Terms of service

Our rules and regulations for using Honey Insurance products and services

Please read these terms of service. These terms of service, together with any conditions, notices and disclaimers contained elsewhere on our website (known collectively as the ‘terms’), govern your access and use of our website. By accessing and using this website, you acknowledge and accept that these terms bind you.

In these terms, any references to ‘us’, ‘we’, or ‘our’ mean Honey Insurance Pty Ltd, a business name of Honey Insurance Pty Ltd (ABN 52 643 672 628, AFSL 528244), any of its subsidiaries or business partners. Any reference to the ‘service’ means the financial services we’re authorised to provide to you, being:

The provision of general advice and arranging for you to enter into, issue, vary and dispose of general insurance contracts
Other services, such as the use of our website or applications provided by our business partners

The Honey Insurance website

The information on this website may not be accurate or up to date in all respects. We don’t warrant the accuracy or completeness of any information contained on this website. None of Honey Insurance or any of its related companies, or their directors, accepts any liability for any reliance by any person on information contained in the service, or guarantees the performance of any particular financial product referred to in the service.

From time to time, we may need to update these terms or modify or enhance the service and your continued use of the service means that you accept the updated terms.

The information on this website is provided for Australian residents only, and where indicated, may be limited to specific states and territories of Australia. The law of New South Wales governs these terms. In the service, any currency references are to Australian dollars unless otherwise specified.

This website may contain links to third-party websites. Honey Insurance and its related entities don’t make any representations about the content of any third-party websites, and expressly disclaim that they operate any website other than this website.

Ownership of this website

All intellectual property on this website – including the Honey Insurance trademarks and copyright in the information, text, graphics, services and other data – is owned by us. No part of this website may be reproduced, stored, modified, adapted, uploaded to another location or produced for display in any form without our prior written approval.

Information we provide

Honey Insurance doesn’t provide personal financial product advice. Any information provided to you by us is general information only, which, when prepared, doesn’t take into account your individual circumstances, objectives, financial situation or needs.

When considering any financial product available from Honey Insurance, you should carefully read the Product Disclosure Statement (PDS), Target Market Determination (TMD), and any applicable Supplementary Product Disclosure Statement (SPDS) to ensure the product is right for you. A copy of each PDS, TMD and any SPDS is available on this website.

Honey Insurance is underwritten as follows:

General insurance policies with a start or renewal date before 1 Oct 2026 are underwritten by RACQ Insurance Limited ABN 50 009 704 152, AFSL 233082
General insurance policies with a start or renewal date on or after 1 Oct 2026 underwritten by Zurich Australian Insurance Limited ABN 13 000 296 640, AFSL 232507

Your use of this website

You mustn’t use our website in any of the following ways:

Use of any type of data accumulation tool, robot, or spider to compile, disseminate, extract, process, reproduce, or repackage in any form or monitor any of the webpages, content, data or information contained within or accessible through this website
To accumulate or combine the content, data or information contained or accessible through this website with content, data or information from any third party, without Honey Insurance’s prior written permission
Use of high-volume, automated or systematic processes to obtain data or other information from this website
Compile, repackage or disseminate any information or data from this website
Accumulate data or information from this website, whether or not using any automatic or manual process
Use of any type of device, process, routine or software, either systematically or non-systematically, to interfere or attempt to interfere with the functioning of this website or any transaction or process conducted on or through this website
To use or reproduce any information or data from this website other than as specifically permitted by these terms
To incorporate into or store any information or data from this website in any other website, electronic retrieval system, database, publication or other work in any form, other than as specifically permitted by these terms
Combine or process any data or information from this website with other data or information other than as specifically permitted by these terms
Create a link to this website from another website without Honey Insurance’s prior written permission
Using this website other than as specifically permitted by these terms
Any use of this website for an unlawful purpose or activity
Either yourself or through a third party change, modify, reproduce, or create any works derived from this website, or display in public, any part or content of this website without Honey Insurance’s prior written permission or unless you have a non-excludable legal right to do so

If you breach these terms, you agree to indemnify us for any loss that we may suffer or any costs that may be incurred from your breach.

Any failure by us to exercise any right, power or remedy under these terms shall not operate as a waiver of our rights.

General conditions

To understand your obligations when you purchase, vary, renew or reinstate your insurance, please read our General Conditions. If you are an existing policy holder, you can find a copy of the General Conditions in your Certificate of Insurance.

Privacy

We’re committed to protecting your privacy. Our privacy policy explains how we collect, use and disclose the personal information you provide to us. You consent to the use, transfer and disclosure of personal information by us in accordance with our privacy policy, available on this website.

