Select NZ
Same day return
Age 18
Select excess $200
Select the 10,000 rewards points bonus.
Pay $26 and get $50.
Free $24.
If you can get it cheaper than $26 leave a comment.
Buy 1-Day New Zealand Basic Travel Insurance for 18-YO for $26, Get 10,000 Rewards Points Worth $50 @ Everyday Travel Insurance
2560
happydude on 22/01/2024 - 20:41 insurance.everyday.com.au (7448 clicks)
Last edited 22/01/2024 - 21:16 by 1 other user
Last edited 22/01/2024 - 21:16 by 1 other user
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that 101010 bloke seems a bit whacky
Unrelated to the actual point of the deal in getting money, but has any actually claimed using EDR / (nib) insurance? Got an upcoming trip and $50 off the actual policy may not be too bad either way…
Nice to feel 18 again for about 30 seconds.
It's been 5 minutes and I haven't received any points and the sinking feeling I won't get points is setting in.
Alright lets hope Woolworths don't pull some sort of BS out of their ass (eg. Ask for you to provide flight related proof to validate that you're actually going to NZ lol).
I'm sure someone is going to take notice of a massive influx of insurance policies for NZ lolI used my real details (DOB, address etc), cost me $34 but I suppose there's a better chance in this being honoured if you use your real details, especially if they ask for some sort of proof.
i have enough qantas/virgin etickets, my $7 annual adobe subscription and a font pack to make my pdf edits look legit
Haha can I borrow one of yours so I can change the details over if need be? (If they ask for flight details)
Hey mate, how did you get the Adobe for $7 annual. I can't find anything cheaper than $11/month
Probably this deal to get $7 adobe creative which has expired. https://www.ozbargain.com.au/node/783297
I'd be careful. Insurance fraud isn't something you want on your record. Those big corporations play a serious game.
How is it insurance fraud? No one is making a false claim on the Travel Insurance policy (If anyone does, that's on them).
At worst, this is signup promotion fraud.
[I didn't neg you btw]
What are the types of insurance fraud?
Insurance fraud generally falls into a few categories: non-disclosure, exaggeration and deliberate;- Non-disclosure can be both deliberate and inadvertent. Fraudulent non-disclosure basically means that you haven’t revealed information to an insurer that might affect their decision to insure you or to pay out a claim. For example, when applying for car insurance, you may neglect to mention a conviction for drink-driving or you may tell your insurer that your car is always parked in a secure garage overnight when, in fact, it’s typically parked on the street. It’s important to note that even unintentional non-disclosure is still fraudulent.
- Deliberate fraud is premeditated and calculated in an effort to defraud an insurance company. That is, someone planned to commit fraud to make money. Common types of deliberate fraud include setting fire to property or faking a theft in order to receive an insurance payout.
- Exaggeration is pretty straightforward and is mainly limited to when a person makes a claim — it involves exaggerating the amount of damage or the cost of the loss in order to increase the payout of a claim.
As you can see from the various types, insurance fraud isn’t limited to criminals. Even well-behaved people can often be tempted to leave out important information or inflate the value of a claim for their own personal gain, and it can also be the case that a person doesn’t realise they are committing a crime by exaggerating the facts or failing to disclose important information
Source?
@jackspratt: The internet.
And it is very wrong. Nondisclosure allows the insurer to void or reduce a claim. It does not constitute insurance fraud automatically.
And a basic element of fraud is intent. You cannot accidently defraud someone.
@happydude: The intent in this deal is to use a fake age to buy insurance for lower cost.
Same principal applies to car insurance when you lie about previous claims to get a lower premium.
Fraud: wrongful or criminal deception intended to result in financial or personal gain.
When you agree to t&c, you declared all information is true. This is also fraud.
As an issurer, it is their best interest to black list or flag people for fraud. My best guess is woolworths will cross reference the information in the everyday rewards account to information provided with this application, then flag the names and other personal information. When you make a claim through them or their insurer or partners, the name will come up and they have a valid legal excuse to reject or reduce the claim.
Possible scenarios
They can blacklist you so when you apply for an isurance product through them or partners, you will automatically get rejected with a message "please contact customer service. Similiar to JB hifi when they ban you for using multiple $10 reward vouchers
Insure you, take your premiums, then reject your claims based on dishonesty
Close your everyday rewards account
I have a mate that works for woolworths insurance. Ill ask him about this deal and what woolworths has done with all the fake applications when i see him at the gym.
From product disclosure statement :
Your Duty to Us
Under the Insurance Contracts Act 1984 (Cth), you have a duty to take reasonable care not to make a misrepresentation to us when answering questions that we will ask you and providing us with information. Before you enter into, vary or extend an insurance contract, we will ask you questions that
are relevant to our decision to insure you and on what terms.You must take reasonable care not to make a misrepresentation to us when answering those questions. For example,** it is important that you answer these questions fully and accurately, to the best of your knowledge.**
If you do not take reasonable care not to make a misrepresentation to us, we may cancel your contract, or deny or reduce the amount we will pay you for aclaim, in accordance with our rights at law.
