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2021 QBE Motor Vehicle Insurance and Unity Bank Car Loan Promotion Terms & Conditions

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ABN 11 087 650 315 AFSL/Australian Credit Licence 240399

  1. Promotion:  The Promotion is the “2021 QBE Motor Vehicle Insurance and Unity Bank Car Loan Promotion”. Participation in the Promotion is deemed acceptance of these Terms and Conditions of eligibility.
  2. Promoter:  The Promoter is Unity Bank Limited, Level 7 215 Clarence St Sydney NSW. Phone: 1300 36 2000. Reliance Bank and Bankstown City Unity Bank (BCUB) are divisions of Unity Bank Limited.
    QBE insurance policies are issued by QBE Insurance (Australia) Limited. ABN 78 003 191 035, AFS Licence 239545.
  3. Eligibility:  Entry into this Promotion is only open to an individual who is (“Eligible Entrant”):
    - aged 18 years or older at the time of entry.
  4. Entry: The Promotion commences at 9:00am AEST on 01/06/2021 and entries close at 7:00pm AEST on 31/08/2021 (“Promotion Period”). 

$200 Visa Eftpos Gift Card Promotion

  1. To receive a $200 Visa Eftpos Gift Card, the Eligible Entrant must purchase a new, QBE Comprehensive Motor Vehicle Insurance policy through Unity Bank, Reliance Bank or Bankstown City Unity Bank during the Promotion Period.

Eligible QBE Policy

  1. The Eligible QBE policy for this promotion is a new, Comprehensive Motor Vehicle Insurance policy.  
  2. This Promotion does not apply to the renewal of any current QBE policies.
  3. The purchase and payment of a new Eligible QBE Insurance policy is deemed to occur when the Member agrees to become bound by the terms of the relevant Eligible QBE policy, the Member pays for the Eligible QBE Policy during the Promotion Period, and the Eligible QBE policy remains active after a 21-day cooling off period.
  4. An agreement by a policyholder to enter a periodic instalment plan for an Eligible QBE Policy is deemed to be payment of that product.
  5. The determination of valid participation is at the sole and exclusive discretion of the Promoter.

$100 Visa Eftpos Gift Card Promotion

  1. To receive a $100 Visa Eftpos Gift Card, the Eligible Entrant must take out an Eligible Car Loan with Unity Bank, Reliance Ban or Bankstown City Unity Bank during the Promotion Period.

Eligible Car Loan Products

  1. An Eligible Car Loan from Unity Bank, Reliance Bank, BCUB for this Promotion is (excluding all packaged Car Loans):
    a.  Car Loan Variable Age of vehicle up to 3 years;
    b.  Car Loan Fixed Age of vehicle up to 3 years;
    c.  Car Loan Variable Greater than 3 years, up to 7 years;
    d.  Car Loan Fixed Greater than 3 years, up to 7 years.
  2. Minimum loan amount is $10,000 with a minimum loan term of one (1) year.
  3. Car Loan terms, conditions, fees, interest, charges and lending criteria apply and are available at the time of application.


  1. Entry into each Promotion is automatic. If an entrant wishes to be excluded from the Promotion then the entrant must contact the Promoter.
  2. Limit of one entry per person with a maximum of one (1) $200 Visa Eftpos Gift Card per Eligible QBE Insurance Policy and one (1) $100 Visa Eftpos Gift Card per Eligible Car Loan. In the case of a joint insurance policy or joint loan, the entry will be in the name of the first-named policy holder or borrower.
  3. The $200 Visa Eftpos Gift Card and/or the $100 Visa Eftpos Gift Card will be mailed to the Eligible Entrant’s nominated postal address within 4 weeks of the 21 day cooling off period or after the approved car loan has been funded.
  4. The Promoter’s decision is final and no correspondence will be entered into.
  5. Gift cards are not transferable, exchangeable, or redeemable for cash.
  6. Any element of any gift card that is unused or the winner is unable to accept for any reason will be forfeited and no compensation will be paid in lieu of that element, whether a part of the whole, of the voucher.
  7. The Promoter is not responsible for any variation in the value of the voucher between the commencement of the Promotion Period and the date of redemption.
  8. The Promoter accepts no responsibility for any lost or misdirected mail.
  9. The Promoter collects Members’ personal information in order to conduct the Promotion and provide its services. It is a condition of this Promotion that this information is provided. By entering the Promotion, the Member agrees that the Promoter may use this information in any media for future promotional, marketing or publicity purposes without any further reference, payment or other compensation to the Member. For more information about how the Promoter may use Members’ personal information, please refer to the Promoter’s Privacy Policy, which is available at:
  10. The Promoter reserves the right to cancel the Promotion if it is of the opinion that the Promotion has been interfered with or is not capable of being conducted due to any reason outside of the Promoter’s reasonable control and will not be liable for any loss or damage whatsoever which is suffered or sustained as a result.
  11. Any dispute regarding the Promotion is to be determined by the Promoter at its sole and exclusive discretion.