{
 "dataset": "Australian building insurance",
 "source": "Each brand's and insurer's own Product Disclosure Statement, Key Facts Sheet, Target Market Determination and product pages (policies, cover, underwriter); APRA's list of registered general insurers (authorisation); ASIC's Australian Financial Services Licensee register on data.gov.au (licence, ABN)",
 "licence_note": "APRA authorisation is from APRA's list of registered general insurers, published under the Creative Commons Attribution 4.0 International licence (© Australian Prudential Regulation Authority). Licence fields are from ASIC's AFS Licensee dataset on data.gov.au, published under the Creative Commons Attribution 3.0 Australia licence. Policies, their cover and their underwriters are facts read from each brand's and insurer's own published documents, and every one carries the URL and the sentence it was read from. Policies change, and the document that applies to a policy is the one issued with it. This is reference data, not advice about which policy to buy.",
 "brand": {
  "slug": "sure-insurance",
  "name": "Sure Insurance",
  "website": "https://sure-insurance.com.au/",
  "kind": "underwriting_agency",
  "underwriter": "Pacific International, The New India Assurance, Chubb and QBE (panel)",
  "underwriter_abn": null,
  "underwriter_afsl": null,
  "lloyds": false,
  "distributor": {
   "name": "Sure Insurance Pty Ltd",
   "abn": "72624109128",
   "afsl": "506378",
   "authorised_representative_no": null
  },
  "segments": [
   "residential"
  ],
  "products": [
   {
    "name": "Sure Home and Contents Insurance (home building cover)",
    "type": "home_building",
    "segment": "residential",
    "channel": "both",
    "online_quote": true,
    "cover_basis": "sum_insured",
    "buffer_percent": null,
    "flood": "included",
    "accidental_damage": "optional",
    "levels": [],
    "eligibility": "Homes (owner-occupied or rented out) in regional Queensland, excluding Greater Brisbane, Greater Gold Coast and Greater Sunshine Coast regions.",
    "states": [
     "QLD"
    ],
    "documents": [
     {
      "title": "Home and Contents Product Disclosure Statement PDS06/2025 (effective 1 August 2025)",
      "url": "https://sure-insurance.com.au/wp-content/uploads/FA-SUR5014_HC-PDS_A5_AUG-2025_DIGITAL_FA_.pdf",
      "date": "2025-08-01"
     },
     {
      "title": "Key Facts Sheet - Home Building (KFSB 2025-08-01)",
      "url": "https://sure-insurance.com.au/wp-content/uploads/Sure-Insurance-Home-Key-Facts-Sheet-KFS-KFSB-2025-08-01-PDF.pdf",
      "date": "2025-08-01"
     },
     {
      "title": "Target Market Determination - Home and Contents (effective 26 June 2026)",
      "url": "https://sure-insurance.com.au/wp-content/uploads/Sure-HC-TMD-PDS-062025.pdf",
      "date": "2026-06-26"
     },
     {
      "title": "Important documents index",
      "url": "https://sure-insurance.com.au/important-documents/",
      "date": null
     }
    ],
    "quotes": {
     "product": {
      "text": "This Product Disclosure Statement (PDS) and any Supplementary PDS (SPDS) are important legal documents that contain details of your Sure Home and Contents Insurance policies.",
      "url": "https://sure-insurance.com.au/wp-content/uploads/FA-SUR5014_HC-PDS_A5_AUG-2025_DIGITAL_FA_.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "This Product Disclosure Statement (PDS) and any Supplementary PDS (SPDS) are important legal documents that contain details of your Sure Home and Contents Insurance policies.",
