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Product Disclosure Statements
It’s important to know what you are covered for. The Real Insurance Product Disclosure Statements are simple and easy to understand.
The Product Disclosure Statements are in PDF format. It’s likely that you already have Adobe Reader installed on your computer, but if you don’t, you must download and install it before you can view the PDS documents.
Life Insurance
- Life Insurance Product Disclosure Statement
- Term Life Cover Product Disclosure Statement
- Life Cover for SMSF Product Disclosure Statement
Resources
- Life Insurance Target Market Determination
- Term Life Cover Target Market Determination
- Life Cover for SMSF Target Market Determination
- Financial Services Guide
- Nomination of Beneficiaries Form
- Term Life Cover Key Fact Sheet
- Life Cover for SMSF Key Fact Sheet
- Life Insurance Calculator
The Nomination of Beneficiaries Form can be completed electronically via the DocuSign website.
Income Protection Insurance
Resources
- Income Protection Insurance Target Market Determination
- Financial Services Guide
- Beneficiaries Nomination Form
The Nomination of Beneficiaries Form can be completed electronically via the DocuSign website.
Funeral Insurance
Resources
The Beneficiaries Nomination Form can be completed electronically via the DocuSign website.
Health Insurance
Resources
Pet Insurance
- Accidental, Premium and Standard Cover Policy Booklet
- Update to Accidental, Premium and Standard Cover Policy Booklet, effective 21 October 2024
- Classic Accident and Illness Cover Policy Booklet
- Update to Classic Accident and Illness Cover Policy Booklet, effective 21 October 2024
Resources
- Premium and Standard Cover Target Market Determination
- Classic Accident and Illness Cover Target Market Determination
- Accidental Cover Target Market Determination (not available for new sales)
- Manage your policy
- Cruciate Form
- Pet Claims Form
- Pre-existing Conditions Review Form
- Code of Practice
- Support for vulnerable customers
Home Insurance
Current Product Disclosure Statement
- Home Insurance (including Contents cover) Product Disclosure Statement – Dated 1 September 2021
- Update pursuant to ASIC Corporations Instrument 2016/1055 – Dated 27 February 2026
- This is to be read in conjunction with your current PDS and is effective from 27 February 2026 for new and existing policies.
- Update pursuant to ASIC Corporations Instrument 2016/1055 – Dated 31 January 2025
- This is to be read in conjunction with your current PDS and is effective for policies with a commencement date or renewal date on or after 31 January 2025.
- Summary of Changes to Home Insurance Product Disclosure Statement – Dated 1 September 2021
Applies to:- New policies issued on or after 1 September 2021
- Existing policies renewing on or after 1 October 2021
Past Product Disclosure Statements
- Home Insurance (including Contents and Landlords cover) Product Disclosure Statement – Dated 1 February 2021
- Summary of Changes to Real Home Insurance Product Disclosure Statement – Dated 1 February 2021
Applies to:- New policies issued on or after 2 March 2021
- Existing policies renewing on or after 1 April 2021
- Home Insurance (including Contents and Landlords cover) Product Disclosure Statement – Dated 10 August 2020
- Summary of Changes to Home Insurance Product Disclosure Statement – Dated 10 August 2020
Applies to:- New policies issued between 10 August 2020 – 1 March 2021
- Existing Home and Landlords Insurance policies renewing between 9 September 2020 – 31 March 2021
- Home Insurance (including Contents and Landlords cover) Supplementary Product Disclosure Statement – Dated 22 April 2020 and Product Disclosure Statement – Dated 25 June 2019
- Summary of Changes to the Product Disclosure Statement – Dated 25 June 2019
Applies to:
New policies issued between 22 April 2020 – 9 August 2020 and- Existing Home Insurance policies renewing between 22 May 2020 – 8 September 2020
- Existing Landlords Insurance policies renewing between 9 May 2020 – 8 September 2020
- Home Insurance (including Contents and Landlords cover) Product Disclosure Statement – Dated 25 June 2019
Applies to:
New policies issued between 1 July 2019 – 21 April 2020 and- Existing Home Insurance policies renewing between 1 August 2019 – 21 May 2020
- Existing Landlords Insurance policies renewing between 1 August 2019 – 8 May 2020
Resources
- Home Insurance Target Market Determination
- Financial Services Guide
- NSW Emergency Services Levy Notice 2022
- Home Key Facts Sheet
- Contents Key Facts Sheet
- Home and Landlords: Premium, Excess & Discount Guide
- Code of Practice
- Duty to Answer Honestly
- Building Calculator
- Australian Financial Complaints Authority
- Understand Insurance
- Insurance Council of Australia
- Support for vulnerable customers
Landlords Insurance
Current Product Disclosure Statement
- Landlords Insurance Product Disclosure Statement – Dated 1 September 2021
- Update pursuant to ASIC Corporations Instrument 2016/1055 – Dated 27 February 2026
- This is to be read in conjunction with your current PDS and is effective from 27 February 2026 for new and existing policies.
