Terms and Conditions

  • COST LESS INSURANCE provides this website (Website) to assist you to select your provider (the Service). By using the Website you acknowledge and agree to these conditions of use (Conditions of Use).
  • 1.1 Amendment
  • COST LESS INSURANCE may at any time and at COST LESS INSURANCE's absolute discretion vary these Conditions of Use.
  • 1.2 Use of Website
  • 1.2.1 The Website and the COST LESS INSURANCE comparison service is made available only for personal or non-commercial use in obtaining information directly related to the services or products offered on the Website.

    1.2.2 You may not, whether through the use of additional software or by any other means, data mine or conduct automated searches on the Website or the data contained in it.
  • 1.3Use of Your Information
  • You acknowledge and agree that COST LESS INSURANCE may use your personal information in accordance with the COST LESS INSURANCE Privacy Policy.
  • 1.4Limitation of Liability
  • 1.4.1 Our participating providers supply some of the information available on the Website (Website Information) and therefore there may be inaccuracies in the Website Information over which COST LESS INSURANCE has no control.
    1.4.2 COST LESS INSURANCE does not warrant or guarantee the; timeliness, accuracy or completeness of the Website Information; quality of the results obtained from the use of the Website.
    1.4.3 To the maximum extent permitted by law, COST LESS INSURANCE has no liability in relation to or arising out of the Website Information and Website recommendations. You are responsible for the final choice of your product and you should take time to read through all information supplied before proceeding. If you are in any doubt regarding a product or its terms you should seek further advice from COST LESS INSURANCE or the relevant participating provider before choosing your product.
    1.4.4 COST LESS INSURANCE may pass on your personal information to the relevant participating provider if you apply to purchase a product via COST LESS INSURANCE, however, COST LESS INSURANCE does not guarantee when or if you will actually acquire the product that you have chosen. COST LESS INSURANCE does not accept any liability arising out of circumstances where there is delay in you acquiring the product you have chosen.
    This is a specialised form of risk insurance designed for people who are self-employed or in a partnership. It provided for a regular payment to cover the costs of running the business should you be unable to work for a period due to sickness or injury.
  • 1.5 Disclosure of Commission
  • COST LESS INSURANCE receives payment of commissions from participating providers in order to provide the services provided by COST LESS INSURANCE on the Website (Service). You are not required to pay COST LESS INSURANCE for the Service.
  • 1.6 Pricing
  • All products are quoted in Australian dollars. The amounts quoted on the Website are subject to change and may also vary depending on the payment method chosen. Whilst COST LESS INSURANCE endeavours to keep all product details and premiums on the Website current, COST LESS INSURANCE does not guarantee the accuracy of pricing information on the Website.
  • 1.7 Statements of the Law
  • Statements made on the Website are not intended to be statements of the law. Statements regarding the industry regime relating to the relevant product are summaries only which may not be comprehensive or complete.
  • 1.8 Other information
  • 1.8.1 The Website contains statements regarding the terms of the products offered, including details of the benefits available and items not covered by the product. Such statements are generalised in an attempt to give you a summary of the types of products available through COST LESS INSURANCE. However, not all products are the same and you should confirm the exact terms of any product that you intend to purchase prior to proceeding.
    1.8.2 The product information supplied on the Website is available only to Australian residents.
    1.8.3 COST LESS INSURANCE is not a registered health benefits organisation.

Call Now

1800 681 268

  • Authorised Representative for Millennium 3 Financial Services P/L ABN 61 094 529 987 (AFS License No: 244252)

Contact Details

Head Office

  • Aquarious Technology PTY LTD Trading as Cost Less Insurance
  • Level 10, 379 Collins Street Victoria Melbourne 3000

Home Office

  • 4 Lexington Cres. OFFICER 3809

Financial Services Guide (FSG)

  • Download Link1 Download Link2
  • The information (including taxation) is general in nature and may not be relevant to your individual circumstances. You should refrain from doing anything in reliance on this information without first obtaining suitable professional advice. You should obtain and consider a Product Disclosure Statement (PDS) before making any decision to acquire a product.
    This is to advise that we are able to sell to Australian Residents only.
    * "This Website holds information for Australian citizens only."