{
 "what_this_is": "Which company actually underwrites each Australian retail travel insurance brand, read out of that brand's own Product Disclosure Statement and Target Market Determination, with the sentence it was read from.",
 "why_it_matters": "Travel insurance is sold under far more brands than there are insurers. Two brands a traveller is comparing often share an underwriter, and sometimes a distributor, so they share the company that carries the risk and handles the claim. Nothing on either website says so. They are not the same policy, though: see wording_overlap, which measures how much of their wording two brands actually have in common, and bear in mind that the price is set by the brand rather than the insurer.",
 "coverage": "This is every brand a person has found and pinned a document for, not every brand in the market: there is no register of travel insurance brands to work from, and none of travel insurers either. Brands that could not be read are listed in not_collected with the reason. So the concentration here is a floor, and the insurers listed are those behind the brands read rather than every insurer writing travel cover in Australia. An insurer can appear here through one brand while its own retail site is among the ones not read, which is the case for Allianz.",
 "concentration": {
  "brands": 12,
  "brands_with_an_insurer_named": 12,
  "distinct_insurers": 6,
  "largest_insurer": "Zurich Australian Insurance Limited",
  "largest_insurer_brands": 5,
  "largest_insurer_share_pct": 41.7,
  "note": "Lloyd's is counted once however a document spells it, because a Lloyd's-backed policy is Lloyd's-backed either way. Every other insurer counts under its own registered name."
 },
 "by_insurer": [
  {
   "insurer": "Zurich Australian Insurance Limited",
   "brands": [
    "australia-post",
    "budget-direct",
    "cover-more",
    "medibank",
    "webjet"
   ],
   "brand_count": 5
  },
  {
   "insurer": "Lloyd's",
   "brands": [
    "fast-cover",
    "travel-insurance-saver"
   ],
   "brand_count": 2
  },
  {
   "insurer": "Mitsui Sumitomo Insurance Company Limited",
   "brands": [
    "insureandgo",
    "tick"
   ],
   "brand_count": 2
  },
  {
   "insurer": "Allianz Australia Insurance Limited",
   "brands": [
    "travel-insurance-direct"
   ],
   "brand_count": 1
  },
  {
   "insurer": "HDI Global Speciality SE",
   "brands": [
    "zoom"
   ],
   "brand_count": 1
  },
  {
   "insurer": "Tokio Marine & Nichido Fire Insurance Co., Ltd",
   "brands": [
    "racv"
   ],
   "brand_count": 1
  }
 ],
 "wording_overlap": {
  "method": "Each PDS is reduced to the set of its overlapping 8-word runs, and two documents are compared by the share of runs they have in common (intersection over union). Identical documents would score 100%.",
  "why": "To answer whether comparing two brands is worth doing, with a measurement rather than an assumption.",
  "by_relationship": {
   "same_insurer_same_distributor": {
    "pairs": 3,
    "median_pct": 16.1,
    "min_pct": 14.5,
    "max_pct": 17.3
   },
   "same_insurer_different_distributor": {
    "pairs": 9,
    "median_pct": 18.1,
    "min_pct": 0.5,
    "max_pct": 19.8
   },
   "different_insurer": {
    "pairs": 54,
    "median_pct": 0.2,
    "min_pct": 0.1,
    "max_pct": 1.8
   }
  },
  "times_baseline": 90.5,
  "what_it_means": "Two brands on different insurers share almost no wording. Two on the same insurer share a substantial common core, which is that insurer's own definitions, exclusions and claims procedure. But the overlap is far from total, so they are the same insurer's wording differently packaged — different plan names, different benefit tables, different limits — not one product behind two labels. Sharing an insurer means sharing the risk carrier and the claims handling, not the policy.",
  "lloyds_is_not_one_wording": "Lloyd's is grouped as one insurer because it is one regulatory footing, not one underwriting department. Two Lloyd's-backed brands can come from different syndicates and share no wording at all, which is why the same-insurer range below reaches down near the baseline.",
  "pairs": [
   {
    "brands": [
     "australia-post",
     "medibank"
    ],
    "overlap_pct": 19.8,
    "relationship": "same_insurer_different_distributor"
   },
   {
    "brands": [
     "australia-post",
     "webjet"
    ],
    "overlap_pct": 19.4,
    "relationship": "same_insurer_different_distributor"
   },
   {
    "brands": [
     "budget-direct",
     "webjet"
    ],
    "overlap_pct": 19.3,
    "relationship": "same_insurer_different_distributor"
   },
   {
    "brands": [
     "medibank",
     "webjet"
    ],
    "overlap_pct": 19.0,
    "relationship": "same_insurer_different_distributor"
   },
   {
    "brands": [
     "australia-post",
     "budget-direct"
    ],
    "overlap_pct": 18.1,
    "relationship": "same_insurer_different_distributor"
   },
   {
    "brands": [
     "budget-direct",
     "cover-more"
    ],
    "overlap_pct": 17.9,
    "relationship": "same_insurer_different_distributor"
   },
   {
    "brands": [
     "budget-direct",
     "medibank"
    ],
    "overlap_pct": 17.3,
    "relationship": "same_insurer_same_distributor"
   },
   {
    "brands": [
     "cover-more",
     "webjet"
    ],
    "overlap_pct": 16.1,
    "relationship": "same_insurer_same_distributor"
   },
   {
    "brands": [
     "cover-more",
     "medibank"
    ],
    "overlap_pct": 16.0,
    "relationship": "same_insurer_different_distributor"
   },
   {
    "brands": [
     "australia-post",
     "cover-more"
    ],
    "overlap_pct": 14.9,
    "relationship": "same_insurer_different_distributor"
   },
   {
    "brands": [
     "insureandgo",
     "tick"
    ],
    "overlap_pct": 14.5,
    "relationship": "same_insurer_same_distributor"
   },
   {
    "brands": [
     "fast-cover",
     "zoom"
    ],
    "overlap_pct": 1.8,
    "relationship": "different_insurer"
   },
   {
    "brands": [
     "travel-insurance-direct",
     "zoom"
    ],
    "overlap_pct": 1.7,
    "relationship": "different_insurer"
   },
   {
    "brands": [
     "fast-cover",
     "travel-insurance-direct"
    ],
    "overlap_pct": 1.1,
    "relationship": "different_insurer"
   },
   {
    "brands": [
     "racv",
     "zoom"
    ],
    "overlap_pct": 0.7,
    "relationship": "different_insurer"
   },
   {
    "brands": [
     "budget-direct",
     "insureandgo"
    ],
    "overlap_pct": 0.6,
    "relationship": "different_insurer"
   },
   {
    "brands": [
     "cover-more",
     "insureandgo"
    ],
    "overlap_pct": 0.6,
    "relationship": "different_insurer"
   },
   {
    "brands": [
     "cover-more",
     "racv"
    ],
    "overlap_pct": 0.6,
    "relationship": "different_insurer"
   },
   {
    "brands": [
     "insureandgo",
     "medibank"
    ],
    "overlap_pct": 0.6,
    "relationship": "different_insurer"
   },
   {
    "brands": [
     "medibank",
     "tick"
    ],
    "overlap_pct": 0.6,
    "relationship": "different_insurer"
   },
   {
    "brands": [
     "travel-insurance-saver",
     "zoom"
    ],
    "overlap_pct": 0.6,
    "relationship": "different_insurer"
   },
   {
    "brands": [
     "australia-post",
     "racv"
    ],
    "overlap_pct": 0.5,
    "relationship": "different_insurer"
   },
   {
    "brands": [
     "budget-direct",
     "tick"
    ],
    "overlap_pct": 0.5,
    "relationship": "different_insurer"