       "url": "https://sure-insurance.com.au/wp-content/uploads/FA-SUR5014_HC-PDS_A5_AUG-2025_DIGITAL_FA_.pdf#page=7",
       "page": 7,
       "document_sha256": "8c45984d5714c884024c7d62085ca64f5ffa5a0d4ea358f8850ba00d87a920bc",
       "confirmed": "2026-11-13"
      }
     },
     "channel": {
      "text": "The product is designed to be purchased via: • the Sure Insurance Call Centre, by calling 1300 392 535; or • a Sure Authorised Insurance Broker (see our website for details).",
      "url": "https://sure-insurance.com.au/wp-content/uploads/Sure-HC-TMD-PDS-062025.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "The product is designed to be purchased via: • the Sure Insurance Call Centre, by calling 1300 392 535; or • a Sure Authorised Insurance Broker (see our website for details).",
       "url": "https://sure-insurance.com.au/wp-content/uploads/Sure-HC-TMD-PDS-062025.pdf#page=5",
       "page": 5,
       "document_sha256": "dc9fb414b85eca4c8d7eac6cfb7be2d891fe4263f675da0d6d61f25fb27ab60f",
       "confirmed": "2026-11-13"
      }
     },
     "online_quote": {
      "text": "Alternatively, customers can purchase this product via the Sure Insurance Website at www.sure-insurance.com.au",
      "url": "https://sure-insurance.com.au/wp-content/uploads/Sure-HC-TMD-PDS-062025.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Alternatively, customers can purchase this product via the Sure Insurance Website at www.sure-insurance.com.au",
       "url": "https://sure-insurance.com.au/wp-content/uploads/Sure-HC-TMD-PDS-062025.pdf#page=5",
       "page": 5,
       "document_sha256": "dc9fb414b85eca4c8d7eac6cfb7be2d891fe4263f675da0d6d61f25fb27ab60f",
       "confirmed": "2026-11-13"
      }
     },
     "cover_basis": {
      "text": "Your home sum insured is the amount you choose to cover your home.",
      "url": "https://sure-insurance.com.au/wp-content/uploads/FA-SUR5014_HC-PDS_A5_AUG-2025_DIGITAL_FA_.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Your home sum insured is the amount you choose to cover your home.",
       "url": "https://sure-insurance.com.au/wp-content/uploads/FA-SUR5014_HC-PDS_A5_AUG-2025_DIGITAL_FA_.pdf#page=14",
       "page": 14,
       "document_sha256": "8c45984d5714c884024c7d62085ca64f5ffa5a0d4ea358f8850ba00d87a920bc",
       "confirmed": "2026-11-13"
      }
     },
     "flood": {
      "text": "Flood (including water runoff) Up to your sum insured. For more details see page 37.",
      "url": "https://sure-insurance.com.au/wp-content/uploads/FA-SUR5014_HC-PDS_A5_AUG-2025_DIGITAL_FA_.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Flood (including water runoff) Up to your sum insured. For more details see page 37.",
       "url": "https://sure-insurance.com.au/wp-content/uploads/FA-SUR5014_HC-PDS_A5_AUG-2025_DIGITAL_FA_.pdf#page=2",
       "page": 2,
       "document_sha256": "8c45984d5714c884024c7d62085ca64f5ffa5a0d4ea358f8850ba00d87a920bc",
       "confirmed": "2026-11-13"
      }
     },
     "accidental_damage": {
      "text": "OPTIONAL EXTRAS Accidental damage to the home Up to your sum insured.",
      "url": "https://sure-insurance.com.au/wp-content/uploads/FA-SUR5014_HC-PDS_A5_AUG-2025_DIGITAL_FA_.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "OPTIONAL EXTRAS Accidental damage to the home Up to your sum insured.",
