Our Resources

  • The following additional fees may be charged to reimburse QPR Premium Funding for reasonable costs incurred. These fees are subject to change, with 30 days’ notice, at any time.

    This Fee schedule is effective from 12 November 2024

    CREDIT CARD MERCHANT FEE

    The credit card merchant fee as charged to QPR Premium Funding by credit and debit card providers:

    • Mastercard - 0.90%

    • VISA - 0.90%

    • AMEX – 2.15%


    DISHONOUR FEE

    A fee of $25.00 incurred for each payment returned as dishonoured.

    CANCELLATION FEE

    No cancellation fee is charged for termination of this agreement following an Event of Default.

    DEFAULT INTEREST

    If a client fails to pay any instalment on time, client will be charged at the contract rate plus 3% per annum, calculated on a daily basis until paid in.

    APPLICATION FEE

    A fee charged to a client for processing of a premium funding loan, including all credit due diligence requirements. Please refer to your premium funding contract/agreement for the amount charged.

  • Download PDF of DOMESTIC CONTRACT T&C's

    Download PDF of COMMERCIAL CONTRACT T&C's

  • Debit User’s name and address: QPR Limited (ACN 082 413 732) of P O Box 90

    Osborne Park WA 6917 ("we" or "us") User ID: 255554

    You have entered or are about to enter into an arrangement under which you make payments to us. You want to make those payments by use of the Direct Debit System. This agreement sets out the terms on which we accept and act under a Direct Debit Request ("your Direct Debit Request") you give us to debit amounts from your account under the Direct Debit System. It is additional to the arrangement under which you make payments to us.

    Please ensure you keep a copy of this agreement as it sets out certain rights you have against us and certain obligations you have to us due to giving us your Direct Debit Request.

    When we are bound by this agreement.

    1. We agree to be bound by this agreement when we receive your Direct Debit Request complete with the

    particulars we need to draw an amount under it.

    What we agree and what we can do.

    2. We only draw money out of your account in accordance with the terms of your Direct Debit Request.

    3. On giving you at least 14 days notice, we may:

    • change our procedures in this agreement;

    • change the terms of your Direct Debit Request; or

    • cancel your Direct Debit Request.

    4. You may ask us to:

    • alter the terms of your Direct Debit Request;

    • defer a payment to be made under your Direct Debit Request;

    • stop a drawing under your Direct Debit Request; or

    • cancel your Direct Debit Request

    by giving us 14 days notice, either by sending correspondence to QPR Limited P O Box 90 Osborne Park WA 6917 quoting your QPR Limited account number and setting out the reasons for your request.

    5. You may dispute any amount we draw under your Direct Debit Request by:

    either sending correspondence to QPR Limited P O Box 90 Osborne Park WA 6917 or telephoning us on 1800 007 773.

    6. We deal with any dispute under clause 6 of this agreement as follows:

    We will attempt to resolve the dispute within 2 working days of it being made. If we cannot resolve the dispute within this time, we will contact you directly or send you a letter telling you what we have done

    and what other action we intend to take. The dispute will be resolved within 14 days from the date we contact you.

    7. If the day on which you must make any payment to us is not a business day, we draw on your account

    under your Direct Debit Request on the preceding business day.

    8. If your financial institution rejects any of our attempts to draw an amount in accordance with your Direct Debit Request, we will notify you in writing, and keep seeking to draw the amount until all amounts due to us by you are paid. Note you may also incur a fee from your financial institution.

    9. We will not disclose to any person any information you give us on your Direct Debit Request, which is

    not generally available, unless:

    • you dispute any amount we draw under your Direct Debit Request and we need to disclose any information relating to your Direct Debit Request and to any amount we draw under it to the financial institution at which your account is held or the financial institution which sponsors our use of the Direct Debit System or both of them;

    • you authorise that disclosure under this agreement;

    • you otherwise consent to that disclosure; or

    • we are required to disclose that information by law.

    What you should consider

    10. Not all accounts held with a financial institution are available to be drawn on under the Direct Debit System.

    11. Before you complete your Direct Debit Request, it is best to check account details against a recent

    statement from your financial institution to ensure the details on your Direct Debit Request are completed correctly.

