Qantas Business Rewards Terms and Conditions

Effective 1 October 2019

  1. Introduction
    1. These Terms and Conditions:
      • apply to and govern the contractual relationship between the Program Partner and each Member with respect to the Reward Scheme made available by the Program Partner as a participant in the Qantas Business Rewards Program;
      • are effective as at the date specified above and may be amended from time to time; and
      • operate in conjunction with the Qantas Business Rewards Program Terms and Conditions
        (available at qantasbusinessrewards.com) and in the event of any inconsistency or conflict the Qantas Business
        Rewards Program Terms and Conditions prevail.
    2. The current Reward Scheme Terms and Conditions are available at www.bizcover.com.au. It is the Member’s
      responsibility to read and understand them. Any queries regarding these Terms and Conditions should be
      directed to the Program Partner.
  2. Definitions
    1. Unless the context otherwise requires:
      • terms used in the Qantas Business Rewards Program Terms and Conditions and the QFF Program Terms
        have the same meaning in these Terms and Conditions; and
      • the following terms have these meanings in these Terms and Conditions.

      Eligible Products means new business insurance policies, each having a unique insurance policy number,
      purchased directly through the Program Partner

      Program Partner means BizCover Pty Limited (ABN  68 127 707 975 ; AFSL 501769);

      Reward Scheme means, for the purposes of these Terms and Conditions, the BizCover Qantas Business Rewards program which is operated by the Program Partner.

      Terms and Conditions means these Reward Scheme Terms and Conditions which are administered by the Program Partner.

    2. In these Terms and Conditions, unless the contrary intention appears:
      • the singular includes the plural and vice versa; and
      • a reference to ‘include’ or ‘including’ means ‘including but not limited to.
  3. Application of Reward Scheme Terms and ConditionsBy claiming any Qantas Business Rewards Benefit under the Reward Scheme, a Member agrees to be bound by these Terms and Conditions in addition to the Qantas Business Rewards Program Terms and Conditions.
  4. Changes to Reward Scheme
    1. Subject to clause 4.2 and the Reward Scheme Terms and Conditions, the Program Partner may implement any changes (whether material or otherwise) to these Terms and Conditions and the Qantas Points offered in relation to Eligible Products, including changes to:
      • the ways in which Qantas Points are earned under the Reward Scheme;
      • Eligible Products; and
      • restrictions, conditions and eligibility to earn Qantas Points under the Reward Scheme.
    2. The Program Partner will inform Members of material changes to these Terms and Conditions and where such changes
      will reduce the number of Qantas Points offered to Members under the Reward Scheme, when possible, give Members
      at least 30 days’ notice.
    3. Without limiting clause 4.1 in any way, Members will be taken to have received the notice referred to in clause 4.2 if the Program Partner or Qantas Business Rewards Program notifies Members of the change by sending an email to the email address in the Membership Account.
  5. Termination or suspension of the Reward Scheme
    1. The Program Partner gives no undertaking as to the continuing availability of the Reward Scheme. The Program Partner may terminate or suspend the Reward Scheme at any time. and will give at least 60 days’ notice to Members of such termination or suspension, except if the Qantas Business Rewards Program ceases to operate, in which case the Reward Scheme will cease immediately.
      • Qantas is ceasing to operate an airline business and/or has gone into liquidation, receivership or other form of administration; and/or
      • the Program Partner ceases to operate its business and/or has one into liquidation, receivership or other form of administration,If the Program Partner terminates or suspends the Reward Scheme, subject to the Qantas Business Rewards Program Terms and Conditions, Members will be able to transfer Qantas Points during the notice period, except where:in which case Qantas Points in Qantas Business Rewards may be cancelled without notice
  6. Earning Qantas Business Rewards Benefits
    1. Subject to the exclusions, limitations and other conditions specified in this clause 5, the Program Partner will award Qantas Business Rewards Benefits to Members at the applicable rate specified in the Program Partner Earn Table, or in any special offer, for Eligible Products paid for by the Member for the Member’s business related purposes.
    2. No Qantas Business Rewards Benefits will be awarded if the Eligible Product is cancelled, refunded or returned within 90 days of purchase.
    3. Notwithstanding clause 6.2, in the event an Eligible Product is cancelled and replaced within 90 days of initial purchase solely as a result of the Program Partner’s requirements, the affected Member will only be entitled to Qantas Business Rewards Benefits on the replacement Eligible Product at the applicable rate specified in the Program Partner Earn Table.
    4. Members are not entitled to claim Qantas Business Rewards Benefits under the Reward Scheme for:
      • renewing insurance policies
      • where a discount or promotion code has been applied in purchasing an Eligible Product
      • where they have been referred to the Program Partner by a third party
    5. To earn Qantas Business Rewards Benefits in relation to an Eligible Product, the Member must quote its ABN and at the time of purchasing an Eligible Product and must comply with any other requirements or procedures advised by the Program Partner prior to the purchase.
    6. It is the responsibility of the Member to check whether a product or other activity is eligible to earn Qantas Business Rewards Benefits, and if so how many Qantas Points or which other Qantas Business Rewards Benefits will be earned, before making a purchase or undertaking the relevant activity.
    7. Members must provide the Program Partner on request with documented verification of the purchase of an Eligible Product. The Program Partner reserves the right to deny or revoke the crediting of Qantas Points in Qantas Business Rewards at any time if the Program Partner determines that Qantas Points were improperly obtained or erroneously credited to a Member’s Membership Account.
    8. Members are not entitled to earn additional points if they make amendments to an Eligible Product post initial purchase.
    9. Unless otherwise determined by the Program Partner, Members are not eligible to earn Qantas Points in the Reward Scheme if they have their principal place of business outside Australia.
    10. The Program Partner may offer additional opportunities to earn Qantas Points in Qantas Business Rewards under a special promotion from time to time, in which case the terms and conditions referred to in the promotion will apply.
  7. Crediting Qantas Points in Qantas Business Rewards
    1. The Program Partner will endeavour to instruct Qantas Business Rewards to credit the applicable number of Qantas Points to the Membership Account within 100 days after the purchase of an Eligible Product. It is the responsibility of the Member to check that the correct number of Qantas Points has accumulated in the Membership Account.
    2. Claims for the crediting of Qantas Points in Qantas Business Rewards retrospectively must be made by the Member to the Program Partner within 90 days after the purchase of an Eligible Product. Unless otherwise specified by Qantas Business Rewards, claims for the crediting of Qantas Points cannot be made if the Membership is not current or if the Membership Account was not active at the time the Eligible Product was purchased.
  8. Suspension or termination of a Member or Qantas Points in Qantas Business Rewards
    1. The Program Partner reserves the right to terminate a Member’s participation in the Reward Scheme or withhold or cancel Qantas Points claimed under the Reward Scheme if a Member or any of the Member’s representatives has attempted to claim Qantas Points under the Reward Scheme to which they were not entitled.
    2. The Program Partner and Qantas Business Rewards will not be liable for any loss or damage whatsoever suffered by any person as a result of such withholding or cancellation and the Member is responsible for ensuring that its nominated Qantas Points Recipients are notified of this.
  9. Personal InformationAny personal information received by the Program Partner as a result of operation of the Reward Scheme will be subject to the Program Partner’s Privacy Policy.
  10. Taxation Implications
    1. The Program Partner recommends that Members and their nominated Qantas Points Recipients consult their accountant or tax adviser to ensure that they understand possible tax (including fringe benefits tax) implications, if any, related to their earning and use of Qantas Points under the Reward Scheme.
    2. Each Member acknowledges and agrees that the Program Partner and Qantas will not be responsible and shall not have any liability for, related to or arising out of any tax or fringe benefits tax or other tax arising from a Member’s participation in the Qantas Business Rewards Program or receipt of Qantas Business Rewards Benefits.
  11. IndemnityEach Member indemnifies the Program Partner against any claim or loss arising from the Member’s participation in the Qantas Business Rewards Program or receipt of Qantas Business Rewards Benefits, including but not limited to claims by third parties, fines, penalties, tax liabilities and costs.

