winners will be determined by Flip at its sole discretion (acting reasonably and in accordance with these Terms and Conditions) and no discussion or     correspondence will be entered into in this regard.  

The prize should be claimed as soon as possible upon receiving the email notifying of the win, but no later than 23 May 2025 when it expires. Any unclaimed or unused tickets after this time will be forfeited.

Privacy: Flip collects your personal information that you provide in this form for the purpose of conducting the promotion and providing you with information about Flip products, services and other promotions. 

If you don’t provide your contact details, you won’t be able to enter the Promotion and Flip won’t be able to contact you about its products, services and other promotions.  

How Flip collects, uses, discloses (including overseas) and keeps and secures personal information, how to request access to and correction of your personal information, how to complain about a privacy breach and how this is handled, and how to opt-out of direct marketing, is explained in the Flip Privacy Policy.

HOW TO ENTER

To qualify for the one week of free Flip Active or Flip Kids cover Offer (“Promotion”), you must register your interest using the link provided in the promotion email by 23:59 AEST 1 May 2025 ("Promotion Period").

It is a condition of participating in the Promotion that you agree to all terms of the Promotion, including these Terms and Conditions, which are available at www.flipinsurance.com.au/promo-terms

TERMS & CONDITIONS

1. This Promotion is conducted by Flip Insurance Pty Ltd, ABN 71 648 680 960 (“Flip”). Get in contact at help@getflip.com.au. The Promotion will run in each State and Territory in Australia, until 23:59 AEST on 1 May 2025 (“Promotion Period”).
2. Information on ‘How to enter’ also forms part of the terms and conditions of entry. Entry into the Promotion is considered as acceptance of these Terms and Conditions.
3. Entry is open to individuals who meet the following eligibility requirements:
   a. Have received an email from Flip inviting them to participate in the Promotion (“Invitation Email”);
   b. Have complied with the ‘How to Enter’ requirements (above);
   c. Not be a management committee member of Flip or a person involved in the conduct or marketing of the Promotion;
   d. Be at least 18 years old; and
   e. Reside in Australia.

4. Decisions by Flip, including with respect to any dispute, will be final.
5. Participants who register their interest by 23:59 AEST on 1 May 2025 will receive:
   a. One week of free Flip Active or Flip Kids Insurance cover, which may be redeemed at any time before 31/07/2025 (not applicable to monthly subscriptions); and 
   b. The possibility of being chosen to participate in an interview, for which there will be a payment of $35 from Askable via Paypal or a gift card once completed.
6. The participants will receive their offer code for free Flip Active or Flip Kids cover via the form link provided in the email sent by Flip.

Privacy: Flip collects your personal information that you provide in this form for the purpose of conducting the promotion and providing you with information about Flip products, services and other promotions. 

If you don’t provide your contact details, you won’t be able to enter the Promotion and Flip won’t be able to contact you about its products, services and other promotions.  

How Flip collects, uses, discloses (including overseas) and keeps and secures personal information, how to request access to and correction of your personal information, how to complain about a privacy breach and how this is handled, and how to opt-out of direct marketing, is explained in the Flip Privacy Policy.

Winners: John W, F Rinaldo, Kura

HOW TO ENTER

1. To enter the Active Locals App Competition (“Promotion”) you must:
   a. Download the Active Locals mobile app (if you don't already have it); and
   b. Sign up to the Active Locals mobile app using your registered Flip email address during the Promotion Period (see below); and
   c. Reside in Australia.
2. It is a condition of participating in the Promotion that you agree to all terms of the Promotion, including these Terms and Conditions, which are available at www.flipinsurance.com.au/promo-terms