    12. Please enquire of your financial institution, if you are uncertain when your financial institution processes an amount we draw under your Direct Debit Request on a day which is not a business day.

    13. It is your responsibility to ensure there are sufficient clear funds available in your account, by the due date on which we draw any amount under your Direct Debit Request, to enable us to obtain payment in accordance with your Direct Debit Request.14. We request you to direct all requests to stop or cancel your Direct Debit Request to us or your financial institution; and all enquiries relating to any dispute under Clause 6 of this agreement to us or your financial institution.

    DOWNLOAD AS PDF: DDRSA

  • Debit User’s name and address: QPR Limited (ACN 082 413 732) of PO Box 90 OSBORNE PARK WA 6917 ("we" or "us"). 

    You have entered or are about to enter an arrangement under which you make payments to us. You want to make those payments by use of the AMEX, VISA or Mastercard recurring payments. This agreement sets out the terms on which we accept and act under a Recurring Payments Request ("your Recurring Payments Request") you give us to debit amounts from your account under the Recurring Payments System. It is additional to the arrangement under which you make payments to us. 

    Please ensure you keep a copy of this agreement as it sets out certain rights you have against us and certain obligations you have to us due to giving us your Recurring Payment Request. 

    When we are bound by this agreement. 

    1. We agree to be bound by this agreement when we receive your Recurring Payment Request complete with the particulars we need to draw an amount under it. 

    What we agree and what we can do. 

    2. We only draw money out of your account in accordance with the terms of your Recuing Payments Request. 

    3. On giving you at least 14 days’ notice, we may: 

    - change our procedures in this agreement. 

    - change the terms of your Recurring Payments Request; or 

    - cancel your Recurring Payments Request. 

    4. You may ask us to: 

    - alter the terms of your Recurring Payments Request. 

    - defer a payment to be made under your Recurring Payments Request. 

    - stop a drawing under your Recurring Payments Request; or 

    - cancel your Recurring Payments Request 

    by giving us 14 days’ notice, either by sending correspondence to QPR Limited P O Box 90 Osborne Park WA 6917 or emailing us at info@qpr.com.au and quoting your QPR Limited account number and setting out the reasons for your request. 

    5. You may dispute any amount we draw under your Recurring Payments Request by: 

    Either sending correspondence to QPR Limited P O Box 90 Osborne Park WA 6917, emailing us at info@qpr.com.au or telephoning us on 1800 007 773. 

    We deal with any dispute under clause 6 of this agreement.

    6. We will attempt to resolve the dispute within 2 working days of its being made. If we cannot resolve the dispute within this time, we will contact you directly or send you a letter telling you what we have done and what other action we intend to take. The dispute will be resolved within 14 days from the date we contact you. 

    7. If the day on which you must make any payment to us is not a business day, we draw on your account under your Recurring Payments Request on the preceding business day. 

    8. If your financial institution rejects any of our attempts to draw an amount in accordance with your Recurring Payments Request, we will notify you in writing and keep seeking to draw the amount until all amounts due to us by you are paid. Note you may also incur a fee from your financial institution. 

    9. We will not disclose to any person any information you give us on your Recurring Payments Request, which is not generally available, unless: 

    - you dispute any amount we draw under your Recurring Payments Request, and we need to disclose any information relating to your Recurring Payments Request and to any amount we draw under it to the financial institution at which your account is held or the financial institution which sponsors our use of the Recurring Payments System or both of them; 

    - you authorise that disclosure under this agreement. 

    - you otherwise consent to that disclosure; or 

    - we are required to disclose that information by law. 

    What you should consider 

    10. Not all accounts held with a financial institution are available to be drawn on under the Recurring Payments System. 

    11. Before you complete your Recurring Payments Request, it is best to check account details against a recent statement from your financial institution to ensure the details on your Recurring Payments Request are completed correctly. 

    12. Please enquire of your financial institution, if you are uncertain when your financial institution processes an amount, we draw under your Recurring Payments Request on a day which is not a business day. 