Registration and account security

Honey Insurance users provide their real names and information. Here are some commitments you make to us relating to registering and maintaining the security of your account:

You won’t provide any false personal information to Honey Insurance or create an account for anyone other than yourself without permission
You won’t create more than one personal account
If we disable your account, you won’t create another without our permission
You won’t use Honey Insurance if you are under 17
You will keep your contact information accurate and up to date
You won’t share your password, let anyone else access your account, or do anything else that might jeopardise the security of your account
You won’t transfer your account to anyone without first getting our written permission

Verification

We need to verify your identity before you can use certain parts of the service. Verification must be completed online and to the satisfaction of Honey Insurance. Honey Insurance may amend the verification requirements or require a user to complete additional verification at any time.

Smart Home Program

This information relates to all new policies with a start or renewal date on or after 1 Oct 2026. If you purchased a Honey Insurance policy with sensors before this date, read more about your Smart Home Program Discount in your PDS.

The Smart Home Program provides home or home and contents policyholders the option of receiving a smart home sensor kit. When correctly installed, activated, and maintained in working order, the kit can detect and alert you to common household risks.

If the Smart Home Program applies to your policy, you will be entitled to a premium discount, subject to the terms set out in your PDS.

Premium discount

If you opt-in to the Smart Home Program before your policy starts, you’ll receive a discount on your premium. This will be shown on your COI. To keep the discount, the smart home sensor kit must remain active in accordance with the terms as outlined in your PDS.

If you chose not to participate in the Smart Home Program before your policy started, you will not be able to opt-in during the period of insurance.

The smart home sensor kit

When you opt-in to the Smart Home Program, a smart home sensor kit will be provided to you at no additional cost and will be delivered to the insured address.

You must install and activate the smart home sensor kit within 28 days of when you receive the sensors and keep the kit active during the period of insurance.

We will notify you by email or SMS if the sensors are detected to be offline. If you identify that the kit is defective, you must notify us promptly. You will not lose your discount if the smart home sensor kit is defective.

We will not use data from the smart home sensor kit in the claims process.

Installing the smart home sensor kit

To install your smart home sensor kit, you must have completed all the below steps:

Downloaded and installed the Honey Smart Home app
Created your login account
Connected the provided bridge to your home network and linked it to the app
Set up at least one sensor in your home and connected this to the app

If you don’t install and activate the smart home sensor kit

If the smart home sensor kit is detected to be offline during the period of insurance, we will try to contact you to confirm whether you intend to install (or re-install) and activate the kit.

If we are unable to contact you, or you tell us you do not want the kit, we may remove the discount.

Property data

By using product data, you confirm that you have read and accepted Cotality’s end-user terms for the access and use of the product data.

This publication reproduces materials and content owned or licensed by RP Data Pty Ltd trading as Cotality, formerly known as Data Pty Ltd trading as CoreLogic Asia Pacific (Cotality) and may include data, statistics, estimates, indices, photographs, maps, tools, calculators (including their outputs), commentary, reports and other information (Cotality Data).

© Copyright 2025. Cotality and its licensors are the sole and exclusive owners of all rights, title and interest (including intellectual property rights) in the Cotality Data contained in this publication. All rights reserved.

The Cotality Data provided in this publication is general and should not be construed as specific advice or relied upon instead of appropriate professional advice. While Cotality uses commercially reasonable efforts to ensure the Cotality Data is current, Cotality does not warrant the accuracy, currency or completeness of the Cotality Data and to the full extent permitted by law excludes all loss or damage howsoever arising (including through negligence) in connection with the Cotality Data.

Contains property sales information provided under licence from the Land and Property Information RP Data Pty Ltd trading as Cotality, is authorised as a Property Sales Information provider by the LPI.Payments.

If you make a payment using the service, you agree to payment terms relating to the specific product unless it is stated that other terms apply.

Termination

If you violate these terms or otherwise create risk or possible legal exposure for us, we can stop providing all or part of the service to you. We will notify you by email or the next time you attempt to access your account. You may also delete your account or disable your application at any time.

Limitation of liability

Neither Honey Insurance, its product issuers, its sub-contractors, associates, nor related companies or their directors will be liable in any way for any loss or damage suffered by you through your use of the service, including but not limited to loss or damage arising in connection with:

Your use of the service
Any defects, viruses and any other malfunctions caused to any equipment and other software in connection with access or use of the service
The information provided on or via the service
The interception, modification or misuse of information transmitted to us or transmitted to you
The functioning or non-availability of the service
The misuse of the service
Claims by third parties in connection with the use of the service
Any loss or unauthorised access to any data or information that you provide to us when using the service
Any loss arising from unauthorised transactions arising from the use of your account credentials or account information

Our liability for negligence, breach of contract or contravention of any Australian law as a result of our failure to provide the service or any part of it, or for any problems associated with your use of the service (including any loss of data or information you provide to us when using the service), which cannot be lawfully excluded by Australian law, is limited, at our option and to the maximum extent permitted by Australian law, to resupplying the service or any part of it to you, or to paying for the resupply of the service or any part of it to you.