Make a Claim

Terms of Use - Poncho Insurance

Your access and use of this website constitutes your agreement to these Terms of Use.

"This website" means all webpages located on the www.ponchoinsurance.com.au domain name.

This website is the website of Insurance Australia Limited trading as Poncho Insurance and its related entities. In these Terms of Use, 'we', 'us', 'our' and 'Poncho Insurance' means Insurance Australia Limited trading as Poncho Insurance.

Your access and use of this website is governed by these Terms of Use and the Privacy Statement. By accessing and using this website you acknowledge and accept that you are bound by these Terms of Use and the Privacy Statement.

Prohibited activities

This website may not be used for any of athe following prohibited activities:

  • Use of any type of data accumulation tool, robot, or spider to compile, disseminate, extract, process, reproduce, or repackage in any form or monitor any of the web pages, content, data or information contained within or accessible through this website
  • To accumulate or combine the content, data or information contained or accessible through this website with content, data or information from any third party, without Insurance Australia Limited's prior written permission
  • Use of high-volume, automated or systematic processes to obtain data or other information from this website
  • Compiling, repackaging or disseminating any information or data from this website
  • Accumulating data or information from this website whether or not using any automatic or manual process
  • Use of any type of device, process, routine or software either systematically or non-systematically to interfere or attempt to interfere with the functioning of this website or any transaction or process conducted on or through this website
  • To use or reproduce any information or data from this web site other than as specifically permitted by these Terms of Use
  • To incorporate into or store any information or data from this website in any other website, electronic retrieval system, database, publication or other work in any form, other than as specifically permitted by these Terms of Use
  • Combining or processing any data or information from this website with other data or information other than as specifically permitted by these Terms of Use
  • Creating a link to this website from another website without Insurance Australia Limited's prior written permission
  • Using this website other than as specifically permitted by these Terms of Use
  • Any use of this website for an unlawful purpose or activity
  • Either yourself or through a third party changing, modifying, reproducing, or creating any works derived from this website, or displaying in public, any part or content of this website without Insurance Australia Limited's prior written permission or unless you have a non-excludable legal right to do so

If you breach these Terms of Use, you agree to indemnify us for any loss that we may suffer or any costs that may be incurred from your breach.

Any failure by us to exercise any right, power or remedy under these Terms of Use shall not operate as a waiver of our rights.

Permitted activities

This website may only be used for the following permitted activities:

  • A use authorised in writing by an Insurance Australia Group (IAG) insurer.
  • IAG staff carrying out their duties for IAG.
  • Temporary browsing as a genuine customer or for personal non-commercial interest.

Other important information

Intellectual property

All intellectual property on this website – including the trademarks and copyright in the information, text, graphics, services and other data – is owned by us and no part of this website may be reproduced, stored, modified, adapted, uploaded to another location or produced for display in public in any form without our prior written approval.

The Poncho Insurance website

The law which applies to this website and to disputes arising out of this website, is the law of the state of New South Wales, Australia.

The information contained on this website may not be accurate or up to date in all respects. We do not warrant the accuracy or completeness of any information contained on this website.

The information on this website is provided for Australian residents only, and where indicated, may be limited to specific states and territories of Australia. The law of New South Wales governs these Terms of Use.

This website may contain links to third party websites. Poncho Insurance and its related entities do not make any representations as to the contents of any third party websites.

Poncho Insurance's quote and insurance application service

The 'Start a quote' service is offered solely to assist you to buy or decide to buy insurance from us.

You are not authorised to, and you agree not to, use high-volume, automated or systematic processes to obtain quotes or make insurance applications, or to make an excessive number of requests to the services.

You also agree not to use, copy, compile, repackage or disseminate any information obtained from the 'Start a quote' service for any purpose other than your personal, non-commercial purposes without Insurance Australia Limited's prior written consent, and you specifically agree that you will not use, or obtain with an intention to use, such information for the purpose of discovering the business logic of either service, or creating a tool that predicts the operation of either service.

If you contravene the above paragraph, Insurance Australia Limited reserve the right to terminate your access to these services in its sole discretion, without prejudice to any other rights that it may have.

You acknowledge that the business logic (including the relative importance of each rating criterion and the pricing algorithms) used to implement the services are trade secrets of Insurance Australia Limited and/or its reinsurers, and that Insurance Australia Limited would suffer significant harm if such business logic were to be derived, and subsequently used or disclosed, in breach of these Terms of Use.

