If your policy was first purchased before 21 April 2024 and not yet renewed, or last renewed before 1 July 2024, your cover will be different. To access your policy documents, you can navigate to the 'show previous policies' section of your appropriate product, or call us on 132 132 for assistance.
For policies started or renewed 12 June 2014–1 February 2020.
For policies that started from 21 April 2024, or were renewed from 1 July 2024. Includes Comprehensive, Comprehensive Basics, Comprehensive Plus, Third Party Fire & Theft and Third Party Property Damage.
For policies that started from 21 April 2024, or were renewed from 1 July 2024.
Effective from 21 April 2024.
Effective from 21 April 2024.
For previous versions of our TMDs, visit iag.com.au/tmd.
For policies that started or were renewed from 31 October 2025. Includes Comprehensive, Comprehensive Basics, Comprehensive Plus, Third Party Fire & Theft and Third Party Property Damage.
For policies that started or were renewed from 31 October 2025.
For policies that started from 28 February–30 October 2025, or were renewed from 16 March–30 October 2025. Includes Comprehensive, Comprehensive Basics, Comprehensive Plus, Third Party Fire & Theft and Third Party Property Damage.
For policies that started from 21 April 2024–27 February 2025, or were renewed from 1 July 2024–15 March 2025. Includes Comprehensive, Comprehensive Basics, Comprehensive Plus, Third Party Fire & Theft and Third Party Property Damage.
For policies that started from 21 April 2024–30 October 2025, or were renewed from 1 July 2024–30 October 2025.
For policies that started from 16 November 2025, or were renewed from 31 December 2025. Includes Home Buildings Plus, Home Buildings Standard, Home Contents Plus, Home Contents Standard, Home Buildings & Contents Plus and Home Buildings & Contents Standard.
For policies that started from 21 April 2024, or were renewed from 1 July 2024. Includes Home Buildings Plus, Home Buildings Standard, Home Contents Plus, Home Contents Standard, Home Buildings & Contents Plus and Home Buildings & Contents Standard.
For policies that started from 13 May 2024, or were renewed from 1 July 2024.
For policies that started from 21 April 2024, or were renewed from 1 July 2024. Includes Landlord Building, Landlord Contents, and Landlord Building & Contents.
For policies that started from 13 May 2024, or were renewed from 1 July 2024.
For policies that started from 21 April 2024, or were renewed from 1 July 2024.
For policies that started from 2 February–15 November 2025, or were renewed from 16 March–30 December 2025. Includes Home Buildings Plus, Home Buildings Standard, Home Contents Plus, Home Contents Standard, Home Buildings & Contents Plus and Home Buildings & Contents Standard.
For policies that started from 13 May 2024–15 November 2025, or were renewed from 1 July 2024–30 December 2025. Includes Home Buildings Plus, Home Buildings Standard, Home Contents Plus, Home Contents Standard, Home Buildings & Contents Plus and Home Buildings & Contents Standard.
Effective from 30 September 2024.
Effective from 21 April 2024.
Effective from 21 April 2024.
For previous versions of our TMDs, visit iag.com.au/tmd.
For policies that started or were renewed from 31 October 2025. Includes Home Buildings, Home Contents, and Buildings & Contents.
For policies that started or were renewed from 31 October 2025.
For policies that started from 21 April 2024, or were renewed from 1 July 2024.
For policies that started from 28 February–30 October 2025, or were renewed from 16 March–30 October 2025 (as applicable). Includes Home Buildings, Home Contents, and Buildings & Contents.
For policies that started from 2 February–27 February 2025, or were renewed from 16 March 2025. Includes Home Buildings, Home Contents, and Buildings & Contents.
For policies that started from 21 April 2024–1 February 2025, or were renewed from 1 July 2024–1 February 2025. Includes Home Buildings, Home Contents, and Buildings & Contents.
For policies that started from 21 April 2024–30 October 2025, or were renewed from 1 July 2024–30 October 2025.
For policies that started from 13 May 2024, or were renewed from 1 July 2024.
For policies that started from 24 February 2025, or were renewed from 7 April 2025.
For policies that started from 13 May 2024–23 February 2025, or were renewed from 1 July 2024–6 April 2025.
For policies that started from 29 May 2024, and have a policy number starting with 72.
Effective from 16 October 2024, for policy numbers starting with 72.
Effective from 5 March 2025.
For policies that started from 21 April 2024, or were renewed from 1 July 2024. Includes Comprehensive and Third Party Property Damage.
For policies that started from 21 April 2024, or were renewed from 1 July 2024.
Effective from 21 April 2024.
Effective from 21 April 2024.
For previous versions of our TMDs, visit iag.com.au/tmd.
For policies that started or were renewed from 31 October 2025. Includes Comprehensive and Third Party Property Damage.
For policies that started or were renewed from 31 October 2025.
For policies that started from 21 April 2024–30 October 2025, or were renewed from 1 July 2024–30 October 2025. Includes Comprehensive and Third Party Property Damage.
For policies that started from 21 April 2024–30 October 2025, or were renewed from 1 July 2024–30 October 2025.
For policies that started or were renewed from 23 August 2025.
This PDS contains an included SPDS for policies that started from 2 June 2023, or were renewed from 8 July 2023.
This PDS contains an included SPDS for policies that started from 2 June 2023–29 February 2024, or were renewed from 8 July 2023–5 April 2024.
For policies that started from 8 December 2023, or were renewed from 13 January 2024.
For policies that started from 8 December 2023, or were renewed from 13 January 2024.
Effective from 5 October 2021.
Effective from 3 October 2024.
Effective from 5 October 2021.
For previous versions of our TMDs, visit iag.com.au/tmd.
For policies that started, or were renewed from 2 December 2023.
For policies that started from 21 April 2024, or were renewed from 1 July 2024.
Effective from 18 October 2024.