       "url": "https://sure-insurance.com.au/wp-content/uploads/FA-SUR5014_HC-PDS_A5_AUG-2025_DIGITAL_FA_.pdf#page=3",
       "page": 3,
       "document_sha256": "8c45984d5714c884024c7d62085ca64f5ffa5a0d4ea358f8850ba00d87a920bc",
       "confirmed": "2026-11-13"
      }
     },
     "eligibility": {
      "text": "Homes which are situated inside of regional Queensland, excluding Greater Brisbane, Greater Gold Coast and Greater Sunshine Coast regions.",
      "url": "https://sure-insurance.com.au/wp-content/uploads/Sure-HC-TMD-PDS-062025.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Homes which are situated inside of regional Queensland, excluding Greater Brisbane, Greater Gold Coast and Greater Sunshine Coast regions.",
       "url": "https://sure-insurance.com.au/wp-content/uploads/Sure-HC-TMD-PDS-062025.pdf#page=2",
       "page": 2,
       "document_sha256": "dc9fb414b85eca4c8d7eac6cfb7be2d891fe4263f675da0d6d61f25fb27ab60f",
       "confirmed": "2026-11-13"
      }
     },
     "underwriter": {
      "text": "This policy is underwritten by Pacific International Insurance Pty Limited (ABN 83 169 311 193, AFSL 523921), trading as Pacific International (Pacific); The New India Assurance Co. Ltd. (ABN 93 000 151 593) (New India Assurance), Chubb Insurance Australia Limited (ABN 23 001 642 020, AFSL No. 239687) (Chubb) and QBE Insurance (Australia) Limited (ABN 78 003 191 035 AFSL 239545).",
      "url": "https://sure-insurance.com.au/wp-content/uploads/FA-SUR5014_HC-PDS_A5_AUG-2025_DIGITAL_FA_.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "This policy is underwritten by Pacific International Insurance Pty Limited (ABN 83 169 311 193, AFSL 523921), trading as Pacific International (Pacific); The New India Assurance Co. Ltd. (ABN 93 000 151 593) (New India Assurance), Chubb Insurance Australia Limited (ABN 23 001 642 020, AFSL No. 239687) (Chubb) and QBE Insurance (Australia) Limited (ABN 78 003 191 035 AFSL 239545).",
       "url": "https://sure-insurance.com.au/wp-content/uploads/FA-SUR5014_HC-PDS_A5_AUG-2025_DIGITAL_FA_.pdf#page=7",
       "page": 7,
       "document_sha256": "8c45984d5714c884024c7d62085ca64f5ffa5a0d4ea358f8850ba00d87a920bc",
       "confirmed": "2026-11-13"
      }
     },
     "unoccupied": {
      "text": "Any loss, damage or legal liability if your home has been unoccupied for 90 or more consecutive days and you did not tell us beforehand as shown on your Certificate of Insurance that it would be unoccupied for 90 days or longer.",
      "url": "https://sure-insurance.com.au/wp-content/uploads/FA-SUR5014_HC-PDS_A5_AUG-2025_DIGITAL_FA_.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Any loss, damage or legal liability if your home has been unoccupied for 90 or more consecutive days and you did not tell us beforehand as shown on your Certificate of Insurance that it would be unoccupied for 90 days or longer.",
       "url": "https://sure-insurance.com.au/wp-content/uploads/FA-SUR5014_HC-PDS_A5_AUG-2025_DIGITAL_FA_.pdf#page=32",
       "page": 32,
       "document_sha256": "8c45984d5714c884024c7d62085ca64f5ffa5a0d4ea358f8850ba00d87a920bc",
       "confirmed": "2026-11-13"
      }
     }
    },
    "conditions": [
     "The same policy covers owner-occupiers and landlords who rent out all or part of the home; accidental damage is not covered if the home is rented to another person (KFS).",
     "Home Insurance TMD says homes outside regional Queensland are outside the target market."
