Terms of Use

Terms of Use

These terms apply when you use covra.com.au or send an enquiry through it. By using the site, you agree to them. If you don’t agree, please don’t use the site.

“COVRA”, “we” and “us” mean the business that runs covra.com.au. Brokers who use the COVRA exchange also agree to our broker terms.

1. What COVRA does

COVRA is an online referral service for Australian businesses. COVRA gives general information and puts businesses in touch with a broker. The broker looks at your circumstances, gives any advice and arranges insurance if you choose to go ahead.

COVRA is not an insurance broker or insurer and is not licensed to provide financial product advice. We don’t give advice, provide quotes or arrange policies, and we don’t act for you or for any broker.

2. How enquiries are allocated

• We check each enquiry before any broker sees it. We can decline to pass one on, for example if it’s incomplete, a duplicate or not about business insurance.
• Approved brokers can see a summary of your enquiry without your name, email address or phone number.
• Approved brokers whose website shows they offer a cover you asked about can bid to receive your enquiry. Enquiries that don’t name a cover are open to every approved broker. Each enquiry goes to the broker who bids the most.
• Only that broker receives your name and contact details, and they pay COVRA for the enquiry.

The broker will contact you by phone or email about your enquiry. You don’t have to go ahead with anything, and you can ask them to stop contacting you at any time. We can’t promise that a broker will take on your enquiry, contact you by a particular time or offer you cover.

3. The brokers

Before a brokerage can receive enquiries, we check its Australian Financial Services Licence or authorised representative number on ASIC’s professional register, and check its website for the covers it offers. COVRA doesn’t recommend or compare brokers, and approving a broker isn’t a recommendation.

Brokers are independent of COVRA. The broker is responsible for their own advice and services, and the insurer for any policy. Small businesses can take eligible complaints about insurers and brokers to the Australian Financial Complaints Authority (AFCA).

4. How COVRA is paid

COVRA is free for businesses. Brokers pay COVRA to receive enquiries, and the broker who contacts you will have paid for yours. They’ll tell you about any fees or commissions they receive. You don’t pay COVRA anything, and there’s no obligation to take out a policy.

5. General information only

Our guides, the insurance check and the review checklist are general information. They don’t take into account your objectives, financial situation or needs, and aren’t a recommendation to buy any insurance product. We take care to keep them accurate and to cite our sources, but laws, requirements and prices change, and policies differ. Check the Product Disclosure Statement (PDS), policy wording and Target Market Determination (TMD), and the rules of the regulator that applies to you, before you decide.

6. What you tell us

You must be 18 or over to send an enquiry. Please give accurate details, and only send an enquiry for your own business or one you’re authorised to act for. Don’t send false, spam or automated enquiries, or someone else’s details without their permission. Our privacy policy explains how we handle the information you give us.

7. Using the site

Don’t misuse the site, for example by trying to get around its security, interfering with how it works, or copying it in bulk with automated tools. We may change, suspend or stop any part of the site at any time.

8. Our content

The text, design, images and logo on this site belong to COVRA or the people who licensed them to us. You can read, print and share links to our pages for your own use or your business’s internal use. Please don’t republish or sell our content without our permission. The sources we cite belong to their publishers.

9. Other websites

We link to government, regulator, insurer and other websites so you can check our sources. We don’t control those sites and aren’t responsible for their content.

10. Our liability

Nothing in these terms excludes, restricts or changes any rights you have under the Australian Consumer Law, or any other law, that can’t be excluded. As far as the law allows, COVRA isn’t liable for loss arising from relying on the site’s general information, or from a broker’s or insurer’s advice, services or products, and isn’t liable for indirect or consequential loss. Where our liability for a service can be limited, it’s limited to supplying the service again.

11. Complaints about COVRA

If you’re unhappy with our service, email admin@covra.com.au and tell us what happened. We’ll reply within 30 days. Privacy complaints are handled as our privacy policy explains, and complaints about a broker’s advice or services go to that broker and, where eligible, to AFCA.

12. Changes and general terms

We may update these terms, and the date at the top shows when they last changed. The terms in force when you send an enquiry apply to it. These terms are governed by the laws of Queensland, Australia, and the courts of Queensland have jurisdiction. If any part of these terms is unenforceable, the rest continue to apply.

Contact

Email admin@covra.com.au, or privacy@covra.com.au about privacy.