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.
From the 5th October 2021, product issuers, under the Corporations Act 2001, are required to have Target Market Determinations for each product they issue to retail clients.
It also describes the events or circumstances where we may need to review the Target Market Determination for a financial product.
Travel insurance
Domestic travel
Integrated Domestic Travel Insurance Product Disclosure Statement (Covermore)
Integrated Domestic Travel Insurance Target Market Determination (Covermore)
for policies issued from 31/05/2023 and up to and including 12/12/2023
Integrated Domestic Travel Insurance Product Disclosure Statement (Covermore)
Integrated Domestic Travel Insurance Target Market Determination (Covermore)
for policies issued on or after 13/12/2023
Integrated Domestic Travel Insurance Product Disclosure Statement (Covermore)
Integrated Domestic Travel Insurance Target Market Determination (Covermore)
To obtain a copy of the Combined FSG/PDS for policies issued prior to 31 May 2023, please contact Cover-More.
International travel
for policies issued from 31/05/2023 and up to and including 12/12/2023
for policies issued on or after 13/12/2023
To obtain a copy of the Combined FSG/PDS for policies issued prior to 31 May 2023, please contact Cover-More.
Limits, sub-limits, conditions and exclusions apply. Insurance administered by Cover-More Insurance Services Pty Ltd (ABN 95 003 114 145, AFSL 241713) on behalf of the product issuer, Zurich Australian Insurance Limited (ABN 13 000 296 640, AFSL 232507). Any advice is general advice only. Please consider your financial situation, needs and objectives and read the Combined FSG/PDS before deciding to buy this insurance.