    ],
    "unoccupied": {
     "days": 90,
     "effect": "no_cover",
     "excess": null,
     "excluded_events": null,
     "still_covered": null,
     "must_tell": true,
     "conditions": "Unless you told Sure beforehand and it is shown on the Certificate of Insurance. Unoccupied means no one slept and ate there two nights running in the 90 days.",
     "then": null,
     "label": "No cover after 90 days"
    },
    "id": "sure-home-and-contents-insurance-home-building-cover",
    "type_label": "Home building",
    "issuers": [
     {
      "name": "Pacific International Insurance Pty Limited",
      "abn": "83169311193",
      "afsl": "523921",
      "lloyds": false,
      "slug": "pacific-international-insurance",
      "apra": {
       "status": "authorised",
       "name": "Pacific International Insurance Pty Limited",
       "source": {
        "url": "https://www.apra.gov.au/registers/list-registered-general-insurers",
        "licence": "Creative Commons Attribution 4.0 International; © Australian Prudential Regulation Authority"
       }
      },
      "licence": {
       "afsl": "523921",
       "name": "PACIFIC INTERNATIONAL INSURANCE PTY LIMITED",
       "abn": "83169311193",
       "acn": null,
       "licensed_since": "2020-12-08",
       "locality": "Newcastle NSW 2300",
       "source": {
        "dataset": "ASIC AFS Licensee dataset",
        "url": "https://data.gov.au/data/dataset/asic-afs-licensee",
        "release": "https://data.gov.au/data/dataset/ab7eddce-84df-4098-bc8f-500d0d9776d1/resource/d98a113d-6b50-40e6-b65f-2612efc877f4/download/afs_lic_202611.csv",
        "last_modified": "2026-11-11T20:51:07.739275",
        "licence": "Creative Commons Attribution 3.0 Australia"
       },
       "general_insurance": true,
       "disagreements": []
      }
     },
     {
      "name": "The New India Assurance Co. Ltd.",
      "abn": "93000151593",
      "afsl": null,
      "lloyds": false,
      "slug": "new-india-assurance",
      "apra": {
       "status": "authorised",
       "name": "The New India Assurance Co. Limited",
       "source": {
        "url": "https://www.apra.gov.au/registers/list-registered-general-insurers",
        "licence": "Creative Commons Attribution 4.0 International; © Australian Prudential Regulation Authority"
       }
      },
      "licence": null
     },
     {
      "name": "Chubb Insurance Australia Limited",
      "abn": "23001642020",
      "afsl": "239687",
      "lloyds": false,
      "slug": "chubb-insurance-australia",
      "apra": {
       "status": "authorised",
       "name": "Chubb Insurance Australia Ltd",
       "source": {
        "url": "https://www.apra.gov.au/registers/list-registered-general-insurers",
        "licence": "Creative Commons Attribution 4.0 International; © Australian Prudential Regulation Authority"
       }
      },
      "licence": {
       "afsl": "239687",
       "name": "CHUBB INSURANCE AUSTRALIA LTD",
       "abn": "23001642020",
       "acn": null,
       "licensed_since": "2004-01-19",
       "locality": "Sydney NSW 2000",
       "source": {
        "dataset": "ASIC AFS Licensee dataset",
        "url": "https://data.gov.au/data/dataset/asic-afs-licensee",
        "release": "https://data.gov.au/data/dataset/ab7eddce-84df-4098-bc8f-500d0d9776d1/resource/d98a113d-6b50-40e6-b65f-2612efc877f4/download/afs_lic_202611.csv",
        "last_modified": "2026-11-11T20:51:07.739275",
        "licence": "Creative Commons Attribution 3.0 Australia"
       },
       "general_insurance": true,
       "disagreements": []
      }
     },
     {
      "name": "QBE Insurance (Australia) Limited",
      "abn": "78003191035",
      "afsl": "239545",
      "lloyds": false,
      "slug": "qbe-insurance-australia",
      "apra": {
       "status": "authorised",
       "name": "QBE Insurance (Australia) Limited",
       "source": {
        "url": "https://www.apra.gov.au/registers/list-registered-general-insurers",
        "licence": "Creative Commons Attribution 4.0 International; © Australian Prudential Regulation Authority"
