Win a holiday for two at Australia's most spectacular holiday destination Lord Howe Island! Your prize on the multi award-winning, World Heritage-listed paradise island will include flights, accommodation, activities and more! Recently named a top 5 must-visit destination by Lonely Planet.Just buy travel insurance for your chance to win!COMPETITION DATESAutomatic entry into the Promotion commences at 12:01am AEDT on Tuesday 15th October 2019 and closes at midnight on Tuesday 14th January 2020.PERMITThe Insurance Geeks Pty Ltd are authorized to run this competition under NSW's trade promotion lottery permit number LTPS/19/38993WHO IS ELIGIBLE?The Promotion is open to Australian Residents only who are over the age of 18. All customers who purchase a Zoom policy 12:01am AEDT on Tuesday 15th October 2019 and midnight on Tuesday 14th January 2020 automatically go into the draw to win.This Promotion is not open to any employees or family members of employees of Zoom or its related companies.THE PRIZE Win an all-expenses-paid stay at the breathtaking Lord Howe Island, NSW.Prize includes a $5,000 holiday voucher redeemable with Oxley Travel for:- 1 holiday for 2 persons travelling to Island Howe Island- 2 return flights- Island credit to spend on accommodation, food, drinks, experiences. PRIZE CONDITIONSIf you participate in the Lord Howe Island Getaway ("Promotion") these terms and conditions apply. Participation in this Promotion is deemed acceptance of these Terms and Conditions.There is a total of one draw to be made for the entire promotional period. Entries are only valid if made between the opening and closing times of the Promotional Period, based on Australian Eastern Daylight Time (AEDT).Valid entries:- Incomplete or indecipherable entries will be deemed invalid;- If an entrant instructs cancellation of their travel insurance policy, their entry will immediately be removed from the competition and they will no longer be eligible to win unless they purchase another Eligible Product.The draw will take place at Level 12, 338 Pitt Street, Sydney, NSW, 2000 at 11:00am AEDT on 16th January 2020. In the event that an invalid or ineligible entrant is drawn, The Insurance Geeks may draw additional reserve entries and record them in order.The holiday voucher is only valid for travel to be completed by 31st January 2021. The winning entrant must redeem their prize immediately after winning and will be contacted by the travel agent for the booking.The Promotion is provided by Oxleytravel.com.au (ABN 76 058 795 663). Oxley Travel is responsible for booking the prize including flights and accommodation. The Insurance Geeks accepts no responsibility for any loss caused as a result of any errors/acts/omissions relating to the booking or quality of the Promotion. By accepting the Prize, the Winner accepts full responsibility for their own safety throughout the experience and agrees to adhere to Oxley Travel terms and conditions: https://oxleytravel.com.au/terms-conditions/. If Oxley Travel is unable to provide the prize or any part of the prize, The Insurance Geeks, in its discretion, reserves the right to substitute the prize (or that part of the prize) with a prize to the equal value and/or specification. All flights will be economy, departing from the nearest capital city airport to the Winner's home. Airport transfers from Winner's home to the nearest capital city are not included in the Prize.The total value of the prize is AUD $5,000. The Prize value is subject to change as the cost of flights is dependent on the Winner's departure city and departure date.Prizes, or any unused portion of a prize, are not transferable or exchangeable and cannot be taken as cash, unless specified otherwise.Photos or any images used in marketing of the Prize may not depict the actual accommodation or experiences that are booked. The Winners will be notified by telephone and in writing via email within 48 hours of the draw to confirm delivery of their prize. Zoom shall liaise with winner and suppliers to organise logistics.Any Winner who cannot be contacted either by telephone or email within seven days will forfeit their right to the Prize and that Prize will be re-drawn using the list of eligible entrants (excluding any Ineligible Persons) who had joined the competition during the Promotion Period.If a Winner becomes an Ineligible Person, their Prize will be re-drawn using the list of eligible entrants (excluding any Ineligible Persons) who had joined the competition during the Promotion Period. This redraw will be conducted at the Zoom offices at the earliest opportunity and the Winner will be chosen randomly by a computerised system.Winner of any re-draws will be contacted by telephone and notified in writing by email within 48 hours to confirm delivery of their Prize.?The Prize will not be reinstated, refunded or replaced in the event the Winner is no longer able to travel during the valid dates.The Winner may add services or stay additional nights, however, the Winner would be responsible for any additional costs.Except for any liability that cannot be excluded by law, the promoter (including its officers, employees and agents) excludes all liability (including negligence), for any personal injury; or any loss or damage (including loss of opportunity); whether direct, indirect, special or consequential, arising in any way out of the Competition, including, but not limited to, where arising out of the following: • Any technical difficulties or equipment malfunction (whether or not under the Promoter's control).• Any theft, unauthorised access or third party interference.• Any entry or prize claim that is late, lost, altered, damaged or misdirected (whether or not after their receipt by the Promoter) due to any reason beyond the reasonable control of the Promoter.• Any variation in prize value to that stated in these Terms and Conditions.• Any tax liability incurred by a winner or entrant.The Insurance Geeks reserves the right, at any time, to verify the validity of entries and entrants (including an entrant's identity, age and place of residence) and reserves the right, in its sole discretion, to disqualify any individual who The Insurance Geeks has reason to believe has breached any of these Terms and Conditions, tampered with the entry process, engaged in any unlawful or other improper misconduct which jeopardises or is likely to jeopardise the fair and proper conduct of the Promotion.MARKETING & PROMOTIONSThe Winners of the Promotion may have their names published on the Zoom website and within marketing materials through social media and digitals assets.By accepting the prize, the Winner agrees to participate in and co-operate as required with all reasonable media editorial requests relating to the prize, including but not limited to, being interviewed and photographed.All entries become the property of the Promoter, Zoom, who collects personal information about participants to enable participants to participate in this Competition. Zoom may require the consent of the 'Winner' to disclosure personal information to third parties for the purpose of fulfilling and organizing the prize.The Insurance Geeks may use social media platforms such as Facebook and/or Instagram to advertise or promote the Promotion. The Insurance Geeks is in no way sponsored, endorsed or administered by, or associated with Facebook or Instagram. Any questions, comments or complaints regarding the Promotion should be directed to the Promoter and not Facebook or Instagram.These Terms and Conditions constitute the entire terms and conditions between the Competition Entrant and Zoom Travel Insurance with respect to the Promotion. These Terms and Conditions are subject to applicable State or Territory laws regarding trade promotion lotteries.Please forward any questions about this Promotion to The Marketing Assistant, Level 12, 338 Pitt Street, Sydney, NSW 2000 Australiaor call 1300 049 880.This Promotion is conducted by Zoom Travel Insurance, a Registered Business name of the Insurance Geeks Pty Ltd ABN 35 612 507 785 located at Level 12, 338 Pitt Street, Sydney, NSW 2000 Australia.