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Policy booklets

Important note for customers in NSW, QLD, TAS and the ACT

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.

CTP Insurance

Product Disclosure Statements (PDS)

Car insurance

Product Disclosure Statement (PDS)

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.

Target Market Determination (TMD)

Effective from 21 April 2024.

Effective from 21 April 2024.

For previous versions of our TMDs, visit iag.com.au/tmd.

Premium Excess and Discount Guides (PED)

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.

Previous policies

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.

Home insurance

Product Disclosure Statement (PDS)

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.

Previous policies

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.

Target Market Determination (TMD)

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.

Premium Excess and Discount Guides (PED)

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.

Previous policies

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.

Key Facts Sheets (KFS)

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.

Previous policies

For policies that started from 13 May 2024–23 February 2025, or were renewed from 1 July 2024–6 April 2025.

Travel Insurance

Product Disclosure Statements (PDS)

Previous policies

Target Market Determinations (TMD)

Previous policies

Financial Services Guide (FSG)

Previous policies

Motorcycle Insurance

Product Disclosure Statement (PDS)

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.

Target Market Determination (TMD)

Effective from 21 April 2024.

Effective from 21 April 2024.

For previous versions of our TMDs, visit iag.com.au/tmd.

Premium Excess and Discount Guides (PED)

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.

Previous policies

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.

Business Insurance

Product Disclosure Statements (PDS)

Previous policies

Policy Wordings

Previous policies

Target Market Determination (TMD)

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.

Boat Insurance

Product Disclosure Statement (PDS)

For policies that started from 21 April 2024, or were renewed from 1 July 2024.

Target Market Determination (TMD)

Effective from 18 October 2024.

For previous versions of our TMDs, visit iag.com.au/tmd.

Premium Excess and Discount Guides (PED)

For policies that started or were renewed from 31 October 2025.

Previous policies

For policies that started from 21 April 2024–30 October 2025, or were renewed from 2 June 2024–30 October 2025.

Caravan Insurance

Product Disclosure Statement (PDS)

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.

Target Market Determination (TMD)

Effective from 21 April 2024.

Effective from 12 November 2024.

For previous versions of our TMDs, visit iag.com.au/tmd.

Premium Excess and Discount Guides (PED)

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.

Previous policies

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.

CTP Insurance

Product Disclosure Statements (PDS)

Car insurance

Product Disclosure Statement (PDS)

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.

Target Market Determination (TMD)

Effective from 21 April 2024.

Effective from 21 April 2024.

For previous versions of our TMDs, visit iag.com.au/tmd.

Premium Excess and Discount Guides (PED)

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.

Previous policies

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.

Home insurance

Product Disclosure Statement (PDS)

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.

Previous policies

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.

Target Market Determination (TMD)

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.

Premium Excess and Discount Guides (PED)

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.

Previous policies

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.

Key Facts Sheets (KFS)

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.

Previous policies

For policies that started from 13 May 2024–23 February 2025, or were renewed from 1 July 2024–6 April 2025.

Travel Insurance

Product Disclosure Statements (PDS)

Previous policies

Target Market Determinations (TMD)

Previous policies

Financial Services Guide (FSG)

Previous policies

Motorcycle Insurance

Product Disclosure Statement (PDS)

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.

Target Market Determination (TMD)

Effective from 21 April 2024.

Effective from 21 April 2024.

For previous versions of our TMDs, visit iag.com.au/tmd.

Premium Excess and Discount Guides (PED)

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.

Previous policies

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.

Business Insurance

Product Disclosure Statements (PDS)

Previous policies

Policy Wordings

Previous policies

Target Market Determination (TMD)

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.

Boat Insurance

Product Disclosure Statement (PDS)

For policies that started from 21 April 2024, or were renewed from 1 July 2024.

Target Market Determination (TMD)

Effective from 18 October 2024.

For previous versions of our TMDs, visit iag.com.au/tmd.

Premium Excess and Discount Guides (PED)

For policies that started or were renewed from 31 October 2025.

Previous policies

For policies that started from 21 April 2024–30 October 2025, or were renewed from 2 June 2024–30 October 2025.

Caravan Insurance

Product Disclosure Statement (PDS)

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.

Target Market Determination (TMD)

Effective from 21 April 2024.

Effective from 12 November 2024.

For previous versions of our TMDs, visit iag.com.au/tmd.

Premium Excess and Discount Guides (PED)

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.

Previous policies

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.

Car insurance

Product Disclosure Statement (PDS)

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.

Target Market Determination (TMD)

Effective from 21 April 2024.

Effective from 21 April 2024.

For previous versions of our TMDs, visit iag.com.au/tmd.

Premium Excess and Discount Guides (PED)

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.

Previous policies

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.

Home insurance

Product Disclosure Statement (PDS)

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.

Previous policies

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.

Target Market Determination (TMD)

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.

Premium Excess and Discount Guides (PED)

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.

Previous policies

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.

Key Facts Sheets (KFS)

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.

Previous policies

For policies that started from 13 May 2024–23 February 2025, or were renewed from 1 July 2024–6 April 2025.