       }
      },
      "licence": {
       "afsl": "239545",
       "name": "QBE INSURANCE (AUSTRALIA) LIMITED",
       "abn": "78003191035",
       "acn": null,
       "licensed_since": "2004-03-10",
       "locality": "Sydney NSW 2000",
       "source": {
        "dataset": "ASIC AFS Licensee dataset",
        "url": "https://data.gov.au/data/dataset/asic-afs-licensee",
        "release": "https://data.gov.au/data/dataset/ab7eddce-84df-4098-bc8f-500d0d9776d1/resource/d98a113d-6b50-40e6-b65f-2612efc877f4/download/afs_lic_202611.csv",
        "last_modified": "2026-11-11T20:51:07.739275",
        "licence": "Creative Commons Attribution 3.0 Australia"
       },
       "general_insurance": true,
       "disagreements": []
      }
     }
    ]
   },
   {
    "name": "Sure Residential Strata Insurance",
    "type": "residential_strata",
    "segment": "residential",
    "channel": "broker",
    "online_quote": false,
    "cover_basis": null,
    "buffer_percent": null,
    "flood": "included",
    "accidental_damage": null,
    "levels": [],
    "eligibility": "Residential community title (strata) properties in Queensland, plus single-owner non-community-titled properties of 5 to 20 units.",
    "states": [
     "QLD"
    ],
    "underwriter": "XL Insurance Company SE, Australia Branch",
    "underwriter_abn": "36083570441",
    "underwriter_afsl": null,
    "lloyds": false,
    "documents": [
     {
      "title": "Residential Strata PDS RST04/2026 link (the file is the Target Market Determination, effective 1 August 2026)",
      "url": "https://sure-insurance.com.au/wp-content/uploads/RST042026.pdf",
      "date": "2026-08-01"
     },
     {
      "title": "Key Facts Sheet - Residential Strata (KFSR 2024-04-01)",
      "url": "https://sure-insurance.com.au/wp-content/uploads/KFS-Strata-2024-04-01.pdf",
      "date": "2024-04-01"
     },
     {
      "title": "Residential Strata Target Market Determination TMDRST (2024-04-01)",
      "url": "https://sure-insurance.com.au/wp-content/uploads/Target-Market-Determination-Sure-Insurance-Residential-Strata-Insurance-TMDRST-2024-04-01.pdf",
      "date": "2024-04-01"
     },
     {
      "title": "Important documents index",
      "url": "https://sure-insurance.com.au/important-documents/",
      "date": null
     }
    ],
    "quotes": {
     "product": {
      "text": "The product provides Building and/or Common Contents cover for residential community title properties (commonly referred to as strata title properties).",
      "url": "https://sure-insurance.com.au/wp-content/uploads/RST042026.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "The product provides Building and/or Common Contents cover for residential community title properties (commonly referred to as strata title properties).",
       "url": "https://sure-insurance.com.au/wp-content/uploads/RST042026.pdf#page=1",
       "page": 1,
       "document_sha256": "499b59db84e6613906da895563ee993591634e96ecc4712fb8a059701ba5712e",
       "confirmed": "2026-11-13"
      }
     },
     "channel": {
      "text": "The product is designed to only be purchased from a Sure Authorised Insurance Broker and their Authorised Representatives. This product is not designed to be sold directly from Sure Insurance.",
      "url": "https://sure-insurance.com.au/wp-content/uploads/RST042026.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "The product is designed to only be purchased from a Sure Authorised Insurance Broker and their Authorised Representatives. This product is not designed to be sold directly from Sure Insurance.",
       "url": "https://sure-insurance.com.au/wp-content/uploads/RST042026.pdf#page=2",
       "page": 2,
       "document_sha256": "499b59db84e6613906da895563ee993591634e96ecc4712fb8a059701ba5712e",
       "confirmed": "2026-11-13"
      }
     },
     "flood": {
      "text": "Flood and water runoff Yes You are not covered for any loss or damage caused by underground (hydrostatic) water or pressure.",