TERMS & CONDITIONS

1. This Promotion is conducted by Flip Insurance Pty Ltd, ABN 71 648 680 960 (“Flip”). Get in contact at help@getflip.com.au. The Promotion will run in each State and Territory in Australia, from 9:00 AET on 19 May 2025 until 30 May 2025 at 23:59 AET (“Promotion Period”).
2. Information on ‘How to enter’ also forms part of the terms and conditions of entry. Entry into the Promotion is considered as acceptance of these Terms and Conditions.
3. Entry is open to individuals who meet the following eligibility requirements:
   a. Have not signed up to the Active Locals mobile app before the start of the Promotion period;
   b. Have received an email from Flip inviting them to participate in the Promotion;
   c. Have complied with all of the ‘How to Enter’ requirements in clause 1 above;
   d. Not be a management committee member of Active Locals, Flip or a person involved in the conduct or marketing of the promotion; and
   e. Be at least 18 years old.
4. This Promotion is a game of chance and winners who meet the above criteria will be randomly selected by Flip on 2 Jun 2025 at 10:00 AET.
5. Decisions by Flip, including with respect to any dispute, will be final.
6. There will be 3 winners for this Promotion who will each receive one prize valued at $50, as follows:
   a. One $50 e-gift card.
7. The winners will be notified via email within 96 hours of the draw. The winners will be published on the Flip website at www.flipinsurance.com.au/promo-terms. The winners will be determined by Flip at its sole discretion (acting reasonably and in accordance with these Terms and Conditions) and no discussion or correspondence will be entered into in this regard.

The prize should be claimed as soon as possible upon receiving the email notifying of the win, but no later than 30 September 2025. Any unclaimed or unused gift cards after this time will be forfeited.

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Privacy:  Flip collects your personal information that you provide in this form for the purpose of conducting the promotion and providing you with information about Flip products, services and other promotions. 

If you don’t provide your contact details, you won’t be able to enter the Promotion and Flip won’t be able to contact you about its products, services and other promotions.  

How Flip collects, uses, discloses (including overseas) and keeps and secures personal information, how to request access to and correction of your personal information, how to complain about a privacy breach and how this is handled, and how to opt-out of direct marketing, is explained in the Flip Privacy Policy.

Winners: Toby, Jodie, Anthony, Elise, Lae, Jenny, Michael, Cherie, Rami, Melissa

HOW TO ENTER

To enter the Thredbo Winter Lift Pass Giveaway (“Promotion”), you must enter your first name and email address at the link provided to you in the Invitation Email you received from Flip and purchase any Flip Insurance cover during the Promotion Period (see below).

1. It is a condition of participating in the Promotion that you agree to all terms of the Promotion, including the Terms and Conditions, which are available at www.flipinsurance.com.au/promo-terms 
2. During the Promotion Period each valid Promotion form submitted through the link in the Invitation Email will be marked as a single entry in the Promotion (“Entry”). Only one Entry per person will be accepted. 
3. Purchase any Flip Insurance cover during the Promotion Period.
4. All Entries become the property of Flip and will not be acknowledged or returned.

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TERMS & CONDITIONS

1. This Promotion is conducted by Flip Insurance Pty Ltd, ABN 71 648 680 960 (“Flip”). Get in contact at help@getflip.com.au. The Promotion will run in each State and Territory in Australia, from 0900 AEST on 5 June 2025 until 0900 AEST on 16 June 2025 (“Promotion Period”).
2. Information on ‘How to enter’ also forms part of the terms and conditions of entry. Entry into the Promotion is considered as acceptance of these Terms and Conditions.
3. Entry is open to individuals who meet the following eligibility requirements:
   a. Have received an email from Flip inviting them to participate in the Promotion (“Invitation Email”);
   b. Have submitted their first name and email address via the Promotion form available through the link provided in the Invitation Email during the Promotion Period;
   c. Have purchased a Flip cover during the Promotion Period;
   d. Not be a management committee member of Flip or a person involved in the conduct or marketing of the Promotion;
   e. Reside in Australia; and
   f. Be at least 18 years old.
4. This Promotion is a game of chance and winners who meet the above criteria will be randomly selected by Flip on 16 June 2025 at 1200 AEST.
5. Decisions by Flip, including with respect to any dispute, will be final.
6. There will be 10 winners for this Promotion who will each receive one prize valued at up to $450, as follows:
   a. Two single-day Thredbo winter lift passes. Passes are eligible for the winter season that runs from 7 June 2025 to 6 October 2025. The single-day lift pass also includes 1 x Alpine Coaster ride per ticket.
7. The winners will be notified via email within 48 hours of the draw. The winners will be published on Flip’s website at www.flipinsurance.com.au/promo-terms. The winners will be determined by Flip at its sole discretion (acting reasonably and in accordance with these Terms and Conditions) and no discussion or correspondence will be entered into in this regard.