Travel Insurance

Product Disclosure Statements (PDS)

Previous policies

Target Market Determinations (TMD)

Previous policies

Financial Services Guide (FSG)

Previous policies

Motorcycle Insurance

Product Disclosure Statement (PDS)

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.

Target Market Determination (TMD)

Effective from 21 April 2024.

Effective from 21 April 2024.

For previous versions of our TMDs, visit iag.com.au/tmd.

Premium Excess and Discount Guides (PED)

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.

Previous policies

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.

Business insurance

Product Disclosure Statements (PDS)

Previous policies

Policy Wordings

Previous policies

Target Market Determination (TMD)

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.

Boat Insurance

Product Disclosure Statement (PDS)

For policies that started from 21 April 2024, or were renewed from 1 July 2024.

Target Market Determination (TMD)

Effective from 18 October 2024.

For previous versions of our TMDs, visit iag.com.au/tmd.

Premium Excess and Discount Guides (PED)

For policies that started or were renewed from 31 October 2025.

Previous policies

For policies that started from 21 April 2024–30 October 2025, or were renewed from 2 June 2024–30 October 2025.

Caravan insurance

Product Disclosure Statement (PDS)

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.

Target Market Determination (TMD)

Effective from 21 April 2024.

Effective from 12 November 2024.

For previous versions of our TMDs, visit iag.com.au/tmd.

Premium Excess and Discount Guides (PED)

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.

Previous policies

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.

Car insurance

Product Disclosure Statement (PDS)

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.

Target Market Determination (TMD)

Effective from 21 April 2024.

Effective from 21 April 2024.

For previous versions of our TMDs, visit iag.com.au/tmd.

Premium Excess and Discount Guides (PED)

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.

Previous policies

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.

Home insurance

Product Disclosure Statement (PDS)

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.

Previous policies

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.

Target Market Determination (TMD)

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.

Premium Excess and Discount Guides (PED)

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.

Previous policies

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.

Key Facts Sheets (KFS)

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.

Previous policies

For policies that started from 13 May 2024–23 February 2025, or were renewed from 1 July 2024–6 April 2025.

Travel Insurance

Product Disclosure Statements (PDS)

Previous policies

Target Market Determinations (TMD)

Previous policies

Financial Services Guide (FSG)

Previous policies

Motorcycle Insurance

Product Disclosure Statement (PDS)

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.

Target Market Determination (TMD)

Effective from 21 April 2024.

Effective from 21 April 2024.

For previous versions of our TMDs, visit iag.com.au/tmd.

Premium Excess and Discount Guides (PED)

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.

Previous policies

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.

Business Insurance

Product Disclosure Statements (PDS)

Previous policies

Policy Wordings

Previous policies

Target Market Determination (TMD)

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.

Boat Insurance

Product Disclosure Statement (PDS)

For policies that started from 10 September 2023, or were renewed from 22 October 2023.

Target Market Determination (TMD)

Effective from 18 October 2024.

For previous versions of our TMDs, visit iag.com.au/tmd.

Premium Excess and Discount Guides (PED)

For policies that started or were renewed from 31 October 2025.

Previous policies

For policies that started from 21 April 2024–30 October 2025, or were renewed from 2 June 2024–30 October 2025.

Caravan Insurance

Product Disclosure Statement (PDS)

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.

Target Market Determination (TMD)

Effective from 21 April 2024.

Effective from 12 November 2024.

For previous versions of our TMDs, visit iag.com.au/tmd.

Premium Excess and Discount Guides (PED)

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.

Previous policies

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.

Car insurance

Product Disclosure Statement (PDS)

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.

Target Market Determination (TMD)

Effective from 21 April 2024.

Effective from 21 April 2024.

For previous versions of our TMDs, visit iag.com.au/tmd.

Premium Excess and Discount Guides (PED)

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.

Previous policies

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.

Home insurance

Product Disclosure Statement (PDS)

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.

Previous policies

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.

Target Market Determination (TMD)

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.

Premium Excess and Discount Guides (PED)

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.

Previous policies

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.

Key Facts Sheets (KFS)

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.

Previous policies

For policies that started from 13 May 2024–23 February 2025, or were renewed from 1 July 2024–6 April 2025.

Travel Insurance

Product Disclosure Statements (PDS)

Previous policies

Target Market Determinations (TMD)

Previous policies

Financial Services Guide (FSG)

Previous policies

Motorcycle Insurance

Product Disclosure Statement (PDS)

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.

Target Market Determination (TMD)

Effective from 21 April 2024.

Effective from 21 April 2024.

For previous versions of our TMDs, visit iag.com.au/tmd.

Premium Excess and Discount Guides (PED)

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.

Previous policies

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.

Business Insurance

Product Disclosure Statements (PDS)

Previous policies

Policy Wordings

Previous policies

Target Market Determination (TMD)

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.

Boat Insurance

Product Disclosure Statement (PDS)

For policies that started from 10 September 2023, or were renewed from 22 October 2023.

Target Market Determination (TMD)

Effective from 18 October 2024.

For previous versions of our TMDs, visit iag.com.au/tmd.

Premium Excess and Discount Guides (PED)

For policies that started or were renewed from 31 October 2025.

