<p><h5>QLD FAQs<h5>
<h4>What is the $75 Price Beat Guarantee Offer?</h4>
<p>Coles Insurance guarantees to beat your current price by at least $75 if you’re 50 & over in South East Queensland and you switch your comprehensive car insurance policy to Coles Car Insurance*</p>
<h4>What if I have questions about the Coles Insurance Offer or the insurance product?</h4>
<p>Call Coles Insurance on 1300 660 431. For information about the insurance product read the Coles Insurance Product Disclosure Statement available here: <a href="http://www.colesinsurance.com.au/~/media/Files/Insurance/Product-Disclosure-Statements/Coles-motor-PDS---300813.pdf">Product Disclosure Statement</a></p>
<p>You can also read the One Big Switch Financial services guide <a href="https://s3-ap-southeast-1.amazonaws.com/onebigswitch/misc/Coles_FSG_50UP_20140415.pdf">here</a>.</p>
<h4>Do you have to be a member to get the Coles Insurance offer?</h4>
<p>Only FiftyUp Club members aged 50 and over in SE Queensland can get the offer and it's only available for a limited time. But you can still join and see the offer at <a href="https://www.fiftyupclub.com">www.FiftyUpClub.com</a>.</p>
<h4>Will the FiftyUp Club offers be the right product for me?</h4>
<p>Not necessarily. Any advice provided is of a general nature only and does not take into consideration your objectives, financial situation or needs. Before acting on any advice you should consider its appropriateness. The relevant Product Disclosure Statement (PDS) can be found at <a href="http://www.colesinsurance.com.au/~/media/Files/Insurance/Product-Disclosure-Statements/Coles-motor-PDS---300813.pdf">Coles.com.au/insurance</a> and FSG <a href="https://s3-ap-southeast-1.amazonaws.com/onebigswitch/misc/Coles_FSG_50UP_20140415.pdf>available here</a>.
<p>You should obtain and consider this information before deciding whether to acquire any insurance products.</p>
<p>You should always shop around, and get the necessary advice before switching insurance. People who join the campaign can switch to a discounted offer, use the offer to shop around, or even negotiate with their current provider.</p>
<h4>What if I’ve paid my car insurance for the year already?</h4>
<p>You can typically switch at any time without waiting for your renewal to arrive, subject to the terms of your policy. You could be entitled to a refund. Check your policy regarding cancellation rights and any fees.</p>
<h4>Why is the special offer aimed at consumers 50 & over?</h4>
<p>The offer has been unlocked by the combined buying power of 20,000+ FiftyUp Club members, because drivers aged 50-64 are statistically the best car insurance customers^.</p>
<h4>Can I get the offer outside South East Queensland?</h4>
<p>The offer is only available in SE Qld, in the following postcodes: 4000, 4005, 4006, 4007, 4008, 4009, 4010, 4011, 4012, 4013, 4014, 4017, 4018, 4019, 4020, 4021, 4022, 4025, 4029, 4030, 4031, 4032, 4034, 4035, 4036, 4037, 4051, 4053, 4054, 4055, 4059, 4060, 4061, 4064, 4065, 4066, 4067, 4068, 4069, 4070, 4072, 4073, 4074, 4075, 4076, 4077, 4078, 4101, 4102, 4103, 4104, 4105, 4106, 4107, 4108, 4109, 4110, 4111, 4112, 4113, 4114, 4115, 4116, 4117, 4118, 4119, 4120, 4121, 4122, 4123, 4124, 4125, 4127, 4128, 4129, 4130, 4131, 4132, 4133, 4151, 4152, 4153, 4154, 4155, 4156, 4157, 4158, 4159, 4160, 4161, 4163, 4164, 4165, 4169, 4170, 4171, 4172, 4173, 4174, 4178, 4179, 4183, 4184, 4205, 4207, 4208, 4209, 4210, 4211, 4212, 4213, 4214, 4215, 4216, 4217, 4218, 4219, 4220, 4221, 4222, 4223, 4224, 4225, 4226, 4227, 4228, 4229, 4230, 4270, 4271, 4272, 4275, 4280, 4285, 4287, 4300, 4301, 4303, 4304, 4305, 4306, 4307, 4309, 4310, 4311, 4312, 4313, 4340, 4341, 4342, 4343, 4344, 4345, 4346, 4347, 4500, 4501, 4502, 4503, 4504, 4505, 4506, 4507, 4508, 4509, 4510, 4511, 4512, 4514, 4515, 4516, 4517, 4518, 4519, 4520, 4521, 4550, 4551, 4552, 4553, 4554, 4555, 4556, 4557, 4558, 4559, 4560, 4561, 4562, 4563, 4564, 4565, 4566, 4567, 4568, 4569, 4571, 4572, 4573, 4574, 4575.</p>
<h4>Can anyone over 50 in SE Qld who joins the Club get the offer?</h4>
<p>Not necessarily. Coles Insurance has its own acceptance criteria as to who it will insure based on your past claims (and so on).  It also doesn't insure some exotic cars.</p>
<h4>What is the FiftyUp Club?</h4>
<p>The FiftyUp Club campaigns to unlock discounts, special offers and unique products for Australia’s best customers – the over-50s. It started out of a belief that Australian consumers over the age of 50 deserve a better deal and is a joint initiative of consumer network One Big Switch and the Macquarie Radio Network and 4KQ.</p>
<h4>How is the FiftyUp Club funded?</h4>
<p>Wesfarmers General Insurance Limited (WGIL) ABN 24 000 036 279 AFSL 241461 is the issuer of the policies.</p>
<p>One Big Switch Pty Ltd (One Big Switch) ABN 75 150 963 474 AR 443411 is an Authorised Representative of WGIL, in respect of the Coles Insurance general insurance products for the limited period of 14 April 2014 until 9.00pm AEST on 2 May 2014. If you take out a Coles Insurance policy with WGIL as a result of the services provided by One Big Switch or the FiftyUp Club, One Big Switch will receive a commission from WGIL, details of which along with One Big Switch contact details, can be found in the <a href="https://s3-ap-southeast-1.amazonaws.com/onebigswitch/misc/Coles_FSG_50UP_20140415.pdf">Financial Services Guide (FSG)</a>.</p>
<p>Any advice provided is of a general nature only and does not take into consideration your objectives, financial situation or needs. Before acting on any advice you should consider its appropriateness. The relevant Product Disclosure Statement (PDS) can be found at <a href="http://www.colesinsurance.com.au/~/media/Files/Insurance/Product-Disclosure-Statements/Coles-motor-PDS---300813.pdf">Coles.com.au/insurance</a> and FSG <a href="https://s3-ap-southeast-1.amazonaws.com/onebigswitch/misc/Coles_FSG_50UP_20140415.pdf">here</a>.. You should obtain and consider this information before deciding whether to acquire any insurance products.
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<p>* Terms and conditions apply. Offer subject to underwriting criteria and only available on comparable policies. Offer may be withdrawn at any time. Consider the PDS at colesinsurance.com.au and offer terms and conditions at fiftyupclub.com to see if it is right for you.  Coles acts for the issuer Wesfarmers General Insurance.  One Big Switch trading as FiftyUp Club is a referrer only and receives a commission for each policy sold. </p>
<p><a href=”http://www.tdsa.org.au/wp-content/uploads/2012/10/Carrsq_older_driver_safety_research_report.pdf#page=16”> ^ Older Driver Safety Advisory Committee – Report to Department of Transport, December 2011</a></p>