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IMPORTANT NOTICE: Travel insurance policies purchased after 11:59PM AEDT on 12 November 2024 will not cover losses arising from the eruption of Indonesia’s Mount Lewotobi Laki Laki, as it is now widely reported. However, policies purchased before this date may still offer coverage, subject to the terms of the policy.
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battleface and Butter Insurance Unite to Transform Australia’s Travel Insurance Scene Targeting Young Australians

SYDNEY, Australia, April 9th, 2024 — In an exciting development for the Australian travel insurance sector, battleface, renowned for its modular and flexible insurance solutions, is proud to announce a strategic partnership with award-winning Butter Insurance, an innovative insurer making waves in the Insurtech industry, focused on serving the needs of young people.

This collaboration is set to redefine the travel insurance experience, offering customised, tech-driven solutions tailored to the modern traveller. battleface brings to the table its expertise in creating modular insurance products that cater to a wide range of traveller needs, from basic coverage to comprehensive plans. Butter Insurance, co-founded by dynamic entrepreneurs Cassie Bell and Steph Skevington, is celebrated for its commitment to simplifying insurance for young Australians, leveraging technology to create user-friendly, accessible products.

Butter Insurance was born from a candid conversation at a house party, where the founders shared frustrations over the existing insurance market’s failure to cater to the needs of young people. Motivated by a desire to simplify the insurance process and introduce flexible, affordable, and accessible products, they identified a significant gap in the market for user-friendly options tailored to the digital generation. Determined to fill this void, Butter emerged as a tech-driven solution aimed at streamlining the insurance experience.

By offering straightforward, customisable options, Butter has redefined what insurance looks like for young Australians, making it not just a necessity but an integral part of their digitally connected lifestyle.

“Our partnership with Butter Insurance is a perfect match of values and vision,” says Matt McLellan, battleface Managing Director Australia. “Together, we’re looking to revolutionise travel insurance by making it more adaptable, intuitive, and aligned with the digital age.” Butter Insurance’s co-founders, Cassie Bell and Steph Skevington, commented, “Joining forces with battleface enables us to expand our product offerings and tap into specialised markets such as travel insurance, leveraging their robust infrastructure and shared commitment to innovation.”

“Our dual product offering is specifically designed to cater to the dynamic needs of young Australians, providing them with essential coverage for daily life as well as unique, one-off situations, like travel. We’re not just selling insurance; we’re creating solutions that resonate with the lifestyles and passions of young people. Whether it’s an Asia/Pacific venture or an adventurous trip to South America with a DSLR in tow, we ensure our customers have access to customisable cover – ample, but never excessive,” says Cassie Bell, Co-Founder of Butter Insurance.

This partnership promises to deliver a dual product offering that not only meets the day-to-day insurance needs of young Australians but also provides them with the peace of mind they deserve while exploring the world.

“At Butter, as co-founders of a burgeoning startup, we immerse ourselves in every facet of our operation—from product development and marketing to forging partnerships that resonate with our mission to become the preferred insurer for the youth. Partnering with battleface was an intuitive choice for us, driven by our admiration for their robust customer service infrastructure, including Robin Assist, and their unwavering dedication to innovation and redefining insurance norms. This alliance not only broadens our spectrum of offerings but also empowers us to leverage battleface’s profound expertise to enhance our travel insurance solutions, addressing the need for specialised coverage. It’s a strategic move to amplify Butter’s reach and impact,” explains Steph Skevington, Co-Founder of Butter Insurance.

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FRAUD WARNING STATEMENT

FOR RESIDENTS OF ALL STATES OTHER THAN THOSE LISTED BELOW: Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or knowingly presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison.

ALASKA: A person who knowingly and with intent to injure, defraud, or deceive an insurance company files a claim containing false, incomplete, or misleading information may be prosecuted under state law.

ARIZONA: For your protection Arizona law requires the following statement to appear on this form. Any person who knowingly presents a false or fraudulent claim for payment of a loss is subject to criminal and civil penalties.

CALIFORNIA: For your protection California law requires the following to appear on this form: Any person who knowingly presents false or fraudulent information to obtain or amend insurance coverage or to make a claim for the payment of a loss is guilty of a crime and may be subject to fines and confinement in state prison. 

COLORADO:  It is unlawful to knowingly provide false, incomplete, or misleading facts or information to an insurance company for the purpose of defrauding or attempting to defraud the company. Penalties may include imprisonment, fines, denial of insurance and civil damages. Any insurance company or agent of an insurance company who knowingly provides false, incomplete, or misleading facts or information to a policyholder or claimant for the purpose of defrauding or attempting to defraud the policyholder or claimant with regard to a settlement or award payable from insurance proceeds shall be reported to the Colorado division of insurance within the department of regulatory agencies.

