Social media house rules

To maintain a constructive user experience on our social media channels, we’ve created a set of house rules for users to follow.

These rules apply to all TIO social media channels, including:


facebook youtube


By using these social media channels, you agree to act in accordance with our house rules.

To learn more about your obligations when using our website and social media channels, see our full Terms of use.


What are the rules?


Any user-generated comments and content posted to our social media channels doesn’t necessarily represent the opinions of TIO. We reserve the right to hide, moderate or remove comments and content we consider a breach of our house rules. This includes, but is not limited to, any comment or content which, in our opinion:

  • could be considered violent, discriminatory, abusive, threatening, defamatory, obscene, false, fraudulent, trolling, spamming, deceptive or misleading, confidential, or commercially sensitive.
  • makes negative references to any third parties outside TIO.
  • violates the intellectual property rights of another.
  • violates any law or regulation, or includes discussion of illegal activity.
  • includes personal or private information, or has the intent to solicit an individual’s private information without their consent.
  • identifies our employees without their consent.
  • involves an argument between users on our Facebook page, or is meant to solicit a negative response from other users.
  • has been posted by our employees without authorisation.
  • is considered inappropriate in any other way, or is contrary to the purposes of the forum, or doesn’t add any new value to the original post.

On Facebook, we’ve added a filter to detect and automatically remove posts that contain offensive words and language. Otherwise, where we consider a comment to be in breach of our house rules, we’ll aim to remove it as quickly as possible.

Users who breach our house rules will be blocked from accessing our social media channels, and will need to submit future enquiries through the Contact us page, through our call centre,
or by calling 131 846


Hours of service

We’re here to support our customers and partners, and welcome your comments and queries. We’ll be available to respond between the following hours:

Contact centre

Monday to Friday - 8am to 6pm


All other departments (incl claims enquiries)

Monday to Friday - 8am to 5pm


If you have purchased your TIO insurance policy through a broker please call your broker to discuss your policy.

Exceptions may apply for specific public holidays or due to unforeseen circumstances, where we’ll post a notice of our impacted operating hours to the affected social media channels.


Making a Claim

You can make a claim online or call 131 846 Monday to Friday between 8am to 6pm.


Making a Complaint

If you’re dissatisfied with our products, services, or overall experience please contact us or submit your complaint online.

Learn more about our Complaints and Disputes Resolution Process.


Your Privacy

Protecting your privacy is of paramount importance to us, and we collect and handle your personal information, including any social media communications you send us, in accordance with our Privacy Policy.




We understand the unique conditions faced in the Territory

TIO is based in Darwin and our strength lies in our solid understanding of the conditions faced within the Territory year after year.

Find out more


Talk to a local
Our contact centre and claims teams live and work in the Territory, so we know Territory conditions.
Trusted since 1979
TIO was established in 1979 to offer Territorians a range of insurance options to choose from. We're as committed and passionate about the Northern Territory as you are.