The prize should be claimed as soon as possible upon receiving the email notifying of the win, but no later than 6 October 2025 when it expires. Any unclaimed or unused tickets after this time will be forfeited.

Privacy:  Flip collects your personal information that you provide in this form for the purpose of conducting the promotion and providing you with information about Flip products, services and other promotions. 

If you don’t provide your contact details, you won’t be able to enter the Promotion and Flip won’t be able to contact you about its products, services and other promotions.  

How Flip collects, uses, discloses (including overseas) and keeps and secures personal information, how to request access to and correction of your personal information, how to complain about a privacy breach and how this is handled, and how to opt-out of direct marketing, is explained in the Flip Privacy Policy.

Flip Insurance is issued by HCF Life. Read the PDS and TMD at flipinsurance.com.au and consider whether this product is appropriate for you.

Winner: Chris

HOW TO ENTER

To enter the Milo Giveaway (“Promotion”), you must enter your first name and email address at the link provided to you in the Invitation Email you received fromFlip and purchase any Flip Insurance cover during the Promotion Period (see below).

1.    It is a condition of participating in thePromotion that you agree to all terms of the Promotion, including the Terms andConditions, which are available at www.flipinsurance.com.au/promo-terms

2.    During the Promotion Period each validPromotion form submitted through the link in the Invitation Email will be marked as a single entry in the Promotion (“Entry”). Only one Entry per person will be accepted.

3.    All Entries become the property of Flip and will not be acknowledged or returned.

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TERMS & CONDITIONS

1. This Promotion is conducted by Flip Insurance Pty Ltd, ABN 71 648 680 960 (“Flip”). Get in contact at help@getflip.com.au. The Promotion will run in each State and Territory in Australia, from 0900 AEST on 25 June 2025 until 0900 AEST on 1 July 2025 (“Promotion Period”).
2. Information on ‘How to enter’ also forms part of the terms and conditions of entry. Entry into the Promotion is considered as acceptance of these Terms and Conditions.
3. Entry is open to individuals who meet the following eligibility requirements:
   a. Have received an email from Flip inviting them to participate in the Promotion (“Invitation Email”);
   b. Have submitted their first name and email address via the Promotion form available through the link provided in the Invitation Email during the Promotion Period;
   c. Not be a management committee member of Flip or a person involved in the conduct or marketing of the Promotion;
   d. Reside in Australia; and
   e. Be at least 18 years old.
4. This Promotion is a game of chance and winners who meet the above criteria will be randomly selected by Flip on 1 July 2025 at 1200 AEST.
5. Decisions by Flip, including with respect to any dispute, will be final.
6. There will be one winner for this Promotion who will receive one prize valued at up to $758.10 as follows:
   
   1. Two Milo Action Communicator devices.
7. The winner will be notified via email within 48 hours of the draw. The winner will be published on Flip's website at www.flipinsurance.com.au/prmoo-terms. The winner will be determined by Flip at its sole discretion (acting reasonably and in accordance with these Terms and Conditions) and no discussion or correspondence will be entered into in this regard.

Flip will request the winner’s shipping address in the notification email for the purpose of delivering the prize. The winner should respond and provide the requested shipping address as soon as possible upon receiving the email notifying of the win, but no later than 30 September 2025. Any unclaimed or unused tickets after this time will be forfeited.

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Privacy:  Flip collects your personal information that you provide in this form for the purpose of conducting the promotion and providing you with information about Flip products, services and other promotions. 

If you don’t provide your contact details, you won’t be able to enter the Promotion and Flip won’t be able to contact you about its products, services and other promotions.  

How Flip collects, uses, discloses (including overseas) and keeps and secures personal information, how to request access to and correction of your personal information, how to complain about a privacy breach and how this is handled, and how to opt-out of direct marketing, is explained in the Flip Privacy Policy.

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Flip Insurance is issued by HCF Life. Read the PDS and TMD at flipinsurance.com.au and consider whether this product is appropriate for you.

Winners: Jesse & Luke

HOW TO ENTER

To enter the Spartan Melbourne Giveaway (“Promotion”), you must enter your first name and email address at the link provided to you in the Invitation Email you received from Flip during the Promotion Period (see below). 

