Policy Documents

Product Disclosure Statements

Our Product Disclosure Statements (PDSs) have three parts:

The applicable PDS is dependent on which product you have chosen, and what specific covers you have chosen.

To determine what specific covers you have chosen, refer to: "What's Covered" in your policy schedule

You may download your applicable policy documents in PDF format below:

• Business Insurance

  Information about your policy
  - General | Commercial Motor
  - Customer Information Booklet
  - Supplementary PDS (applies to parts 1&2)
  - Business Insurance Policy Wording
  

• Public Liability Cover for Market Stall and Trade Exhibitors

  Information about your policy
  - General
  - Customer Information Booklet
  - Supplementary PDS (applies to parts 1&2)
  - Business Insurance Policy Wording (Section 7 Legal Liability only) & Endorsements for Market Stall & Trade Exhibitors

• Business@Home Insurance (Home and Contents - Defined Events)

  Information about your policy
  - General | Commercial Motor | Motor | Home and Contents – Defined Events
  - Customer Information Booklet
  - Supplementary PDS (applies to parts 1&2)
  - Business@Home Insurance Policy Wording (with Home and Contents – Defined Events)

• Business@Home Insurance (Home and Contents - Accidental Damage)

  Information about your policy
  - General | Commercial Motor | Motor | Home and Contents – Accidental Damage
  - Customer Information Booklet
  - Supplementary PDS (applies to parts 1&2)
  - Business@Home Insurance Policy Wording (with Home and Contents – Accidental Damage)

Key factors that affect premiums

The amount we charge you for this insurance policy is the total amount of the premium which we calculate to cover the risk plus GST and any relevant government charges (such as stamp duty). These amounts add up to the total amount you must pay. Your premium is shown on your policy schedule. If you change your policy in any way you may be required to pay an additional amount.

We consider a number of aspects in calculating your premium. These can include:

• the total cost of current and future claims; and
• our business expenses, including administration costs and profit margins.