Win $20,000 for the trip of a lifetime! APIA

WHO CAN ENTER?The Competition is only open to individuals who: (i) are Australian residents aged 18 years or older at time of entry; and (ii) are not directors, management or employees, or their immediate family members, of the Promoter or its related companies or agencies associated with the Competition ("Eligible Entrant").
PROMOTIONAL PERIOD:
Competition entry commences at 12:01pm on 07/08/2015 and closes at 11.59am on 13/11/2015 ("Entry Period"). Except as otherwise stated, all times are Sydney time.
HOW TO ENTER:
To enter the Competition, an Eligible Entrant must, during the Entry Period:
Visit the Competition Website, apply for and receive an Eligible Insurance Quote from the Promoter. The Promoter's normal underwriting criteria apply.  An Eligible Entrant will receive one entry for each risk quoted on the Eligible Insurance Quote: (for the avoidance of doubt, a building and contents Eligible Insurance Quote constitutes one risk for the purposes of this Competition); or
Call the Promoter on 13 50 50 and obtain an Eligible Insurance Quote. The Promoter's normal underwriting criteria apply. The Eligible Entrant must provide all details required by the Promoter.  An Eligible Entrant will receive one entry for each risk quoted on the Eligible Insurance Quote (for the avoidance of doubt, a building and contents Eligible Insurance Quote constitutes one risk for the purposes of this Competition); or
Purchase a new Eligible Insurance Policy. An Eligible Entrant will receive five entries for each risk insured (i.e. vehicle or insured address) under the new Eligible Insurance Policy. For the avoidance of doubt, a building and contents Eligible Insurance Policy constitutes one risk for the purposes of this Competition.  The Promoter's normal underwriting criteria apply. An existing customer of the Promoter will not receive any entries into the Competition for renewing an existing insurance policy. 
Hold both a fully paid Apia Home Insurance Policy and a fully paid Apia Motor Insurance Policy at the conclusion of the competition (11.59am 13th November 2015) and not opted out of receiving Apia marketing communications to automatically receive one entry into the Competition.
PRIZE:
Major prize:There is one major prize to be won. The first valid entry randomly drawn in the major prize draw will win the major prize, which is a $15,000 allowance to use towards travel arrangements with TravelEdge Holidays and a $5,000 cash transfer to the winner's bank account. The travel voucher must be fully used by 30th June 2017. The Promoter and TravelEdge Holidays make no representation as to the safety conditions or any other conditions that may exist at any destination. International travel advice can be obtained from various sources, including government, local consular offices, and the website of the Australian Department of Foreign Affairs and Trade. It is the Major Prize Winner's, and their travel partner's, personal responsibility to ensure that they have valid documentation, including but not limited to valid passports, visas, and health requirements, which meet the requirements of immigration and other government authorities at every destination.  Any fines, penalties, payments or expenditures incurred as a result of such documents not meeting the requirements of those authorities will be the sole responsibility of the Major Prize Winner, and their travel partner