    13. It is your responsibility to ensure there are sufficient clear funds available in your account, by the due date on which we draw any amount under your Recurring Payments Request, to enable us to obtain payment in accordance with your Recurring Payments Request. 

    4. We request you to direct all requests to stop or cancel your Recurring Payments Request to us or your financial institution; and all enquiries relating to any dispute under Clause 6 of this agreement to us or your financial institution.

  • Download PDF here: ASIC Exemption – QPR Limited

  • Download a PDF: Target Market Determination


  • QPR Limited (ABN 32 082 413 732) (“QPR”) takes its obligations to protect personal information seriously. We are bound by, and will abide by, the Australian Privacy Principles in the Privacy Act (Cth) 1988 ("Privacy Act").

    What you agree to when submitting a loan application, and entering into a loan agreement with QPR?

    By signing an application (or any future application) for insurance premium funding with QPR (the “Application”) you acknowledge that QPR may collect personal information about you (or other relevant persons associated with you) (which may include “sensitive information” as defined in the Privacy Act to assess your application.

    You consent to QPR and its related companies collecting, using or disclosing your personal information for assessing the Application, and if the Application is approved, for the administration of the loan agreement, performing administrative tasks and managing business operations, providing services to you in relation to the loan agreement (if granted) risk assessment, loan management, modelling, and fraud and crime prevention and complying with legislative and regulatory requirements.

    You consent to QPR disclosing your personal information to its related companies, and each of them disclosing your personal information (regardless of how or when that information is collected) to credit reporting agencies, other financial institutions and credit providers, and service providers, to governmental and regulatory organisations and to any person authorised by you to operate the loan agreement, any organisation through whom you choose to make payments to QPR or its related companies, and to any other entity to whom QPR or any of its related companies is required by law, or authorised by you, to disclose your personal information.

    You agree to the transfer of your personal information by QPR and its related companies to organisations overseas for use in connection with any of the purposes authorised by this consent or the Privacy Act.

    You agree to QPR giving to and receiving information about you or the borrower’s credit arrangements and credit worthiness to or from any credit reporting agency or other organisation, provided that the information is given or received to assess an application for credit made to or by QPR or any related companies, to assess you or the borrower’s credit worthiness, in the review of such limits or in the collection of any overdue payments in respect of any credit provided to you.

    Subject to the Privacy Act, you acknowledge that you can seek access to your personal information collected and held by QPR and its related companies, and that you can enquire as to the identity of each related company of QPR, by contacting QPR’s Privacy Officer at the address shown on your application.

    You confirm that if you have provided any personal information about another person they have provided their consent to this and have been or will be informed of the above by you.

    What personal information do we collect and hold?

    We collect and hold a range of personal information from and about people (particularly people who wish to purchase our products or use our services).

    In the process of conducting our business, we are likely to collect a broad range of information about our customers, prospective customers, contractors, suppliers, brokers, introducers, agents, service providers and the people who run the businesses we deal with. This information can include such things as contact details, financial information and supporting documentation (including credit history details), identification information, transaction history information, banking details and personal references. To satisfy our legal obligations, we may need to retain that information even after a transaction has come to an end (subject to our obligations under the Australian Privacy Principles).

    How do we collect personal information?

    Wherever it is possible and practical to do so, we collect personal information directly from the person concerned. For example, we will collect personal information when a person deals with us in person or over the telephone, sends us a letter, e-mail, or fax, or gives or sends us a completed form (such as an application form or guarantee). We also collect personal information we require from third parties. This might occur, for example through your insurance broker or other third party acting on your behalf.

    Why do we collect and hold personal information?

    We collect this information in order to assess your funding application (eg carry out credit checks), or where you have agreed to provide a guarantee, and to undertake and complete the many transactions we have with our customers, suppliers, and other parties with whom we do business. We also collect this information to administer the many products we provide and to maintain the business relationships we have that enable us to carry on our business. Personal information collected may also be used for a secondary purpose (subject to our obligations under the Australian Privacy Principles).

    To what other organisations do we disclose personal information?

