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Target Market Determinations (TMDs)

A Target Market Determination (TMD) seeks to offer customers, distributors and employees an understanding of the class of customers for which these products have been designed, considering their needs, objectives and financial situation.

Home & Contents

Home Building and/or Home Contents

CGU – Effective from 1 September 2024.

TMDHBC001 - Home Building and/or Home Contents

RACV – Effective from 5 October 2021.

TMDHBC003 - Home Building and/or Home Contents

NRMA – Effective from 30 September 2024.

TMDHBC004 - Home Building and/or Home Contents

CGU (ANZ only) – Effective from 3 July 2023.

TMDHBC005 - Home Building and/or Home Contents
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Home Building and/or Home Contents

Coles, CGU, Millennium – Effective from 13 February 2023–31 August 2024.

TMDHBC001_v1-002 - Home Building and/or Home Contents

Coles, CGU, Millennium – Effective from 5 October 2021–12 February 2023.

TMDHBC001_v1-001 - Home Building and/or Home Contents

NRMA (NSW, ACT, TAS, QLD), SGIO, SGIC – Effective from 5 October 2021–20 April 2024.

TMDHBC002-001 - Home Building and/or Home Contents

NRMA – Effective from 21 April 2024–29 September 2024.

TMDHBC004-001 - Home Building and/or Home Contents

NRMA (SA, WA, NT) – Effective from 28 November 2021–20 April 2024.

TMDHBC004_v1-002 - Home Building and/or Home Contents

NRMA (SA, WA, NT) – Effective from 5 October 2021–27 November 2021.

TMDHBC004_v1-001 - Home Building and/or Home Contents

Landlord

Landlord Buildings and/or Landlords Contents

CGU, WFI – Effective from 1 September 2024.

TMDLBC002 - Landlord Buildings and/or Landlords Contents

RACV – Effective from 5 October 2021.

TMDLBC004 - Landlord Buildings and/or Landlords Contents

NRMA – Effective from 21 April 2024.

TMDLBC005 - Landlord Buildings and/or Landlords Contents

CGU (ANZ only) – Effective from 3 July 2023.

TMDLBC006 - Landlord Buildings and/or Landlords Contents
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Landlord Buildings and/or Landlords Contents

WFI, ShareCover, Coles, CGU, Millennium – Effective from 19 June 2023–31 August 2024.

TMDLBC002_v1-003 - Landlord Buildings and/or Landlords Contents

WFI, ShareCover, Coles, CGU, Millennium – Effective from 13 February 2023–18 June 2023.

TMDLBC002_v1-002 - Landlord Buildings and/or Landlords Contents

WFI, ShareCover, Coles, CGU, Millennium – Effective from 5 October 2021–12 February 2023.

TMDLBC002_v1-001 - Landlord Buildings and/or Landlords Contents

NRMA (NSW, ACT, TAS, QLD), SGIO, SGIC – Effective from 5 October 2021–20 April 2024.

TMDLBC003-001 - Landlord Buildings and/or Landlords Contents

NRMA (SA, WA, NT) – Effective from 5 October 2021–20 April 2024.

TMDLBC005_v1-001 - Landlord Buildings and/or Landlords Contents

Strata

Residential Strata

CGU, SUU, WFI – Effective from 5 October 2021.

TMDRS001 - Residential Strata

NRMA – Effective from 21 April 2024.

TMDRS003 - Residential Strata

Commercial Strata

SUU, WFI – Effective from 5 October 2021.

TMDCS001 - Commercial Strata

Strata Title Mortgagee Protection cover

CGU – Effective from 9 February 2024.

TMDSTM001 - Strata Title Mortgagee Protection cover
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Residential Strata

NRMA (NSW) – Effective from 5 October 2021–20 April 2024.

TMDRS002-001 - Residential Strata

NRMA (SA, WA, NT) – Effective from 5 October 2021–20 April 2024.

TMDRS003_v1-001 - Residential Strata

Travel

Travel

CGU – Effective from 5 October 2021–14 August 2024

TMDTR001 - Travel

NRMA (SA, WA, NT) – Effective from 28 November 2021–4 December 2023.

TMDTR003 - Travel
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Complimentary Travel

CGU – Effective from 5 October 2021–30 November 2023.