      "url": "https://sure-insurance.com.au/wp-content/uploads/KFS-Strata-2024-04-01.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Flood and water runoff Yes You are not covered for any loss or damage caused by underground (hydrostatic) water or pressure.",
       "url": "https://sure-insurance.com.au/wp-content/uploads/KFS-Strata-2024-04-01.pdf#page=1",
       "page": 1,
       "document_sha256": "fef08e559f625876352d1f80400a39d6aef78639af4e8710f715c29b1a4cede6",
       "confirmed": "2026-11-13"
      }
     },
     "eligibility": {
      "text": "Common Contents located in a residential Community title property situated in Queensland.",
      "url": "https://sure-insurance.com.au/wp-content/uploads/RST042026.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Common Contents located in a residential Community title property situated in Queensland.",
       "url": "https://sure-insurance.com.au/wp-content/uploads/RST042026.pdf#page=2",
       "page": 2,
       "document_sha256": "499b59db84e6613906da895563ee993591634e96ecc4712fb8a059701ba5712e",
       "confirmed": "2026-11-13"
      }
     },
     "underwriter": {
      "text": "For Residential Strata policies with an effective date from 1/08/2026 Financial services in connection with your insurance are provided by us on behalf of the following product issuer XL Insurance Company SE, Australia Branch (ABN 36 083 570 441)",
      "url": "https://sure-insurance.com.au/wp-content/uploads/RST042026.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "For Residential Strata policies with an effective date from 1/08/2026 Financial services in connection with your insurance are provided by us on behalf of the following product issuer XL Insurance Company SE, Australia Branch (ABN 36 083 570 441)",
       "url": "https://sure-insurance.com.au/wp-content/uploads/RST042026.pdf#page=3",
       "page": 3,
       "document_sha256": "499b59db84e6613906da895563ee993591634e96ecc4712fb8a059701ba5712e",
       "confirmed": "2026-11-13"
      }
     },
     "unoccupied": {
      "text": "Unoccupied lots for more than 60 days",
      "url": "https://sure-insurance.com.au/wp-content/uploads/RST042026.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Unoccupied lots for more than 60 days",
       "url": "https://sure-insurance.com.au/wp-content/uploads/RST042026.pdf#page=1",
       "page": 1,
       "document_sha256": "499b59db84e6613906da895563ee993591634e96ecc4712fb8a059701ba5712e",
       "confirmed": "2026-11-13"
      }
     }
    },
    "conditions": [
     "The strata PDS RST04/2026 link on Sure's documents page returns only the Target Market Determination; the flood row comes from the 2024 Key Facts Sheet. Before 1 August 2026 the issuer was Liberty Mutual Insurance Company, Australia Branch."
    ],
    "unoccupied": {
     "days": 60,
     "effect": "not_accepted",
     "excess": null,
     "excluded_events": null,
     "still_covered": null,
     "must_tell": null,
     "conditions": null,
     "then": null,
     "label": "Not accepted if empty over 60 days"
    },
    "id": "sure-residential-strata-insurance",
    "type_label": "Residential strata",
    "issuers": [
     {
      "name": "XL Insurance Company SE, Australia Branch",
      "abn": "36083570441",
      "afsl": null,
      "lloyds": false,
      "slug": "xl-insurance",
      "apra": {
       "status": "authorised",
       "name": "XL Insurance Company SE",
       "source": {
        "url": "https://www.apra.gov.au/registers/list-registered-general-insurers",
        "licence": "Creative Commons Attribution 4.0 International; © Australian Prudential Regulation Authority"
       }
      },
      "licence": null
     }
    ]
   }
  ],
  "quotes": {
   "underwriter": {
    "text": "This policy is underwritten by Pacific International Insurance Pty Limited (ABN 83 169 311 193, AFSL 523921), trading as Pacific International (Pacific); The New India Assurance Co. Ltd. (ABN 93 000 151 593) (New India Assurance), Chubb Insurance Australia Limited (ABN 23 001 642 020, AFSL No. 239687) (Chubb) and QBE Insurance (Australia) Limited (ABN 78 003 191 035 AFSL 239545).",