For previous versions of our TMDs, visit iag.com.au/tmd.
For policies that started or were renewed from 31 October 2025.
For policies that started from 21 April 2024–30 October 2025, or were renewed from 2 June 2024–30 October 2025.
For policies that started from 21 April 2024, or were renewed from 1 July 2024.
For policies that started from 21 April 2024, or were renewed from 1 July 2024.
For policies that started from 21 April 2024, or were renewed from 1 July 2024.
Effective from 21 April 2024.
Effective from 12 November 2024.
For previous versions of our TMDs, visit iag.com.au/tmd.
For policies that started or were renewed from 31 October 2025.
For policies that started or were renewed from 31 October 2025.
For policies that started or were renewed from 31 October 2025.
For policies that started from 21 April 2024–30 October 2025, or were renewed from 1 July 2024–30 October 2025.
For policies that started from 21 April 2024–30 October 2025, or were renewed from 1 July 2024–30 October 2025.
For policies that started from 21 April 2024–30 October 2025, or were renewed from 1 July 2024–30 October 2025.
For policies that started or were renewed from 10 April 2023.
For policies that started from 21 April 2024, or were renewed from 1 July 2024. Includes Comprehensive, Comprehensive Basics, Comprehensive Plus, Third Party Fire & Theft and Third Party Property Damage.
For policies that started from 21 April 2024, or were renewed from 1 July 2024.
Effective from 21 April 2024.
Effective from 21 April 2024.
For previous versions of our TMDs, visit iag.com.au/tmd.
For policies that started or were renewed from 31 October 2025. Includes Comprehensive, Comprehensive Basics, Comprehensive Plus, Third Party Fire & Theft and Third Party Property Damage.
For policies that started or were renewed from 31 October 2025.
For policies that started from 28 February–30 October 2025, or were renewed from 16 March–30 October 2025. Includes Comprehensive, Comprehensive Basics, Comprehensive Plus, Third Party Fire & Theft and Third Party Property Damage.
For policies that started from 21 April 2024–27 February 2025, or were renewed from 1 July 2024–15 March 2025. Includes Comprehensive, Comprehensive Basics, Comprehensive Plus, Third Party Fire & Theft and Third Party Property Damage.
For policies that started from 21 April 2024–30 October 2025, or were renewed from 1 July 2024–30 October 2025.
For policies that started from 16 November 2025, or were renewed from 31 December 2025. Includes Home Buildings Plus, Home Buildings Standard, Home Contents Plus, Home Contents Standard, Home Buildings & Contents Plus and Home Buildings & Contents Standard.
For policies that started from 21 April 2024, or were renewed from 1 July 2024. Includes Home Buildings Plus, Home Buildings Standard, Home Contents Plus, Home Contents Standard, Home Buildings & Contents Plus and Home Buildings & Contents Standard.
For policies that started from 13 May 2024, or were renewed from 1 July 2024.
For policies that started from 21 April 2024, or were renewed from 1 July 2024. Includes Landlord Building, Landlord Contents, and Landlord Building & Contents.
For policies that started from 13 May 2024, or were renewed from 1 July 2024.
For policies that started from 21 April 2024, or were renewed from 1 July 2024.
For policies that started from 2 February–15 November 2025, or were renewed from 16 March–30 December 2025. Includes Home Buildings Plus, Home Buildings Standard, Home Contents Plus, Home Contents Standard, Home Buildings & Contents Plus and Home Buildings & Contents Standard.
For policies that started from 13 May 2024–15 November 2025, or were renewed from 1 July 2024–30 December 2025. Includes Home Buildings Plus, Home Buildings Standard, Home Contents Plus, Home Contents Standard, Home Buildings & Contents Plus and Home Buildings & Contents Standard.
Effective from 30 September 2024.
Effective from 21 April 2024.
Effective from 21 April 2024.
For previous versions of our TMDs, visit iag.com.au/tmd.
For policies that started or were renewed from 31 October 2025. Includes Home Buildings, Home Contents, and Buildings & Contents.
For policies that started or were renewed from 31 October 2025.
For policies that started from 21 April 2024, or were renewed from 1 July 2024.
For policies that started from 28 February–30 October 2025, or were renewed from 16 March–30 October 2025 (as applicable). Includes Home Buildings, Home Contents, and Buildings & Contents.
For policies that started from 2 February–27 February 2025, or were renewed from 16 March 2025. Includes Home Buildings, Home Contents, and Buildings & Contents.
For policies that started from 21 April 2024–1 February 2025, or were renewed from 1 July 2024–1 February 2025. Includes Home Buildings, Home Contents, and Buildings & Contents.
For policies that started from 21 April 2024–30 October 2025, or were renewed from 1 July 2024–30 October 2025.
For policies that started from 13 May 2024, or were renewed from 1 July 2024.
For policies that started from 24 February 2025, or were renewed from 7 April 2025.
For policies that started from 13 May 2024–23 February 2025, or were renewed from 1 July 2024–6 April 2025.
For policies that started from 29 May 2024, and have a policy number starting with 72.
Effective from 16 October 2024, for policy numbers starting with 72.
Effective from 5 March 2025.
For policies that started from 21 April 2024, or were renewed from 1 July 2024. Includes Comprehensive and Third Party Property Damage.
For policies that started from 21 April 2024, or were renewed from 1 July 2024.
Effective from 21 April 2024.
Effective from 21 April 2024.
For previous versions of our TMDs, visit iag.com.au/tmd.
For policies that started or were renewed from 31 October 2025. Includes Comprehensive and Third Party Property Damage.
For policies that started or were renewed from 31 October 2025.
For policies that started from 21 April 2024–30 October 2025, or were renewed from 1 July 2024–30 October 2025. Includes Comprehensive and Third Party Property Damage.
For policies that started from 21 April 2024–30 October 2025, or were renewed from 1 July 2024–30 October 2025.
