Complimentary E-Commerce Purchase Protection Insurance
Cover for the non-delivery and/or incomplete delivery of online purchases – up to $2702.
Policy coverage
Below is a limited summary only. For the full list of benefits and the terms, conditions, exclusions, limits, applicable sub-limits and excesses that apply, please view the E-Commerce Purchase Protection terms and conditions.
Complimentary E-Commerce Purchase Protection Insurance
Covers you for:
- Non-delivery/and or incomplete delivery of Goods, that are purchased on the internet, if (i) unless otherwise advised by the Seller of a delay, the Goods have not been delivered within 30 days of the scheduled delivery date, and (ii) the Seller has failed to refund You within 60 days of non-delivery.
- Improper functioning due to physical damage of delivered Goods that are purchased on the internet, provided (i) this resulted from physical damage which was apparent or manifest at time of delivery of the Goods to You; and (ii) the Seller has failed to refund You within 60 days of delivery
Benefit amount (AUD)
- Per Occurrence Limit: $270
- Annual Total Limit: $270
Excess
- Nil
Exclusions
(NOTE this list is not exhaustive, please refer T&Cs for full list and definitions)
- Animals or plant life
- Cash, negotiable instruments, shares, travellers cheques, or tickets of any description (eg entertainment, sports, travel)
- Consumable or perishable items
- Goods purchased for commercial use
- Access to internet websites, software or data files downloaded off the internet
- Services provided via the Internet such as cinema tickets, air tickets, hotel bookings, car rental, financial advice
- Goods purchased for resale or items which are used goods, damaged goods or second-hand goods at the time of purchase
- Permanent household and/or business fixtures
- Art, antiques, firearms and Collectable Items
- Furs, watches, jewellery, gems, precious stones and articles made of or containing gold/precious metals)
- Goods deemed to be illegal
How can I make a claim?
You can make an insurance claim here or send a notification to obtain a claim form and instructions on what to do after a loss.
The contact details are set out below:
AIG Australia Limited
Level 19, 2 Park Street
Sydney, NSW 2000 Australia
Tel: +61395224111
Customer Service Operating Hours: Monday to Friday 8:30AM to 5:30PM AEST Email: APAC.Mastercard@aig.com
To find out more, please refer to the complimentary E-Commerce Purchase Protection terms and conditions.
Important information
* To take advantage of up to 55 days Interest Free on everyday credit card purchases, you need to pay the full closing balance on each statement of account by the applicable due date.
1Subject to eligibility requirements, we will issue you a redeemable amount in the form of Latitude Rewards equivalent to 3% of eligible purchases. You can use this amount to select an e-gift card via the Latitude App and Latitude Service Centre.
Eligible purchases are determined based on transactions posted to the account. Eligible transactions are transactions that are directly setup as recurring payments with participating merchants under the following merchant categories codes (MCC):
• Utilities (Electricity, Gas, Water) - 4900
• Telco Services – 4812 and 4814
• Streaming Services – 4899, 5735, and 5815
Exclusions to eligible transactions apply.
Merchant categories are determined by a merchant’s Merchant Category Code (MCC). We are not responsible for designating MCCs and have no control over the same. You’re unable to receive rewards if you use an intermediary platform such as PayPal, Google and the like.
The Latitude Rewards will be issued by EonX Services Pty Ltd and will be available for redemption via the Latitude App or Latitude Service Centre within 30 days from the end of the statement period. The primary cardholder has up to 18 months to redeem from the date of issue. View Latitude Rewards Terms and Conditions.
2Purchase Protection Insurance is underwritten and issued by AIG Australia Limited ABN 93 004 727 753, AFSL 381 686, Level 19, 2 Park Street, Sydney NSW 2000 (“AIG”) under a group policy of insurance issued to Mastercard. In arranging the insurance Mastercard acts a group purchasing body under ASIC Corporations (Group Purchasing Bodies) Instrument 2018/751. Eligible Persons who can access the complimentary Purchase Protection Insurance are the current holders of the relevant Latitude 28° Global Platinum Mastercard which entitles them to these purchase protection insurance benefits. It is important you read your Latitude 28° Global Platinum Mastercard Purchase Protection Insurance Terms and Conditions. Eligible persons can claim as third-party beneficiaries by virtue of the operation of s48 of the Insurance Contracts Act 1984. Conditions and Exclusions apply to this insurance coverage as set out in the group policy and any insurance document provided to the eligible persons and which both may be amended from time to time. Neither Latitude Finance Australia nor Mastercard guarantees this insurance and do not hold an Australian Financial Services Licence. View full terms and conditions.
Latitude General Terms and Conditions set out the T&Cs of the Latitude Low Rate Mastercard credit card. Credit provided by Latitude Finance Australia ABN 42 008 583 588 Australian Credit Licence number 392145.
Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. Apple, the Apple logo, Apple Pay, Apple Watch, Face ID, iPad, iPhone, Safari, and Touch ID are trademarks of Apple Inc., and App Store is a service mark of Apple Inc., registered in the U.S. and other countries.
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