TMDTR002-001 - Complimentary Travel

Caravan & Trailer

Caravan

CGU – Effective from 5 October 2021.

TMDCV001 - Caravan

Caravan & Trailer

RACV – Effective from 27 September 2024.

TMDCVT002 - Caravan & Trailer

NRMA – Effective from 21 April 2024.

TMDCVT003 - Caravan & Trailer
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Caravan & Trailer

NRMA (NSW, ACT, TAS, QLD), SGIO, SGIC – Effective from 5 October 2021–20 April 2024.

TMDCVT001-001 - Caravan & Trailer

RACV – Effective from 5 October 2021–26 September 2024.

TMDCVT002-001 - Caravan & Trailer

NRMA (SA, WA, NT) – Effective from 28 November 2021–20 April 2024.

TMDCVT003_v1-001 - Caravan & Trailer

Boat

Boat

CGU – Effective from 18 October 2024.

TMDBO001 - Boat

RACV – Effective from 18 October 2024.

TMDBO002 - Boat

NRMA – Effective from 18 October 2024.

TMDBO003 - Boat
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Boat

CGU – Effective from 22 July 2022–17 October 2024.

TMDBO001-001 - Boat

NRMA (NSW, ACT, TAS, QLD), SGIO, SGIC – Effective from 22 July 2022–20 April 2024.

TMDBO001_v2-001 - Boat

NRMA (NSW, ACT, TAS, QLD), SGIO, SGIC, CGU – Effective from 5 October 2021–21 July 2022.

TMDBO001_v1-001 - Boat

RACV – Effective from 5 October 2021–17 October 2024.

TMDBO002-001 - Boat

NRMA – Effective from 21 April 2024–17 October 2024.

TMDBO003-001 - Boat

NRMA (SA, WA, NT) – Effective from 28 November 2021–20 April 2024.

TMDBO003_v1-001 - Boat

Private Plan

Private Plan

WFI – Effective from 5 October 2021.

TMDPP001 - Private Plan

Motor & Motorcycle

Motor Vehicle

CGU – Effective from 26 June 2023.

TMDMVI001 - Motor Vehicle

CGU (ANZ only) – Effective from 25 January 2024.

TMDCA005 - Car

CGU (Steadfast SCTP only) – Effective from 10 October 2022.

TMDMVI007 - Motor Vehicle

RACV – Effective from 5 October 2021.

TMDMVI005 - Motor Vehicle

NRMA – Effective from 21 April 2024.

TMDCA003 - Car

Car

CGU (Driva only) – Effective for New Business policies commencing from 21 December 2022.

TMDCA004 - Car

Motor Vehicle

Rollin' – For policies that started from 31 August 2023, or were renewed from 1 October 2023.

TMDCA001 - Car

Motorcycle

Swann – For policies purchased on or after 15 of March 2018. Effective from 14 December 2022.

TMDMCI002 - Motorcycle

Swann – For policies purchased prior to 15 of March 2018 and renewed on or after 14 December 2022. Effective from 14 December 2022.

TMDMCI004 - Motorcycle

NRMA – Effective from 21 April 2024.

TMDMCI003 - Motorcycle

Veteran, Vintage and Classic Vehicle

RACV – Effective from 14 March 2022.

TMDVVC002 - Veteran, Vintage and Classic Vehicle

NRMA – Effective from 21 April 2024.

TMDCLA001 - Classic

Special Vehicle

Lumley Special Vehicles – Effective from 5 October 2021.

TMDLSV001 - Special Vehicle

Motorhome

NRMA – Effective from 12 November 2024.

TMDMHO001 - Motorhome
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Motor Vehicle

CGU – Effective from 5 October 2021–25 June 2023.

TMDMVI001-001 - Motor Vehicle

CGU (ANZ only) – Effective from 3 July 2023–24 January 2024.

TMDCA005-001 - Car

NRMA (NSW, ACT, TAS, QLD), SGIO, SGIC – Effective from 5 October 2021–20 April 2024.

TMDMVI003-001 - Motor Vehicle

Swann – Effective from 5 October 2021–8 November 2023.

TMDMVI004-001 - Motor Vehicle

NRMA (SA, WA, NT) – Effective from 4 April 2022–20 April 2024.