   },
   {
    "brands": [
     "fast-cover",
     "tick"
    ],
    "overlap_pct": 0.5,
    "relationship": "different_insurer"
   },
   {
    "brands": [
     "fast-cover",
     "travel-insurance-saver"
    ],
    "overlap_pct": 0.5,
    "relationship": "same_insurer_different_distributor"
   },
   {
    "brands": [
     "insureandgo",
     "racv"
    ],
    "overlap_pct": 0.5,
    "relationship": "different_insurer"
   },
   {
    "brands": [
     "insureandgo",
     "webjet"
    ],
    "overlap_pct": 0.5,
    "relationship": "different_insurer"
   },
   {
    "brands": [
     "medibank",
     "racv"
    ],
    "overlap_pct": 0.5,
    "relationship": "different_insurer"
   },
   {
    "brands": [
     "racv",
     "tick"
    ],
    "overlap_pct": 0.5,
    "relationship": "different_insurer"
   },
   {
    "brands": [
     "racv",
     "travel-insurance-direct"
    ],
    "overlap_pct": 0.5,
    "relationship": "different_insurer"
   },
   {
    "brands": [
     "tick",
     "webjet"
    ],
    "overlap_pct": 0.5,
    "relationship": "different_insurer"
   },
   {
    "brands": [
     "budget-direct",
     "racv"
    ],
    "overlap_pct": 0.4,
    "relationship": "different_insurer"
   },
   {
    "brands": [
     "cover-more",
     "tick"
    ],
    "overlap_pct": 0.4,
    "relationship": "different_insurer"
   },
   {
    "brands": [
     "fast-cover",
     "insureandgo"
    ],
    "overlap_pct": 0.4,
    "relationship": "different_insurer"
   },
   {
    "brands": [
     "travel-insurance-direct",
     "travel-insurance-saver"
    ],
    "overlap_pct": 0.4,
    "relationship": "different_insurer"
   },
   {
    "brands": [
     "australia-post",
     "insureandgo"
    ],
    "overlap_pct": 0.3,
    "relationship": "different_insurer"
   },
   {
    "brands": [
     "fast-cover",
     "racv"
    ],
    "overlap_pct": 0.3,
    "relationship": "different_insurer"
   },
   {
    "brands": [
     "racv",
     "webjet"
    ],
    "overlap_pct": 0.3,
    "relationship": "different_insurer"
   },
   {
    "brands": [
     "australia-post",
     "fast-cover"
    ],
    "overlap_pct": 0.2,
    "relationship": "different_insurer"
   },
   {
    "brands": [
     "australia-post",
     "tick"
    ],
    "overlap_pct": 0.2,
    "relationship": "different_insurer"
   },
   {
    "brands": [
     "australia-post",
     "travel-insurance-saver"
    ],
    "overlap_pct": 0.2,
    "relationship": "different_insurer"
   },
   {
    "brands": [
     "australia-post",
     "zoom"
    ],
    "overlap_pct": 0.2,
    "relationship": "different_insurer"
   },
   {
    "brands": [
     "budget-direct",
     "fast-cover"
    ],
    "overlap_pct": 0.2,
    "relationship": "different_insurer"
   },
   {
    "brands": [
     "budget-direct",
     "travel-insurance-direct"
    ],
    "overlap_pct": 0.2,
    "relationship": "different_insurer"
   },
   {
    "brands": [
     "budget-direct",
     "travel-insurance-saver"
    ],
    "overlap_pct": 0.2,
    "relationship": "different_insurer"
   },
   {
    "brands": [
     "budget-direct",
     "zoom"
    ],
    "overlap_pct": 0.2,
    "relationship": "different_insurer"
   },
   {
    "brands": [
     "cover-more",
     "fast-cover"
    ],
    "overlap_pct": 0.2,
    "relationship": "different_insurer"
   },
   {
    "brands": [
     "cover-more",
     "travel-insurance-direct"
    ],
    "overlap_pct": 0.2,
    "relationship": "different_insurer"
   },
   {
    "brands": [
     "cover-more",
     "travel-insurance-saver"
    ],
    "overlap_pct": 0.2,
    "relationship": "different_insurer"
   },
   {
    "brands": [
     "cover-more",
     "zoom"
    ],
    "overlap_pct": 0.2,
    "relationship": "different_insurer"
   },
   {
    "brands": [
     "insureandgo",
     "travel-insurance-saver"
    ],
    "overlap_pct": 0.2,
    "relationship": "different_insurer"
   },
   {
    "brands": [
     "insureandgo",
     "zoom"
    ],
    "overlap_pct": 0.2,
    "relationship": "different_insurer"
   },
   {
    "brands": [
     "medibank",
     "travel-insurance-direct"
    ],
    "overlap_pct": 0.2,
    "relationship": "different_insurer"
   },
   {
    "brands": [
     "medibank",
     "zoom"
    ],
    "overlap_pct": 0.2,
    "relationship": "different_insurer"
   },
   {
    "brands": [
     "tick",
     "travel-insurance-saver"
    ],
    "overlap_pct": 0.2,
    "relationship": "different_insurer"
   },
   {
    "brands": [
     "travel-insurance-direct",
     "webjet"
    ],
    "overlap_pct": 0.2,
    "relationship": "different_insurer"
   },
   {
    "brands": [
     "travel-insurance-saver",
     "webjet"
    ],
    "overlap_pct": 0.2,
    "relationship": "different_insurer"
   },
   {
    "brands": [
     "webjet",
     "zoom"
    ],
    "overlap_pct": 0.2,
    "relationship": "different_insurer"
   },
   {
    "brands": [
     "australia-post",
     "travel-insurance-direct"
    ],
    "overlap_pct": 0.1,
    "relationship": "different_insurer"
   },
   {
    "brands": [
     "fast-cover",
     "medibank"
    ],
    "overlap_pct": 0.1,
    "relationship": "different_insurer"
   },
   {
    "brands": [
     "fast-cover",
     "webjet"
    ],
    "overlap_pct": 0.1,
    "relationship": "different_insurer"
   },
   {
    "brands": [
     "insureandgo",
     "travel-insurance-direct"
    ],
    "overlap_pct": 0.1,
    "relationship": "different_insurer"
   },
   {
    "brands": [
     "medibank",
     "travel-insurance-saver"
    ],
    "overlap_pct": 0.1,
    "relationship": "different_insurer"
   },
   {
    "brands": [
     "racv",
     "travel-insurance-saver"
    ],
    "overlap_pct": 0.1,
    "relationship": "different_insurer"
   },
   {
    "brands": [
     "tick",
     "travel-insurance-direct"
    ],
    "overlap_pct": 0.1,
    "relationship": "different_insurer"
   },
   {
    "brands": [
     "tick",
     "zoom"
    ],
    "overlap_pct": 0.1,
    "relationship": "different_insurer"
   }
  ]
 },
 "by_distributor": [
  {
   "distributor": "Cover-More Insurance Services Pty Ltd",
   "brands": [
    "cover-more",
    "webjet"
   ],
   "brand_count": 2
  },
  {
   "distributor": "Europ Assistance Australia Pty Ltd",
   "brands": [
    "insureandgo",
    "tick"
   ],
   "brand_count": 2
  },
  {
   "distributor": "Travel Insurance Partners Pty Limited",
   "brands": [
    "budget-direct",
    "medibank"
   ],
   "brand_count": 2
  },
  {
   "distributor": "Australia Post Services Pty Ltd",
   "brands": [
    "australia-post"
   ],
   "brand_count": 1
  },
  {
   "distributor": "Chase Underwriting Solutions Pty Ltd",
   "brands": [
    "travel-insurance-saver"
   ],
   "brand_count": 1
  },
  {
   "distributor": "Coffre-Fort Pty Ltd",
   "brands": [
    "zoom"
   ],
   "brand_count": 1
  }
 ],
 "register_check_outcomes": {
  "apra_authorised": 10,
  "lloyds": 2
 },
 "not_collected": [
  {
   "slug": "1cover",
   "name": "1Cover",
   "site": "https://www.1cover.com.au/",
   "status": "needs-browser",
   "reviewed_on": "2026-10-06",
   "reason": "The policy documents page (https://www.1cover.com.au/policydetails/) returns 200 but lists no document links in its HTML; the PDS is loaded by a script after the page renders. Reading it would need a headless browser, which this dataset's pipeline does not use.",
   "revisit": "Find the API the page calls, the way Travel Insurance Direct's PDS turned out to be a plain endpoint, and pin that URL instead."
