Disclosure Documents

These documents explain how your product would work for you

A Product Disclosure Statement (PDS) and Financial Service Guide (FSG) are disclosure documents that tell you important information about the product.

The PDS tells you what you are and are not covered for under a specific product. It highlights things such as claimable events, benefit limits, exclusions and information on how our claims process works. It forms part of the issuing documents you receive when you purchase a product from Sovereign Insurance Australia.

A Target Market Determination (TMD) explains who the specific insurance may be suitable for, as well as aspects of the product which may make the insurance unsuitable for some customers (Australian policies only).

Downloading documents

These documents will be current at the time you visit our website. We will update these as changes are made, so if you are looking to purchase any particular you should read the most recent documents, not earlier downloaded versions.

If you have an existing policy, please refer to the documents from the time you purchased, as these will be the conditions that apply for you and the product you have purchased.

Australian Products

Asset Protection and GAP Policies

Asset Protection Insurance

Product Disclosure Statement (PDS)

Read PDS

Target Market Determination (TMD)

Effective from 6th of July 2023   (Current) Effective from 1st of March 2023 to 5th of July 2023

60 Days Complimentary Asset Protection Insurance

Product Disclosure Statement (PDS)

Read PDS

Target Market Determination (TMD)

Read TMD

AutoMe Assurance 60 Days Complimentary Asset Protection Insurance

Product Disclosure Statement (PDS)

Read PDS

Target Market Determination (TMD)

Read TMD

Excess Policies

Excess Plus Reimbursement Insurance

Product Disclosure Statement (PDS)

Read PDS

Target Market Determination (TMD)

Read TMD

AutoMe Assurance Excess Plus Reimbursement Insurance

Product Disclosure Statement (PDS)

Read PDS

Target Market Determination (TMD)

Read TMD

Mechanical Breakdown Policies

Auto Care Elite

Product Disclosure Statement (PDS)

Read PDS

Target Market Determination (TMD)

Read TMD

Caravan Care Elite

Product Disclosure Statement (PDS)

Read PDS

Target Market Determination (TMD)

Read TMD

Extension of Mechanical Warranty: Motor Vehicle

Product Disclosure Statement (PDS)

Read PDS

Target Market Determination (TMD)

Read TMD

Australian Petcover products

Horse and Pony Policies

Horse Liability Plan

Product Disclosure Statement (PDS)

Read PDS

Target Market Determination (TMD)

Effective from 30th June 2023   (Current) Effective from 1st January 2023 to 29th June 2023

Horse & Pony

Product Disclosure Statement (PDS)

Read PDS

Target Market Determination (TMD)

Effective from 30th June 2023   (Current) Effective from 1st January 2023 to 29th June 2023

Cats and Dogs Policies

Introductory Breeder Plan 6 Weeks Trial Policy

Product Disclosure Statement (PDS)

Read PDS

Target Market Determination (TMD)

Effective from 30th June 2023   (Current) Effective from 1st January 2023 to 29th June 2023

Introductory Charity Plan 4 Weeks Trial Policy

Product Disclosure Statement (PDS)

Read PDS

Target Market Determination (TMD)

Effective from 30th June 2023   (Current) Effective from 1st January 2023 to 29th June 2023

Mid-Range Plans (Core, Vital & Key)

Product Disclosure Statement (PDS)

Read PDS

Target Market Determination (TMD)

Effective from 30th June 2023   (Current) Effective from 1st January 2023 to 29th June 2023

Introductory Pet Shop Plan 4 Weeks Trial Policy

Product Disclosure Statement (PDS)

Read PDS

Target Market Determination (TMD)

Effective from 30th June 2023   (Current) Effective from 1st January 2023 to 29th June 2023

Safety-Net Plans (Catastrophe 1 & 2)

Product Disclosure Statement (PDS)

Read PDS

Target Market Determination (TMD)

Effective from 30th June 2023   (Current) Effective from 1st January 2023 to 29th June 2023

Safety-Net Plans Economy

Product Disclosure Statement (PDS)

Read PDS

Target Market Determination (TMD)

Effective from 30th June 2023   (Current) Effective from 1st January 2023 to 29th June 2023

Superior Plans Entry, Mid-Point & Superior

Product Disclosure Statement (PDS)

Read PDS

Target Market Determination (TMD)

Effective from 30th June 2023   (Current) Effective from 1st January 2023 to 29th June 2023

Introductory Veterinary Plan 4 Weeks Trial Policy

Product Disclosure Statement (PDS)

Read PDS

Target Market Determination (TMD)

Effective from 30th June 2023   (Current) Effective from 1st January 2023 to 29th June 2023

Other Policies

Exotic, Rare & Unusual - Premier, Plus & Value Plans

Product Disclosure Statement (PDS)

Read PDS

Target Market Determination (TMD)

Effective from 30th June 2023   (Current) Effective from 1st January 2023 to 29th June 2023

New Zealand Petcover products

Horse and Pony Policies

Horse Liability Plan

Read PDS

Horse & Pony Policy

Read PDS

Equine Third Party Liability Insurance Policy Booklet

Read PDS

Equine Horse & Pony Insurance Policy Booklet

Read PDS

Cats and Dogs Policies

Introductory Breeders Plan 6 Weeks Trial Policy

Read PDS

Safety-Net Plan (Economy)

Read PDS

Mid-point and Entry Plans Superior Plan

Read PDS

Mid-Range Plans (Core, Vital & Key)

Read PDS

Safety-Net Plans (Catastrophe 1 & 2)

Read PDS

Mid-Range Plans (Core, Vital & Key)

Read PDS

Safety-Net Plans (Catastrophe 1 & 2) - Pet Insurance Policy Booklet

Read PDS

Safety-Net Economy Plan

Read PDS