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Safer Journeys Monthly Competition 2025/2026 Promotion Terms & Conditions ("Conditions of Entry")

Schedule

Promotion

Safer Journeys Monthly Competition 2025/2026 Promotion.

Promoter

Insurance Australia Limited ABN 11 000 016 722, Tower 2, 201 Sussex Street, Sydney, NSW 2000, Australia. Ph: 02 9292 9222.

For any enquiries regarding this Promotion, please contact the Promoter via 02 9292 9222.

Promotional Period

Start time/date: 12:01 am AEDT on 01/11/25.

End time/date: 11:59 pm AEDT on 31/01/26.

Eligible entrants

Entry is only open to Australian residents who are 18 years of age or over and are NRMA Insurance Help Hub customers.

How to enter

To enter the Promotion, the entrant must complete the following steps during the Promotional Period:

a) Visit the NRMA Insurance App ‘Rewards’ tab and tap the ‘Safer Journeys’ offer to register for the competition (this only needs to be completed once to allow entry into multiple Monthly Draws)^; and

b) complete a minimum of one trip and achieve an overall average score of 85+ within the calendar month.

^ If the entrant is not already a Safer Journeys user, the entrant must follow the prompts to set up ‘Safer Journeys’ including allowing access to your phone’s Location Services and Motion & Fitness or Physical settings.

Entrants must remain set up in Safer Journeys with Location Services and Motion & Fitness or Physical settings enabled at the time of a draw to be eligible for a prize.

Entries permitted

Limit one (1) entry permitted per person per Monthly Draw. 

Winner determination

Entries open and close for each Monthly Draw on the times/dates specified below. All draws will take place at Plexus, Level 4, 411 Collins Street, Melbourne VIC 3000 using computerised random selection at 12:00pm AEDT on the dates specified below:

Entries open

  1. 12:01am AEDT on 01/11/25
  1. 12:00am AEDT on 01/12/25
  1. 12:00am AEDT on 01/01/26

Entries close

  1. 11:59pm AEDT on 30/11/25
  1. 11:59pm AEDT on 31/12/25
  1. 11:59pm AEDT on 31/01/26

Draw date

  1. 08/12/25
  1. 19/01/26
  1. 09/02/26
  • The first one hundred (100) valid entries drawn from each Monthly Draw will be the winners of the prizes specified below.
  • In the case of multiple prizes, prizes will be drawn in descending order of value.
  • The draw conductor may select additional reserve entries in case an invalid entry or entrant is drawn.
  • If a draw is scheduled on the weekend or a public holiday, the draw will be conducted at the same time and location on the following business day. The Promoter will ensure each draw is open for public scrutiny and anyone may witness the draw on request. The winner of a drawn prize is determined by chance.

Total prize pool

AU$30,750.00

Prize 1

  • Prize description: The prize is a $300 ACTIV Visa eGift Card
  • Number of this prize: 60 (20 per Monthly Draw)
  • Value (per prize): AU$300.00

Prize 2

  • Prize description: The prize is a $100 ACTIV Visa eGift Card
  • Number of this prize: 90 (30 per Monthly Draw)
  • Value (per prize): AU$100.00

Prize 3

  • Prize description: The prize is a $25 Kmart eGift Card
  • Number of this prize: 150 (50 per Monthly Draw)
  • Value (per prize): AU$25.00

Further prize details

Any ancillary costs associated with redeeming an eGift Card are not included. Any unused balance of an eGift Card will not be awarded as cash. Redemption of an eGift Card is subject to any terms and conditions of the issuer including those specified on the eGift Card.

ACTIV Visa eGift Card

The Activ™ eGift Card (‘Card’) is issued by Heritage and People’s Choice Limited trading as Heritage Bank ABN 11 087 651 125 (‘Heritage’) pursuant to a licence from Visa Worldwide PTE Ltd. Blackhawk Network Australia Pty. Ltd. ACN 123 251 703 (‘Blackhawk’) is Heritage’s program manager for the Card. For full T&Cs please see https://activgiftcard.com.au/terms/.

Kmart eGift Card

Kmart eGift Cards are not accepted at Kmart New Zealand, Kmart Photo Processing Centre, mycar or Kmart Online. For full terms of use visit https://www.giftcards.com.au/CMS/Page/giftcardtermsofuse.