For policies that started or were renewed from 23 August 2025.
This PDS contains an included SPDS for policies that started from 2 June 2023, or were renewed from 8 July 2023.
This PDS contains an included SPDS for policies that started from 2 June 2023–29 February 2024, or were renewed from 8 July 2023–5 April 2024.
For policies that started from 8 December 2023, or were renewed from 13 January 2024.
For policies that started from 8 December 2023, or were renewed from 13 January 2024.
Effective from 5 October 2021.
Effective from 3 October 2024.
Effective from 5 October 2021.
For previous versions of our TMDs, visit iag.com.au/tmd.
For policies that started, or were renewed from 2 December 2023.
For policies that started from 21 April 2024, or were renewed from 1 July 2024.
Effective from 18 October 2024.
For previous versions of our TMDs, visit iag.com.au/tmd.
For policies that started or were renewed from 31 October 2025.
For policies that started from 21 April 2024–30 October 2025, or were renewed from 2 June 2024–30 October 2025.
For policies that started from 21 April 2024, or were renewed from 1 July 2024.
For policies that started from 21 April 2024, or were renewed from 1 July 2024.
For policies that started from 21 April 2024, or were renewed from 1 July 2024.
Effective from 21 April 2024.
Effective from 12 November 2024.
For previous versions of our TMDs, visit iag.com.au/tmd.
For policies that started or were renewed from 31 October 2025.
For policies that started or were renewed from 31 October 2025.
For policies that started or were renewed from 31 October 2025.
For policies that started from 21 April 2024–30 October 2025, or were renewed from 1 July 2024–30 October 2025.
For policies that started from 21 April 2024–30 October 2025, or were renewed from 1 July 2024–30 October 2025.
For policies that started from 21 April 2024–30 October 2025, or were renewed from 1 July 2024–30 October 2025.
For policies that started from 21 April 2024, or were renewed from 1 July 2024. Includes Comprehensive, Comprehensive Basics, Comprehensive Plus, Third Party Fire & Theft and Third Party Property Damage.
For policies that started from 21 April 2024, or were renewed from 1 July 2024.
Effective from 21 April 2024.
Effective from 21 April 2024.
For previous versions of our TMDs, visit iag.com.au/tmd.
For policies that started or were renewed from 31 October 2025. Includes Comprehensive, Comprehensive Basics, Comprehensive Plus, Third Party Fire & Theft and Third Party Property Damage.
For policies that started or were renewed from 31 October 2025.
For policies that started from 28 February–30 October 2025, or were renewed from 16 March–30 October 2025. Includes Comprehensive, Comprehensive Basics, Comprehensive Plus, Third Party Fire & Theft and Third Party Property Damage.
For policies that started from 21 April 2024–27 February 2025, or were renewed from 1 July 2024–15 March 2025. Includes Comprehensive, Comprehensive Basics, Comprehensive Plus, Third Party Fire & Theft and Third Party Property Damage.
For policies that started from 21 April 2024–30 October 2025, or were renewed from 1 July 2024–30 October 2025.
For policies that started from 16 November 2025, or were renewed from 31 December 2025. Includes Home Buildings Plus, Home Buildings Standard, Home Contents Plus, Home Contents Standard, Home Buildings & Contents Plus and Home Buildings & Contents Standard.
For policies that started from 21 April 2024, or were renewed from 1 July 2024. Includes Home Buildings Plus, Home Buildings Standard, Home Contents Plus, Home Contents Standard, Home Buildings & Contents Plus and Home Buildings & Contents Standard.
For policies that started from 13 May 2024, or were renewed from 1 July 2024.
For policies that started from 21 April 2024, or were renewed from 1 July 2024. Includes Landlord Building, Landlord Contents, and Landlord Building & Contents.
For policies that started from 13 May 2024, or were renewed from 1 July 2024.
For policies that started from 21 April 2024, or were renewed from 1 July 2024.
For policies that started from 2 February–15 November 2025, or were renewed from 16 March–30 December 2025. Includes Home Buildings Plus, Home Buildings Standard, Home Contents Plus, Home Contents Standard, Home Buildings & Contents Plus and Home Buildings & Contents Standard.
For policies that started from 13 May 2024–15 November 2025, or were renewed from 1 July 2024–30 December 2025. Includes Home Buildings Plus, Home Buildings Standard, Home Contents Plus, Home Contents Standard, Home Buildings & Contents Plus and Home Buildings & Contents Standard.
Effective from 30 September 2024.
Effective from 21 April 2024.
Effective from 21 April 2024.
For previous versions of our TMDs, visit iag.com.au/tmd.
For policies that started or were renewed from 31 October 2025. Includes Home Buildings, Home Contents, and Buildings & Contents.
For policies that started or were renewed from 31 October 2025.
For policies that started from 21 April 2024, or were renewed from 1 July 2024.
For policies that started from 28 February–30 October 2025, or were renewed from 16 March–30 October 2025 (as applicable). Includes Home Buildings, Home Contents, and Buildings & Contents.
For policies that started from 2 February–27 February 2025, or were renewed from 16 March 2025. Includes Home Buildings, Home Contents, and Buildings & Contents.
For policies that started from 21 April 2024–1 February 2025, or were renewed from 1 July 2024–1 February 2025. Includes Home Buildings, Home Contents, and Buildings & Contents.
For policies that started from 21 April 2024–30 October 2025, or were renewed from 1 July 2024–30 October 2025.
For policies that started from 13 May 2024, or were renewed from 1 July 2024.
For policies that started from 24 February 2025, or were renewed from 7 April 2025.
For policies that started from 13 May 2024–23 February 2025, or were renewed from 1 July 2024–6 April 2025.
For policies that started from 29 May 2024, and have a policy number starting with 72.
Effective from 16 October 2024, for policy numbers starting with 72.
Effective from 5 March 2025.