If you make a misrepresentation to us which is fraudulent, we can:treat your contract as if it never existed (i.e. avoid the contract), unless we
would have entered into the contract for the same premium and on the same terms anyway; orif we are not entitled to avoid the contract or we decide not to avoid the contract, we can reduce the amount that we pay you for a claim so that
we are put in the position we would have been in if you had not breached your duty to us, in accordance with our rights at law.
All of which involve claiming on the policy. Non-disclosure is a non-issue for insurers if there is never a claim. I doubt that anybody as ever been prosecuted for insurance fraud by an insurer for non-disclosure on a policy that never had a claim. They will happily take the money, issue the policy and keep the money once the policy expires.
To have committed insurance fraud it is up to the insurer to prove that you have commited it. Without a claim being raised on the policy, there's no reason for an insurer to investigate the policy holder.
Additionally, they'd have to prove who the individual was that raised the policy with the non-disclosure and prosecute them. For $50 of "reward points" it simply isn't worth their time and effort.
At best, they could cancel the policy (which is their right in the T&C's) which would mean a refund of the amounts paid back to the policy owners credit card. They would have no justification for keeping the money on a policy they elected to cancel, even if they thought it was non-genuine.
While I can understand that some will see this as dishonest, I think the risk of being prosecuted for insurance fraud is overstated as it really makes no business sense to do this as doesn't involve claiming.
All the requirements of the promo are met with simply a payment, a policy being raised (in any name) and Everyday Rewards account being linked. Once the policy is issued and expires, they'll have no other choice than to pay the 50k points as all the requirements for the promo have been met. At this point, this will then be done and dusted.
@BarginBandit: Thats a good point but I think he is considering the paper trail that you leave.
IE It's not about any kind of claim this time, but insurance companies will use anything and everything they can find to discredit a future larger claim. If they can dig up evidence of you using false data with insurance, they may use it.
It might well come and bite you on the bum later.@King Tightarse: Meh….If my house burned down and I put in a claim on a valid policy are you seriously trying to say that if the insurance company wanted to weasel out of paying me, that their go to plan would be to do a comprehensive data trawl and find that I had one travel insurance policy with an entirely different insurer, for non-related insurance product, that showed an incorrect date of birth, which was paid for and never claimed on….and for that reason they would use that to decline paying me?
Sorry…that doesn't pass the sniff test. If they suspected me of starting the fire then surely their efforts to gather evidence about that would be better suited to decline the policy than digging up a $27 travel insurance policy with the wrong date of birth on it as some kind of loophole which means that they don't need to pay on the home insurance policy.
The only reasonable way that I could forsee this biting my bum later is if I really do need travel insurance from Everyday Travel Insurance at another point in time and they decline to insure me due to my other policy with an incorrect date of birth on it. I highly doubt this would even happen but if it did it's not really a big deal.
Meh….If my house burned down and I put in a claim on a valid policy are you seriously trying to say that if the insurance company wanted to weasel out of paying me, that their go to plan would be to do a comprehensive data trawl and find that I had one travel insurance policy with an entirely different insurer, for non-related insurance product, that showed an incorrect date of birth, which was paid for and never claimed on….and for that reason they would use that to decline paying me?
If you took it to Financial Ombudsman or Small claims court, they will look for anything to discredit you infront of a magistrate if your claim is suss or doesnt make sense. They only have to prove that you are dishonest (and claiming your 18 when your not, then signimg t&c that all information you supplied is accurate and correct is enough to prove that). The the argument becomes in their favor, "you were dishonest to claim a financial benefit from woolworths".
All this for $24 worth of EDR points.
For example, when i had a case against amazon, they tried to use my excessive returns or refunds against me (to discredit me) so they can deny my case against them. Luckily i supply proof and picture with every claim to amazon customer service email.
@easternculture: What you are suggesting is a fantasy.
If I had a valid policy and a valid claim in the future it would be settled. If for whatever reason the insurance company didn't want to accept my claim, they'd have to have good reason for doing so. Having a wrong date of birth on a travel insurance policy from some past future date is not a good reason.
There has to be a good reason for it to escalate to court. If that was the only reason, they would lose and it would cost a lot more. It's a poor tactic to discredit if the policy holder is in the right.
Your Amazon example is a totally different scenario. You've had many interactions with the same company and they've built up a customer profile/history based off that. This is not the case with Everyday Travel.
You are lying about your age when opening the policy which is kinda fraud and it's easy to detect. It's better to put in ur real dob, but that lowers the value out of the deal.
At least a few people here have common sense. Fraud isn't just 'not claiming' as some have mentioned.
If you use your real details you could argue you decided not to go.
Making up details for this is no different to making up your details for any other insurance policy.My son is 18 and mentioned he wanted to go to NZ. I bought him travel insurance to cover the day he travels. I can't force him onto the plane
its not fraud unless you claim,
you could have 100 insurance policies if you really wanted.See above. Non disclosure is considered insurance fraud = not disclosing your real age is fraud
Yes. I'm sure the driver who rear ended me. But said I pulled into her lane
Still has comprehensive car insurance and didn't get any penalties
This offer has been going for a while - now you've posted it here encouraging tens of thousands of people to put in false details it'll probably shut it down.
