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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.
Car Insurance
- Car Insurance Product Disclosure Statement
(Applies to new policies purchased on or after 1 July 2019 and existing policies renewing on or after 1 August 2019) - Car Insurance Product Disclosure Statement (including Supplementary Product Disclosure Statement) – Dated 1 September 2015
(Applies to new policies purchased between 1 September 2015 – 30 June 2019 and existing policies renewing between 1 September 2015 – 31 July 2019) - Changes to your policy (For PDS Dated 25 June 2019)
Resources
- Financial Services Guide
- Updates to the NSW Emergency Service Levy
- Car: Premium, Excess & Discount Guide
- Roadside Assistance Terms & Conditions
- Code of Practice
- Duty of Disclosure
- Australian Financial Complaints Authority
- Understand Insurance
- Insurance Council of Australia
Home and Landlord Insurance
- Summary of changes to the Product Disclosure Statement (PDS)
- Home Insurance (including Contents and Landlords cover) PDS (dated 10 August 2020)
Applies to:- New policies issued on or after 10 August 2020
- Existing Home and Landlords Insurance policies renewing on or after 9 September 2020
- Home Insurance (including Contents and Landlords cover) Supplementary PDS (dated 22 April 2020) and PDS (dated 25 June 2019)
- Summary of changes to the Product Disclosure Statement (PDS)
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) PDS (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
- Home Insurance (including Contents and Landlords cover) PDS (dated 1 October 2015)
(Applies to new policies issued between 1 October 2015 – 30 June 2019 and existing policies renewed between 1 October 2015 – 31 July 2019)
Resources
- Financial Services Guide
- Home Key Facts Sheet
- Contents Key Facts Sheet
- Home and Landlords: Premium, Excess & Discount Guide
- Code of Practice
- Duty of Disclosure
- Building calculator
- Australian Financial Complaints Authority
- Understand Insurance
- Insurance Council of Australia
Life Insurance
Resources
- Financial Services Guide
- Beneficiaries Form
- Family Life Cover Key Fact Sheet
- Life Insurance Calculator
- Life Insurance eBook
Income Protection Insurance
- Income Protection Product Disclosure Statement
- Income Protection Accident Only Product Disclosure Statement
Resources
- Financial Services Guide
- Beneficiaries Nomination Form
- Income Protection Key Fact Sheet
- Income Protection Accident Only Key Fact Sheet
Pet Insurance
- Premium and Standard Accident and Illness Cover Policy Booklet
- Classic Accident & Illness Cover Policy Booklet
Resources
Funeral Insurance
- Guaranteed Funeral Insurance Flexi Plus Product Disclosure Statement
- Guaranteed Funeral Insurance Flexi Product Disclosure Statement
Resources
- Financial Services Guide
- Beneficiaries Nomination Form
- Guaranteed Funeral Insurance Flexi Key Fact Sheet
- Guaranteed Funeral Insurance Flexi Plus Key Fact Sheet
Travel Insurance
Resources
- Travel advice for countries and events
- Australian Passport Office
- Register your travel plans
- Visas for Australians travelling overseas