  },
  {
   "slug": "world2cover",
   "name": "World2Cover",
   "site": "https://www.world2cover.com.au/",
   "status": "needs-browser",
   "reviewed_on": "2026-10-06",
   "reason": "As 1Cover: https://www.world2cover.com.au/policydocumentation answers 200 with no document links in the HTML.",
   "revisit": "As 1Cover."
  },
  {
   "slug": "allianz",
   "name": "Allianz Travel Insurance",
   "site": "https://www.allianz.com.au/travel-insurance/",
   "status": "blocked",
   "reviewed_on": "2026-10-06",
   "reason": "www.allianz.com.au returns 403 at its CDN to our user agent, including on robots.txt. Allianz Australia Insurance Limited is a significant travel underwriter, so its absence from the brand list understates the concentration this dataset measures, and that is said where the figures are published.",
   "revisit": "Ask Allianz whether DeepAlmanacBot may read its published disclosure documents."
  },
  {
   "slug": "nrma",
   "name": "NRMA Travel Insurance",
   "site": "https://www.nrma.com.au/travel-insurance",
   "status": "blocked",
   "reviewed_on": "2026-10-06",
   "reason": "Returned 403 Forbidden to our user agent.",
   "revisit": "As Allianz."
  },
  {
   "slug": "qantas",
   "name": "Qantas Travel Insurance",
   "site": "https://www.qantas.com/au/en/travel-insurance.html",
   "status": "unresolved",
   "reviewed_on": "2026-10-06",
   "reason": "The page did not respond within the timeout on the day checked. Not a refusal; just not yet resolved to a document.",
   "revisit": "Retry and find the PDS link."
  },
  {
   "slug": "southern-cross",
   "name": "Southern Cross Travel Insurance",
   "site": "https://www.scti.com.au/",
   "status": "unresolved",
   "reviewed_on": "2026-10-06",
   "reason": "A PDS link was found but its href resolved to a malformed URL mixing the site path with an Azure CDN hostname, so no document URL could be pinned with confidence.",
   "revisit": "Read the link off the policies page by hand and pin the resolved URL."
  }
 ],
 "how_the_facts_were_read": {
  "method": "Each brand's PDS and TMD were fetched and read. A fact is kept only with the sentence it came from; a fact with no quote is not published. Rules are named in each evidence record and resolvable in rules.json.",
  "two_documents": "Each brand is read twice. The PDS is the authority for what the policy covers and, usually, for who the insurer is. The TMD is the authority for the effective date, the review period and the target market, and gives a second independent statement of the insurer, so where both name one they can be checked against each other. A disagreement between the two documents is itself a finding and is published as one rather than resolved by preferring a document.",
  "not_read_and_why": {
   "per_benefit_limits": "A PDS states its limits in a benefits table with one column per plan. Converted to text those columns interleave — 'Overseas Medical Expenses Yes $Unlimited $Unlimited $Unlimited' — so a limit cannot be tied to the plan it belongs to without reconstructing the table's geometry. Worse, the same documents contain worked examples full of plausible dollar figures ('if You chose a $250 excess', 'limit payable for cameras - $6,000') that a looser rule would publish as policy limits. Only limits stated in a prose sentence are read; the tables are left alone.",
   "excess": "The excess is chosen by the buyer at purchase from a range of options, so there is no single excess for a policy and a document stating '$250' is usually giving an example."
  },
  "copyright": "These documents are the insurers' copyright. The extracted text is cached under data/au-travel-insurance/pds-cache/ and gitignored; only the short sentence each published fact was read from is committed, which is what makes the fact checkable.",
  "rules": "https://deepalmanac.com/au/insurance/travel/v1/rules.json"
 },
 "brands": [
  {
   "brand_slug": "australia-post",
   "brand": "Australia Post Travel Insurance",
   "site": "https://auspost.com.au/travel-insurance",
   "product": "Comprehensive (policies issued online or by phone from 22 October 2025)",
   "insurer": "Zurich Australian Insurance Limited",
   "insurer_group": "Zurich Australian Insurance Limited",
   "insurer_abn": "13000296640",
   "insurer_afs_licence_number": "232507",
   "insurer_footing": "company",
   "insurer_quote": "The insurer of this product is Zurich Australian Insurance Limited (ZAIL), ABN 13 000 296 640, AFS Licence Number 232507",
   "insurer_evidence": {
    "url": "https://policy.travelinsurancepartners.com.au/partners/aupost/files/documents/pds/PDS_APC.pdf",
    "http_status": 200,
    "document": "pds",
    "content_sha256": "5ad13e81f4f61b7de0d6fa430040b3941db9297cbed993fad75ed7e9b002a795",
    "first_seen_at": "2026-10-05T14:51:02Z",
    "rule": "issuer.declared",
    "stale": false
   },
   "insurer_citation": {
    "quote": "The insurer of this product is Zurich Australian Insurance Limited (ZAIL), ABN 13 000 296 640, AFS Licence Number 232507",
    "url": "https://policy.travelinsurancepartners.com.au/partners/aupost/files/documents/pds/PDS_APC.pdf#page=1",
    "page": 1,
    "document_sha256": "0fb9e807cab9e7a45da383f4f695d80cd0a0a8024b7bc2e8abe0815ac5a892e6",
    "confirmed": "2026-11-05"
   },
   "register_check": {
    "outcome": "apra_authorised",
    "insurer": "Zurich Australian Insurance Limited",
    "apra_name": "Zurich Australian Insurance Limited",
    "apra_status": "authorised",
    "method": "afs_licence_number",
    "afs_licence_number": "232507",
    "abn": "13000296640",
    "asic_licensee": "ZURICH AUSTRALIAN INSURANCE LIMITED",
    "asic_abn": "13000296640"
   },
   "distributor": {
    "name": "Australia Post Services Pty Ltd",
    "afs_licence_number": "457551",
    "basis": "authorised_representative",
    "quote": "authorised representative of Australia Post Services Pty Ltd ABN 67 002 599 340, AFSL 457551 (Australia Post) under an arrangement with Travel Insurance Partners who acts under a binder authority with the insurer",
    "citation": {
     "quote": "authorised representative of Australia Post Services Pty Ltd ABN 67 002 599 340, AFSL 457551 (Australia Post) under an arrangement with Travel Insurance Partners who acts under a binder authority with the insurer",
     "url": "https://policy.travelinsurancepartners.com.au/partners/aupost/files/documents/pds/PDS_APC.pdf#page=18",
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     "words": 26558,
     "status": "ok",
     "content_sha256": "e2ea3848086c474f0c6ab267410a34523ed57644310da50ea8f5e59b81b067d5"
    },
    "tmd": {
     "url": "https://insureandgo.com.au/sites/default/files/2026-07/2026_07_IGO_ST_TMD.pdf",
     "label": "Insure&Go Single-Trip Target Market Determination, July 2026",
     "words": 2848,
     "status": "ok",
     "content_sha256": "1ccd834396d5bb6d34d128b7b78c4f91a62955792b360a33823016352a064cd0"
    }
   },
   "issuer_agreement": {
    "outcome": "disagree",
    "pds": {
     "name": "Mitsui Sumitomo Insurance Company Limited",
     "abn": "49000525637",
     "afsl": "240816"
    },
    "tmd": {
     "name": "Europ Assistance Australia Pty Ltd",
     "abn": "71140219594",
     "afsl": "552106"
    },
    "note": "the two documents name different insurers; published as a finding rather than resolved by preferring one document",
    "citations": [
     {