This is the Ozbargain Way <tm>
The policy confirmation email (& pdf) does not show the 10k rewards points. Am I missing it or it is common for everyone ?
It's displayed below "select a cover option"
On this screen you should have the choice of:
- 10k points
- 10% off the insurance quote (roughly equiv to 10k points if you take out frequent traveller insurance)
- I don't want an offer at this pointScreen has but no mention of 10k points after completing purchase.
I'm taking a backseat on this one with some popcorn, but appreciate the effort OP
I tried to take out a policy.
Selected the reward option only, somehow the webpage broke and allowed me to contine without selecting a policy type. Price displayed at $0.00.
Entered card details to checkout and got billed $157.
Payment screen says failed, no policy number, no emails, just took my money.There’s a cooling off period so cancel and get your money back.
My quote for an 18 year old going to NZ for one day, with $200 excess, is coming up as $27 for some reason… $23 profit, still worth it?
Me too: I reckon they've hiked the premiums for 18yo going to NZ due to spike in demand = higher risk.
Let's see if we can push the premium to close to $50 and kill the deal. How many more 18yo do we need.
It's now $29
how many policies can you claim per account?
Lol this is a toxic site for business. Doesn't matter if its big or small, OzB will kill it.
Why is it a toxic site? Business extract money from customers as profit. How is it any different to customers extracting as much as they can from a business?
Not really, we literally help spot the flaws and if they’re smart they’ll close the gap next time.
Informed consumers hasten the process of creative destruction, which is ultimately good for business.
So many 18 year olds going to NZ lately….. I wonder why
I heard Josh Giddey plans to visit NZ soon
Anyone received the points yet?
It clearly states 30 days plus multiple comments state 30 days, perhaps you need to wait?
It clearly states within 30 days of travel insurance policy start date. Most people bought it for travel for end of this month/early next month so should be receiving about now.
"Your Everyday Rewards points will be loaded onto your Everyday Rewards card once your policy has been paid in full and within 30 business days from the start date noted on your policy."
within 30 days from the start date, i.e. if the policy start date is 1 February, it should be credited by 14 March
Appreciate the post OP, always a joy seeing the comments.
Good post OP. Strangely enough, I do need travel insurance for an upcoming trip so it might be worth going legit and just pocketing the $50
No differences from real or not
No verification doneIf you were a top executive at woolworths travel insurance, and note that 1000 18yo have taken travel insurance overnight to NZ for 1 day and the web trail leads back to ozbargain, you reckon you would just sit on it or do something?
Got a bad feeling quite a few people won’t be getting their points and this offer being revoked…
Got the points.
Rewards app is down =P
Everyone keeps refreshing the app to see if they’ve received the points, lol 😂.
Or banned…
I think the points appears after 30 days
Is this targeted? I don’t see any offer
Edit: Found it. This appears just before payment
Should this be hidden until someone gets the points, i.e. a month later in case Rewards ppl see it and bulk dishonoring the promo??
Then can trace the web traffic back here.
Is there not another party you need to go an ruin?
Must own WOW shares and thinks this will somehow adversely affect it 😂
@patso: Looks good on the books for share holders and executives, increase in sales = increase premium
But OP is defending his post and wont accept any discussion about potential future complications this will cause for many members, even though product disclosure document clearly indicates this is a fraudulent transaction i.e. lying about age
It says $34 for me
FYI for genuine users of Woolies Travel Insurance and this Promo.
Travelling Vietnam for 10 days in August as a 30 year old.
I don't think that the mid range cover is as good as the mid range World2Cover insurance, and the price is much the same once taking into account Woolies Promo and the regular 20-25% off codes for World2Cover (currently 20% off WW20ENTB)This is a seriously good hack! although I actually needed travel insurance so just bought a legit policy (cheaper than others i looked at and the points are a good bonus) but for anyone not actually travelling, i would definitly try the hack out
Legendary
On the same account?
Yes.
Interesting you can do it for multiple policies on the same rewards.
So no 30 day wait even!?
Apparently not. I was expecting it to take much longer.
Looks like they changed the conditions to crack down on multiple policies. Now it says
“Your selected personalised offer only applies to the first policy period unless otherwise specified”
ooft so good, once i get my first 10k ill get another 10k
Have they reduced it to 5000 everyday rewards points now?
Mine showing as 10k
Mine is showing as 5k or 10% off policy
Weird mine is showing as 5000 at the bottom where you select offer or 5% discount on my policy
different accounts have different prizes
Showing up at 5k points now. No deal
Still 10k on my account
5k for me as well
I think this is now expired, it comes up with only 5000 rewards points as a bonus?
Nope. 10,000 points still available.
Anybody got 10k?
That guy applied to promo before it went viral on ozbargain.
Never received my points, anyone else in the same boat?
Same here.
Points are not instant. Says its within 30 days.
I did not get any points either.
Good post OP, I'm tempted, but don't think it's worth risking my Everyday Rewards accounts getting suspended/cancelled.