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Shopper’s Protection Insurance

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Before applying

This PDS explains Shopper's Protection, an optional insurance that is available to 28 Degrees Platinum Mastercard® account holders. It’s important that you read the PDS carefully before you decide to buy it so you understand:

  • the purpose of credit card insurance
  • that you are not obliged to purchase this product
  • what Shopper's Protection covers and what it doesn’t cover
  • whether you are eligible to apply and how to apply
  • how much it costs
  • how to make a claim
  • the terms and conditions of your policy.

Shopper's Protection is a form of optional consumer credit insurance that could help cover your repayments if you are unable to work or pass away. You may also be able to arrange this insurance through a different insurer. Details of commissions paid in relation to Shopper's Protection can be found in the Financial Services Guide (FSG). 

The PDS will help you to make an informed decision about this product. The cover details referred to throughout apply only to your account. Keep this document in a safe place, as you’ll need it if you want to contact us or make a claim.

In this document, words and phrases appearing in bold type have special meanings. We’ve explained these in our Definitions. If you’re still not clear and need further explanation, please call us on 1800 800 230.

You should always consider if this product is suitable for you.

Your personal circumstances might reduce the value of this product for you.  For example, if you:

  • suffered an illness or injury in the 12 months before applying for Shopper's Protection that affects your ability to work, you may not be able to claim for Disability, or
  • are not working, you may not be able to claim for disability or involuntary unemployment.

Your 28 Degrees Platinum Mastercard account with Latitude Finance Australia (LFA) ABN 42 008 583 588 Australian Credit Licence number 392145.

Continuous and regular employment for salary or wages, including self-employment, a partner in a partnership, full-time, part-time, contract or seasonal worker, or if you are contracted for a specified season, period or task.

Your 28 Degrees Platinum Mastercard account with Latitude Finance Australia (LFA) ABN 42 008 583 588 Australian Credit Licence number 392145.

Continuous and regular employment for salary or wages, including self-employment, a partner in a partnership, full-time, part-time, contract or seasonal worker, or if you are contracted for a specified season, period or task.

In our reasonable assessment, due to medically diagnosed sickness or injury, you are unable to perform the normal duties of your usual occupation.

Continuous and regular employment for salary or wages, including self-employment, a partner in a partnership, full-time, part-time, contract or seasonal worker, or if you are contracted for a specified season, period or task.

In our reasonable assessment, due to medically diagnosed sickness or injury, you are unable to perform the normal duties of your usual occupation.

If you are an employee:

  • you stop working as a result of being terminated or being made redundant by your employer, where the job loss is not of your choosing, or
  • you accept the terms of redundancy, offered by your employer, due to organisational downsizing or restructure.

If you are self-employed or in a business partnership, you stop working and it's not of your choosing, because:

  • you stop the business trading permanently or start to wind it up,
  • the business is placed in the hands of an insolvency practitioner, or
  • for partnerships, you stop trading permanently or dissolve or start to dissolve the partnership.

If you work on a contract or seasonal basis, you stop working as a result of being terminated or made redundant by your employer before the agreed expiry date of the contract, season or task, where the job loss is not of your choosing.

If you leave your job because you have to provide regular and sustained care for a family member without receiving an income (other than Centrelink Carer's Allowance or equivalent), where the accident, condition or disability which caused this need for care, occurred after the policy started.


Ready for Shopper's Protection?

Click to add insurance to your account now or call us on 1300 552 079.

Need to make a claim?

Claim through Latitude Financial Services below.

Download the full 28 Degrees Mastercard Shopper’s Protection PDS