Policy Documents

Policy Documents


Find everything you need to know about our insurance products, including the Product Disclosure Statements (PDS), Key Fact Sheets (KFS), Premium, Excess, Discount and Options Guides (PED) and Target Market Determinations (TMD).

A Product Disclosure Statement (PDS) explains what you are and are not covered for, what are insured events, any applicable claim limits, all policy exclusions, and the claims process. The PDS is designed to help you decide if an insurance product is what you need. There may also be a Supplementary PDS (SPDS) included with the PDS which updates the PDS. For example, an SPDS may be provided that replaces the Duty of Disclosure with the Duty to take reasonable care not to make a misrepresentation.

A Key Facts Sheet (KFS) provides a summary of some of what a Home or Landlord policy covers or not. The KFS sets out some of the events that are covered and not covered. For full details of the conditions, limits and exclusions on all our cover options please refer to the Product Disclosure Statement.

A Premium, Excess, Discount and Options Guide (PED) provides information about how premiums are calculated, what discounts can be applied to your premiums and how it is applied, when certain excesses need to be paid following certain claims and the options available under your policy. A PED is available for Car Insurance, Home Insurance and Landlord Insurance.

A Target Market Determination (TMD) describes the class of customers for which the products described in a PDS have been designed for, including the key attributes of those products and the customers who are eligible for it. A TMD does not replace the terms and conditions, nor the disclosures made, in a PDS. You should continue to refer to the PDS before deciding to purchase an insurance cover.


If you are a TIO broker client please contact your broker for your applicable policy documents.

Policy Documents

Home


Tropical home deck

Policy Documents

Key Fact Sheets

Latest Guide

Target Market Determination (TMD)

Car & Vehicle


Car couple

Policy Documents

Latest Guide

Target Market Determination (TMD)

Latest Guide

    Landlord


    Tropical home deck

    Policy Documents

    • Territory Landlord Insurance

      (for policies which have a renewal effective date between 16 May 2020 and 4 April 2021)

    • Territory Landlord Insurance

      (for policies which have a renewal effective date between 5 April 2021 and 4 October 2021 or new policies which have an effective date between 22 February 2021 and 4 October 2021)

    • Territory Landlord Insurance

      (for policies which have a renewal effective date between 5 October 2021 and 21 November 2021 or new policies which have an effective date between 5 October 2021 and 20 November 2021)

    • Territory Landlord Insurance

      (for policies which have a renewal effective date from 22 November 2021 or new policies which have an effective date from 21 November 2021)

    Latest Guide

    Landlord
    Continued

    Business
    Business Insurance Pack

    Boutique store

    Policy Documents

    Target Market Determination (TMD) - applicable to the Commercial Vehicle section of the Business Insurance Pack only

    Business
    Trades & Services

    Boutique store

    Policy Documents

    • Trades & Services Pack

      (for policies which have an effective date between 1 November 2020 and 19 November 2020) (not available online)

    • Trades & Services Pack

      (for policies which have an effective date between 20 November 2020 and 4 April 2021) (not available online)

    • Trades & Services Pack

      (for policies which have an effective date between 5 April 2021 and 24 September 2021)

    • Trades & Services Pack

      (for policies effective from 25 September 2021)

    Target Market Determination (TMD) - applicable to the Commercial Motor section of the Trades & Services Pack only

    Business
    Office Pack

    Boutique store

    Policy Documents

    • Office Pack

      (for policies which have an effective date between 27 May 2020 and 4 April 2021) (not available for online purchase)

    • Office Pack

      (for policies which have an effective date between 5 April 2021 and 24 September 2021) (not available for online purchase)

    • Office Pack

      (for policies effective from 25 September 2021) (not available for online purchase)

    Target Market Determination (TMD) - applicable to the Commercial Motor section of the Office Pack only

    Business
    Workers Compensation

    Boutique store

    Policy Documents

    Business
    Commercial Motor

    Boutique store

    Policy Documents

    Target Market Determination (TMD)

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