Previous policies

For policies that started from 21 April 2024–30 October 2025, or were renewed from 2 June 2024–30 October 2025.

Caravan Insurance

Product Disclosure Statement (PDS)

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.

Target Market Determination (TMD)

Effective from 21 April 2024.

Effective from 12 November 2024.

For previous versions of our TMDs, visit iag.com.au/tmd.

Premium Excess and Discount Guides (PED)

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.

Previous policies

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.

Car insurance

Product Disclosure Statement (PDS)

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.

Target Market Determination (TMD)

Effective from 21 April 2024.

Effective from 21 April 2024.

For previous versions of our TMDs, visit iag.com.au/tmd.

Premium Excess and Discount Guides (PED)

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.

Previous policies

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.

Home insurance

Product Disclosure Statement (PDS)

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.

Previous policies

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.

Target Market Determination (TMD)

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.

Premium Excess and Discount Guides (PED)

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.

Previous policies

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.

Key Facts Sheets (KFS)

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.

Previous policies

For policies that started from 13 May 2024–23 February 2025, or were renewed from 1 July 2024–6 April 2025.

Travel Insurance

Product Disclosure Statements (PDS)

Previous policies

Target Market Determinations (TMD)

Previous policies

Financial Services Guide (FSG)

Previous policies

Motorcycle Insurance

Product Disclosure Statement (PDS)

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.

Target Market Determination (TMD)

Effective from 21 April 2024.

Effective from 21 April 2024.

For previous versions of our TMDs, visit iag.com.au/tmd.

Premium Excess and Discount Guides (PED)

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.

Previous policies

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.

Business Insurance

Product Disclosure Statements (PDS)

Previous policies

Policy Wordings

Previous policies

Target Market Determination (TMD)

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.

Boat Insurance

Product Disclosure Statement (PDS)

For policies that started from 21 April 2024, or were renewed from 1 July 2024.

Target Market Determination (TMD)

Effective from 18 October 2024.

For previous versions of our TMDs, visit iag.com.au/tmd.

Premium Excess and Discount Guides (PED)

For policies that started or were renewed from 31 October 2025.

Previous policies

For policies that started from 21 April 2024–30 October 2025, or were renewed from 2 June 2024–30 October 2025.

Caravan Insurance

Product Disclosure Statement (PDS)

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.

Target Market Determination (TMD)

Effective from 21 April 2024.

Effective from 12 November 2024.

For previous versions of our TMDs, visit iag.com.au/tmd.

Premium Excess and Discount Guides (PED)

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.

Previous policies

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.

Car insurance

Product Disclosure Statement (PDS)

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.

Target Market Determination (TMD)

Effective from 21 April 2024.

Effective from 21 April 2024.

For previous versions of our TMDs, visit iag.com.au/tmd.

Premium Excess and Discount Guides (PED)

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.

Previous policies

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.

Home insurance

Product Disclosure Statement (PDS)

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.

Previous policies

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.

Target Market Determination (TMD)

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.

Premium Excess and Discount Guides (PED)

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.

Previous policies

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.

Key Facts Sheets (KFS)

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.

Previous policies

For policies that started from 13 May 2024–23 February 2025, or were renewed from 1 July 2024–6 April 2025.

Travel Insurance

Product Disclosure Statements (PDS)

Previous policies

Target Market Determinations (TMD)

Previous policies

Financial Services Guide (FSG)

Previous policies

Motorcycle Insurance

Product Disclosure Statement (PDS)

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.

Target Market Determination (TMD)

Effective from 21 April 2024.

Effective from 21 April 2024.

For previous versions of our TMDs, visit iag.com.au/tmd.

Premium Excess and Discount Guides (PED)

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.

Previous policies

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.

Business Insurance

Product Disclosure Statements (PDS)

Previous policies

Policy Wordings

Previous policies

Target Market Determination (TMD)

Effective from 5 October 2021.

For previous versions of our TMDs, visit iag.com.au/tmd.

Boat Insurance

Product Disclosure Statement (PDS)

For policies that started from 10 September 2023, or were renewed from 22 October 2023.

Target Market Determination (TMD)

Effective from 18 October 2024.

For previous versions of our TMDs, visit iag.com.au/tmd.

Premium Excess and Discount Guides (PED)

For policies that started or were renewed from 31 October 2025.

Previous policies

For policies that started from 21 April 2024–30 October 2025, or were renewed from 2 June 2024–30 October 2025.

Caravan Insurance

Product Disclosure Statement (PDS)

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.

Target Market Determination (TMD)

Effective from 21 April 2024.

Effective from 12 November 2024.

For previous versions of our TMDs, visit iag.com.au/tmd.

Premium Excess and Discount Guides (PED)

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.

Previous policies

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.

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Glossary

Product Disclosure Statements (PDS)

The PDS has the full details on a policy including what’s covered and what’s not, limits and conditions.

Policy Wordings

The Policy Wording has the full details on a policy including what’s covered and what’s not, limits and conditions.

Target Market Determinations (TMD)

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.

Premium, Excess & Discounts Guides (PED)

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.

Key Facts Sheets (KFS)

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.