$100 Visa Card After Holding Policy for 2 Months @ Insuranceline

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Insuranceline

• 

  Chef-Johnson on 16/06/2017 - 14:15

  Brilliant!

• 

  povertytrap on 16/06/2017 - 14:16

  Good post but a bit of a nuisance that you are not guaranteed the Visa card.

• 

  Maglia Nera on 16/06/2017 - 14:27

  +1

  Here's what to do if you're going to cancel after the qualification period:

  https://www.insuranceline.com.au/existing-customers/cancelli…

  • 

    tatnal on 16/06/2017 - 14:34

    So if you cancel they still want you to call so they can try and save you. Is it worth the hassle?

• 

  King Tightarse on 16/06/2017 - 14:29

  thanks op
  Woah careful with theses guys.
  Was mucking around with their quote form and have already received selling calls

  • 

    bonky on 16/06/2017 - 15:01

    ur dumbass then!… why didnt u use fake details!?

    • 

      King Tightarse on 16/06/2017 - 15:18

      I used a work phone but I think it is useful to the warn others, don't you?

      • 

        bonky on 16/06/2017 - 19:40

        you called me numnuts!

      • 

        King Tightarse on 16/06/2017 - 19:41

        @bonky:
        Well you were being a bit of a dick with your original comment but I decided to edit for general politeness :)

      • 

        bonky on 16/06/2017 - 19:43

        +1

        @King Tightarse: Well… my name is Bonky!

• 

  bonky on 16/06/2017 - 15:01

  I found that you can get a cheaper price if you use fortnightly payments

• 

  [Deactivated] on 16/06/2017 - 15:57

  +1

  Done!

  I don't take calls from South of the Tweed so no problem there….

• 

  jwl81124 on 16/06/2017 - 16:35

  thanks bought one

• 

  huntress_love on 16/06/2017 - 18:20

  Is there a promo code as I don't see the offer on the site?

  • 

    Tom088 on 16/06/2017 - 18:27

    Seems all mention of the promotion has been removed from the website (although the T&C link is still valid)
    Will mark as expired

• 

  tajid on 21/06/2017 - 12:13

  How do you avoid paying the 3rd month's premium given you can only cancel after holding it for 60 days.

  • 

    [Deactivated] on 25/07/2017 - 11:45

    Have been looking into this.

    Best may be to change direct debit instructions to an account with zero balance but one that does not charge you dishonour fees.

    Unpaid premium and premium dishonours
    If you don’t pay the premium when due, or the premium deduction
    from your account can’t be made, then:
    • if the unpaid premium is the first premium, the Policy will be
    cancelled and be treated as if it had not operated at all; or
    • if the unpaid premium is a premium other than the first
    premium, we will allow 30 days from the due date to make this
    payment. lf we have not received payment by this time, we will
    send you a notice telling you that we will cancel your Policy
    if the premium then due is not paid by the date shown in the
    notice. This date will be at least 28 days from the date of the
    giving of this notice. If you do not pay the premium by that date
    we will cancel the Policy and the insurance Cover stops.

    • 

      [Deactivated] on 25/07/2017 - 11:57

      Further to this - just checking the rules for the St george account I recently opened for the $50 it seems you can contact them 24 hours a day to cancel a direct debit arrangement. So might direct it there and then ensure nil balance and contact the bank the night before to cancel the DD arrangement.

      That way 60 days and two payments will have occurred for insuranceline, thus meeting the eligibility criteria.

      15 Direct debit terms and conditions

      15.2 You may cancel your direct debit
      facility by visiting any branch, or
      calling 13 33 30 24 hours a day,
      7 days a week. You should also
      contact the merchant who is debiting
      the funds from your Account. If you
      wish to alter your direct debit facility,
      you should contact the merchant
      who is debiting the funds from your
      Account. We cannot accept a request
      to stop a payment made under a
      direct debit arrangement after we
      have debited the payment from
      your Account.

• 

  Chef-Johnson on 13/07/2017 - 15:43

  anyone get the card?