    The Australian Privacy Principles allow QPR to share personal information to its related bodies corporate. Separately, in providing and managing our products and services, we contract with other businesses and may disclose personal information to them in the process (eg, bankers, credit insurers). These organisations provide services to QPR and may need access to the personal information we hold to enable them to perform those services. We require these companies to adhere to our strict confidentiality requirements for handling personal information and also seek to ensure that they adhere to the Australian Privacy Principles.

    How do you access the personal information we hold about you.

    We will safeguard all personal information we collect. Personal information is also critical to the business decisions we make, and we rely on the accuracy of information provided to us.

    If you wish to obtain details of your personal information that we hold, or wish to update the information you provide, or wish to make a privacy complaint, please contact QPR at info@qpr.com.au, or call 1800 007 773.

    Privacy complaints will be handled through our normal complaint handling processes, and we will attend to your complaint or request as quickly as possible.

  • Financial Hardship Guidelines

    QPR Limited is committed to helping customers facing financial hardship maintain their insurance premiums. QPR Limited recognises that there are situations that arise that can impact the ability of customers to maintain their financial commitment. These situations may include sudden illness, unemployment, a death of a family member or natural disaster such as fire, flood or drought.

    QPR Limited has an established set of principles that support customers in the event they experience financial hardship throughout the course of their loan commitment. QPR Limited are committed to ensuring the necessary assistance is provided during such a period.

    Together with you and your broker we will review:

    • How your financial situation has changed.

    • Your current funding arrangement and related cover.

    • What measures we can put in place to assist with your loan repayments.

    QPR Limited will work with you to establish a suitable repayment plan and where required, may also apply some of the following outcomes:

    • Restructure a debt.

    • Reduce repayments for a period.

    • Extend a loan term within the insurance policy period.

    Depending on your circumstances, QPR Limited may request additional documentation to support the financial hardship application. QPR Limited will not disclose a financial hardship request with an outside third party except from an authorised broker representative.

    If you are experiencing financial hardship and are having trouble making your loan repayments, please contact QPR Limited on info@qpr.com.au or alternatively via phone 1800 007 773.

    Assistance is also available by calling the National Debt Helpline on 1800 007 007. This is a free independent financial counselling service.

  • Suggestions and Complaints

    At QPR Limited we try to provide the best service for our customers each and every time we have contact. We are continually looking for ways to improve our products and processes and look forward to every opportunity to listen to you, our clients. If you have suggestions on how we can improve our service or a compliment for outstanding service, please let us know by emailing us on info@qpr.com.au or calling on 1800 007 773.

    Complaints

    In the event that our service did not meet your expectations we have an internal dispute resolution process established to help you be heard and to assist in resolving your complaint.

    Your complaint may be made by whatever means suits your needs for example you may complain in writing, via email, by telephone or in person.

    Contact the Complaints Manager:
    Ph: 1800 007 773 Email: info@qpr.com.au

    If the problem cannot be resolved straight away, we will:

    • Acknowledge your complaint within 1 business day.

    • Advise you who is handling your complaint.

    • Keep you informed of progress on a regular basis.

    • Keep a record of your complaint.

    • Attempt to provide a final response within 30 days.

    Escalating a complaint

    If you feel that your complaint was not handled correctly, or you are not happy with the result you may ask for an independent review of your dispute by writing to the:

    Dispute Resolution Manager
    QPR Limited
    PO Box 90
    Osborne Park, WA 6917

    External Dispute Resolution Scheme

    If you still feel that we have not fairly resolved your concern or that you are dissatisfied with how we dealt with your complaint, you may contact:

    Australian Financial Complaints Authority (AFCA)

    Phone: 1800 931 678 Email: info@afca.org.au

    In addition to contacting QPR or AFCA you may contact the Code Compliance Committee (CCC). The CCC is an independent committee that has been established to monitor our compliance with the AFIA Insurance Premium Funding Code of Practice.

    To lodge a complaint with the CCC contact them via email at CCC-IPF@AFIA.asn.au

  • Download the PDF here: Environmental, Social & Governance Policy