InsurancePoint.com.au, ABN 14 641 078 837 (InsurancePoint) is the promoter of this insurance, as an authorised representative of Open Insurance Pty Ltd, ABN 23 166 949 444, AFSL no. 451712 (Open) under AR 1293617. This insurance is issued by Open on behalf of the insurer, The Hollard Insurance Company Pty Ltd, ABN 78 090 584 473, AFSL no. 241436 (Hollard). InsurancePoint and Open act as agents of Hollard and not on your behalf. Cover is subject to terms, limits and exclusions. Any information or advice provided is general only and doesn’t consider your objectives, financial situation or needs. You should carefully read the relevant Product Disclosure Statement and Financial Services Guide, and consider the Target Market Determination to help you decide if the product is right for you.