A Product Disclosure Statement (PDS) and Financial Service Guide (FSG) are disclosure documents that tell you important information about the product.
The PDS tells you what you are and are not covered for under a specific product. It highlights things such as claimable events, benefit limits, exclusions and information on how our claims process works. It forms part of the issuing documents you receive when you purchase a product from Sovereign Insurance Australia.
A Target Market Determination (TMD) explains who the specific insurance may be suitable for, as well as aspects of the product which may make the insurance unsuitable for some customers (Australian policies only).
These documents will be current at the time you visit our website. We will update these as changes are made, so if you are looking to purchase any particular you should read the most recent documents, not earlier downloaded versions.
If you have an existing policy, please refer to the documents from the time you purchased, as these will be the conditions that apply for you and the product you have purchased.
Australian Products
Asset Protection and GAP Policies
Product Disclosure Statement (PDS)
Target Market Determination (TMD)
Consumer Credit Policies
Motor Vehicle Insurance Excess Reimbursement Policies
Mechanical Breakdown Policies
Rental Excess Policies
Australian Petcover products
Horse and Pony Policies
Cats and Dogs Policies
Other Policies
New Zealand Products
New Zealand Petcover products