Muval Cover Terms and Conditions

When these Cover Terms and Conditions mention “Muval” “we,” “us,” or “our”, this refers to Muval Cover Pty Ltd (ABN 74 638 157 874) of 23 Halford Street, Newstead 4006 QLD.

These Cover Terms and Conditions (“Cover Terms”) govern the Muval Cover Services (defined below) provided through the Muval Platform (“Platform”).

These Cover Terms must be read together with Muval’s:


1. Muval Cover

Muval is appointed as an Authorised Representative of Australian Risk Applications (Pty) Ltd (ABN 72 078 765 321) (ARA) in arranging for you the provision of insurance services to cover you for moving your goods (Muval Cover Services) under Australian Financial Services Licence number 228991.

There is no relationship between Muval and ARA other than Muval acting as ARA’s authorised agent as aforesaid.

2. Muval Cover Services

If you choose Muval Cover Services to cover you for the movement of your goods, ARA will:

  • arrange for QBE Insurance (Australia) Limited (QBE) to issue an insurance policy (Policy) to cover you for your move;
  • give you QBE’s Product Disclosure Statement (PDS) which describes the main features of the Policy. You should read the PDS to help you decide if the policy suits your needs, objectives and financial situation.

If you require further information or advice about the Policy, or your insurance needs are different from the cover available in the Policy, then please contact ARA who will be able to assist you.

3. Process

To obtain coverage under the Policy, you must:

  1. confirm all details of the Policy that you wish to purchase via the Platform (including your required level of coverage and any other options)
  2. agree to all terms and conditions of ARA and/or QBE in respect of the Policy
  3. complete a valued inventory of all goods to be moved via the Platform and
  4. pay the Cover Fee,

before you may be covered.

To obtain coverage if you have purchased a ‘MuvExpress’ product which includes complimentary insurance of the first $5,000 of value, you will need to complete the first three steps above (3a, 3b & 3c) and cover the premium cost associated for any additional insurance above the $5,000 value before you may be covered. MuvExpress complimentary cover is not active and you do not have coverage until you complete the first three steps above (3a, 3b & 3c).

Muval is not responsible for any lack of coverage or variations in the Cover Fee payable due to any incorrect or incomplete information provided by you, or omission by you to meet these requirements.

4. Information

Our Platform may contain or make available various tools, calculation devices, documentation and information which assist you in evaluating the Policy, calculating the optimal insurance policy, premium, or level of excess for you. In some cases, we may give a general opinion about such products.

Any information which we provide is of a general nature only and does not take your personal needs, objectives or financial situation into account. You need to consider the appropriateness of any information or advice we give you, having regard to your personal needs, objectives or financial situation, before acting on it.

While we have undertaken reasonable steps to ensure that any information that we provide via the Platform is accurate and free from defect, we do not warrant its accuracy, adequacy, correctness or completeness. The use by you of any of these features or any information provided is entirely at your own risk. Any figures used by these features in any calculations are estimates only and do not take account of your particular circumstances.

Because of this, we require that you carefully read the relevant QBE PDS and Policy documentation which we give you before you decide to acquire (or not to acquire) any insurance products. If you have any issues, you should consult with ARA whose contact details are listed below.

5. Cover Fee

You will be provided with a quotation for the fee payable for your insurance at the time you confirm and purchase the relevant insurance products (Cover Fee).

The Cover Fee is calculated based on the value of your covered goods, as declared by you on your valued inventory of goods.

6. How we are paid

The Cover Fee incorporates a charge that covers our and ARA’s services in arranging the insurance for you with QBE.

7. Warranties

Whilst reasonable steps have been undertaken to ensure that all information on the Platform is free from error, to the extent permitted by law, which law cannot be excluded, Muval does not warrant the accuracy, adequacy or completeness of any content on the Platform. All information is subject to change without notice. Muval does not guarantee that any part of the Platform or any third party site will be free from viruses, or that access to any part of the Platform or any third party site will function as intended or be uninterrupted. All terms implied by law, except those that cannot be lawfully excluded, are excluded.

8. Limitation of liability

Subject to any responsibilities implied by law and which cannot be excluded, Muval, and its directors, employees, agents, contractors and related bodies corporate, are not liable to you for any losses, damages, liabilities, claims and expenses (including but not limited to legal costs and defence or settlement costs) whatsoever, whether direct, indirect or consequential, arising out of or referable to the Platform, its content, third party material, third party services, or to access (or lack of access) to the Platform or any third party by you, howsoever caused, whether in contract, tort including negligence, statute or otherwise.

9. Indemnity

You indemnify Muval (and any of its related bodies corporate) in respect of any liability incurred by us (or any of its related bodies corporate) for any loss, cost, damage or expense, howsoever caused, suffered by Muval (or any of its related bodies corporate) as a result of your breach of these Cover Terms, and your use of the Platform or Services.

10. Notices, complaints and disputes

ARA handles all complaints or disputes about the insurance products offered through the Muval Cover Services. You may contact their Complaints Officer as follows:

Complaints Officer
Australian Risk Applications (Pty) Ltd
Level 4, 12 Mount Street, North Sydney NSW 2060
(02) 9007 2491

If the Complaints Officer does not resolve your complaint to your satisfaction, then you may refer it to the Australian Financial Complaints Authority (AFCA). For further information about AFCA, please visit

Except as stated otherwise, any notices must be given by email to

11. General provisions

We may vary these Cover Terms (at any time and at our absolute discretion) by publishing the varied terms via the Platform, at which time they will become effective:

  1. for users who communicate their acceptance of the amended Cover Terms, upon acceptance; and
  2. for all other users, 28 days after the amended Cover Terms are published via the Platform.

If you do not agree to any variation to these Cover Terms proposed by Muval, then you should cease using the Muval Cover Services. We recommend you check our Platform regularly to ensure you are aware of our current Cover Terms.

Last updated: March 7th, 2024