Cover-More “RUGBY LEAGUE LAS VEGAS 2027, NERVES OF STEEL PROMOTION” Competition Terms and Conditions, Australia

1. These Terms and Conditions apply to the “RUGBY LEAGUE LAS VEGAS 2027 PROMOTION” Competition Australia (“Competition”). By participating, entrants agree to be bound by these Terms and Conditions.
2. Entries must comply with these Terms and Conditions to be valid.
3. The Promoter is Cover-More Insurance Services Pty Ltd ABN 95 003 114 145 OF Zurich Tower, Level 14, 118 Mount Street, North Sydney NSW 2060. (“Promoter”).
4. The Competition commences at [12:00am] (AEST) on [8 September 2026] and closes at [11:59pm] (AEST) on [3 October 2026] (“Competition Period”).
5. The total value of the Prize for the Competition is up to a value of $18,000 AUD.
6. This Competition is a game of skill, and chance plays no part in determining the winner. All entries will be judged individually on their merits based on the judging criteria.

How to enter

7. Entry into the Competition is only open to Australian and New Zealand residents aged 18 years and over (“Eligible Entrants”).
8. Eligible Entrants must not be an employee of the Promoter or its related entities and must not have any immediate family members who are employees of the Promoter or its related entities. Immediate family means spouse, de facto spouse, child or stepchild (whether natural or by adoption), parent or stepparent, brother, sister, stepbrother or stepsister.
9. To enter:
   1. Follow the steps on https://nos-vegas.covermore-experiences.com
   2. Select one participating NRL player;
   3. Fill in all the required data fields on the entry form;
   4. Ensure you are opted into receiving direct marketing communications from the Promoter and ensure you remain opted in for the duration of the Competition Period; and
   5. In twenty-five (25) words or less provide a reason why you think that selected player will deliver the winning ‘Nerves of Steel’ moment during the 2026 NRL Finals Series.
10. Eligible Entrants are responsible for their own costs associated with entering the Competition.
11. Eligible Entrants who use automatically generated entries or multiple aliases, may be disqualified from the Competition.
12. Only one entry per person is allowed during the competition period, and that entry should not be entered into any other similar competition.

Judging Criteria and Prize Determination

13. Entries will be judged on accuracy and the most interesting response by:
    1. selecting the winning player (the winning player and winning moment will be determined by a Rugby League expert appointed by and at the discretion of the Promoter which will be named at the end of the Competition Period); and
    2. having both the most accurate answer together with the most interesting response in the twenty-five (25) words or less section (judged by a representative of the Promoter)
14. There is one winner for this Competition. The total prize is up to a value of $18,000 AUD.
15. The prize includes:
    3. 2 x Money Can’t Buy Experiences and 2x Syndicated Hospitality Tickets to attend all 3 games for the Rugby League Las Vegas games at Allegiant Stadium, on 27^th February 2027. ($2,750 AUD RRP each).
    4. Flight and accommodation package (estimated value up to $6,000 AUD each), which includes:
       1. Return international full-service Qantas economy charter flight for two (2) people (the winner and their nominated companion), from Sydney, NSW departing on 23^rd February 2027 and returning 2^nd March 2027.
       2. 5 nights twin-share accommodation at Planet Hollywood Resort & casino in Las Vegas.
    5. Exclusive Rugby League Las Vegas merchandise pack
    6. International Comprehensive Cover-More Travel Insurance policy for the winner and their nominated companion
16. The total Prize value is correct as at the date of preparing these Terms and Conditions and includes any applicable GST.
17. The Promoter does not accept responsibility for any variation in the Prize. If the Prize is unavailable, the Promoter reserves the right to substitute the Prize with a prize of equal or greater value, subject to any applicable regulation.

