Product Disclosure Statements (PDS) and Policy Wordings


Please select the relevant Key Fact Sheet, Product Disclosure Statements or Premiums, Excesses, Discounts and Claim Payments guide to view or download.

Personal Insurance Type

PDS or Policy Wordings

Premium, Excesses, Discounts & Claim Payments Guide

Car Insurance

 Car Insurance PDS

Effective for policies purchased
on or after 3rd September, 2013
or renewing on or after the 13th October, 2013.
 

 Update Pursuant to ASIC Class Order 03/237

Effective for all policies whenyou buy, extend, vary or reinstate your
policy on or after 16 November 2015 or if you renew on or after
28 December 2015. It is to be read in conjunction with your
current PDS and SPDS.
 

 Car Insurance SPDS

Effective for policies purchased on or after 29 July, 2015 or renewing on or after 26 August,2015.
 
Car Insurance SPDS
 
Effective for policies purchased on or after 13th October 2014 to 28 July, 2015 or renewing on or after 10th November, 2014 to 25th August, 2015.

 Car Insurance PED Guide

This guide is relevant to you if your policy has a commencement date
on or after 29 July 2015 or renewal effective date on or after
26th August, 2015.

Car Insurance PED Guide

This guide is relevant to you if your policy has a commencement date
on or after 13th March, 2015 to 28th July, 2015 or renewal date on or after 
13th March, 2015 to 25th August, 2015.

Car Insurance PED Guide

This guide is relevant to you if your policy has a commencement date
on or after 13th October, 2014 or
renewal effective date on or after
10th November, 2014.

Car Insurance PED Guide
This guide is relevant to you if your policy has a commencement date
on or after 3rd September, 2013 or renewal effective date on or after
13th October, 2013.
CTP Insurance NSW CTP Insurance Driver Cover Plus Document

NSW CTP Green Slip Information
 
Home & Contents Insurance Home & Contents Insurance PDS
Effective for policies purchased
on or after 3rd September, 2013
or renewing on or after the 13th October, 2013.
 

 Update Pursuant to ASIC Class Order 03/237

Effective for all policies whenyou buy, extend, vary or reinstate your
policy on or after 16 November 2015 or if you renew on or after
28 December 2015. It is to be read in conjunction with your
current PDS and SPDS.
 
Home & Contents Insurance SPDS
Effective for policies purchased
on or after 13th October 2014 or renewing on or after 10th
November 2014.

Key Fact Sheet - Home Building

 Key Fact Sheet - Home Contents
Home & Contents Insurance
PED Guide
This guide is relevant to you if your policy has a commencement date
on or after 3rd September, 2013 or renewal effective date on or after
13th October, 2013.
Landlord Insurance Landlord Insurance PDS
Effective for policies purchased
on or after 3rd September, 2013
or renewing on or after the 13th October, 2013.
 

 Update Pursuant to ASIC Class Order 03/237

Effective for all policies whenyou buy, extend, vary or reinstate your
policy on or after 16 November 2015 or if you renew on or after
28 December 2015. It is to be read in conjunction with your
current PDS and SPDS.

Landlord Insurance SPDS
Effective for policies purchased
on or after 13th October 2014 or renewing on or after 10th
November 2014.
Landlord Insurance PED Guide
This guide is relevant to you if your policy has a commencement date
on or after 3rd September, 2013 or renewal effective date on or after
13th October, 2013.
Strata Insurance Strata Insurance PDS
Effective for policies purchased
on or after 3rd September, 2013
or renewing on or after the 13th October, 2013.

Update Pursuant to ASIC Class Order 03/237
Effective for all policies whenyou buy, extend, vary or reinstate your
policy on or after 16 November 2015 or if you renew on or after
28 December 2015. It is to be read in conjunction with your
current PDS and SPDS.

Strata Insurance SPDS
Effective for policies purchased
on or after 13th October 2014 or renewing on or after 10th
November 2014.
Strata Insurance PED Guide
This guide is relevant to you if your policy has a commencement date
on or after 3rd September, 2013 or renewal effective date on or after
13th October, 2013.
Boat Insurance Boat Insurance PDS
Effective for policies purchased
on or after 3rd September, 2013
or renewing on or after the 13th October, 2013.

Update Pursuant to ASIC Class Order 03/237
Effective for all policies whenyou buy, extend, vary or reinstate your
policy on or after 16 November 2015 or if you renew on or after
28 December 2015. It is to be read in conjunction with your
current PDS and SPDS.

Boat Insurance SPDS
Effective for policies purchased
on or after 13th October 2014 or renewing on or after 10th
November 2014.
Boat Insurance PED Guide
This guide is relevant to you if your policy has a commencement date
on or after 1 July, 2014 or renewal effective date on or after
28 July, 2014.
 
