Last updated: 12/2/2025

Welcome to Murphy’s Cover.
By accessing or using this website, you agree to the following terms and conditions.

1. About Us
Murphy’s Cover is a pet insurance enquiry service operated under ABN 45 130 454 631. We help users explore pet insurance options and connect with third-party providers. We do not provide insurance products directly.

2. No Financial Advice
Murphy’s Cover does not provide financial, insurance, or personal advice. Any information provided on this website is general in nature and does not take into account your individual objectives, financial situation, or needs. You should consider whether any product is appropriate for your circumstances and seek independent advice if required.

3. Our Role
By submitting your details through this website, you agree that Murphy’s Cover may: * collect and store your information * share your details with relevant pet insurance providers or partners * contact you regarding your enquiry Murphy’s Cover does not guarantee that you will receive a quote, policy, or specific outcome.

4. Third-Party Providers
Any insurance products or services are provided by third-party providers. Murphy’s Cover is not responsible for: * the content, accuracy, or availability of third-party offers * any advice, recommendations, or policies issued by providers * any decisions made by providers Your interaction with any provider is solely between you and that provider.

5. Fees and Commissions
Murphy’s Cover may receive a referral fee or commission from providers if you choose to proceed with them. This does not affect the price you pay.

6. Accuracy of Information
You agree to provide accurate and complete information when submitting an enquiry. Murphy’s Cover is not responsible for outcomes resulting from incorrect or incomplete information.

7. Website Use
You agree not to misuse this website or use it for unlawful purposes. We may update or modify the website at any time without notice.

8. Limitation of Liability
To the maximum extent permitted by law, Murphy’s Cover is not liable for any loss, damage, or claim arising from: * use of this website * reliance on information provided * interactions with third-party providers.

9. Privacy
Your use of this website is also governed by our Privacy Policy, which outlines how we collect, use, and store your information.

10. Changes to These Terms
We may update these Terms and Conditions from time to time. Continued use of the website constitutes acceptance of any changes.

11. Contact
If you have any questions, please contact:
Murphy’s Cover Email: enquiries@murphyscover.com
Location: Queensland, Australia