Product Disclosure Statement (PDS)
Dated: 6 September 2007
This Product Disclosure Statement (PDS) is an important document. If you
have difficulty reading or understanding English, please use an interpreter
to explain it to you before entering into a policy with us.
This information is provided by CommInsure, a registered business name of
Commonwealth Insurance Limited ABN 96 067 524 216 AFSL 235030 (CIL).
CIL is a wholly owned subsidiary of Commonwealth Bank of Australia
ABN 48 123 123 124 and is the insurer for this policy. Commonwealth Bank
of Australia and its related entities are jointly referred to in this PDS as the
Commonwealth Bank Group.
The Commonwealth Bank Group (other than CIL) does not guarantee the
obligations or performance of CIL or the products CIL offers. In this PDS
where we refer to ‘CommInsure’, ‘us’, ‘we’ and ‘our’ we mean CIL.
The information provided in this PDS has been provided only in accordance
with Australian laws and may not satisfy the laws of other countries. The
products and services described in this PDS are not available in countries or
to residents of countries where it is unlawful to provide the information
included in this PDS or where it is unlawful to offer the products or services. All
references to monetary amounts in the PDS are references to Australian dollars.
The information in this PDS will help you to:
(a) decide whether this policy will meet your needs, and
(b) compare this policy with other policies you may be considering.
The information in this PDS does not take into account your individual
objectives, financial situation or needs. You should consider the
appropriateness of this information to your circumstances before making
any decision about this policy.
You can contact us by:
•	calling	our	Customer	Service	Centre	on	13	24	23
•	visiting	our	web	site	at	comminsure.com.au
•	writing	to	us	at	PO	Box	315,	Silverwater	NSW	2128
•	faxing	our	Customer	Service	Centre	on	1300	901	218,	or