Boat Insurance PED Guide
This guide is relevant for policies
that commenced between 3rd September, 2013 and 30 June, 2014 or if your policy was due for renewal between 13 October, 2013 and
27th July, 2014.
Caravan Insurance Caravan Insurance PDS
Effective for policies purchased
on or after 3rd September, 2013
or renewing on or after the 13th October, 2013.

Update Pursuant to ASIC Class Order 03/237
Effective for all policies commencing or renewing on or after 18 March 2016.
It is to be read in conjunction with your current PDS and SPDS.

Update Pursuant to ASIC Class Order 03/237
Effective for all policies whenyou buy, extend, vary or reinstate your
policy on or after 16 November 2015 or if you renew on or after
28 December 2015. It is to be read in conjunction with your
current PDS and SPDS.

Caravan Insurance SPDS
Effective for policies purchased on or after 14th August 2015 or renewing on or after 11th September 2015.
 
  Caravan Insurance SPDS
Effective for policies purchased
on or after 13th October 2014 or renewing on or after 10th
November 2014.
Caravan Insurance PED Guide
This guide is relevant to you if your policy has a commencement date
on or after 1 July, 2014 or renewal effective date on or after
28 July, 2014.

Caravan Insurance PED Guide
This guide is relevant for policies
that commenced between 3rd September, 2013 and 30th June, 2014 or if your policy was due for renewal between 13 October, 2013 and 27 July, 2014.
Motorcycle Insurance Motorcycle Insurance PDS
Effective for policies purchased
on or after 3rd September, 2013
or renewing on or after the 13th October, 2013.

Update Pursuant to ASIC Class Order 03/237
Effective for all policies whenyou buy, extend, vary or reinstate your
policy on or after 16 November 2015 or if you renew on or after
28 December 2015. It is to be read in conjunction with your
current PDS and SPDS.

Motorcycle Insurance SPDS
Effective for policies purchased
on or after 13th October 2014 or renewing on or after 10th
November 2014.
Motorcycle Insurance PED Guide
This guide is relevant to you if your policy has a commencement date on or after 1st July, 2014 or renewal effective date on or after
28 July, 2014.
 
Motorcycle Insurance PED Guide
This guide is relevant for policies
that commenced between 3rd September, 2013 and 30th June, 2014 or if your policy was due for renewal between 13 October, 2013 and 27 July, 2014.
Holiday Travel Insurance

 Holiday Travel PDS

 Update Pursuant to ASIC Class Order 03/237
Effective for all policies when you buy, extend, vary or reinstate your policy on or after 16 November 2015. It is to be read in conjunction with your current PDS and SPDS.

 Holiday Travel Class Order
For policies commencing on or after 31 August 2015.

Holiday Travel SPDS
For policies commencing on or after 01 February 2015.

 Holiday Travel SPDS
For policies commencing on or after
01 October, 2014 until
31 January 2015.

 Holiday Travel SPDS
For policies commencing on or after
31 January, 2014 until
30 September, 2014.

 Holiday Travel SPDS
For policies commencing
01 July, 2013 to 30 January, 2014.

 Holiday Travel SPDS
For policies commencing
01 October, 2012 to 30 June, 2013.

Holiday Travel Insurance PED Guide
Premium and Excess Guide – for policies from 7th July, 2014
Annual Multi-Trip Travel Insurance

 Annual Travel PDS

 Update Pursuant to ASIC Class Order 03/237
Effective for all policies when you buy, extend, vary or reinstate your policy on or after 16 November 2015 or if you renew on or after 28 December 2015. It is to be read in conjunction with your current PDS and SPDS.

 Annual Travel Class Order
For policies commencing on or after 31 August 2015.

Annual Travel SPDS
For policies commencing on or after
01 February 2015 or renewing on or after 01 February 2015.

Annual Travel SPDS
For policies commencing on or after
01 October, 2014 or renewing on or after 01 November, 2014 until
31 January 2015.

Annual Travel SPDS
For policies commencing on or after
31 January, 2014 or renewing in or after 31 January 2014, until
30 September 2014.

 Annual Travel SPDS
For policies commencing
01 July, 2013 to 30 January, 2014.
 

 Annual Travel SPDS
For policies commencing
01 October, 2012 to 30 June, 2013.

Annual Multi-Trip Travel Insurance
PED Guide
For policies renewing or commencing on or after 7th
July, 2014.
Policies purchased prior to the 3rd September 2013 or renewed prior to the 13th October 2013
Motor Vehicle Insurance
Includes cars, motor cycles and caravans
Motor PDS

Motor SPDS
(Effective from 2 May, 2013)
GIO Motor Vehicle Insurance
PED Guide
For policies commencing or renewing on or after 1 July, 2013.

Previous Versions

Motor Guide
For policies commencing or renewing on or after 17 January, 2013 to 30 June, 2013.