      "quote": "The insurer of this insurance is: Mitsui Sumitomo Insurance Company Limited (“MSI”) ABN 49 000 525 637 AFSL Number 240816 Level 26, 135 King St, Sydney, NSW 2000, Australia Please refer to the FSG section of this document for information on the services provided and the remuneration received, or to be received, by Europ Assistance as the distributor and",
      "url": "https://www.insureandgo.com.au/sites/default/files/2026-01/IGO_ST_PDS_20260120.pdf#page=18",
      "page": 18,
      "document_sha256": "97f12a9979c9a038c2072ac40547baf0a33f14b8ce4f650730a3a2a2200f798b",
      "confirmed": "2026-11-05"
     },
     {
      "quote": "Insure&Go Single Trip Travel Insurance is issued by Europ Assistance Australia Pty Ltd ABN 71 140 219 594, AFSL 552106 (referred to in this document as ‘we’, ‘us’ and ‘our’)",
      "url": "https://insureandgo.com.au/sites/default/files/2026-07/2026_07_IGO_ST_TMD.pdf#page=2",
      "page": 2,
      "document_sha256": "ee4d58deb7dcd4337ad46fbd44d078fb648ddd16a35222232d94ef3b2748f7f0",
      "confirmed": "2026-11-05"
     }
    ]
   }
  },
  {
   "brand_slug": "medibank",
   "brand": "Medibank Travel Insurance",
   "site": "https://www.medibank.com.au/travel-insurance/",
   "product": "Comprehensive",
   "insurer": "Zurich Australian Insurance Limited",
   "insurer_group": "Zurich Australian Insurance Limited",
   "insurer_abn": "13000296640",
   "insurer_afs_licence_number": "232507",
   "insurer_footing": "company",
   "insurer_quote": "The Insurer of this product is Zurich Australian Insurance Limited (ZAIL), ABN 13 000 296 640, AFS Licence Number 232507",
   "insurer_evidence": {
    "url": "https://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/pds/PDS_MBC.pdf",
    "http_status": 200,
    "document": "pds",
    "content_sha256": "cbf470c1ef405fe6b966d50447369b57b0a55a29a82bbef8c83f4523ac6ab555",
    "first_seen_at": "2026-10-05T14:51:00Z",
    "rule": "issuer.declared",
    "stale": false
   },
   "insurer_citation": {
    "quote": "The Insurer of this product is Zurich Australian Insurance Limited (ZAIL), ABN 13 000 296 640, AFS Licence Number 232507",
    "url": "https://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/pds/PDS_MBC.pdf#page=1",
    "page": 1,
    "document_sha256": "a26e8e9670e6acce7317eb62c5623df27ba9a94374c8145341dffbe97bfa819b",
    "confirmed": "2026-11-05"
   },
   "register_check": {
    "outcome": "apra_authorised",
    "insurer": "Zurich Australian Insurance Limited",
    "apra_name": "Zurich Australian Insurance Limited",
    "apra_status": "authorised",
    "method": "afs_licence_number",
    "afs_licence_number": "232507",
    "abn": "13000296640",
    "asic_licensee": "ZURICH AUSTRALIAN INSURANCE LIMITED",
    "asic_abn": "13000296640"
   },
   "distributor": {
    "name": "Travel Insurance Partners Pty Limited",
    "afs_licence_number": "360138",
    "basis": "authorised_representative",
    "quote": "\u0007Travel Insurance Partners’ authorised representative Medibank Private Limited (Medibank) ABN 47 080 890 259 AR 286089",
    "citation": {
     "quote": "\u0007Travel Insurance Partners’ authorised representative Medibank Private Limited (Medibank) ABN 47 080 890 259 AR 286089",
     "url": "https://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/pds/PDS_MBC.pdf#page=47",
     "page": 47,
     "document_sha256": "a26e8e9670e6acce7317eb62c5623df27ba9a94374c8145341dffbe97bfa819b",
     "confirmed": "2026-11-05"
    },
    "same_entity_as_issuer": false,
    "caution": null
   },
   "cooling_off_days": 21,
   "checks": {
    "issuer": {
     "outcome": "stated",
     "document": "pds"
    },
    "distributor": {
     "outcome": "stated",
     "document": "pds"
    },
    "cooling_off": {
     "outcome": "stated",
     "document": "pds"
    },
    "age_limit": {
     "outcome": "not_stated",
     "reason": "the pds was read in full and states no age limit",
     "document": "pds"
    },
    "overseas_medical": {
     "outcome": "stated",
     "document": "pds"
    },
    "pds_effective_date": {
     "outcome": "stated",
     "document": "pds"
    },
    "tmd_effective_date": {
     "outcome": "stated",
     "document": "tmd"
    },
    "review_period": {
     "outcome": "stated",
     "document": "tmd"
    },
    "target_market": {
     "outcome": "stated",
     "document": "tmd"
    }
   },
   "documents": {
    "pds": {
     "url": "https://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/pds/PDS_MBC.pdf",
     "label": "Medibank Travel Insurance PDS",
     "words": 27534,
     "status": "ok",
     "content_sha256": "cbf470c1ef405fe6b966d50447369b57b0a55a29a82bbef8c83f4523ac6ab555"
    },
    "tmd": {
     "url": "https://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/TMD/TMD_MBC_MBM.pdf",
     "label": "Medibank Travel Insurance Target Market Determination",
     "words": 2974,
     "status": "ok",
     "content_sha256": "ac6b33640653824b3c988d6f5365fb0801203148f4616d8974f863316c90b17f"
    }
   },
   "issuer_agreement": {
    "outcome": "one_document_only",
    "document": "pds",
    "note": "only one of the two documents declares an insurer, so there is nothing to compare",
    "citations": [
     {
      "quote": "The Insurer of this product is Zurich Australian Insurance Limited (ZAIL), ABN 13 000 296 640, AFS Licence Number 232507",
      "url": "https://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/pds/PDS_MBC.pdf#page=1",
      "page": 1,
      "document_sha256": "a26e8e9670e6acce7317eb62c5623df27ba9a94374c8145341dffbe97bfa819b",
      "confirmed": "2026-11-05"
     }
    ]
   }
  },
  {
   "brand_slug": "racv",
   "brand": "RACV Travel Insurance",
   "site": "https://www.racv.com.au/insurance/travel-insurance.html",
   "product": "Travel Insurance (combined FSG and PDS)",
   "insurer": "Tokio Marine & Nichido Fire Insurance Co., Ltd",
   "insurer_group": "Tokio Marine & Nichido Fire Insurance Co., Ltd",
   "insurer_abn": "80000438291",
   "insurer_afs_licence_number": "246548",
   "insurer_footing": "company",
   "insurer_quote": "This insurance is issued by Us, Tokio Marine & Nichido Fire Insurance Co., Ltd. (Tokio Marine & Nichido) ABN 80 000 438 291, AFSL 246548",
   "insurer_evidence": {
    "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf",
    "http_status": 200,
    "document": "pds",
    "content_sha256": "cc68bbb04899f5347b2711286707055e2881a64ea937cb0c74077a836bf52b85",
    "first_seen_at": "2026-10-05T14:51:14Z",
    "rule": "issuer.declared",
    "stale": false
   },
   "insurer_citation": {
    "quote": "This insurance is issued by Us, Tokio Marine & Nichido Fire Insurance Co., Ltd. (Tokio Marine & Nichido) ABN 80 000 438 291, AFSL 246548",
    "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=3",
    "page": 3,
    "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411",
    "confirmed": "2026-11-05"
   },
   "register_check": {
    "outcome": "apra_authorised",
    "insurer": "Tokio Marine & Nichido Fire Insurance Co., Ltd",
    "apra_name": "Tokio Marine & Nichido Fire Insurance Co., Ltd.",
    "apra_status": "authorised",
    "method": "afs_licence_number",
    "afs_licence_number": "246548",
    "abn": "80000438291",
    "asic_licensee": "TOKIO MARINE & NICHIDO FIRE INSURANCE CO., LTD.",
    "asic_abn": "80000438291"
   },
   "distributor": {
    "name": "Tokio Marine & Nichido Fire Insurance Co., Ltd",
    "afs_licence_number": "246548",
    "basis": "authorised_representative",
