Goulburn Murray Credit Union Co-operative Ltd ABN 87087651509 AFSL/Australian Credit Licence No. 241364 arranges this insurance as agent for the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL No 234708. Goulburn Murray Credit Union Co-operative Ltd ABN 087 651 509 AFSL No 241364 (gmcu) is a referrer of Club Marine Limited (“Club Marine") ABN 12 007 588 347, AFSL 236916. Club Marine is an agent of the insurer Allianz Australia Insurance Limited (“Allianz”) ABN 15 000 122 850 AFSL 234708 and is a member of the Allianz Group. The Target Market Determination describes the class of customers for which the product has been designed, having regard to their likely needs, objectives and financial situation.  We do not provide any advice based on any consideration of your objectives, financial situation or needs. Policy terms, conditions, limits and exclusions apply. Before making a decision, please consider the relevant Product Disclosure Statement available here or by calling (03) 5821 9033. The relevant Target Market Determination is available by calling (03) 5821 9033. If you purchase this insurance, we will receive a commission that is a percentage of the premium. Ask us for more details before we provide you with services.