BizCover Pty Limited; ACN 127 707 975; AFSL 501789

Program Partner
Eligible Products The following insurance policies – purchased directly through BizCover Pty Ltd and not via a referral partner, white label partner or third party:

  • Business Insurance
  • Public Liability Insurance
  • Professional Indemnity Insurance
  • Cyber Insurance
  • Management Liability Insurance
  • Personal Accident Insurance
Qantas Business Rewards $1 in premium = 1 Point
Benefit Earn Rate Up to a Maximum of 10,000 points

Short form disclaimer:

A business must be a Qantas Business Rewards Member to earn Qantas Points for their business. A one-off join fee of $89.50 including GST normally applies, however this will be waived for BizCover customers. Membership and Qantas Points are subject to Qantas Business Rewards Terms and Conditions.
Qantas Points for business are offered under the BizCover Terms and Conditions. Any claims in relation to Qantas Points under this offer must be made directly to BizCover. Qantas Points will be credited to the Members’ Business Rewards account within 100 days after purchase. During the period 1 October 2019 to 31 December 2019 (the “promotional period”) only, BizCover customers will earn 2 Qantas Points for every $1 spent on all new business insurance policies, up to a maximum of 10,000 points per policy. Following the promotional period, BizCover customers will earn 1 Qantas Point for every $1 spent on all new business insurance policies, up to a maximum of 10,000 points per policy.  A customer is only eligible to receive points if they have purchased directly through BizCover (not through a referral or white label partner) and they have not used any other discount or promotional code in making the purchase.