Winner notification

The winners will be contacted via email and published at www.nrma.com.au/win within seven (7) days of the corresponding draw.

Unclaimed prizes

All prizes are automatically sent to the winners’ respective email addresses (linked to their NRMA Insurance Help Hub account) within seven (7) days of the corresponding draw. In the event of any invalid/incorrect email address(es), then the prize will be forfeited by the winner and the first reserve entrant drawn from the original draw will be deemed to be the winner of the relevant prize.

If there are no prize winner(s) or winner(s) for this Promotion cannot be found, this information will be published at www.nrma.com.au/win.

These Conditions of Entry (and Schedule) outline the agreement between the Promoter and entrants, and include terms that limit the Promoter’s liability for certain types of loss or damage and permit the Promoter to disclose your personal information to third parties (in accordance with the NRMA Insurance Privacy Policy). You will need to accept these Conditions of Entry (and Schedule) to continue to participate in the Promotion.

  1. The entrant agrees and acknowledges that they have read these Conditions of Entry (and the Schedule) and that entry into the Promotion is deemed to be acceptance of these Conditions of Entry (and the Schedule). Any capitalised terms used in these Conditions of Entry have the meaning given in the Schedule, unless stated otherwise.
  1. The Promotion commences on the Start Date and ends on the End Date ("Promotional Period"). Where applicable, entries are deemed to be received at the time of receipt by the Promoter and not at the time of transmission or deposit by the entrant. The Promoter has no control over telecommunications networks and accepts no responsibility for problems associated with them. The Promoter is not responsible for any delay in, or failure of, transmission in circumstances beyond the Promoter’s reasonable control which causes an entry not to be received during the Promotional Period. Records of the Promoter and its agencies are final and conclusive as to the time of receipt.
  1. Valid and eligible entries will be accepted during the Promotional Period.
  1. Employees of the agencies/companies directly associated with the conduct of this Promotion, the Promoter, businesses involved in determination of winner/s for the Promotion, businesses involved in the management of the Promotion, any organisation benefiting from the Promotion, the Promoter’s distributors, suppliers, subsidiary companies/businesses and associated companies and agencies are not eligible to enter.
  1. All reasonable attempts will be made to contact each winner via email.
  1. If any winner chooses not to take their prize (or is unable to), or does not take or claim a prize within the reasonable time specified in the Schedule above by the Promoter, they forfeit the prize and the Promoter is not obliged to offer a substitute prize.
  1. No part of a prize is exchangeable, redeemable for cash or any other prize or transferable, unless otherwise specified in writing by the Promoter.
  1.  If a prize (or portion of a prize) is unavailable the Promoter reserves the right to substitute the prize (or that portion of the prize) to a prize of equal or greater value and specification, subject to any written directions of a regulatory authority.
  1. No entry fee is charged by the Promoter to enter the Promotion. Where entry is allowed online, there is no additional cost to enter the Promotion other than any cost paid by the entrant to access the website or social media platform of entry via their Internet service provider.
  1. Each prize will be awarded to the person named in the entry and any entry that is made on behalf of an entrant or by a third party will be invalid. If there is a dispute as to the identity of an entrant or winner, the Promoter reserves the right (acting reasonably), to request proof of identity to determine the identity of the entrant or winner.
  1. Entrants' personal information will be collected by the Promoter. Personal information will be stored on the Promoter's database. the Promoter may use this information for future marketing purposes regarding its products, including contacting the entrant electronically. The Promoter is bound by the Australian Privacy Principles in accordance with the Privacy Act 1988 (Cth) and its privacy policy which is located at https://www.iag.com.au/privacy-and-security. The Promoter's privacy policy contains information about how the entrant may access, update and seek correction of the personal information the Promoter holds about them and how the entrant may complain about any potential breach by the Promoter of the Australian Privacy Principles or any other Australian privacy laws and how such complaints will be dealt with. The Promoter collects personal information about entrants to enable them to participate in this Promotion and may disclose the entrants' personal information to third parties including its contractors and agents, prize suppliers, service providers and regulatory authorities to assist in conducting this Promotion. This may include disclosures to organisations outside Australia including in places such as the Philippines. If the entrant does not provide their personal information as requested, they may be ineligible to enter or claim a prize in the Promotion.