- Update pursuant to ASIC Corporations Instrument 2016/1055 – Dated 31 January 2025
- This is to be read in conjunction with your current PDS and is effective for policies with a commencement date or renewal date on or after 31 January 2025.
- Summary of Changes to Home Insurance (including Landlords and Contents cover) Product Disclosure Statement – Dated 1 September 2021
Applies to:- New policies issued on or after 1 September 2021
- Existing policies renewing on or after 1 October 2021
Past Product Disclosure Statements
- Home Insurance (including Contents and Landlords cover) Product Disclosure Statement – Dated 1 February 2021
- Summary of Changes to Real Home Insurance Product Disclosure Statement – Dated 1 February 2021
Applies to:- New policies issued on or after 2 March 2021
- Existing policies renewing on or after 1 April 2021
- Home Insurance (including Contents and Landlords cover) Product Disclosure Statement – Dated 10 August 2020
- Summary of Changes to Home Insurance Product Disclosure Statement – Dated 10 August 2020
Applies to:- New policies issued between 10 August 2020 – 1 March 2021
- Existing Home and Landlords Insurance policies renewing between 9 September 2020 – 31 March 2021
- Home Insurance (including Contents and Landlords cover) Supplementary Product Disclosure Statement – Dated 22 April 2020 and Product Disclosure Statement – Dated 25 June 2019
- Summary of Changes to the Product Disclosure Statement – Dated 25 June 2019
Applies to:
New policies issued between 22 April 2020 – 9 August 2020 and- Existing Home Insurance policies renewing between 22 May 2020 – 8 September 2020
- Existing Landlords Insurance policies renewing between 9 May 2020 – 8 September 2020
- Home Insurance (including Contents and Landlords cover) Product Disclosure Statement – Dated 25 June 2019
Applies to:
New policies issued between 1 July 2019 – 21 April 2020 and- Existing Home Insurance policies renewing between 1 August 2019 – 21 May 2020
- Existing Landlords Insurance policies renewing between 1 August 2019 – 8 May 2020
Resources
- Landlords Insurance Target Market Determination
- Financial Services Guide
- NSW Emergency Services Levy Notice 2022
- Home and Landlords: Premium, Excess & Discount Guide
- Code of Practice
- Duty to Answer Honestly
- Building Calculator
- Australian Financial Complaints Authority
- Understand Insurance
- Insurance Council of Australia
- Support for vulnerable customers
Car Insurance
Current Product Disclosure Statement
- Car Insurance Product Disclosure Statement – Dated 1 September 2021
- Update pursuant to ASIC Corporations Instrument 2016/1055 – Dated 27 March 2026
- This is to be read in conjunction with your current PDS and is effective for policies with a commencement date or renewal date on or after 27 March 2026.
- Update pursuant to ASIC Corporations Instrument 2016/1055 – Dated 27 February 2026
- This is to be read in conjunction with your current PDS and is effective from 27 February 2026 for new and existing policies.
- Update pursuant to ASIC Corporations Instrument 2016/1055 – Dated 31 January 2025
- This is to be read in conjunction with your current PDS and is effective for policies with a commencement date or renewal date on or after 31 January 2025.
- Summary of Changes to Car Insurance Product Disclosure Statement – Dated 1 September 2021
Applies to:- New policies issued on or after 1 September 2021
- Existing policies renewing on or after 1 October 2021
Past Product Disclosure Statements
- Car Insurance Product Disclosure Statement – Dated 1 February 2021
- Summary of Changes to Car Insurance Product Disclosure Statement – Dated 1 February 2021
Applies to:- New policies issued between 2 March 2021 – 31 August 2021
- Existing policies renewing to between 1 April 2021 – 30 September 2021
- Car Insurance Product Disclosure Statement – Dated 25 June 2019
- Summary of Changes to Car Insurance Product Disclosure Statement – Dated 25 June 2019
Applies to:- New policies issued between 1 July 2019 – 1 March 2021
- Existing policies renewing between 1 August 2019 – 31 March 2021
Resources
- Car Insurance Target Market Determination
- Financial Services Guide
- NSW Emergency Services Levy Notice 2022
- Car: Premium, Excess & Discount Guide
- Roadside Assistance Terms & Conditions
- Code of Practice
- Duty to Answer Honestly
- Australian Financial Complaints Authority
- Understand Insurance
- Insurance Council of Australia
- Support for vulnerable customers
Travel Insurance
Resources
Other Products
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If you would like to request a copy of a TMD that isn’t available, please contact us depending on your product.