Motor Guide
For policies commencing or renewing on or after 1 May, 2012 to 16 January, 2013.
Classic Home & Contents Classic PDS

Classic SPDS
(For policies commencing or renewing 12 November, 2012 to 30 June, 2013)

Classic SPDS
(Effective from 2 May, 2013)
Classic Guide
For policies commencing or renewing on or after 1 July, 2013.

Previous Versions

Classic Guide
For policies commencing or renewing from 14 December, 2011 to 30 June, 2013.
55UP Home & Contents 55UP PDS

55UP SPDS
(For policies commencing or renewing 12 November, 2012 to 30 June, 2013)

55UP SPDS
(Effective from 2 May, 2013)
55UP Guide
For policies commencing or renewing on or after 1 July, 2013.

Previous Versions

55UP Guide
For policies commencing or renewing on or after 14 December, 2011 to 30 June, 2013.
Platinum Home & Contents Platinum PDS

Platinum SPDS
(For policies commencing or renewing 12 November, 2012 to 30 June, 2013)

Platinum SPDS
(Effective from 2 May, 2013)
Platinum Guide
For policies commencing or renewing on or after 1 July, 2013.


Previous Versions

Platinum Guide

For policies commencing or renewing from 14 December, 2011. to 30 June, 2013.
Investor Home & Contents Investor PDS

 Investor SPDS
(For policies commencing or renewing 12 November, 2012 to 30 June, 2013)

Investor SPDS
(Effective from 2 May, 2013)
Investor Guide
For policies commencing or renewing on or after 1 July, 2013.

Previous Versions

Investor Guide
For policies commencing or renewing from 17 September, 2010 to 30 June, 2013.
Top Strata Residential Top Strata PDS

Top Strata SPDS
(For policies commencing or renewing 12 November, 2012 to 30 June, 2013)

Top Strata SPDS
(Effective from 2 May, 2013)
Top Strata Guide
For policies commencing or renewing on or after 1 July, 2013.

Previous Versions

 Top Strata Guide
For policies commencing or renewing from 17 September, 2010 to 30 June, 2013.
Boat Insurance Boat PDS

Boat SPDS
(Effective from 2 May, 2013)
Boat Guide
For policies commencing or renewing on or after 1 July, 2013.

Previous Versions

Boat Guide
For policies commencing or renewing on or after 25 April, 2011 to 30 June, 2013.


 

Business Insurance Type

PDS or Policy Wordings

Links to further information

Business Protect PDS
For policies purchased on or after 14 November 2015, or renewing on or after 2 March 2016
 Further information
Retail Business Protect PDS
For policies purchased on or after 14 November 2015
 Further information
Mobile Business Protect PDS Further information
Professional Business Protect PDS
For policies purchased on or after 14 November 2015, or renewing on or after 30 December 2015
 Further information
Business Insurance for Professionals

PDS
For policies purchased prior to 14 November 2015, or renewing prior to 30 December 2015

SPDS
(Effective from 5 March, 2014)

 
Business Insurance PDS
For policies purchased prior to 18 January 2016, or renewing prior to 2 March 2016

SPDS
(Effective from 5 March, 2014)
 
Professional Indemnity Policy Wordings Further information
Motor Trade Business Protect PDS
For policies purchased on or after 18 January 2016, or renewing on or after 2 March 2016
 
Management Liability  Policy Wordings  
Medical Malpractice Civil Liability  Policy Wordings  
Association Liability Policy Wordings  
Trade Insurance

PDS
For policies purchased prior to 18 January 2016, or renewing prior to 2 March 2016


SPDS
(Effective from 5 March, 2014)

 
Commercial Motor Protect

PDS
For policies purchased on or after 18 January 2016, or renewing on or after 17 April 2016

 
Commercial Motor Vehicle

PDS
For policies purchased prior to 18 January 2016, or renewing prior to 17 April 2016

SPDS
(Effective from 5 March, 2014)

 
Motor Fleet PDS  
Public Liability Insurance Policy Wordings  
Not for Profit Organisation Insurance

Policy Wordings
For policies purchased on or after 18 January 2016, or renewing on or after 2 March 2016

Policy Wordings
For policies purchased prior to 18 January 2016, or renewing prior to 2 March 2016

Further information
 

Insurance Type

PDS and Policy Documents

Links for further information

Life Protect - Life Insurance

PDS

 

Policy Document
Life Protect Product Information
Funeral Insurance

Funeral Plan
Combined PDS and Policy Document (Effective from 20 October, 2014)
PDS
Funeral Insurance Product Information
Accidental Injury Plan – Accidental Injury Insurance PDS

 

Policy Document
Accidental Injury Plan Product Information
Accidental Death Plan – Accidental Death Insurance PDS

 

Policy Document
Accidental Death Plan Product Information
Bill Protect   Combined PDS and Policy Document  Bill Protect Product Information
 

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