    "url": "https://sure-insurance.com.au/wp-content/uploads/FA-SUR5014_HC-PDS_A5_AUG-2025_DIGITAL_FA_.pdf",
    "checked": {
     "status": "found",
     "at": "2026-11-13T00:55:57+00:00"
    },
    "citation": {
     "quote": "This policy is underwritten by Pacific International Insurance Pty Limited (ABN 83 169 311 193, AFSL 523921), trading as Pacific International (Pacific); The New India Assurance Co. Ltd. (ABN 93 000 151 593) (New India Assurance), Chubb Insurance Australia Limited (ABN 23 001 642 020, AFSL No. 239687) (Chubb) and QBE Insurance (Australia) Limited (ABN 78 003 191 035 AFSL 239545).",
     "url": "https://sure-insurance.com.au/wp-content/uploads/FA-SUR5014_HC-PDS_A5_AUG-2025_DIGITAL_FA_.pdf#page=7",
     "page": 7,
     "document_sha256": "8c45984d5714c884024c7d62085ca64f5ffa5a0d4ea358f8850ba00d87a920bc",
     "confirmed": "2026-11-13"
    }
   },
   "distributor": {
    "text": "Sure Insurance Pty Ltd (ABN 72 624 109 128, AFSL 506378) (‘Sure Insurance’) acts under a binding authority as an agent for the insurers of the products:",
    "url": "https://sure-insurance.com.au/wp-content/uploads/Sure-HC-TMD-PDS-062025.pdf",
    "checked": {
     "status": "found",
     "at": "2026-11-13T00:55:57+00:00"
    },
    "citation": {
     "quote": "Sure Insurance Pty Ltd (ABN 72 624 109 128, AFSL 506378) (‘Sure Insurance’) acts under a binding authority as an agent for the insurers of the products:",
     "url": "https://sure-insurance.com.au/wp-content/uploads/Sure-HC-TMD-PDS-062025.pdf#page=7",
     "page": 7,
     "document_sha256": "dc9fb414b85eca4c8d7eac6cfb7be2d891fe4263f675da0d6d61f25fb27ab60f",
     "confirmed": "2026-11-13"
    }
   }
  },
  "curation_notes": "Regional-Queensland Managing General Agent (Sure Insurance Pty Ltd) found via Liberty's TMD index, but Liberty is no longer the issuer: Home and Contents policies from 1/08/2025 are underwritten by a panel (Pacific International, New India Assurance, Chubb, QBE) and Residential Strata from 1/08/2026 by XL Insurance Company SE, Australia Branch (Liberty Mutual Insurance Company, Australia Branch was the issuer for older policies). Brand-level underwriter is the first-listed panel member; the home product carries the full panel. Sure's documents disagree on its own ABN/AFSL (TMD/FSG: ABN 72 624 109 128, AFSL 506378; PDS: ABN 76 ...; strata KFS: AFSL 503678); TMD figures used. Landlord cover is part of the Home and Contents policy (no separate landlord PDS). The Sure site lists a separate Short Stay product; not recorded.",
  "panel": [
   {
    "underwriter": "Pacific International Insurance Pty Limited",
    "underwriter_abn": "83169311193",
    "underwriter_afsl": "523921",
    "lloyds": false
   },
   {
    "underwriter": "The New India Assurance Co. Ltd.",
    "underwriter_abn": "93000151593",
    "underwriter_afsl": null,
    "lloyds": false
   },
   {
    "underwriter": "Chubb Insurance Australia Limited",
    "underwriter_abn": "23001642020",
    "underwriter_afsl": "239687",
    "lloyds": false
   },
   {
    "underwriter": "QBE Insurance (Australia) Limited",
    "underwriter_abn": "78003191035",
    "underwriter_afsl": "239545",
    "lloyds": false
   }
  ],
  "issuers": [
   {
    "name": "Pacific International Insurance Pty Limited",
    "abn": "83169311193",
    "afsl": "523921",
    "lloyds": false,
    "slug": "pacific-international-insurance",
    "apra": {
     "status": "authorised",
     "name": "Pacific International Insurance Pty Limited",
     "source": {
      "url": "https://www.apra.gov.au/registers/list-registered-general-insurers",
      "licence": "Creative Commons Attribution 4.0 International; © Australian Prudential Regulation Authority"
     }
    },
    "licence": {
     "afsl": "523921",
     "name": "PACIFIC INTERNATIONAL INSURANCE PTY LIMITED",
     "abn": "83169311193",
     "acn": null,
     "licensed_since": "2020-12-08",
     "locality": "Newcastle NSW 2300",
     "source": {
      "dataset": "ASIC AFS Licensee dataset",