TMDCA003_v1-002 - Car

NRMA (SA, WA, NT) – Effective from 28 November 2021.

TMDCA003_v1-001 - Car

Coles – Effective from 5 October 2021–31 August 2024.

TMDCA002-001 - Car

Rollin' – Effective from 5 October 2021–30 August 2023.

TMDCA001-001 - Car

Motorcycle

Swann – Effective from 14 December 2022–2 February 2024.

TMDMCI001-002 - Motorcycle

Swann – For policies purchased prior to 15 March 2018. Effective from 5 October 2021–13 December 2022.

TMDMCI001-001 - Motorcycle

Swann – For policies purchased on or after 15 of March 2018. Effective from 5 October 2021–13 December 2022.

TMDMCI002-001 - Motorcycle

NRMA (SA, WA, NT) – Effective from 28 November 2021–20 April 2024.

TMDMCI003_v1-001 - Motorcycle

Veteran, Vintage and Classic Vehicle

NRMA, SGIO, SGIC – Effective from 14 March 2022–20 April 2024.

TMDVVC001-003 - Veteran, Vintage and Classic Vehicle

NRMA, SGIO, SGIC – Effective from 4 November 2021–13 March 2022.

TMDVVC001-002 - Veteran, Vintage and Classic Vehicle

NRMA, SGIO, SGIC – Effective from 5 October 2021–3 November 2021.

TMDVVC001-001 - Veteran, Vintage and Classic Vehicle

RACV – Effective from 4 November 2021–13 March 2022.

TMDVVC002-002 - Veteran, Vintage and Classic Vehicle

RACV – Effective from 5 October 2021–3 November 2021.

TMDVVC002-001 - Veteran, Vintage and Classic Vehicle

NRMA (SA, WA, NT) – Effective from 10 September 2023–20 April 2024.

TMDCLA001_v1-003 - Classic

NRMA (SA, WA, NT) – Effective from 14 March 2022–9 September 2023.

TMDCLA001_v1-002 - Classic

NRMA (SA, WA, NT) – Effective from 28 November 2021–13 March 2022.

TMDCLA001_v1-001 - Classic

Motorhome

NRMA – Effective from 21 April–11 November 2024.

TMDMHO001-001 - Motorhome

NRMA (SA, WA, NT) – Effective from 28 November 2021–20 April 2024.

TMDMHO001_v1-001 - Motorhome

Business Motor

Commercial Motor

CGU, 360 Underwriting Solutions – Effective from 10 November 2021.

TMDCMVI001 - Commercial Motor

CGU (AON only) – Effective from 10 November 2021.

TMDCMVI002 - Commercial Motor

Fleet Motor Vehicle

CGU, 360 Underwriting Solutions, Fuse Fleet – Effective from 5 October 2021.

TMDFLMVI001 - Fleet Motor Vehicle

Rentsure, Car Rental Insurance – Effective from 5 October 2021.

TMDFLMVI002 - Fleet Motor Vehicle

CGU (AON only) – Effective from 5 October 2021.

TMDFLMVI003 - Fleet Motor Vehicle

CGU (Marsh only) – Effective from 5 October 2021.

TMDFLMVI004 - Fleet Motor Vehicle

Motor Composite

CGU – Effective from 10 November 2021.

TMDMCO001 - Motor Composite
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Commercial Motor

CGU, 360 Underwriting Solutions – Effective from 5 October 2021–9 November 2021.

TMDCMVI001-001 - Commercial Motor

CGU (AON only) – Effective from 5 October 2021–9 November 2021.

TMDCMVI002-001 - Commercial Motor

CGU (Marsh only) – Effective from 5 October 2021–1 November 2024.

TMDCMVI003-001 - Commercial Motor

Motor Composite

CGU – Effective from 5 October 2021–9 November 2021.

TMDMCO001-001 - Motor Composite

Business

Business

CGU, NRMA, RACV – Effective from 5 October 2021.

TMDBU001 - Business

Motor Trade

CGU, NRMA, RACV – Effective from 3 October 2024.

TMDMTP001 - Motor Trade

Commercial Plan

WFI – Effective from 5 October 2021.

TMDCP001 - Commercial Plan

Office Plan

WFI – Effective from 5 October 2021.