• 

  [Deactivated] on 25/07/2017 - 13:39

  +1

  Just Posting the T&C in case they 'go missing' online.

  Home q1-terms
  Insuranceline is making a Gift Offer to selected Insuranceline Life Insurance, Income Protection and Funeral Insurance customers upon their purchase of a new Life Insurance, Income Protection or Funeral Insurance policy only under these terms of offer. Insuranceline is a trading name of TAL Direct Pty Limited ABN 39 084 666 017 AFSL 243260 of Level 16, 363 George Street, Sydney, NSW, 2000 (“Insuranceline”). The following terms and conditions apply to the Gift Offer.

  HOW THE GIFT OFFER WORKS

  The Insuranceline Gift Offer commences on 15 May 2017 at 00:01 AM (AEDT) and concludes 16 June 2017 at 23:59 PM (AEDT) (the “Offer Period”).
  Eligible customers will be able to choose from the following gifts:
  Lenovo A7-10 tablet
  $100 Visa card
  Movie tickets (up to 8 tickets for the next 12 months)
  An Eligible Customer is entitled to only one Gift (“the Gift”). If the same Eligible Customer takes out two or more policies during the Gift Offer period, that person is only eligible to receive one gift on whichever policy reaches eligibility criteria first.
  Up to 8 Movie tickets for 12 months
  If you choose the movie tickets as your Gift the following terms will apply:

  You will receive a double movie ticket after 2 months, 5 months, 8 months and 11 months., provided that you keep your policy in-force during this period and pay the relevant premiums in full.
  Customers will not be eligible to receive tickets during the period where they have put their policy on hold, waived premiums or are undergoing a claim.
  If you have finished receiving your claims benefit and you are still within the first 12 months of your policy, you will be entitled to receive all remaining movie tickets from the 12 month period.
  If your policy is cancelled within the first 12 months, you will not be eligible for any movie tickets that have not yet been received.
  You will receive an SMS or email when your tickets are available for redemption.
  Your movie tickets can be used at any Event cinemas and Village cinemas, their terms and conditions will apply – Event Cinemas for more information.
  To receive a Gift, the Eligible Customer must complete an application for a Life Insurance, Income Protection or Funeral Insurance policy during the Offer Period, and be issued with a policy with a commencement date prior to 16 July 2017.
  This offer is made solely by Insuranceline. The insurers issuing the insurance policies are not responsible for any aspect of this Gift Offer. Prize Brokers Pty Limited is responsible for the administration and fulfilment of this offer.
  The Offer Period may be extended by Insuranceline, in which case, a new or revised set of terms and conditions will be published on the website www.Insuranceline.com.au/Q1-terms.
  This offer is not available in conjunction with any other offer.
  Insuranceline reserves the right to revoke this offer at any time.
  OFFER ELIGIBILITY

  Australian residents who are eligible to take out and be covered under a new Insuranceline Life Insurance, Income Protection, or Funeral Insurance policy for themselves and/or another eligible adult are eligible for this offer.
  Information provided to Insuranceline may be used for the purposes of providing insurance cover, administering this Gift Offer and for making future marketing offers unless you tell us otherwise. Information is collected and may be used by Insuranceline in accordance with its Privacy Policy which is available at www.insuranceline.com.au
  To be eligible to receive the Gift the person must have held the policy for 2 consecutive months and paid the relevant premiums in full for those 2 months.
  2 months policy held is equal to 60 days.
  For customers paying monthly the 2 months premium paid is calculated as Annual premium/12 months multiplied by 2. Example: $1,000/12x2= 16.6%
  For customers paying fortnightly is calculated as follows:

  Annual premium/26 fortnights multiplied by 4 = 2months. Example: $1000/26=$38.46 x 4 fortnightly payments equals to $153.86 or 15.38%
  Employees and their immediate families of Insuranceline, the insurers, agencies, companies and related bodies corporate associated with the Gift Offer are eligible to enter by complying with these terms and conditions.
  Insuranceline accepts no responsibility for any late, lost or misdirected Gift Offer enquiries, including enquiries not received by Insuranceline or delays in the delivery of enquiries due to technical disruptions, network congestion or for any other reason.
  Incomplete, non-genuine and incomprehensible enquiries will be deemed invalid at the sole discretion of Insuranceline and ineligible for the Gift Offer.
  An Eligible Customer is only eligible to receive one Gift. If there are two people named on one policy only the primary policy holder is eligible to receive the Gift. If the same Eligible Customer takes out two or more policies during the Gift Offer period, that person is only eligible to receive one gift on whichever policy reaches eligibility criteria first.
  Participating products in this Gift Offer include Life Insurance, Income Protection and Funeral Insurance only.
  A customer will be an “Eligible Customer” if they meet all the criteria in this paragraph 2 (including all the sub-paragraphs).
  OFFER REDEMPTION

  Having qualified for the Gift Offer as set out in Part 2, the primary Policy Owner of a new Life Insurance, Income Protection or Funeral Insurance policy issued with a Policy Commencement Date during the Offer Period will receive an email, a letter or SMS from Insuranceline with details of how to redeem the Gift Offer.
  Each Eligible Customer will have up to 16 October 2017 to redeem the Gift Offer.
  The “Eligibility Date” is the date the Eligible Customer has held the policy for 2 consecutive months and paid 2 months premiums in full.
  Premium payments may take up to 14 days to be processed.
  At the time of redemption the Policy Owner may be offered an alternative Gift. Each Policy Owner is entitled to one gift only. If the same Policy Owner takes out two or more policies during the Gift Offer period, that person is only eligible to receive one gift on whichever policy reaches eligibility criteria first. If the Policy Owner chooses an alternative gift they will not also be eligible to receive the other gifts on offer.
  FULFILMENT DETAILS

  If, for any reason out of Insuranceline’s control, the Gift chosen by an Eligible Customer becomes unavailable, another Gift of similar value will be awarded in lieu.
  The Gift cannot be transferred, exchanged or redeemed for cash.
  In the event that a Gift recipient does not accept delivery of their Gift in accordance with any conditions of delivery notified to them at the time of redemption, then the Gift will be forfeited and cash will not be awarded in lieu.
  Insuranceline takes no responsibility for the Gift being damaged, lost, stolen or misdirected in transit.
  Delivery of the gift to the nominated postal address can take up to 28 business days from the time an Eligible Customer has selected their Gift.
  GENERAL CONDITIONS

  Insuranceline reserves the right to request recipients of the Gift to provide proof of identity, proof of residency at the nominated delivery address and/or proof of offer eligibility in order to claim the Gift. Proof of identification, residency and eligibility considered suitable for verification is at the discretion of Insuranceline. In the event that suitable proof cannot be provided, the Gift will be forfeited in whole and no substitute offer will be made.
  Insuranceline reserves the right to disqualify anyone who tampers with the Gift Offer eligibility process, who submits an entry that is not in accordance with these terms and conditions or who has, in Insuranceline’s opinion, engaged in conduct in participating in the Gift Offer which is fraudulent, misleading, deceptive, or generally damaging to the goodwill or reputation of Insuranceline.
  If, for any reason, this Gift Offer is not capable of running as planned, including due to computer technical failures; fraud; delays in fulfilling material obligations where such delay is due to industrial action, fire, flood, war, public disaster, delay in transportation; or other causes beyond the control of Insuranceline, which affects the administration, security, fairness, integrity or proper conduct of this offer, Insuranceline reserves the right in its sole discretion to cancel, terminate, modify or suspend the Gift Offer to the extent permissible by law.
  Insuranceline may cancel the Gift Offer at any time.
  Insuranceline reserves the right to change or substitute the Gift or the Gift Offer or any part of the Gift or Gift Offer at any time.
  These terms and conditions are to be interpreted in accordance with the law of New South Wales.
  Australia
  Australia's #1 Choice
  in Direct Life Insurance

  TAL logo
  Backed by TAL

  Secured
  We're verified

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  by ADMA

• 

  King Tightarse on 27/07/2017 - 10:30

  We should have received these by now, I think…

  • 

    [Deactivated] on 28/07/2017 - 08:42

    By my reading of the eligibility criteria the following two events must have occurred:

    1. paid for 2 months premiums
    2. 60 days as a policyholder must have elapsed.

