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  1. Police & Nurses Limited (P&N Bank) is running a promotion called the CGU Motor Insurance campaign (Promotion) in which eligible customers will receive one (1) $150 cashback payment to a P&N Bank transactional account (Cashback) when those customers purchase a new Comprehensive CGU Motor Insurance policy (Eligible Policy) through P&N Bank. The Cashback is issued by P&N Bank.
  2. The Promoter is Police & Nurses Limited, ABN 69 087 651 876 AFSL/Australian Credit Licence 240701, Level 6, 556 Wellington Street, Perth WA 6000, telephone 13 25 77. The insurance policies forming part of this Promotion are issued by Insurance Australia Limited ABN 11 000 016 722 trading as CGU Insurance (CGU Insurance). CGU Insurance is not the promoter of this Promotion, and any queries should be directed to P&N Bank.
  3. The insurance policies forming part of this promotion are issued by Insurance Australia Limited ABN 11 000 016 722 trading as CGU Insurance (CGU Insurance), Australian Financial Services Licence 227681. CGU Insurance is not the promoter of this promotion, and any queries about the promotion should be directed to P&N Bank.
  4. The Promotion period starts at 8:00am (AWST), 18 November 2023 and ends at 6:00pm (AWST), 10 February 2024 (Promotion Period).
  5. To be eligible to receive the Cashback you must:

a) during the Promotion Period:

i. be a resident of Western Australia;

ii. be 18 years or older;

iii. apply through P&N Bank for an Eligible CGU Building and Contents Insurance Policy;

iv. be accepted by CGU Insurance as the insured on the Eligible Policy;

v. pay either in full or at least one instalment for the Eligible Policy obtained through P&N Bank; and provide P&N Bank a current email address; and

vi. the primary policy holder must have an active P&N Bank transactional account at the time of cashback payment.

b) not cancel the Eligible Policy for a period of at least 6 weeks (42 days) following the date the relevant insurance cover takes effect, being the policy start date (Six Week Period).

  1. If you satisfy the Eligibility Criteria you will receive a Cashback.
  2. You are ineligible for a Cashback if:

i. you only renew an Eligible Policy instead of purchasing a new one;

ii. you cancel an Eligible Policy during the Six Week Period;

iii. you have already received a cashback payment from this promotion;

iv. you do not pay by their due date any instalments which fall due during the Six Week Period

v. you do not provide P&N Bank a current email address; or

vi. you do not hold a P&N Bank transactional account or apply for a P&N Bank transactional account before the Six Week Period (42 days) expires, following the start date of an Eligible Policy.

  1. Each Cashback will be issued electronically to the account details you provide within 40 days of the Six Week Period.
  2. Eligible customers accept the Cashback ‘as is’ and acknowledge that P&N Bank accepts no liability or responsibility for any tax implications that may arise from or in respect of the Cashback. Eligible customers may need to seek advice from the Australian Tax Office or their own taxation adviser or independent financial advisor as to any tax implications that may arise from receipt of the Cashback.
  3. The Promotion is promoting the Eligible Policies issued by CGU Insurance as promoted at our P&N Bank locations. This Promotion is in no way sponsored, endorsed or administered by any media platform used to share any information connected to this Promotion. By applying for insurance coverage under an Eligible Policy you agree to completely release each of these other organisations from any claims arising out of this Promotion.
  4. The Promotion is based on common sense and fairness. To elaborate on the details the following applies:

i. who is eligible for a Cashback is determined solely by P&N Bank;

ii. who is eligible for insurance coverage under an Eligible Policy is determined solely by CGU Insurance;

iii. the Cashback is an electronic payment that cannot be exchanged, and no compensation is given as an alternative to the Cashback; and

iv. the Promoter will not be liable for any loss or damage whatsoever suffered (including but not limited to indirect or consequential loss) or for any personal injury suffered or sustained in connection with redeeming the Cashback, except for any liability which cannot be excluded by law.

  1. This Promotional offer cannot be used in conjunction with any other insurance offers available through P&N Bank. Privacy matters to us and we collect information in accordance with our privacy policy. We will collect your personal information during this Promotion in order to conduct the Promotion and provide the Cashback. It is a condition of our Promotion that this information is provided. By entering the Promotion, you agree that we may use this information in any media for future promotional, marketing or publicity purposes without any further reference, payment or other compensation to you. P&N Bank Privacy Policy is available at pnbank.com.au.
  2. Police & Nurses Limited ABN 69 087 651 876 AFSL 240701 acts under its own AFSL and under an agreement with the issuer Insurance Australia Limited trading as CGU Insurance ABN 11 000 016 722, AFSL 227681. Any advice provided is general advice only and does not take into account your individual objectives, financial situation or needs (“your personal circumstances”). Before using this advice to decide whether to purchase a product, you should consider your personal circumstances and the relevant Product Disclosure Statement and Target Market Determinations, available on our website: www.pnbank.com.au/insurance.