    "quote": "Our managing agent and corporate authorised representative Tokio Marine Management (Australasia) Pty Ltd ABN 69 001 488 455, AR 1313066 (TMMA) is authorised to act on Our behalf to provide Our policies and handle and settle claims in relation to those policies",
    "citation": {
     "quote": "Our managing agent and corporate authorised representative Tokio Marine Management (Australasia) Pty Ltd ABN 69 001 488 455, AR 1313066 (TMMA) is authorised to act on Our behalf to provide Our policies and handle and settle claims in relation to those policies",
     "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=3",
     "page": 3,
     "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411",
     "confirmed": "2026-11-05"
    },
    "same_entity_as_issuer": true,
    "caution": "this names the same company as the insurer, so it is more likely a mis-read of the document than a distributor"
   },
   "cooling_off_days": 21,
   "checks": {
    "issuer": {
     "outcome": "stated",
     "document": "pds"
    },
    "distributor": {
     "outcome": "stated",
     "document": "pds"
    },
    "cooling_off": {
     "outcome": "stated",
     "document": "pds"
    },
    "age_limit": {
     "outcome": "not_stated",
     "reason": "the pds was read in full and states no age limit",
     "document": "pds"
    },
    "overseas_medical": {
     "outcome": "stated",
     "document": "pds"
    },
    "pds_effective_date": {
     "outcome": "not_stated",
     "reason": "the pds was read in full and states no pds effective date",
     "document": "pds"
    },
    "tmd_effective_date": {
     "outcome": "not_checked",
     "reason": "no tmd could be read for this brand"
    },
    "review_period": {
     "outcome": "not_checked",
     "reason": "no tmd could be read for this brand"
    },
    "target_market": {
     "outcome": "not_checked",
     "reason": "no tmd could be read for this brand"
    }
   },
   "documents": {
    "pds": {
     "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf",
     "label": "RACV Travel Insurance Combined Financial Services Guide and PDS (current)",
     "words": 26402,
     "status": "ok",
     "content_sha256": "cc68bbb04899f5347b2711286707055e2881a64ea937cb0c74077a836bf52b85"
    },
    "tmd": {
     "url": null,
     "label": null,
     "words": null,
     "status": "no document URL in the registry",
     "content_sha256": null
    }
   },
   "issuer_agreement": {
    "outcome": "one_document_only",
    "document": "pds",
    "note": "only one of the two documents declares an insurer, so there is nothing to compare",
    "citations": [
     {
      "quote": "This insurance is issued by Us, Tokio Marine & Nichido Fire Insurance Co., Ltd. (Tokio Marine & Nichido) ABN 80 000 438 291, AFSL 246548",
      "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=3",
      "page": 3,
      "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411",
      "confirmed": "2026-11-05"
     }
    ]
   }
  },
  {
   "brand_slug": "tick",
   "brand": "Tick Travel Insurance",
   "site": "https://www.tickinsurance.com.au/",
   "product": "Overseas travel policy wording",
   "insurer": "Mitsui Sumitomo Insurance Company Limited",
   "insurer_group": "Mitsui Sumitomo Insurance Company Limited",
   "insurer_abn": "49000525637",
   "insurer_afs_licence_number": "240816",
   "insurer_footing": "company",
   "insurer_quote": "The insurer of this insurance is: Mitsui Sumitomo Insurance Company Limited (“MSI”) ABN 49 000 525 637, AFSL 240816 Level 26, 135 King St, Sydney, NSW 2000, Throughout this PDS the issuer/insurer is referred to as we, us, our",
   "insurer_evidence": {
    "url": "https://www.tickinsurance.com.au/sites/default/files/2024-07/TK_MS_PW_OT_0724_V0.pdf",
    "http_status": 200,
    "document": "pds",
    "content_sha256": "06f05e699f9c1368fa71e20b69ccd318e6d475d098f0bb6f5982702cb954f377",
    "first_seen_at": "2026-10-05T14:51:15Z",
    "rule": "issuer.declared",
    "stale": false
   },
   "insurer_citation": {
    "quote": "The insurer of this insurance is: Mitsui Sumitomo Insurance Company Limited (“MSI”) ABN 49 000 525 637, AFSL 240816 Level 26, 135 King St, Sydney, NSW 2000, Throughout this PDS the issuer/insurer is referred to as we, us, our",
    "url": "https://www.tickinsurance.com.au/sites/default/files/2024-07/TK_MS_PW_OT_0724_V0.pdf#page=3",
    "page": 3,
    "document_sha256": "944e08fa08131fc96f16b25ef16c7c85eb9bf486588376981b88284f6308a1ef",
    "confirmed": "2026-11-05"
   },
   "register_check": {
    "outcome": "apra_authorised",
    "insurer": "Mitsui Sumitomo Insurance Company Limited",
    "apra_name": "Mitsui Sumitomo Insurance Company Limited",
    "apra_status": "authorised",
    "method": "afs_licence_number",
    "afs_licence_number": "240816",
    "abn": "49000525637",
    "asic_licensee": "MITSUI SUMITOMO INSURANCE COMPANY, LIMITED",
    "asic_abn": "49000525637"
   },
   "distributor": {
    "name": "Europ Assistance Australia Pty Ltd",
    "afs_licence_number": "552106",
    "basis": "binding_authority",
    "quote": "Europ Assistance holds a binding authority from the insurer, MSI to issue contracts of insurance and to deal with or settle claims on MSI’s behalf and as MSI’s agent",
    "citation": {
     "quote": "Europ Assistance holds a binding authority from the insurer, MSI to issue contracts of insurance and to deal with or settle claims on MSI’s behalf and as MSI’s agent",
     "url": "https://www.tickinsurance.com.au/sites/default/files/2024-07/TK_MS_PW_OT_0724_V0.pdf#page=3",
     "page": 3,
     "document_sha256": "944e08fa08131fc96f16b25ef16c7c85eb9bf486588376981b88284f6308a1ef",
     "confirmed": "2026-11-05"
    },
    "same_entity_as_issuer": false,
    "caution": null
   },
   "cooling_off_days": 14,
   "checks": {
    "issuer": {
     "outcome": "stated",
     "document": "pds"
    },
    "distributor": {
     "outcome": "stated",
     "document": "pds"
    },
    "cooling_off": {
     "outcome": "stated",
     "document": "pds"
    },
    "age_limit": {
     "outcome": "not_stated",
     "reason": "the pds was read in full and states no age limit",
     "document": "pds"
    },
    "overseas_medical": {
     "outcome": "not_stated",
     "reason": "the pds was read in full and states no overseas medical",
     "document": "pds"
    },
    "pds_effective_date": {
     "outcome": "not_stated",
     "reason": "the pds was read in full and states no pds effective date",
     "document": "pds"
    },
    "tmd_effective_date": {
     "outcome": "stated",
     "document": "tmd"
    },
    "review_period": {
     "outcome": "not_stated",
     "reason": "the tmd was read in full and states no review period",
     "document": "tmd"
    },
    "target_market": {
     "outcome": "not_stated",
     "reason": "the tmd was read in full and states no target market",
     "document": "tmd"
    }
   },
   "documents": {
    "pds": {
     "url": "https://www.tickinsurance.com.au/sites/default/files/2024-07/TK_MS_PW_OT_0724_V0.pdf",
     "label": "Tick Overseas Travel policy wording, July 2024",
     "words": 26002,
     "status": "ok",
     "content_sha256": "06f05e699f9c1368fa71e20b69ccd318e6d475d098f0bb6f5982702cb954f377"
    },
    "tmd": {
     "url": "https://www.tickinsurance.com.au/sites/default/files/2026-03/TK_ST_TMD_20260401.pdf",
     "label": "Tick Single Trip Target Market Determination, 1 April 2026",
     "words": 2069,
     "status": "ok",
