Promotion - Terms and Conditions

General

1. The Flip Friends & Family Referral Offer (the "Offer") will run from November 14 2023 until November 25 2026 (“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 select purchase options Flip cover from any of the ‘direct to consumer’ (D2C) products - Flip Active, Flip Kids and Flip Roaming. The offer excludes the purchase of Season Passes, Annual Subscription, 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.

^Offer is valid until 11:59pm 31 January 2026. You will receive 20% off for any Flip Active for children (5-17) week of cover, 90-day or 180-day pass, the first month of a monthly subscription, the first year of an annual subscription or Flip Roaming for children (5-17) week and 30-day.

The discount does not apply to Flip Active for children (5–17) day cover, Flip Active or Flip Roaming for adults, or Flip Group Active. Offer is subject to change without advance notice.

Winner: Gabriela

HOW TO ENTER

To enter the Spartan Flip Dental Giveaway (“Promotion”) you must enter your first name, last name, state you live in and email address at the link provided to you in the Invitation Email you received from Spartan 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”).
3. Follow @flipdental on Instagram during the Promotion Period for an extra entry, provided that you must also give us your Instagram account name at the time of submitting your Promotion form so we can verify the extra entry.
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 9:00 AEST on 23 September 2025 until 28 September 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 Spartan inviting them to participate in the Promotion (“Invitation Email”);
   b. Have submitted their first name, last name, state you live in, email address and Instagram account name (where an additional Entry is sought) 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 the winner who meet the above criteria will be randomly selected by Flip on 29 September 2025 at 12:00 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 $249, as follows:
   a. One Flip Dental voucher, valid for a comprehensive check-up, clean, fluoride application and two bitewing x-rays at an HCF Dental Centre (see locations - https://www.flipinsurance.com.au/wellbeing/flip-dental#find).
7. The winner 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.

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: Bryle, Olivia, Conor, Emma, Preta

HOW TO ENTER

To enter the 2XU Wellness Run Competition (“Promotion”), during the Promotion Period (see below), you must: 

1. To enter the 2XU Wellness Run Competition (“Promotion”), during the Promotion Period (see below), you must:
   a. Tag (@) an account in your comment on the dedicated Flip Insurance Instagram (@flip_insurance) post for this Promotion;
   b. Follow both the Flip Insurance Instagram account (@flip_insurance) and 2XU Wellness Run Instagram account (@2xuwellnessrun);
   c. Like and save the dedicated Flip Insurance Instagram post for this Promotion; and
   d. 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 https://www.flipinsurance.com.au/promo-terms
3. During the Promotion Period, each valid comment that meets the criteria in Clause 1 above underneath the relevant dedicated post for this Promotion will be marked as a single entry in the Promotion (“Entry”). Multiple Entries per person will be accepted. One Entry will be recorded for sharing the post for the Promotion in your story and for each unique account that is tagged in a comment in accordance with Clause 1.
4. Provided at least one Entry is received in accordance with Clause 1, you can also make an additional Entry by sharing the post for the Promotion in your story and tagging @flip_insurance and @2xuwellnessrun.

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TERMS & CONDITIONS

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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 09:00 AEDT on 14 October 2025 until 23:59 AEDT on 19 October 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 followed all of the ‘How to Enter’ instructions in clause 1 above;
   b. Not be a management committee member of Flip or a person involved in the conduct or marketing of the Promotion; and
   c. 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 20 October 2025 at 10:00 AEDT.
5. Decisions by Flip, including with respect to any dispute, will be final.
6. There will be 5 winners for this Promotion who will each receive one prize valued at up to $330, as follows:
   a. Two tickets to any 2XU Wellness Run race on 30 November 2025 in Melbourne.
7. The total prize pool for this Promotion is valued at up to $1,650.
8. The winners will be notified via Instagram Direct Message within 24 hours of the draw. The winners will be published on Flip’s website at https://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.
9. If you are successful, you must claim your prize as soon as possible but no later than 23:00 AEDT on 29 November 2025 (“Forfeit Date”). Any unclaimed prize will be forfeited after the Forfeit Date.
10. For any query relating to the Promotion, please contact Flip at help@getflip.com.au or on 03 6161 3547.