Notification and Claim Period

18. The winner will be chosen on [Monday 12 October 2026] between [09:00am] and [05:00pm] (AEST) and will be contacted by email and phone within 24 hours of the prize determination.
19. Redeeming the prize is conditional upon acceptance of the terms and conditions when entering the competition. The Winner must have provided the Promoter with a valid email address and phone number at entry. The winner is responsible for any amendment fees charged by airlines or suppliers after the original booking is confirmed and ticketed. Winner is responsible for any additional taxes and/or resort fees associated with the chosen accommodation, unless otherwise stated.
20. It is the winner’s responsibility to organise transport to/from Sydney International Airport. If the winner’s nominated companion for the prize is under 18 years of age, the winner must accompany the nominated companion during the entire duration of the prize. Winners and their nominated companions must depart from and return to the same departure point and travel together. Winners may be required to present their credit card at the time of accommodation check in.
21. If, within two (2) weeks of the winner being chosen, the Prize has not been accepted, and after making reasonable attempts, the Promoter cannot contact a winner (or a winner does not contact the Promoter), the relevant entry will be discarded and the Promoter reserves the right to award the Prize to the Eligible Entrant with the next best Entry (“Unclaimed Prize Winner”), as determined by the judges. The Unclaimed Prize Winner will be notified within 24 hours of the Promoter exercising that right, and will need to claim prize within two (2) weeks of being notified.
22. Prizes and all elements of the prizes must be taken as and when offered or will be forfeited, and if forfeited, the Promoter will not be liable.
23. Where the Promoter, acting reasonably, is of the view that an Eligible Entrant has breached these Terms and Conditions, it reserves the right to discard their entry.
24. The Promoter reserves the right, at any time, to verify the validity of Eligible Entrants (including an Eligible Entrant’s identity, age and place of residence) and may disqualify any Eligible Entrant who is not eligible to enter the Competition under these Terms and Conditions or who fails to verify the validity of their entry.

General terms

25. Eligible Entrants must not, in relation to this Competition, tamper with the entry process, such as the following:
    1. engage in any conduct that may jeopardise the fair and proper conduct of the Competition;
    2. act in a disruptive, annoying, threatening, abusive or harassing manner;
    3. do anything that may diminish the good name or reputation of the Promoter or any of its related entities or of the agencies or companies associated with this Competition; and
    4. breach any law or behave in a way that is otherwise inappropriate.
26. The Promoter is not liable for entries, prize claims or correspondence that are misplaced, misdirected, delayed, lost, incomplete, illegible or incorrectly submitted.
27. The Promoter is not liable for any problems with communications networks.
28. The Promoter’s decision in connection with all aspects of this Competition is final.
29. If this Competition cannot run as planned for any reason beyond the Promoter’s control, for example due to software, hardware or communications issues, unauthorised intervention, tampering, fraud or technical failure, the Promoter may end, change, suspend or cancel the Competition or disqualify affected entries/entrants, subject to any necessary approval by the state/territory gaming authorities, as applicable.
30. The Promoter is not responsible for any tax implications arising from Eligible Entrants winning a Prize. Eligible Entrants should seek independent tax and financial advice. If for GST purposes this Competition results in any supply being made for non-monetary consideration, Eligible Entrants must follow the Australian Taxation Office’s stated view that where the parties are at arm’s length, goods and services exchanged are of equal GST inclusive market values.
31. Except for any liability that cannot be excluded by law (in which case that liability is limited to the minimum allowable by law), the Promoter 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 in connection with this Competition, including but not limited to: any technical difficulties or equipment malfunction (whether or not under the Promoter’s control);
    1. any theft, unauthorised access or third-party interference;
    2. any tax liability incurred by a winner (independent financial advice should be sought); or
    3. accepting and/or using the Prize.
32. The Promoter is not responsible for any undelivered emails due to an Eligible Entrant’s spam filters or email settings.
33. The Promoter reserves the right to disqualify any persons who breach any of these Terms and Conditions, provide false information or who seek to gain an unfair advantage or to manipulate this Competition.
34. Nothing in these Terms and Conditions limits, excludes, modifies or purports to limit, exclude or modify the statutory consumer guarantees as provided under the Competition and Consumer Act 2010 (Cth), as well as any other implied warranties under the ASIC Act 2001 (Cth) or similar consumer protection laws in the State and Territories of Australia.
35. Personal information is being collected by the Promoter for the purpose of administering and promoting this Competition, and to assist the Promoter to improve its services, and providing direct marketing communications. By entering this Competition, each Eligible Entrant consents to the Promoter’s storage and use of their personal information by the Promoter in accordance with the Promotor’s Privacy Policy, including for direct marketing purposes. If an Eligible Entrant does not provide the required marketing consent and they are not opted into receiving direct marketing materials, the Eligible Entrant may not participate in this Competition.
36. By entering in the competition, each Eligible Entrant agrees that New South Wales law, Australia (without regard to conflicts of laws principles) will apply to all matters relating to this Competition. In the case of a dispute, the Eligible Entrant agrees to submit to the exclusive jurisdiction of the courts of New South Wales, Australia, except where, by law, such dispute must be brought in the jurisdiction in which the Eligible Entrant is domiciled, or where the relevant law contains mandatory provisions that override such exclusive jurisdiction.