     "content_sha256": "303446151edfdc3492789703467eed814c38e9f8cd96244fd6710e5ae4e6c09c"
    }
   },
   "issuer_agreement": {
    "outcome": "disagree",
    "pds": {
     "name": "Mitsui Sumitomo Insurance Company Limited",
     "abn": "49000525637",
     "afsl": "240816"
    },
    "tmd": {
     "name": "Europ Assistance Australia Pty Ltd",
     "abn": "71140219594",
     "afsl": "552106"
    },
    "note": "the two documents name different insurers; published as a finding rather than resolved by preferring one document",
    "citations": [
     {
      "quote": "The insurer of this insurance is: Mitsui Sumitomo Insurance Company Limited (“MSI”) ABN 49 000 525 637, AFSL 240816 Level 26, 135 King St, Sydney, NSW 2000, Throughout this PDS the issuer/insurer is referred to as we, us, our",
      "url": "https://www.tickinsurance.com.au/sites/default/files/2024-07/TK_MS_PW_OT_0724_V0.pdf#page=3",
      "page": 3,
      "document_sha256": "944e08fa08131fc96f16b25ef16c7c85eb9bf486588376981b88284f6308a1ef",
      "confirmed": "2026-11-05"
     },
     {
      "quote": "Tick Single Trip Travel Insurance is issued by Europ Assistance Australia Pty Ltd ABN 71 140 219 594, AFSL 552106 (referred to in this document as ‘we’, ‘us, and ‘our’)",
      "url": "https://www.tickinsurance.com.au/sites/default/files/2026-03/TK_ST_TMD_20260401.pdf#page=2",
      "page": 2,
      "document_sha256": "2e2b13cb4c973b52dd8f9bb8b71f42b75492e4cb9c10a6c720e320b04bf68368",
      "confirmed": "2026-11-05"
     }
    ]
   }
  },
  {
   "brand_slug": "travel-insurance-direct",
   "brand": "Travel Insurance Direct (TID)",
   "site": "https://www.tid.com.au/",
   "product": "Comprehensive",
   "insurer": "Allianz Australia Insurance Limited",
   "insurer_group": "Allianz Australia Insurance Limited",
   "insurer_abn": "15000122850",
   "insurer_afs_licence_number": "234708",
   "insurer_footing": "company",
   "insurer_quote": "This insurance is underwritten by Allianz Australia Insurance Limited ABN 15 000 122 850 AFS Licence 234708 Level 16, 10 Carrington St Sydney, NSW 2000 Prepared on 22 July 2026 TIDTI / IMP3847",
   "insurer_evidence": {
    "url": "https://cft-onex-api.agaassistance.com.au/api/document/pds/tid/",
    "http_status": 200,
    "document": "pds",
    "content_sha256": "82d195380e76961f03602d38fb5eb29f13294c057f08cb27c0144420aca94ff9",
    "first_seen_at": "2026-10-05T14:51:09Z",
    "rule": "issuer.declared",
    "stale": false
   },
   "insurer_citation": {
    "quote": "This insurance is underwritten by Allianz Australia Insurance Limited ABN 15 000 122 850 AFS Licence 234708 Level 16, 10 Carrington St Sydney, NSW 2000 Prepared on 22 July 2026 TIDTI / IMP3847",
    "url": "https://cft-onex-api.agaassistance.com.au/api/document/pds/tid/#page=2",
    "page": 2,
    "document_sha256": "6fd4391552f0b96dc550a7dba50c21f598268a7fc5728059478124490a4a4d9b",
    "confirmed": "2026-11-05"
   },
   "register_check": {
    "outcome": "apra_authorised",
    "insurer": "Allianz Australia Insurance Limited",
    "apra_name": "Allianz Australia Insurance Limited",
    "apra_status": "authorised",
    "method": "afs_licence_number",
    "afs_licence_number": "234708",
    "abn": "15000122850",
    "asic_licensee": "ALLIANZ AUSTRALIA INSURANCE LIMITED",
    "asic_abn": "15000122850"
   },
   "distributor": null,
   "cooling_off_days": null,
   "checks": {
    "issuer": {
     "outcome": "stated",
     "document": "pds"
    },
    "distributor": {
     "outcome": "not_stated",
     "reason": "the pds was read in full and states no distributor",
     "document": "pds"
    },
    "cooling_off": {
     "outcome": "not_stated",
     "reason": "the pds was read in full and states no cooling off",
     "document": "pds"
    },
    "age_limit": {
     "outcome": "not_stated",
     "reason": "the pds was read in full and states no age limit",
     "document": "pds"
    },
    "overseas_medical": {
     "outcome": "not_stated",
     "reason": "the pds was read in full and states no overseas medical",
     "document": "pds"
    },
    "pds_effective_date": {
     "outcome": "stated",
     "document": "pds"
    },
    "tmd_effective_date": {
     "outcome": "not_checked",
     "reason": "no tmd could be read for this brand"
    },
    "review_period": {
     "outcome": "not_checked",
     "reason": "no tmd could be read for this brand"
    },
    "target_market": {
     "outcome": "not_checked",
     "reason": "no tmd could be read for this brand"
    }
   },
   "documents": {
    "pds": {
     "url": "https://cft-onex-api.agaassistance.com.au/api/document/pds/tid/",
     "label": "Travel Insurance Direct PDS",
     "words": 31923,
     "status": "ok",
     "content_sha256": "82d195380e76961f03602d38fb5eb29f13294c057f08cb27c0144420aca94ff9"
    },
    "tmd": {
     "url": null,
     "label": null,
     "words": null,
     "status": "no document URL in the registry",
     "content_sha256": null
    }
   },
   "issuer_agreement": {
    "outcome": "one_document_only",
    "document": "pds",
    "note": "only one of the two documents declares an insurer, so there is nothing to compare",
    "citations": [
     {
      "quote": "This insurance is underwritten by Allianz Australia Insurance Limited ABN 15 000 122 850 AFS Licence 234708 Level 16, 10 Carrington St Sydney, NSW 2000 Prepared on 22 July 2026 TIDTI / IMP3847",
      "url": "https://cft-onex-api.agaassistance.com.au/api/document/pds/tid/#page=2",
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      "confirmed": "2026-11-05"
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    ]
   }
  },
  {
   "brand_slug": "travel-insurance-saver",
   "brand": "Travel Insurance Saver",
   "site": "https://www.travelinsurancesaver.com.au/",
   "product": "Travel Insurance Saver PDS v1.3",
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   "insurer_footing": "lloyds",
   "insurer_quote": "Chase has under binding authority authorised by certain underwriters at Lloyd’s of London (Insurer) to act on its behalf in arranging, issuing, varying, cancelling and providing general advice in relation to the Insurer’s travel insurance products",
   "insurer_evidence": {
    "url": "https://travelinsurancesaver.com.au/Assets/Files/Travel-Insurance-Saver-PDS-v1.3.pdf",
    "http_status": 200,
    "document": "pds",
    "content_sha256": "3f664458f78e1c5e612f721a6ae857d97ce3e54970e290f9da2c6c112dc04fe3",
    "first_seen_at": "2026-10-05T14:51:19Z",
    "rule": "issuer.lloyds",
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   },
   "insurer_citation": {
    "quote": "Chase has under binding authority authorised by certain underwriters at Lloyd’s of London (Insurer) to act on its behalf in arranging, issuing, varying, cancelling and providing general advice in relation to the Insurer’s travel insurance products",
    "url": "https://travelinsurancesaver.com.au/Assets/Files/Travel-Insurance-Saver-PDS-v1.3.pdf#page=3",
    "page": 3,
    "document_sha256": "2f28ff835265079008eb030d57944d11b2af6a5f1b0290025eb9269730ed4c04",
    "confirmed": "2026-11-05"
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   "register_check": {
    "outcome": "lloyds",
    "insurer": "Lloyd's of London",
    "method": "footing",
    "note": "Lloyd's underwriters carry Australian risk under Lloyd's own authorisation rather than as a company on APRA's register of general insurers, so not appearing on that register is expected and says nothing about the cover."
