A Product Disclosure Statement (PDS) tells you what you are and are not covered for under a specific policy.

It highlights things such as insured events, claim limits, exclusions, discounts, benefits and information on how our claims process works. It forms part of the issuing documents you receive when you purchase a policy.

If you require a PDS not listed here, or if anything in your PDS doesn't make sense simply call us on or visit an CD branch.

Download a PDS

The PDS available for download are current at the time you visit our site. We will update the PDS available on our website as changes are made, so please consult the most recent PDS prior to obtaining insurance, not an earlier downloaded version.

After downloading and reading a PDS, you may like to make a claim or get a quote.

Supplementary Product Disclosure Statement (SPDS)

The purpose of a Supplementary Product Disclosure Statement (SPDS) is to advise you of any changes to the terms and conditions of your PDS. You must read this in conjunction with your PDS.

Household Insurance Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help

Includes information for Home Building Insurance Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help and Contents Insurance Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help. You also receive this PDS when you purchase renters or landlord insurance.

Household policies also have a Key Facts Sheet (KFS) which help highlight your coverage.

Motor Vehicle Insurance Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help

Our Motor Vehicle PDS includes information for Comprehensive, Third Party Liability, and Fire Theft and Third Party Insurance Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help policies. You will also receive this if you buy Motorcycle Insurance Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help and some Fleet and Small Business Insurance Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help policies.  

Enthusiast Car and Motorcycle Insurance Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help

Includes information on cover for motor enthusiast's cars, like classic, veteran, prestige and vintage vehicles. Our enthusiast motorcycle cover protects a range of motorbikes, which include sports bikes, cruisers, tourers, naked and trikes.

Unique Vehicle Insurance Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help

Includes information on comprehensive coverage for modified, grey import, luxury and performance cars.

Caravan Insurance Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help

Includes information for Comprehensive and Third Party Liability Insurance Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help.

Boat Insurance Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help

Includes information for Comprehensive and Third Party Liability cover. 

Body Corporate Insurance Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help

Information on cover for residential body corporate and strata plans. 

Pet Insurance Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help

Information for Pet Insurance Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help including optional benefits, inclusions and the claim limits.

Life, Income Protection and Accident Insurance Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help

Information for Life, Income Protection and Accident Insurance Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help including benefits, additional cover options and limitations.

What need in journey Insurance Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help

Information for What need in journey Insurance Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help Help including benefits, additional cover options and limitations.


View previous PDS and Key Fact Sheets