  1. The Promoter reserves the right to refuse to allow a winner to take part in any or all aspects of a prize, if the Promoter determines (acting reasonably), that a winner is not in the physical or mental condition necessary to be able to safely participate in or accept the prize. It is a condition of accepting the prize that a winner may be required to sign a legal release as determined by the Promoter in its discretion (acting reasonably), prior to receiving a prize.
  1. For the purposes of public statements and advertisements, the Promoter may only publish the winner's surname, initial and postcode of residence.
  1. If a prize is provided to the Promoter by a third party, the prize is subject to the terms and conditions of the third party prize supplier. The terms and conditions which apply to the prize at the time it is issued to the winner will prevail over these Conditions of Entry, to the extent of any inconsistency.
  1. The Promoter (subject to State and Territory legislation) reserves the right to amend, extend cancel or suspend the Promotion and invalidate any affected entries, or suspend or modify a prize, in circumstances where an event beyond the reasonable control of the Promoter corrupts or affects the administration, security, fairness, integrity or product conduct of the Promotion.
  1. The Promoter reserves the right, at any time, to validate and check the authenticity of entries and entrant's details (including an entrant's identity, age and place of residence). If a winner cannot provide suitable proof as required by the Promoter (acting reasonably) to validate their entry, the winner will forfeit the prize in whole and no substitute will be offered. Incomplete, indecipherable, inaudible, incorrect and illegible entries, as applicable, will at the Promoter's discretion (acting reasonably) be deemed invalid and not eligible to win. Entries containing offensive or defamatory comments, or which breach any law or infringe any third party rights, including intellectual property rights, are not eligible to win. The use of any automated entry software or any other mechanical or electronic means that allows an individual to automatically enter repeatedly is prohibited and may render all entries submitted by that individual invalid.
  1. The Promoter reserves the right to disqualify entries in the event of non-compliance with these Conditions of Entry. If there is a dispute concerning the conduct of the Promotion or claiming a prize, the Promoter will (acting reasonably) attempt to resolve the dispute in direct consultation with the entrant. If the dispute cannot be resolved, the Promoter’s decision will be final.
  1. The winners agree and consent to participate in and co-operate as required with all reasonable marketing and editorial activities relating to the Promotion, including (but not limited to) being recorded, photographed, filmed or interviewed. The winners acknowledge and agree that the Promoter may use any such marketing and editorial material without further reference or compensation to them.
  1. EXCEPT FOR ANY LIABILITY THAT CANNOT BE EXCLUDED BY LAW (IN WHICH CASE THAT LIABILITY IS LIMITED TO THE MINIMUM ALLOWABLE BY LAW), AND SUBJECT TO THE CLAUSE PERTAINING TO guarantees and warranties BELOW, THE PROMOTER’S LIABILITY FOR ANY LOSS, DAMAGE, EXPENSE, PERSONAL INJURY OR DEATH IS LIMITED TO THE TOTAL VALUE OF THE PRIZE POOL FOR THIS PROMOTION.  FOR THE SAKE OF CLARITY, THIS LIMIT TO THE PROMOTER’S LIABILITY SHALL NOT APPLY TO ANY PERSONAL INJURY OR DEATH RESULTING FROM THE PROMOTER’S GROSS NEGLIGENCE.
  1. TO THE EXTENT PERMITTED BY LAW, THE PROMOTER (INCLUDING ITS RELATED BODIES CORPORATE, OFFICERS, EMPLOYEES AND AGENTS) EXCLUDES ALL LIABILITY (INCLUDING NEGLIGENCE), FOR ANY INDIRECT OR CONSEQUENTIAL LOSS OR DAMAGE, INCLUDING LOSS OF OPPORTUNITY.
  1. Any guarantee or warranty given is in addition to any relevant statutory guarantees and warranties and nothing in these Conditions of Entry restrict, exclude or modify or purport to restrict, exclude or modify any statutory consumer rights under any applicable law, including the Competition and Consumer Act 2010 (Cth).
  1. The Promoter accepts no responsibility for any tax implications and the entrant must seek their own independent financial advice in regards to the tax implications relating to the prize or acceptance of the prize.
  1. Failure by the Promoter to enforce any of its rights at any stage does not constitute a waiver of these rights.
  1. Authorised under: ACT Permit No. TP 25/02533, NSW Authority No. TP/00260 and SA Permit No. T25/1902.