   },
   "distributor": {
    "name": "Chase Underwriting Solutions Pty Ltd",
    "afs_licence_number": "454344",
    "basis": "authorised_representative",
    "quote": "authorised representative of Chase Underwriting Solutions Pty Ltd (ABN 50 156 554 808, AFS License No 454344) (Chase)",
    "citation": {
     "quote": "authorised representative of Chase Underwriting Solutions Pty Ltd (ABN 50 156 554 808, AFS License No 454344) (Chase)",
     "url": "https://travelinsurancesaver.com.au/Assets/Files/Travel-Insurance-Saver-PDS-v1.3.pdf#page=3",
     "page": 3,
     "document_sha256": "2f28ff835265079008eb030d57944d11b2af6a5f1b0290025eb9269730ed4c04",
     "confirmed": "2026-11-05"
    },
    "same_entity_as_issuer": false,
    "caution": null
   },
   "cooling_off_days": 14,
   "checks": {
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    },
    "distributor": {
     "outcome": "stated",
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    },
    "cooling_off": {
     "outcome": "stated",
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    },
    "age_limit": {
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     "document": "pds"
    },
    "overseas_medical": {
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     "document": "pds"
    },
    "pds_effective_date": {
     "outcome": "stated",
     "document": "pds"
    },
    "tmd_effective_date": {
     "outcome": "stated",
     "document": "tmd"
    },
    "review_period": {
     "outcome": "stated",
     "document": "tmd"
    },
    "target_market": {
     "outcome": "not_stated",
     "reason": "the tmd was read in full and states no target market",
     "document": "tmd"
    }
   },
   "documents": {
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     "url": "https://travelinsurancesaver.com.au/Assets/Files/Travel-Insurance-Saver-PDS-v1.3.pdf",
     "label": "Travel Insurance Saver PDS v1.3",
     "words": 18932,
     "status": "ok",
     "content_sha256": "3f664458f78e1c5e612f721a6ae857d97ce3e54970e290f9da2c6c112dc04fe3"
    },
    "tmd": {
     "url": "https://travelinsurancesaver.com.au/Assets/Files/TIS-Target-Market-Determination-v1.3.pdf",
     "label": "Travel Insurance Saver Target Market Determination v1.3",
     "words": 1854,
     "status": "ok",
     "content_sha256": "debdd5a5506cf884b5eb528da5794ddafe06c57459a774d7df60db0d7fdd2e15"
    }
   },
   "issuer_agreement": {
    "outcome": "disagree",
    "pds": {
     "name": "Lloyd's of London",
     "abn": null,
     "afsl": null
    },
    "tmd": {
     "name": "Chase Underwriting Solutions Pty Ltd",
     "abn": null,
     "afsl": "454344"
    },
    "note": "the two documents name different insurers; published as a finding rather than resolved by preferring one document",
    "citations": [
     {
      "quote": "Chase has under binding authority authorised by certain underwriters at Lloyd’s of London (Insurer) to act on its behalf in arranging, issuing, varying, cancelling and providing general advice in relation to the Insurer’s travel insurance products",
      "url": "https://travelinsurancesaver.com.au/Assets/Files/Travel-Insurance-Saver-PDS-v1.3.pdf#page=3",
      "page": 3,
      "document_sha256": "2f28ff835265079008eb030d57944d11b2af6a5f1b0290025eb9269730ed4c04",
      "confirmed": "2026-11-05"
     },
     {
      "quote": "This product is issued by Chase Underwriting Solutions Pty Ltd AFSL 454344 on behalf of Certain Underwriters at Lloyd’s of London and designed to be distributed via:   Chase Underwriting Solutions Pty Ltd, AFSL 45344 website by visiting www.travelinsurancesaver.com.au Insurance Saver Pty Ltd, ABN 18 624 919 366, AR 1263726",
      "url": "https://travelinsurancesaver.com.au/Assets/Files/TIS-Target-Market-Determination-v1.3.pdf#page=2",
      "page": 2,
      "document_sha256": "4388ab486efa36825e0259586e5d6908127fa1d4decc966f26450dfc4447e68c",
      "confirmed": "2026-11-05"
     }
    ]
   }
  },
  {
   "brand_slug": "webjet",
   "brand": "Webjet Travel Insurance",
   "site": "https://www.webjet.com.au/travel-insurance/",
   "product": "Comprehensive (policies issued on or after 25 March 2026)",
   "insurer": "Zurich Australian Insurance Limited",
   "insurer_group": "Zurich Australian Insurance Limited",
   "insurer_abn": "13000296640",
   "insurer_afs_licence_number": "232507",
   "insurer_footing": "company",
   "insurer_quote": "The insurer of this product is Zurich Australian Insurance Limited (ZAIL), ABN 13 000 296 640, AFSL 232507",
   "insurer_evidence": {
    "url": "https://policy.poweredbycovermore.com/partners/webjet/au/files/documents/pds/PDS_WJP_CM.pdf",
    "http_status": 200,
    "document": "pds",
    "content_sha256": "3023fe0188a254930bd57b5c0f3b3ec0285d781f61369b40036b80ad31eae266",
    "first_seen_at": "2026-10-05T14:51:04Z",
    "rule": "issuer.declared",
    "stale": false
   },
   "insurer_citation": {
    "quote": "The insurer of this product is Zurich Australian Insurance Limited (ZAIL), ABN 13 000 296 640, AFSL 232507",
    "url": "https://policy.poweredbycovermore.com/partners/webjet/au/files/documents/pds/PDS_WJP_CM.pdf#page=18",
    "page": 18,
    "document_sha256": "baa206670bc8e1a900abf037817ceff1ee0f5748f3d1e2f289080ac7cd4bd220",
    "confirmed": "2026-11-05"
   },
   "register_check": {
    "outcome": "apra_authorised",
    "insurer": "Zurich Australian Insurance Limited",
    "apra_name": "Zurich Australian Insurance Limited",
    "apra_status": "authorised",
    "method": "afs_licence_number",
    "afs_licence_number": "232507",
    "abn": "13000296640",
    "asic_licensee": "ZURICH AUSTRALIAN INSURANCE LIMITED",
    "asic_abn": "13000296640"
   },
   "distributor": {
    "name": "Cover-More Insurance Services Pty Ltd",
    "afs_licence_number": "241713",
    "basis": "authorised_representative",
    "quote": "Cover-More’s authorised representative Webjet Marketing Pty Ltd ABN 84 063 430 848 (Webjet), AR 301380 trading as Webjet",
    "citation": {