TMDOP001 - Office Plan

Trades Plan

WFI – Effective from 5 October 2021.

TMDTP001 - Trades Plan
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Business

SGIO, SGIC – Effective from 5 October 2021–22 June 2024.

TMDBU001_v1-001 - Business

Motor Trade

CGU, NRMA, RACV – Effective from 5 October 2021–2 October 2024.

TMDMTP001-001 - Motor Trade

SGIO, SGIC – Effective from 5 October 2021–22 June 2024.

TMDMTP001_v1-001 - Motor Trade

Rural & Farm

Farm

CGU, NRMA, RACV – Effective from 5 October 2021.

TMDFP001 - Farm

CGU Broker – For policies new or renewed effective from 6 April 2024.

TMDFP002 - Farm

Millennium – Effective from 1 November 2023.

TMDFP004 - Farm

Farm Motor

CGU – Effective from 5 October 2021.

TMDFAMVI001 - Farm Motor

Rural Plan including Sugarpol & Fruit & Vegetable Farm

WFI – Effective from 5 October 2021.

TMDRP001 - Rural Plan including Sugarpol & Fruit & Vegetable Farm

Livestock

WFI – Effective from 5 October 2021.

TMDLI001 - Livestock

Equine

CGU (Nutrien Ag Solutions only) – Effective from 5 October 2021.

TMDEQ001 - Equine
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Farm

SGIO, SGIC – Effective from 5 October 2021–22 June 2024.

TMDFP001_v1-001 - Farm

CGU Broker – Effective from 5 October 2021–5 April 2024.

TMDFP002-001 - Farm

CGU (Marsh only) – Effective from 5 October 2021–5 April 2024.

TMDFP003-001 - Farm

Millennium – Effective from 5 October 2021–31 October 2023.

TMDFP004-001 - Farm

CGU (AON only) – Effective from 5 October 2021–21 June 2024.

TMDFP005-001 - Farm

Large Farm

CGU – Effective from 5 October 2021–31 March 2024.

TMDLF001-001 - Large Farm

Owner Builder

Owner Builder

CGU – Effective from 23 October 2024.

TMDOB001 - Owner Builder
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Owner Builder

CGU – Effective from 5 October 2021–22 October 2024.

TMDOB001-001 - Owner Builder

Insurance 4 That

Single Item

Insurance 4 That – Effective from 9 February 2024.

TMDSI001 - Single Item

Oz Bike

Insurance 4 That – Effective from 5 October 2021.

TMDOZB001 - Oz Bike
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Single Item

Insurance 4 That – Effective from 1 July 2022–8 February 2024.

TMDSI001-002 - Single Item

Insurance 4 That – Effective from 5 October 2021–30 June 2022.

TMDSI001-001 - Single Item

ShareCover

Motor Vehicle

ShareCover – Effective from 5 October 2021.

TMDRCC001 - RideCover Comprehensive

ShareCover – Effective from 5 October 2021.

TMDDC001 - DamageCover

Building and/or Contents

ShareCover – Effective from 16 November 2022.

TMDPBN001 - Short Stay
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Building and/or Contents

ShareCover – Effective from 5 October 2021–15 November 2022

TMDPBN001-001 - Short Stay

Landlord Buildings and/or Landlords Contents

WFI, ShareCover, Coles, CGU, Millennium – Effective from 19 June 2023–31 August 2024.

TMDLBC002_v1-003 - Landlord Buildings and/or Landlords Contents

WFI, ShareCover, Coles, CGU, Millennium – Effective from 13 February 2023–18 June 2023.

TMDLBC002_v1-002 - Landlord Buildings and/or Landlords Contents

WFI, ShareCover, Coles, CGU, Millennium – Effective from 5 October 2021–12 February 2023.

TMDLBC002_v1-001 - Landlord Buildings and/or Landlords Contents

Capital Notes

IAG Capital Notes 2

IAG – Effective from 21 November 2022.

TMDCN2001 - IAG Capital Notes 2

IAG Capital Notes 3

IAG – Effective from 4 March 2024.

TMDCN2002 - IAG Capital Notes 3

Australia

Acknowledgement

IAG acknowledges the Traditional Owners of the lands across Australia as the continuing custodians of land and waterways in which we live and work. We pay our respects to Elders and ancestors past and present.

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