    If both have get onto them!!!

    I have just under 3 weeks until so.

    • 

      King Tightarse on 28/07/2017 - 09:16

      "60 days as a policyholder"

      Oh right, so in that case we must be in out third month of premiums to receive them.

      • 

        [Deactivated] on 28/07/2017 - 09:20

        +1

        probably their intention but also their mistake….. As per one of my technical posts above, should you not make the 3rd month's payment, their policy is to keep the policy open for 30 days to allow you to pay and continue the policy. If, after the additional 30 days yiou haven't paid installment 3, they cancel the policy.

        In this scenario, you have met the eligibility criteria. So dodge the 3rd payment perhaps by the method I suggest:

        "Further to this - just checking the rules for the St george account I recently opened for the $50 it seems you can contact them 24 hours a day to cancel a direct debit arrangement. So might direct it there and then ensure nil balance and contact the bank the night before to cancel the DD arrangement."

• 

  Moderatorneil on 20/08/2017 - 19:36

  Comments reopened if anyone would like to share their experience.

• 

  tajid on 20/08/2017 - 19:38

  I've been charged my third premium but still nothing from them, anyone's got their gift card?

  • 

    King Tightarse on 21/08/2017 - 12:34

    nothing here yet

• 

  tajid on 21/08/2017 - 13:50

  Called them and spoke to a very rude customer service. Anyone that has held the policy for 60 days and paid for 3 month premium will still need to wait to get sms confirmation from them within the next week then you can cancel.

  She was hopeless and shouted back at me. Told her T&Cs just stated you need to hold for 60 days and pay 2 month premium (not 3!), I've paid 3 months anyway but she still say no cancellation until you get the sms.

  • 

    King Tightarse on 21/08/2017 - 13:56

    What is the purpose of the SMS? To confirm receipt of the Gift Cards?

    • 

      tajid on 21/08/2017 - 14:04

      +1

      and maybe how to claim it. They are making you jump through hoops, never again.

    • 

      tajid on 21/08/2017 - 14:08

      When I signed up the rep told me i just needed to pay for 2 months and can cancel after the 2nd premium charged. Full of BS pfft.

• 

  hoons on 21/08/2017 - 15:01

  Nothing here yet either, no e-mail no SMS, will give them a call later today, I've paid my 3rd month premium as well.

• 

  [Deactivated] on 22/08/2017 - 09:07

  Remember this experience if you ever are offered Income Protection or TPD & Death insurance from TAL.

  If you're with QSuper your life depends on these pricks so suggest you get out asap.

• 

  Tom088 on 23/08/2017 - 14:19

  +1

  Just got my SMS, go to www.insuranceline.com.au/offer to redeem the $100 Visa Gift Card using your policy number

  • 

    jwl81124 on 23/08/2017 - 17:35

    What day did u join in?

    • 

      Tom088 on 23/08/2017 - 18:19

      16th June

      • 

        jwl81124 on 23/08/2017 - 21:05

        Me too but I didn't get SMS ,you are lucky

• 

  tajid on 24/08/2017 - 08:40

  Got my sms yesterday as well

  aLso be prepared for a long time on the phone when cancelling your policy. I had to say multiple times that I am not changing my mind & want to cancel now but she went on and on and on and on about why it's not a good idea.

• 

  [Deactivated] on 24/08/2017 - 08:54

  Still waiting.

• 

  [Deactivated] on 30/08/2017 - 15:05

  These bastards are claiming I signed up on the 19th and not the 16th!!!

  They bloody tried calling me 5 times on the 16th!!!!

  Dodgy scammers!!!

• 

  jwl81124 on 30/08/2017 - 19:11

  How many days did you guys receive the $100 visa gift card after redeem?

  • 

    tajid on 31/08/2017 - 08:06

    haven't received in mail. Redeemed 8 days ago.