DELAWARE: Any person who knowingly, and with intent to injure, defraud or deceive any insurer, files a statement of claim containing any false, incomplete or misleading information is guilty of a felony.

FLORIDA:  Any person who knowingly and with intent to injure, defraud, or deceive any insurer files a statement of claim or an application containing any false, incomplete, or misleading information is guilty of a felony of the third degree.

IDAHO: Any person who knowingly, and with intent to defraud or deceive any insurance company, files a statement of claim containing any false, incomplete, or misleading information is guilty of a felony.

INDIANA: A person who knowingly and with intent to defraud an insurer files a statement of claim containing any false, incomplete, or misleading information commits a felony.

KANSAS: A “fraudulent insurance act” means an act committed by any person who, knowingly and with intent to defraud, presents, causes to be presented or prepares with knowledge or belief that it will be presented to or by an insurer, purported insurer, broker or any agent thereof, any written, electronic, electronic impulse, facsimile, magnetic, oral, or telephonic communication or statement as part of, or in support of, an application for the issuance of, or the rating of an insurance policy for personal or commercial insurance, or a claim for payment or other benefit pursuant to an insurance policy for commercial or personal insurance which such person knows to contain materially false information concerning any fact material thereto; or conceals, for the purpose of misleading, information concerning any fact material thereto.

KENTUCKY: 

Application: Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance containing any materially false information or conceals, for the purpose of misleading, information concerning any fact material thereto commits a fraudulent insurance act, which is a crime.

Claim Form: Any person who knowingly and with intent to defraud any insurance company or other person files a statement of claim containing any materially false information or conceals, for the purpose of misleading, information concerning any fact material thereto commits a fraudulent insurance act, which is a crime.

MAINE: It is a crime to knowingly provide false, incomplete or misleading information to an insurance company for the purpose of defrauding the company. Penalties may include imprisonment, fines or a denial of insurance benefits.

MARYLAND:  Any person who knowingly or willfully presents a false or fraudulent claim for payment of a loss or benefit or who knowingly or willfully presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison.

MINNESOTA:  A person who files a claim with intent to defraud or helps commit a fraud against an insurer is guilty of a crime.

NEW HAMPSHIRE: Any person who, with a purpose to injure, defraud, or deceive any insurance company, files a statement of claim containing any false, incomplete, or misleading information is subject to prosecution and punishment for insurance fraud, as provided in RSA 638:20.

NEW JERSEY:

Application: Any person who includes any false or misleading information on an application for an insurance policy is subject to criminal and civil penalties.

Claim Form: Any person who knowingly files a statement of claim containing any false or misleading information is subject to criminal and civil penalties.

PENNSYLVANIA: Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance or statement of claim containing any materially false information or conceals for the purpose of misleading, information concerning any fact material thereto commits a fraudulent insurance act, which is a crime and subjects such person to criminal and civil penalties.

NEW MEXICO: ANY PERSON WHO KNOWINGLY PRESENTS A FALSE OR FRAUDULENT CLAIM FOR PAYMENT OF A LOSS OR BENEFIT OR KNOWINGLY PRESENTS FALSE INFORMATION IN AN APPLICATION FOR INSURANCE IS GUILTY OF A CRIME AND MAY BE SUBJECT TO CIVIL FINES AND CRIMINAL PENALTIES.

OHIO: Any person who, with intent to defraud or knowing that he is facilitating a fraud against an insurer, submits an application or files a claim containing a false or deceptive statement is guilty of insurance fraud.

OKLAHOMA: Any person who knowingly, and with intent to injure, defraud or deceive any insurer, makes any claim for the proceeds of an insurance policy containing any false, incomplete or misleading information is guilty of a felony.

OREGON: IMPORTANT NOTE: Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or knowingly presents false information in an application for insurance may be guilty of a crime and may be subject to fines and confinement in prison.

TENNESSEE: It is a crime to knowingly provide false, incomplete or misleading information to an insurance company for the purpose of defrauding the company. Penalties include imprisonment, fines and denial of insurance benefit.

TEXAS: Any person who knowingly presents a false or fraudulent claim for payment of a loss is guilty of a crime and may be subject to fines and confinement in state prison. 

VIRGINIA: It is a crime to knowingly provide false, incomplete or misleading information to an insurance company for the purpose of defrauding the company. Penalties include imprisonment, fines and denial of insurance benefits. 

WASHINGTON: It is a crime to knowingly provide false, incomplete or misleading information to an insurance company for the purpose of defrauding the company. Penalties include imprisonment, fines and denial of insurance benefits.

NEW YORK*:  Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance or statement of claim containing any materially false information, or conceals for the purpose of misleading, information concerning any fact material thereto, commits a fraudulent insurance act, which is a crime, and shall also be subject to a civil penalty not to exceed five thousand dollars and the stated value of the claim for each such violation.