Online Self Service

Online Self Service Terms of Use

Your access and use of "Online Self Service" constitutes your agreement to these Terms of Use. Online Self Service is owned and operated by Insurance Australia Limited ABN 11 000 016 722 trading as Poncho Insurance.

"we", "our" and "us" refers to Insurance Australia Limited and its related entities. "you" and "your" refers to the person accessing and using Online Self Service. "Online Self Service" refers to the information, text, graphics, services and other data contained under the domain name. www.ponchoinsurance.com.au.

These Terms of Use apply to your access and use of Online Self Service and operate concurrently with the Terms of Use for our websites located on the www.ponchoinsurance.com.au domain names. To the extent of any inconsistency, with regard to your access and use of Online Self Service, these Terms of Use prevail.

Accessing Online Self Service

You are only able to access Online Self Service if you have "Registered". You become Registered by accurately completing the details requested by us on the login, registration and authentication pages of Online Self Service. The details requested on these pages relate to information about you and a current insurance policy you hold with us for which Online Self Service is available. Once you have Registered you will generate a "Login". You will then use your Login to access Online Self Service.

You must not provide details of your Login to any other person. You must not allow any other person to use your Login. You must not use another person's Login and may only use Online Self Service to view or manage information relating to another person or their insurance policies with their express authority.

Where you hold a policy jointly with another person, each of you will need to become Registered however your individual Logins will enable each of you to view or manage details relating to that jointly held policy. In the case of joint policies, any transaction performed on Online Self Service by one policyholder will be deemed an authorised transaction performed by all policyholders.

Electronic transactions

You may use Online Self Service to perform certain transactions online.

Any transactions performed on Online Self Service will not be complete until we receive and process your "Confirmation". Your Confirmation means any communication issued or transmitted by you to us via Online Self Service or other electronic means which contains your acceptance in relation to our offer, or your confirmation of payment, whichever applies.

Your Confirmation may not be received by us for various reasons and you acknowledge that we are not liable to you in any way for loss or damage, howsoever caused, directly or indirectly, in connection with the transmission of your Confirmation.

Terminating access to Online Self Service

We reserve the right to terminate your access to Online Self Service at any time for any reason. We will endeavour to notify you if this occurs. You may terminate your access to Online Self Service at any time by contacting us and giving us notice to that effect along with sufficient information to enable us to identify your Login.

Where your access to Online Self Service is terminated by us or by you, you must immediately cease using Online Self Service and not directly or indirectly access or use Online Self Service further.

Restrictions of use

In addition to any activity prohibited or not explicitly permitted above, you must not directly or indirectly or via any third party:

  • Use Online Self Service for any other purpose other than as a legitimate customer of ours.
  • Take any action which may disrupt access to, cause damage to, or interfere with, the proper operation of Online Self Service.
  • Use, copy, reproduce, alter, modify or display in public, any content or data from Online Self Service.
  • Incorporate into or store any information or data from Online Self Service in any other website, electronic retrieval system, database, publication or other work in any form.
  • Create a link to Online Self Service from another website.
  • Use Online Self Service other than as specifically permitted by these Terms of Use.

To the maximum extent permitted by law we exclude liability (including for negligence) to any person arising directly or indirectly from accessing, using or being unable to access or use, the information or data provided by Online Self Service.

Indemnity

If you breach these Online Self Service Terms of Use, you agree to indemnify us for any loss that we may suffer or any costs that may be incurred from your breach.

Any failure by us to exercise any right, power or remedy under these Online Self Service Terms of Use shall not operate as a waiver of our rights.

Intellectual property

All intellectual property in Online Self Service – including trademarks and copyright in the information, text, graphics, services and other data – is owned by us and no part of Online Self Service may be reproduced, stored, modified, adapted, uploaded to another location or produced for display in public in any form without our prior written approval.

Jurisdiction

The law applicable to Self Service Centre and to disputes arising out of Online Self Service is the law of the State of New South Wales, Australia.

Privacy – our commitment to you

We are committed to protecting your privacy. The privacy section of your Product Disclosure Statement and Policy Policy explain how we collect, use and disclose the personal information you provide to us.

Get covered today

All online and only takes a couple of minutes. Get an instant quote now and see if Poncho is right for you.

poncho footer pattern left
poncho footer pattern right

You're only a few steps away from an instant quote!

Get your instant quote

Proceeding means you agree to the Poncho Terms of use.

Your browser is out of date!

Update your browser to view this website correctly. Update my browser now

×