    • 

      King Tightarse on 31/08/2017 - 10:54

      maybe they will try to stretch the send out time to get everyone to do another round of payments

      • 

        jwl81124 on 01/09/2017 - 11:58

        You are right. I already paid them 70 days.they ask me to pay another 14 days and say I am still not eligible .Visa card won't be horner .insuranceline and gift cards are two different companies.

    • 

      jwl81124 on 31/08/2017 - 14:53

      When did you cancel your policy?

      • 

        tajid on 31/08/2017 - 15:15

        I cancelled about 7 days ago

• 

  jwl81124 on 31/08/2017 - 18:21

  Thanks

• 

  [Deactivated] on 05/09/2017 - 14:37

  So no call back as expected. This time the main office confirmed everything was correct then put me through to the dodgy prize people who denied all knowledge of my call, told me they'd fix everything and expect it within 28 days. Ahh - no, not waiting another month.

  • 

    [Deactivated] on 05/09/2017 - 14:45

    Policy cancellation is fun. Three times I've interrupted her spiel to say just cancel it I'm not interested in your sales pitch.

    • 

      [Deactivated] on 05/09/2017 - 15:08

      Astonishingly she had me on hold for 10 minutes then explained that she hasn't closed my account because she's fixed the problem with the gift card (the problem I'd fixed myself on the previous call)

      I had to tell her no less than 6 more times to cancel the insurance. The second she indicated it was closed I hung up.

      I don't trust her for a second. Just went online and changed payment details to an exhausted prepaid debit card.

      Insuranceline (TAL) - go (profanity) yourself!!!!

      • 

        [Deactivated] on 05/09/2017 - 16:00

        Getting my visa card at last!

      • 

        jwl81124 on 05/09/2017 - 16:32

        @Mr Gradgrind: did you receive the visa card?

      • 

        [Deactivated] on 06/09/2017 - 08:42

        @jwl81124: It's on its way. Due to their pathetic incompetence I've only just redeemed it.

      • 

        jwl81124 on 07/09/2017 - 09:33

        @DisabledUser208108: thanks for reply

• 

  hoons on 08/09/2017 - 12:35

  +1

  Just got my $100 Visa Gift card in the mail, now the fun part, calling up to cancel my policy lol

  • 

    King Tightarse on 08/09/2017 - 15:45

    +1

    Ah great, the first reported arrival. Cheers, enjoy saying "no" over and over cancelling ;P

• 

  tajid on 13/09/2017 - 10:23

  Still haven't received my VISA in the mail, redeemed 3 weeks ago now.

  • 

    King Tightarse on 13/09/2017 - 10:55

    Me too, getting near another round of fees. What are they doing????

    • 

      tajid on 13/09/2017 - 11:02

      I've canceled mine and got sms and redeemed the visa so no more fees from me but surely processing the visa doesn't take this long..

      • 

        King Tightarse on 13/09/2017 - 11:03

        Are you sure they will still send it if we cancel?

      • 

        tajid on 13/09/2017 - 11:15

        +2

        @King Tightarse: That's what the staff said. They said if you want to cancel, cancel after you receive sms to claim you visa.

      • 

        HangryCakeStore on 13/09/2017 - 11:45

        -1

        @tajid: on the mail topic, have you gotten my email, its an issue in regards the previous wish card purchase a while ago, as I have overpaid. thanks, some reason pm is not working

• 

  King Tightarse on 15/09/2017 - 13:50

  Still no goddamn card…

  • 

    tajid on 20/09/2017 - 12:44

    Have you called and complained?

    Still haven't got it either.

    • 

      King Tightarse on 20/09/2017 - 18:19

      No will call them tomorrow as its more than 28 days now

      • 

        tajid on 20/09/2017 - 19:55

        +2

        Just got my visa card in the mail today.

• 

  King Tightarse on 21/09/2017 - 16:03

  Finally received it phew that sucked.
  BTW, they start charging a fee of $2.50 per month on the card after the fourth month so use it all up straight away. Dont call them either, thats another $3.99