For policies that started from 21 April 2024, or were renewed from 1 July 2024. Includes Comprehensive and Third Party Property Damage.
For policies that started from 21 April 2024, or were renewed from 1 July 2024.
Effective from 21 April 2024.
Effective from 21 April 2024.
For previous versions of our TMDs, visit iag.com.au/tmd.
For policies that started or were renewed from 31 October 2025. Includes Comprehensive and Third Party Property Damage.
For policies that started or were renewed from 31 October 2025.
For policies that started from 21 April 2024–30 October 2025, or were renewed from 1 July 2024–30 October 2025. Includes Comprehensive and Third Party Property Damage.
For policies that started from 21 April 2024–30 October 2025, or were renewed from 1 July 2024–30 October 2025.
For policies that started or were renewed from 23 August 2025.
This PDS contains an included SPDS for policies that started from 2 June 2023, or were renewed from 8 July 2023.
This PDS contains an included SPDS for policies that started from 2 June 2023–29 February 2024, or were renewed from 8 July 2023–5 April 2024.
For policies that started from 8 December 2023, or were renewed from 13 January 2024.
For policies that started from 8 December 2023, or were renewed from 13 January 2024.
Effective from 5 October 2021.
Effective from 3 October 2024.
Effective from 5 October 2021.
For previous versions of our TMDs, visit iag.com.au/tmd.
For policies that started, or were renewed from 2 December 2023.
For policies that started from 21 April 2024, or were renewed from 1 July 2024.
Effective from 18 October 2024.
For previous versions of our TMDs, visit iag.com.au/tmd.
For policies that started or were renewed from 31 October 2025.
For policies that started from 21 April 2024–30 October 2025, or were renewed from 2 June 2024–30 October 2025.
For policies that started from 21 April 2024, or were renewed from 1 July 2024.
For policies that started from 21 April 2024, or were renewed from 1 July 2024.
For policies that started from 21 April 2024, or were renewed from 1 July 2024.
Effective from 21 April 2024.
Effective from 12 November 2024.
For previous versions of our TMDs, visit iag.com.au/tmd.
For policies that started or were renewed from 31 October 2025.
For policies that started or were renewed from 31 October 2025.
For policies that started or were renewed from 31 October 2025.
For policies that started from 21 April 2024–30 October 2025, or were renewed from 1 July 2024–30 October 2025.
For policies that started from 21 April 2024–30 October 2025, or were renewed from 1 July 2024–30 October 2025.
For policies that started from 21 April 2024–30 October 2025, or were renewed from 1 July 2024–30 October 2025.
For policies that started from 10 September 2023, or were renewed from 22 October 2023. Includes Comprehensive, Comprehensive Basics, Comprehensive Plus, Third Party Fire & Theft and Third Party Property Damage.
For policies that started from 10 September 2023, or were renewed from 22 October 2023.
Effective from 21 April 2024.
Effective from 21 April 2024.
For previous versions of our TMDs, visit iag.com.au/tmd.
For policies that started or were renewed from 31 October 2025. Includes Comprehensive, Comprehensive Basics, Comprehensive Plus, Third Party Fire & Theft and Third Party Property Damage.
For policies that started or were renewed from 31 October 2025.
For policies that started from 28 February–30 October 2025, or were renewed from 16 March–30 October 2025. Includes Comprehensive, Comprehensive Basics, Comprehensive Plus, Third Party Fire & Theft and Third Party Property Damage.
For policies that started from 21 April 2024–27 February 2025, or were renewed from 2 June 2024–15 March 2025. Includes Comprehensive, Comprehensive Basics, Comprehensive Plus, Third Party Fire & Theft and Third Party Property Damage.
For policies that started from 21 April 2024–30 October 2025, or were renewed from 2 June 2024–30 October 2025.
For policies that started from 16 November 2025, or were renewed from 31 December 2025. Includes Home Buildings Plus, Home Buildings Standard, Home Contents Plus, Home Contents Standard, Home Buildings & Contents Plus and Home Buildings & Contents Standard.
For policies that started from 10 September 2023, or were renewed from 22 October 2023. Includes Home Buildings Plus, Home Buildings Standard, Home Contents Plus, Home Contents Standard, Home Buildings & Contents Plus and Home Buildings & Contents Standard.
For policies that started from 13 May 2024, or were renewed from 1 July 2024.
For policies that started from 10 September 2023, or were renewed from 22 October 2023. Includes Landlord Building, Landlord Contents, and Landlord Building & Contents.
For policies that started from 13 May 2024, or were renewed from 1 July 2024.
For policies that started from 10 September 2023, or were renewed from 22 October 2023.
For policies that started from 2 February–15 November 2025, or were renewed from 16 March–30 December 2025. Includes Home Buildings Plus, Home Buildings Standard, Home Contents Plus, Home Contents Standard, Home Buildings & Contents Plus and Home Buildings & Contents Standard.
For policies that started from 13 May 2024–15 November 2025, or were renewed from 1 July 2024–30 December 2025. Includes Home Buildings Plus, Home Buildings Standard, Home Contents Plus, Home Contents Standard, Home Buildings & Contents Plus and Home Buildings & Contents Standard.
Effective from 30 September 2024.
Effective from 21 April 2024.
Effective from 21 April 2024.
For previous versions of our TMDs, visit iag.com.au/tmd.
For policies that started or were renewed from 31 October 2025. Includes Home Buildings, Home Contents, and Buildings & Contents.
For policies that started or were renewed from 31 October 2025.
For policies that started from 21 April 2024, or were renewed from 2 June 2024.
For policies that started from 28 February–30 October 2025, or were renewed from 16 March–30 October 2025 (as applicable). Includes Home Buildings, Home Contents, and Buildings & Contents.
For policies that started from 2 February–27 February 2025, or were renewed from 16 March 2025. Includes Home Buildings, Home Contents, and Buildings & Contents.