1. It is a condition of participating in the Promotion that you agree to all terms of the Promotion, including the Terms and Conditions, which are available at www.flipinsurance.com.au/promo-terms 
2. During the Promotion Period each valid Promotion form received through the link in the Invitation Email will be marked as a single entry in the Promotion (“Entry”). Only one Entry per person will be accepted. 
3. All Entries become the property of Flip and will not be acknowledged or returned.

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TERMS & CONDITIONS

1. This Promotion is conducted by Flip Insurance Pty Ltd, ABN 71 648 680 960 (“Flip”). Get in contact at help@getflip.com.au. The Promotion will run in each State and Territory in Australia, from 0900 AEST on 14 July 2025 until 0900 AEST on 21 July 2025 (“Promotion Period”).
2. Information on ‘How to enter’ also forms part of the terms and conditions of entry. Entry into the Promotion is considered as acceptance of these Terms and Conditions.
3. Entry is open to individuals who meet the following eligibility requirements:
   a. Have received an email from Flip inviting them to participate in the Promotion (“Invitation Email”);
   b. Have submitted their first name and email address via the Promotion form available through the link provided in the Invitation Email during the Promotion Period;
   c. Not be a management committee member of Flip or a person involved in the conduct or marketing of the Promotion;
   d. Be at least 18 years old; and
   e. Reside in Australia.
4. This Promotion is a game of chance and winners who meet the above criteria will be randomly selected by Flip on 21 July 2025 at 1200 AEST.
5. Decisions by Flip, including with respect to any dispute, will be final.
6. There will be 2 winners for this Promotion who will each receive one prize valued at up to $468, as follows:
   Two Spartan Melbourne tickets, each valid for any single race of Sprint, Super, Kids or Hurricane Heat on 9-10 August 2025.
7. The winners will be notified via email within 2 hours of the draw. The winners will be published on Flip’s website at www.flipinsurance.com.au/promo-terms. The winners will be determined by Flip at its sole discretion (acting reasonably and in accordance with these Terms and Conditions) and no discussion or correspondence will be entered into in this regard.

The prize should be claimed as soon as possible upon receiving the email notifying of the win, but no later than 10 August 2025 when it expires. Any unclaimed or unused tickets after this time will be forfeited.‍

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Privacy:  Flip collects your personal information that you provide in this form for the purpose of conducting the promotion and providing you with information about Flip products, services and other promotions. 

If you don’t provide your contact details, you won’t be able to enter the Promotion and Flip won’t be able to contact you about its products, services and other promotions.  

How Flip collects, uses, discloses (including overseas) and keeps and secures personal information, how to request access to and correction of your personal information, how to complain about a privacy breach and how this is handled, and how to opt-out of direct marketing, is explained in the Flip Privacy Policy.

HOW TO ENTER

1. To enter the Manly Sea Eagles Competition (“Promotion”) you must:
   a. Download the Flip Insurance mobile app (if you don't already have it); and
   b. Create a free account during the Promotion Period (see below); and
   c. Reside in Australia.
2. It is a condition of participating in the Promotion that you agree to all terms of the Promotion, including these Terms and Conditions, which are available at www.flipinsurance.com.au/promo-terms

TERMS & CONDITIONS

1. This Promotion is conducted by Flip Insurance Pty Ltd, ABN 71 648 680 960 (“Flip”). Get in contact at help@getflip.com.au. The Promotion will run in each State and Territory in Australia, from 9:00 AEST on 6 August 2025 until 29 August 2025 at 9:00 AEST (“Promotion Period”).
2. Information on ‘How to enter’ also forms part of the terms and conditions of entry. Entry into the Promotion is considered as acceptance of these Terms and Conditions.
3. Entry is open to individuals who meet the following eligibility requirements:
   a. Have received an email from Manly Sea Eagles inviting them to participate in the Promotion;
   b. Have not signed up to the Flip Insurance mobile app before the start of the Promotion Period;
   c. Have complied with all of the ‘How to Enter’ requirements in clause 1 above;
   d. Not be a management committee member of Flip or a person involved in the conduct or marketing of the promotion; and
   e. Be at least 18 years old.
4. This Promotion is a game of chance and winners who meet the above criteria will be randomly selected by Flip on 1 September 2025 at 15:00 AEST.
   a. Decisions by Flip, including with respect to any dispute, will be final.
   b. There will be 3 winners for this Promotion who will each receive one prize valued at $200, as follows:
   c. One $200 e-gift card.
5. The winners will be notified via email within 48 hours of the draw. The winners will be published on the Flip website at www.flipinsurance.com.au/promo-terms. The winners will be determined by Flip at its sole discretion (acting reasonably and in accordance with these Terms and Conditions) and no discussion or correspondence will be entered into in this regard.