      "url": "https://data.gov.au/data/dataset/asic-afs-licensee",
      "release": "https://data.gov.au/data/dataset/ab7eddce-84df-4098-bc8f-500d0d9776d1/resource/d98a113d-6b50-40e6-b65f-2612efc877f4/download/afs_lic_202611.csv",
      "last_modified": "2026-11-11T20:51:07.739275",
      "licence": "Creative Commons Attribution 3.0 Australia"
     },
     "general_insurance": true,
     "disagreements": []
    }
   },
   {
    "name": "The New India Assurance Co. Ltd.",
    "abn": "93000151593",
    "afsl": null,
    "lloyds": false,
    "slug": "new-india-assurance",
    "apra": {
     "status": "authorised",
     "name": "The New India Assurance Co. Limited",
     "source": {
      "url": "https://www.apra.gov.au/registers/list-registered-general-insurers",
      "licence": "Creative Commons Attribution 4.0 International; © Australian Prudential Regulation Authority"
     }
    },
    "licence": null
   },
   {
    "name": "Chubb Insurance Australia Limited",
    "abn": "23001642020",
    "afsl": "239687",
    "lloyds": false,
    "slug": "chubb-insurance-australia",
    "apra": {
     "status": "authorised",
     "name": "Chubb Insurance Australia Ltd",
     "source": {
      "url": "https://www.apra.gov.au/registers/list-registered-general-insurers",
      "licence": "Creative Commons Attribution 4.0 International; © Australian Prudential Regulation Authority"
     }
    },
    "licence": {
     "afsl": "239687",
     "name": "CHUBB INSURANCE AUSTRALIA LTD",
     "abn": "23001642020",
     "acn": null,
     "licensed_since": "2004-01-19",
     "locality": "Sydney NSW 2000",
     "source": {
      "dataset": "ASIC AFS Licensee dataset",
      "url": "https://data.gov.au/data/dataset/asic-afs-licensee",
      "release": "https://data.gov.au/data/dataset/ab7eddce-84df-4098-bc8f-500d0d9776d1/resource/d98a113d-6b50-40e6-b65f-2612efc877f4/download/afs_lic_202611.csv",
      "last_modified": "2026-11-11T20:51:07.739275",
      "licence": "Creative Commons Attribution 3.0 Australia"
     },
     "general_insurance": true,
     "disagreements": []
    }
   },
   {
    "name": "QBE Insurance (Australia) Limited",
    "abn": "78003191035",
    "afsl": "239545",
    "lloyds": false,
    "slug": "qbe-insurance-australia",
    "apra": {
     "status": "authorised",
     "name": "QBE Insurance (Australia) Limited",
     "source": {
      "url": "https://www.apra.gov.au/registers/list-registered-general-insurers",
      "licence": "Creative Commons Attribution 4.0 International; © Australian Prudential Regulation Authority"
     }
    },
    "licence": {
     "afsl": "239545",
     "name": "QBE INSURANCE (AUSTRALIA) LIMITED",
     "abn": "78003191035",
     "acn": null,
     "licensed_since": "2004-03-10",
     "locality": "Sydney NSW 2000",
     "source": {
      "dataset": "ASIC AFS Licensee dataset",
      "url": "https://data.gov.au/data/dataset/asic-afs-licensee",
      "release": "https://data.gov.au/data/dataset/ab7eddce-84df-4098-bc8f-500d0d9776d1/resource/d98a113d-6b50-40e6-b65f-2612efc877f4/download/afs_lic_202611.csv",
      "last_modified": "2026-11-11T20:51:07.739275",
      "licence": "Creative Commons Attribution 3.0 Australia"
     },
     "general_insurance": true,
     "disagreements": []
    }
   }
  ],
  "distributor_licence": {
   "afsl": "506378",
   "name": "SURE INSURANCE PTY LTD",
   "abn": "72624109128",
   "acn": null,
   "licensed_since": "2018-08-20",
   "locality": "Albion QLD 4010",
   "source": {
    "dataset": "ASIC AFS Licensee dataset",
    "url": "https://data.gov.au/data/dataset/asic-afs-licensee",
    "release": "https://data.gov.au/data/dataset/ab7eddce-84df-4098-bc8f-500d0d9776d1/resource/d98a113d-6b50-40e6-b65f-2612efc877f4/download/afs_lic_202611.csv",
    "last_modified": "2026-11-11T20:51:07.739275",
    "licence": "Creative Commons Attribution 3.0 Australia"
   }
  },
  "page": "https://deepalmanac.com/au/insurance/building/sure-insurance/",
  "json": "https://deepalmanac.com/au/insurance/building/v1/brands/sure-insurance.json"
 }
}