For policies that started from 21 April 2024–1 February 2025, or were renewed from 2 June 2024–1 February 2025. Includes Home Buildings, Home Contents, and Buildings & Contents.
For policies that started from 21 April 2024–30 October 2025, or were renewed from 2 June 2024–30 October 2025.
For policies that started from 13 May 2024, or were renewed from 1 July 2024.
For policies that started from 24 February 2025, or were renewed from 7 April 2025.
For policies that started from 13 May 2024–23 February 2025, or were renewed from 1 July 2024–6 April 2025.
For policies that started from 29 May 2024, and have a policy number starting with 72.
Effective from 16 October 2024, for policy numbers starting with 72.
Effective from 5 March 2025.
For policies that started from 10 September 2023, or were renewed from 22 October 2023. Includes Comprehensive and Third Party Property Damage.
For policies that started from 10 September 2023, or were renewed from 22 October 2023.
Effective from 21 April 2024.
Effective from 21 April 2024.
For previous versions of our TMDs, visit iag.com.au/tmd.
For policies that started or were renewed from 31 October 2025. Includes Comprehensive and Third Party Property Damage.
For policies that started or were renewed from 31 October 2025.
For policies that started from 21 April 2024–30 October 2025, or were renewed from 2 June 2024–30 October 2025. Includes Comprehensive and Third Party Property Damage.
For policies that started from 21 April 2024–30 October 2025, or were renewed from 2 June 2024–30 October 2025.
For policies that started or were renewed from 23 August 2025.
This PDS contains an included SPDS for policies that started from 2 June 2023, or were renewed from 8 July 2023.
This PDS contains an included SPDS for policies that started from 2 June 2023–29 February 2024, or were renewed from 8 July 2023–5 April 2024.
For policies that started from 8 December 2023, or were renewed from 13 January 2024.
For policies that started from 8 December 2023, or were renewed from 13 January 2024.
Effective from 5 October 2021.
Effective from 3 October 2024.
Effective from 5 October 2021.
For previous versions of our TMDs, visit iag.com.au/tmd.
For policies that started, or were renewed from 2 December 2023.
For policies that started from 10 September 2023, or were renewed from 22 October 2023.
Effective from 18 October 2024.
For previous versions of our TMDs, visit iag.com.au/tmd.
For policies that started or were renewed from 31 October 2025.
For policies that started from 21 April 2024–30 October 2025, or were renewed from 2 June 2024–30 October 2025.
For policies that started from 10 September 2023, or were renewed from 22 October 2023.
For policies that started from 10 September 2023, or were renewed from 22 October 2023.
For policies that started from 10 September 2023, or were renewed from 22 October 2023.
Effective from 21 April 2024.
Effective from 12 November 2024.
For previous versions of our TMDs, visit iag.com.au/tmd.
For policies that started or were renewed from 31 October 2025.
For policies that started or were renewed from 31 October 2025.
For policies that started or were renewed from 31 October 2025.
For policies that started from 21 April 2024–30 October 2025, or were renewed from 2 June 2024–30 October 2025.
For policies that started from 21 April 2024–30 October 2025, or were renewed from 2 June 2024–30 October 2025.
For policies that started from 21 April 2024–30 October 2025, or were renewed from 2 June 2024–30 October 2025.
For policies that started from 10 September 2023, or were renewed from 22 October 2023. Includes Comprehensive, Comprehensive Basics, Comprehensive Plus, Third Party Fire & Theft and Third Party Property Damage.
For policies that started from 10 September 2023, or were renewed from 22 October 2023.
Effective from 21 April 2024.
Effective from 21 April 2024.
For previous versions of our TMDs, visit iag.com.au/tmd.
For policies that started or were renewed from 31 October 2025. Includes Comprehensive, Comprehensive Basics, Comprehensive Plus, Third Party Fire & Theft and Third Party Property Damage.
For policies that started or were renewed from 31 October 2025.
For policies that started from 28 February–30 October 2025, or were renewed from 16 March–30 October 2025. Includes Comprehensive, Comprehensive Basics, Comprehensive Plus, Third Party Fire & Theft and Third Party Property Damage.
For policies that started from 21 April 2024–27 February 2025, or were renewed from 2 June 2024–15 March 2025. Includes Comprehensive, Comprehensive Basics, Comprehensive Plus, Third Party Fire & Theft and Third Party Property Damage.
For policies that started from 21 April 2024–30 October 2025, or were renewed from 2 June 2024–30 October 2025.
For policies that started from 16 November 2025, or were renewed from 31 December 2025. Includes Home Buildings Plus, Home Buildings Standard, Home Contents Plus, Home Contents Standard, Home Buildings & Contents Plus and Home Buildings & Contents Standard.
For policies that started from 10 September 2023, or were renewed from 22 October 2023. Includes Home Buildings Plus, Home Buildings Standard, Home Contents Plus, Home Contents Standard, Home Buildings & Contents Plus and Home Buildings & Contents Standard.
For policies that started from 13 May 2024, or were renewed from 1 July 2024.
For policies that started from 10 September 2023, or were renewed from 22 October 2023. Includes Landlord Building, Landlord Contents, and Landlord Building & Contents.
For policies that started from 13 May 2024, or were renewed from 1 July 2024.
For policies that started from 10 September 2023, or were renewed from 22 October 2023.
For policies that started from 2 February–15 November 2025, or were renewed from 16 March–30 December 2025. Includes Home Buildings Plus, Home Buildings Standard, Home Contents Plus, Home Contents Standard, Home Buildings & Contents Plus and Home Buildings & Contents Standard.
For policies that started from 13 May 2024–15 November 2025, or were renewed from 1 July 2024–30 December 2025. Includes Home Buildings Plus, Home Buildings Standard, Home Contents Plus, Home Contents Standard, Home Buildings & Contents Plus and Home Buildings & Contents Standard.