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: Josh, Alex, Ria

HOW TO ENTER

1. To enter the Spartan Wollongong Stadion Competition (“Promotion”), during the Promotion Period (see below), you must:
   a. Tag (@) an account in your comment on the dedicated Flip Insurance Instagram (@flip_insurance) post for this Promotion;
   b. Follow both the Flip Insurance Instagram account (@flip_insurance) and Spartan Race Australia Instagram account (@spartanraceau);
   c. Like and save the dedicated Flip Insurance Instagram post for this Promotion; and
   d. 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 https://www.flipinsurance.com.au/promo-terms
3. During the Promotion Period, each valid comment that meets the criteria in Clause 1 above underneath the relevant dedicated post for this Promotion will be marked as a single entry in the Promotion (“Entry”). Multiple Entries per person will be accepted. One Entry will be recorded for each comment tagging a unique account in accordance with Clause 1.
4. Provided at least one Entry is received in accordance with Clause 1, you can also make an additional Entry by sharing the post for the Promotion in your story and tagging @flip_insurance and @spartanraceau.
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TERMS & CONDITIONS

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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 09:00 AEDT on 3 November 2025 until 23:59 AEDT on 6 November 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 followed all of the ‘How to Enter’ instructions in clause 1 above;
   b. Not be a management committee member of Flip or a person involved in the conduct or marketing of the Promotion; and
   c. 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 7 November 2025 at 10:00 AEDT.
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 $368, as follows:
   a. Two tickets to any Spartan Wollongong Stadion race on 29 November 2025.
7. The total prize pool for this Promotion is valued at up to $1,104.
8. The winners will be notified via Instagram Direct Message within 24 hours of the draw. The winners will be published on Flip’s website at https://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.
9. If you are successful, you must claim your prize as soon as possible but no later than 23:00 AEDT on 28 November 2025 (“Forfeit Date”). Any unclaimed prize will be forfeited after the Forfeit Date.
10. For any query relating to the Promotion, please contact Flip at help@getflip.com.au or on 03 6161 3547.

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 QUALIFY:

1. To qualify for the Flip Dental x HCF Eyecare Giveaway (“Promotion”), you must: 
   a. Purchase a Flip Dental voucher during the Promotion Period (see below);
   b. Present your Flip Dental email purchase confirmation at an HCF Eyecare centre within 6 months; and
   c. Have a bulk-billed eye test at an HCF Eyecare centre within 6 months or be an existing HCF Eyecare customer with a current glasses prescription.
2. This Promotion is subject to Terms and Conditions which are available at https://www.flipinsurance.com.au/promo-terms

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TERMS & CONDITIONS

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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 09:00 AEDT on 20 January 2026 until 23:59 AEST on 31 May 2026 (“Promotion Period”)..
2. Information on ‘How to qualify’ also forms part of the terms and conditions.
3. To qualify for this Promotion, individuals must meet the following eligibility requirements:
   a. Have purchased a Flip Dental voucher within the Promotion Period;
   b. Present their Flip Dental email purchase confirmation at an HCF Eyecare centre within 6 months of purchasing the Flip Dental voucher;
   c. Have had a bulk billed eye test at an HCF Eyecare centre within 6 months of purchasing the Flip Dental voucher or be an existing HCF Eyecare customer with a current glasses prescription (HCF Eyecare centre are in Sydney at the following locations - https://www.hcf.com.au/locations/hcf-centres/hcf-eyecare-centre);
   d. Reside in New South Wales; and
   e. Be at least 18 years old.
4. All individuals who qualify for this Promotion will receive $100 off the recommended retail price of any glasses or sunglasses sold by HCF Eyecare.
5. The $100 HCF Eyecare discount remains valid for 6 months after purchasing the Flip Dental voucher. It can be claimed at any time during that period by meeting the eligibility requirements in clause 3 above and presenting the Flip Dental email purchase confirmation to an HCF Eyecare centre. After 6 months, the HCF Eyecare discount will be forfeit.
6. If a bulk billed eye test is needed to qualify, that requires an appointment at an HCF Eyecare centre. While those are normally available within a few days, you should book early to ensure it is provided within 6 months of purchasing the Flip Dental voucher.
7. The $100 HCF Eyecare discount cannot be used in conjunction with other offers. No refunds or credits are made if the discount is not used, or if it is used to purchase glasses or sunglasses that cost less than $100.
8. For any query relating to the Promotion, please contact Flip at help@getflip.com.au or on 03 6161 3547.

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.