Insurance disclosure documents

Target Market Determination (TMD) - This document outlines who the insurance product may be suitable for, and any conditions around how the product can be distributed. It is designed to aid with decision making on your insurance needs. 

Product Disclosure Statement (PDS) - This provides information on what you are and are not covered for under a specific policy. It includes a description of the features, benefits, cost and risks associated with the policy.

Guide to premiums and excesses - This sets out key information about Home and Contents insurance policies. The information is designed to make it easier for you to compare policies.


Target Market Determinations (TMD)

Effective from 5th October 2021, as part of Design and Distribution Obligations under Treasury Laws Amendment (Design and Distribution Obligations and Product Intervention Powers) Act 2019, we will include Target Market Determinations for Guild Insurance retail insurance products.

What is a Target Market Determination?

A TMD is a document created by Guild Insurance that sets out:

·       who is in our target market and who the product is not designed for;

·       any distribution conditions and restrictions for this product;

·       review periods and events that may trigger a review;

·       reporting obligations of our distributors

Guild Insurance is committed to a customer centric approach when designing and distributing products. TMDs support our commitment to meet the needs of our customers by designing products that are consistent with the likely objectives, financial situation and needs of the customers for whom they are intended, i.e. our target market.

Target Market Determinations (TMDs)

Target Market Determinations will be available 21 September 2021 



Product Disclosure Statements (PDS)

Home essential final final

Home Essentials

Home elite final

Home Elite


Commercial motor vehicle final

Commercial Motor


comprehensive car pds final 2

Comprehensive Motor


For product disclosure documents of our other products, or if you need further assistance, please contact us on 1800 810 213


Guide to premiums, discounts, and excesses

This document is relevant to our Home Essential Insurance and Home Elite Insurance policies, which offer cover for your home, contents, personal property items and your legal liability.

Guide to premiums and excesses