Effective from 30 September 2024.
Effective from 21 April 2024.
Effective from 21 April 2024.
For previous versions of our TMDs, visit iag.com.au/tmd.
For policies that started or were renewed from 31 October 2025. Includes Home Buildings, Home Contents, and Buildings & Contents.
For policies that started or were renewed from 31 October 2025.
For policies that started from 21 April 2024, or were renewed from 2 June 2024.
For policies that started from 28 February–30 October 2025, or were renewed from 16 March–30 October 2025 (as applicable). Includes Home Buildings, Home Contents, and Buildings & Contents.
For policies that started from 2 February–27 February 2025, or were renewed from 16 March 2025. Includes Home Buildings, Home Contents, and Buildings & Contents.
For policies that started from 21 April 2024–1 February 2025, or were renewed from 2 June 2024–1 February 2025. Includes Home Buildings, Home Contents, and Buildings & Contents.
For policies that started from 21 April 2024–30 October 2025, or were renewed from 2 June 2024–30 October 2025.
For policies that started from 13 May 2024, or were renewed from 1 July 2024.
For policies that started from 24 February 2025, or were renewed from 7 April 2025.
For policies that started from 13 May 2024–23 February 2025, or were renewed from 1 July 2024–6 April 2025.
For policies that started from 29 May 2024, and have a policy number starting with 72.
Effective from 16 October 2024, for policy numbers starting with 72.
Effective from 5 March 2025.
For policies that started from 10 September 2023, or were renewed from 22 October 2023. Includes Comprehensive and Third Party Property Damage.
For policies that started from 10 September 2023, or were renewed from 22 October 2023.
Effective from 21 April 2024.
Effective from 21 April 2024.
For previous versions of our TMDs, visit iag.com.au/tmd.
For policies that started or were renewed from 31 October 2025. Includes Comprehensive and Third Party Property Damage.
For policies that started or were renewed from 31 October 2025.
For policies that started from 21 April 2024–30 October 2025, or were renewed from 2 June 2024–30 October 2025. Includes Comprehensive and Third Party Property Damage.
For policies that started from 21 April 2024–30 October 2025, or were renewed from 2 June 2024–30 October 2025.
For policies that started or were renewed from 23 August 2025.
This PDS contains an included SPDS for policies that started from 2 June 2023, or were renewed from 8 July 2023.
This PDS contains an included SPDS for policies that started from 2 June 2023–29 February 2024, or were renewed from 8 July 2023–5 April 2024.
For policies that started from 8 December 2023, or were renewed from 13 January 2024.
For policies that started from 8 December 2023, or were renewed from 13 January 2024.
Effective from 5 October 2021.
Effective from 3 October 2024.
Effective from 5 October 2021.
For previous versions of our TMDs, visit iag.com.au/tmd.
For policies that started, or were renewed from 2 December 2023.
For policies that started from 10 September 2023, or were renewed from 22 October 2023.
Effective from 18 October 2024.
For previous versions of our TMDs, visit iag.com.au/tmd.
For policies that started or were renewed from 31 October 2025.
For policies that started from 21 April 2024–30 October 2025, or were renewed from 2 June 2024–30 October 2025.
For policies that started from 10 September 2023, or were renewed from 22 October 2023.
For policies that started from 10 September 2023, or were renewed from 22 October 2023.
For policies that started from 10 September 2023, or were renewed from 22 October 2023.
Effective from 21 April 2024.
Effective from 12 November 2024.
For previous versions of our TMDs, visit iag.com.au/tmd.
For policies that started or were renewed from 31 October 2025.
For policies that started or were renewed from 31 October 2025.
For policies that started or were renewed from 31 October 2025.
For policies that started from 21 April 2024–30 October 2025, or were renewed from 2 June 2024–30 October 2025.
For policies that started from 21 April 2024–30 October 2025, or were renewed from 2 June 2024–30 October 2025.
For policies that started from 21 April 2024–30 October 2025, or were renewed from 2 June 2024–30 October 2025.
For policies that started from 21 April 2024, or were renewed from 1 July 2024. Includes Comprehensive, Comprehensive Basics, Comprehensive Plus, Third Party Fire & Theft and Third Party Property Damage.
For policies that started from 21 April 2024, or were renewed from 1 July 2024.
Effective from 21 April 2024.
Effective from 21 April 2024.
For previous versions of our TMDs, visit iag.com.au/tmd.
For policies that started or were renewed from 31 October 2025. Includes Comprehensive, Comprehensive Basics, Comprehensive Plus, Third Party Fire & Theft and Third Party Property Damage.
For policies that started or were renewed from 31 October 2025.
For policies that started from 28 February–30 October 2025, or were renewed from 16 March–30 October 2025. Includes Comprehensive, Comprehensive Basics, Comprehensive Plus, Third Party Fire & Theft and Third Party Property Damage.
For policies that started from 21 April 2024–27 February 2025, or were renewed from 1 July 2024–15 March 2025. Includes Comprehensive, Comprehensive Basics, Comprehensive Plus, Third Party Fire & Theft and Third Party Property Damage.
For policies that started from 21 April 2024–30 October 2025, or were renewed from 1 July 2024–30 October 2025.
For policies that started from 16 November 2025, or were renewed from 31 December 2025. Includes Home Buildings Plus, Home Buildings Standard, Home Contents Plus, Home Contents Standard, Home Buildings & Contents Plus and Home Buildings & Contents Standard.
For policies that started from 21 April 2024, or were renewed from 1 July 2024. Includes Home Buildings Plus, Home Buildings Standard, Home Contents Plus, Home Contents Standard, Home Buildings & Contents Plus and Home Buildings & Contents Standard.
For policies that started from 13 May 2024, or were renewed from 1 July 2024.
For policies that started from 21 April 2024, or were renewed from 1 July 2024. Includes Landlord Building, Landlord Contents, and Landlord Building & Contents.