The prize should be claimed as soon as possible upon receiving the email notifying of the win, but no later than 31 December 2025. Any unclaimed or unused gift cards after this time will be forfeited.

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Privacy: Flip collects your personal information that you provide in this form for the purpose of conducting the promotion and providing you with information about Flip products, services and other promotions. 

If you don’t provide your contact details, you won’t be able to enter the Promotion and Flip won’t be able to contact you about its products, services and other promotions.  

How Flip collects, uses, discloses (including overseas) and keeps and secures personal information, how to request access to and correction of your personal information, how to complain about a privacy breach and how this is handled, and how to opt-out of direct marketing, is explained in the Flip Privacy Policy.

Winners: Dan, Laura, Kathy

HOW TO ENTER

To enter the Tough Mudder Competition (“Promotion”) you must enter your first name and email address at the link provided to you in theInvitation Email you received from Flip during the Promotion Period (see below):

1. It is a condition of participating in the Promotion that you agree to all terms of the Promotion, including the Terms and Conditions, which are available at www.flipinsurance.com.au/promo-terms

2. During the Promotion Period each valid Promotion form received through the link in the Invitation Email will be marked as a single entry in the Promotion (“Entry”). Only one Entry per person will be accepted.

3. All Entries become the property of Flip and will not be acknowledged or returned.

TERMS & CONDITIONS

1. This Promotion is conducted by Flip Insurance Pty Ltd, ABN 71 648 680 960 (“Flip”). Get in contact at help@getflip.com.au. The Promotion will run in each State and Territory in Australia, from 9:00 AEST on 8 August 2025 until 15 August 2025 at 9:00 AEST (“Promotion Period”).
2. Information on ‘How to enter’ also forms part of the terms and conditions of entry. Entry into the Promotion is considered as acceptance of these Terms and Conditions.
3. Entry is open to individuals who meet the following eligibility requirements:
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   a. Have received an email from Flip inviting them to participate in the Promotion      (“Invitation Email”);

b. Have submitted their first name and email address via the Promotion form      available through the link provided in the Invitation Email during the Promotion Period;

c. Not be a management committee member of Flip or a person involved in the conduct or marketing of the Promotion;

d. Be at least 18 years old; and

e. Reside in Australia.

4. This Promotion is a game of chance and winners who meet the above criteria will be randomly selected by Flip on 15 August 2025 at 12:00 AEST.
a. Decisions by Flip, including with respect to any dispute, will be final.
b. There will be 3 winners for this Promotion who will each receive one prize valued at up to $700, as follows:
c. TwoTough Mudder Hunter Valley tickets, each valid for any single race of 15K, 5Kor Infinity on 6 September 2025.

1. The winners will be notified via email within 2 hours of the draw. The winners will be published on the Flip website at www.flipinsurance.com.au/promo-terms. The winners will be determined by Flip at its sole discretion (acting reasonably and in accordance with these Terms and Conditions) and no discussion or correspondence will be entered into in this regard.

The prize should be claimed as soon as possible upon receiving the email notifying of the win, but no later than 5 September 2025. Any unclaimed or unused tickets after this time will be forfeited.

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Privacy: Flip collects your personal information that you provide in this form for the purpose of conducting the promotion and providing you with information about Flip products, services and other promotions. 

If you don’t provide your contact details, you won’t be able to enter the Promotion and Flip won’t be able to contact you about its products, services and other promotions.  

How Flip collects, uses, discloses (including overseas) and keeps and secures personal information, how to request access to and correction of your personal information, how to complain about a privacy breach and how this is handled, and how to opt-out of direct marketing, is explained in the Flip Privacy Policy.