For policies that started from 13 May 2024, or were renewed from 1 July 2024.
For policies that started from 21 April 2024, or were renewed from 1 July 2024.
For policies that started from 2 February–15 November 2025, or were renewed from 16 March–30 December 2025. Includes Home Buildings Plus, Home Buildings Standard, Home Contents Plus, Home Contents Standard, Home Buildings & Contents Plus and Home Buildings & Contents Standard.
For policies that started from 13 May 2024–15 November 2025, or were renewed from 1 July 2024–30 December 2025. Includes Home Buildings Plus, Home Buildings Standard, Home Contents Plus, Home Contents Standard, Home Buildings & Contents Plus and Home Buildings & Contents Standard.
Effective from 30 September 2024.
Effective from 21 April 2024.
Effective from 21 April 2024.
For previous versions of our TMDs, visit iag.com.au/tmd.
For policies that started or were renewed from 31 October 2025. Includes Home Buildings, Home Contents, and Buildings & Contents.
For policies that started or were renewed from 31 October 2025.
For policies that started from 21 April 2024, or were renewed from 1 July 2024.
For policies that started from 28 February–30 October 2025, or were renewed from 16 March–30 October 2025 (as applicable). Includes Home Buildings, Home Contents, and Buildings & Contents.
For policies that started from 2 February–27 February 2025, or were renewed from 16 March 2025. Includes Home Buildings, Home Contents, and Buildings & Contents.
For policies that started from 21 April 2024–1 February 2025, or were renewed from 1 July 2024–1 February 2025. Includes Home Buildings, Home Contents, and Buildings & Contents.
For policies that started from 21 April 2024–30 October 2025, or were renewed from 1 July 2024–30 October 2025.
For policies that started from 13 May 2024, or were renewed from 1 July 2024.
For policies that started from 24 February 2025, or were renewed from 7 April 2025.
For policies that started from 13 May 2024–23 February 2025, or were renewed from 1 July 2024–6 April 2025.
For policies that started from 29 May 2024, and have a policy number starting with 72.
Effective from 16 October 2024, for policy numbers starting with 72.
Effective from 5 March 2025.
For policies that started from 21 April 2024, or were renewed from 1 July 2024. Includes Comprehensive and Third Party Property Damage.
For policies that started from 21 April 2024, or were renewed from 1 July 2024.
Effective from 21 April 2024.
Effective from 21 April 2024.
For previous versions of our TMDs, visit iag.com.au/tmd.
For policies that started or were renewed from 31 October 2025. Includes Comprehensive and Third Party Property Damage.
For policies that started or were renewed from 31 October 2025.
For policies that started from 21 April 2024–30 October 2025, or were renewed from 1 July 2024–30 October 2025. Includes Comprehensive and Third Party Property Damage.
For policies that started from 21 April 2024–30 October 2025, or were renewed from 1 July 2024–30 October 2025.
For policies that started or were renewed from 23 August 2025.
This PDS contains an included SPDS for policies that started from 2 June 2023, or were renewed from 8 July 2023.
This PDS contains an included SPDS for policies that started from 2 June 2023–29 February 2024, or were renewed from 8 July 2023–5 April 2024.
For policies that started from 8 December 2023, or were renewed from 13 January 2024.
For policies that started from 8 December 2023, or were renewed from 13 January 2024.
Effective from 5 October 2021.
Effective from 3 October 2024.
Effective from 5 October 2021.
For previous versions of our TMDs, visit iag.com.au/tmd.
For policies that started, or were renewed from 2 December 2023.
For policies that started from 21 April 2024, or were renewed from 1 July 2024.
Effective from 18 October 2024.
For previous versions of our TMDs, visit iag.com.au/tmd.
For policies that started or were renewed from 31 October 2025.
For policies that started from 21 April 2024–30 October 2025, or were renewed from 2 June 2024–30 October 2025.
For policies that started from 21 April 2024, or were renewed from 1 July 2024.
For policies that started from 21 April 2024, or were renewed from 1 July 2024.
For policies that started from 21 April 2024, or were renewed from 1 July 2024.
Effective from 21 April 2024.
Effective from 12 November 2024.
For previous versions of our TMDs, visit iag.com.au/tmd.
For policies that started or were renewed from 31 October 2025.
For policies that started or were renewed from 31 October 2025.
For policies that started or were renewed from 31 October 2025.
For policies that started from 21 April 2024–30 October 2025, or were renewed from 1 July 2024–30 October 2025.
For policies that started from 21 April 2024–30 October 2025, or were renewed from 1 July 2024–30 October 2025.
For policies that started from 21 April 2024–30 October 2025, or were renewed from 1 July 2024–30 October 2025.
For policies that started from 10 September 2023, or were renewed from 22 October 2023. Includes Comprehensive, Comprehensive Basics, Comprehensive Plus, Third Party Fire & Theft and Third Party Property Damage.
For policies that started from 10 September 2023, or were renewed from 22 October 2023.
Effective from 21 April 2024.
Effective from 21 April 2024.
For previous versions of our TMDs, visit iag.com.au/tmd.
For policies that started or were renewed from 31 October 2025. Includes Comprehensive, Comprehensive Basics, Comprehensive Plus, Third Party Fire & Theft and Third Party Property Damage.
For policies that started or were renewed from 31 October 2025.
For policies that started from 28 February–30 October 2025, or were renewed from 16 March–30 October 2025. Includes Comprehensive, Comprehensive Basics, Comprehensive Plus, Third Party Fire & Theft and Third Party Property Damage.
For policies that started from 21 April 2024–27 February 2025, or were renewed from 2 June 2024–15 March 2025. Includes Comprehensive, Comprehensive Basics, Comprehensive Plus, Third Party Fire & Theft and Third Party Property Damage.
For policies that started from 21 April 2024–30 October 2025, or were renewed from 2 June 2024–30 October 2025.
For policies that started from 16 November 2025, or were renewed from 31 December 2025. Includes Home Buildings Plus, Home Buildings Standard, Home Contents Plus, Home Contents Standard, Home Buildings & Contents Plus and Home Buildings & Contents Standard.
For policies that started from 10 September 2023, or were renewed from 22 October 2023. Includes Home Buildings Plus, Home Buildings Standard, Home Contents Plus, Home Contents Standard, Home Buildings & Contents Plus and Home Buildings & Contents Standard.
For policies that started from 13 May 2024, or were renewed from 1 July 2024.
For policies that started from 10 September 2023, or were renewed from 22 October 2023. Includes Landlord Building, Landlord Contents, and Landlord Building & Contents.
For policies that started from 13 May 2024, or were renewed from 1 July 2024.
For policies that started from 10 September 2023, or were renewed from 22 October 2023.
For policies that started from 2 February–15 November 2025, or were renewed from 16 March–30 December 2025. Includes Home Buildings Plus, Home Buildings Standard, Home Contents Plus, Home Contents Standard, Home Buildings & Contents Plus and Home Buildings & Contents Standard.
For policies that started from 13 May 2024–15 November 2025, or were renewed from 1 July 2024–30 December 2025. Includes Home Buildings Plus, Home Buildings Standard, Home Contents Plus, Home Contents Standard, Home Buildings & Contents Plus and Home Buildings & Contents Standard.
Effective from 30 September 2024.
Effective from 21 April 2024.
Effective from 21 April 2024.
For previous versions of our TMDs, visit iag.com.au/tmd.
For policies that started or were renewed from 31 October 2025. Includes Home Buildings, Home Contents, and Buildings & Contents.
For policies that started or were renewed from 31 October 2025.
For policies that started from 21 April 2024, or were renewed from 2 June 2024.
For policies that started from 28 February–30 October 2025, or were renewed from 16 March–30 October 2025 (as applicable). Includes Home Buildings, Home Contents, and Buildings & Contents.
For policies that started from 2 February–27 February 2025, or were renewed from 16 March 2025. Includes Home Buildings, Home Contents, and Buildings & Contents.
For policies that started from 21 April 2024–1 February 2025, or were renewed from 2 June 2024–1 February 2025. Includes Home Buildings, Home Contents, and Buildings & Contents.
For policies that started from 21 April 2024–30 October 2025, or were renewed from 2 June 2024–30 October 2025.
For policies that started from 13 May 2024, or were renewed from 1 July 2024.
For policies that started from 24 February 2025, or were renewed from 7 April 2025.
For policies that started from 13 May 2024–23 February 2025, or were renewed from 1 July 2024–6 April 2025.
For policies that started from 29 May 2024, and have a policy number starting with 72.
Effective from 16 October 2024, for policy numbers starting with 72.
Effective from 5 March 2025.
For policies that started from 10 September 2023, or were renewed from 22 October 2023. Includes Comprehensive and Third Party Property Damage.
For policies that started from 10 September 2023, or were renewed from 22 October 2023.
Effective from 21 April 2024.
Effective from 21 April 2024.
For previous versions of our TMDs, visit iag.com.au/tmd.
For policies that started or were renewed from 31 October 2025. Includes Comprehensive and Third Party Property Damage.
For policies that started or were renewed from 31 October 2025.
For policies that started from 21 April 2024–30 October 2025, or were renewed from 2 June 2024–30 October 2025. Includes Comprehensive and Third Party Property Damage.
For policies that started from 21 April 2024–30 October 2025, or were renewed from 2 June 2024–30 October 2025.
For policies that started or were renewed from 23 August 2025.
For policies that started from 8 December 2023, or were renewed from 13 January 2024.
For policies that started from 8 December 2023, or were renewed from 13 January 2024.
Effective from 5 October 2021.
For previous versions of our TMDs, visit iag.com.au/tmd.
For policies that started from 10 September 2023, or were renewed from 22 October 2023.
Effective from 18 October 2024.
For previous versions of our TMDs, visit iag.com.au/tmd.
For policies that started or were renewed from 31 October 2025.
For policies that started from 21 April 2024–30 October 2025, or were renewed from 2 June 2024–30 October 2025.
For policies that started from 10 September 2023, or were renewed from 22 October 2023.
For policies that started from 10 September 2023, or were renewed from 22 October 2023.
For policies that started from 10 September 2023, or were renewed from 22 October 2023.
Effective from 21 April 2024.
Effective from 12 November 2024.
For previous versions of our TMDs, visit iag.com.au/tmd.
For policies that started or were renewed from 31 October 2025.
For policies that started or were renewed from 31 October 2025.
For policies that started or were renewed from 31 October 2025.
For policies that started from 21 April 2024–30 October 2025, or were renewed from 2 June 2024–30 October 2025.
For policies that started from 21 April 2024–30 October 2025, or were renewed from 2 June 2024–30 October 2025.
For policies that started from 21 April 2024–30 October 2025, or were renewed from 2 June 2024–30 October 2025.
Log in to see your policies and:
See what you’re covered for
Download your Certificate of Insurance
Update your contact details
Switch to paperless
Looking for older NRMA Insurance documents? Log into your account to see your previous policy documents, or call 132 132.
The PDS has the full details on a policy including what’s covered and what’s not, limits and conditions.
The Policy Wording has the full details on a policy including what’s covered and what’s not, limits and conditions.
A TMD helps you understand the types of people (called the ‘class of customers’) our insurance policies are designed for, considering their needs, objectives, and financial situations.
The PED has information on how we calculate your premium, how much you might need to pay if you make a claim, and discounts you may be eligible for.
The KFS has quick information about a policy, including events we cover and some conditions. As it doesn't include everything, read the PDS before making a decision about your insurance.