     "quote": "Cover-More’s authorised representative Webjet Marketing Pty Ltd ABN 84 063 430 848 (Webjet), AR 301380 trading as Webjet",
     "url": "https://policy.poweredbycovermore.com/partners/webjet/au/files/documents/pds/PDS_WJP_CM.pdf#page=48",
     "page": 48,
     "document_sha256": "baa206670bc8e1a900abf037817ceff1ee0f5748f3d1e2f289080ac7cd4bd220",
     "confirmed": "2026-11-05"
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    "same_entity_as_issuer": false,
    "caution": null
   },
   "cooling_off_days": 21,
   "checks": {
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     "outcome": "stated",
     "document": "pds"
    },
    "distributor": {
     "outcome": "stated",
     "document": "pds"
    },
    "cooling_off": {
     "outcome": "stated",
     "document": "pds"
    },
    "age_limit": {
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     "reason": "the pds was read in full and states no age limit",
     "document": "pds"
    },
    "overseas_medical": {
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     "document": "pds"
    },
    "pds_effective_date": {
     "outcome": "stated",
     "document": "pds"
    },
    "tmd_effective_date": {
     "outcome": "stated",
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    },
    "review_period": {
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     "document": "tmd"
    },
    "target_market": {
     "outcome": "stated",
     "document": "tmd"
    }
   },
   "documents": {
    "pds": {
     "url": "https://policy.poweredbycovermore.com/partners/webjet/au/files/documents/pds/PDS_WJP_CM.pdf",
     "label": "Webjet Travel Insurance PDS",
     "words": 28115,
     "status": "ok",
     "content_sha256": "3023fe0188a254930bd57b5c0f3b3ec0285d781f61369b40036b80ad31eae266"
    },
    "tmd": {
     "url": "https://policy.poweredbycovermore.com/partners/webjet/au/files/documents/TMD/TMD_WJP_CM.pdf",
     "label": "Webjet Travel Insurance Target Market Determination",
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   },
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    "note": "only one of the two documents declares an insurer, so there is nothing to compare",
    "citations": [
     {
      "quote": "The insurer of this product is Zurich Australian Insurance Limited (ZAIL), ABN 13 000 296 640, AFSL 232507",
      "url": "https://policy.poweredbycovermore.com/partners/webjet/au/files/documents/pds/PDS_WJP_CM.pdf#page=18",
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    ]
   }
  },
  {
   "brand_slug": "zoom",
   "brand": "Zoom Travel Insurance",
   "site": "https://www.zoomtravelinsurance.com.au/",
   "product": "Standard",
   "insurer": "HDI Global Speciality SE",
   "insurer_group": "HDI Global Speciality SE",
   "insurer_abn": "58129395544",
   "insurer_afs_licence_number": "458776",
   "insurer_footing": "company",
   "insurer_quote": "Your policy is underwritten by HDI Global Speciality SE - Australia (ABN 58 129 395 544, AFSL458776) (the insurer)",
   "insurer_evidence": {
    "url": "https://www.zoomtravelinsurance.com.au/assets/upload/pds/Zoom-AU-Standard-PDS_20231107.pdf",
    "http_status": 200,
    "document": "pds",
    "content_sha256": "e3ea3a4380e8d109af9042dfd739210414d7dd9d23fb6d5d40e7a7cb1d54492b",
    "first_seen_at": "2026-10-05T14:51:17Z",
    "rule": "issuer.labelled",
    "stale": false
   },
   "insurer_citation": {
    "quote": "Your policy is underwritten by HDI Global Speciality SE - Australia (ABN 58 129 395 544, AFSL458776) (the insurer)",
    "url": "https://www.zoomtravelinsurance.com.au/assets/upload/pds/Zoom-AU-Standard-PDS_20231107.pdf#page=86",
    "page": 86,
    "document_sha256": "6faf82964eedfa9d53f020f13f56d6ceb62c155c6260432d1383c401e7e61124",
    "confirmed": "2026-11-05"
   },
   "register_check": {
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    "insurer": "HDI Global Speciality SE",
    "apra_name": "HDI Global Specialty SE",
    "apra_status": "authorised",
    "method": "afs_licence_number+register_name",
    "afs_licence_number": "458776",
    "abn": "58129395544",
    "asic_licensee": "HDI GLOBAL SPECIALTY SE",
    "asic_abn": "58129395544"
   },
   "distributor": {
    "name": "Coffre-Fort Pty Ltd",
    "afs_licence_number": "472457",
    "basis": "authorised_representative",
    "quote": "Zoom Travel Insurance is a registered Business Name of The Insurance Geeks Pty Ltd, ABN 35 612 507 785 (Insurance Geeks), a corporate authorised representative (CAR 1249296) of Coffre-Fort Pty Ltd ABN 66 125 358 518, AFS Licence No",
    "citation": {
     "quote": "Zoom Travel Insurance is a registered Business Name of The Insurance Geeks Pty Ltd, ABN 35 612 507 785 (Insurance Geeks), a corporate authorised representative (CAR 1249296) of Coffre-Fort Pty Ltd ABN 66 125 358 518, AFS Licence No",
     "url": "https://www.zoomtravelinsurance.com.au/assets/upload/pds/Zoom-AU-Standard-PDS_20231107.pdf#page=6",
     "page": 6,
     "document_sha256": "6faf82964eedfa9d53f020f13f56d6ceb62c155c6260432d1383c401e7e61124",
     "confirmed": "2026-11-05"
    },
    "same_entity_as_issuer": false,
    "caution": null
   },
   "cooling_off_days": 14,
   "checks": {
    "issuer": {
     "outcome": "stated",
     "document": "pds"
    },
    "distributor": {
     "outcome": "stated",
     "document": "pds"
    },
    "cooling_off": {
     "outcome": "stated",
     "document": "pds"
    },
    "age_limit": {
     "outcome": "not_stated",
     "reason": "the pds was read in full and states no age limit",
     "document": "pds"
    },
    "overseas_medical": {
     "outcome": "not_stated",
     "reason": "the pds was read in full and states no overseas medical",
     "document": "pds"
    },
    "pds_effective_date": {
     "outcome": "stated",
     "document": "pds"
    },
    "tmd_effective_date": {
     "outcome": "stated",
     "document": "tmd"
    },
    "review_period": {
     "outcome": "stated",
     "document": "tmd"
    },
    "target_market": {
     "outcome": "not_stated",
     "reason": "the tmd was read in full and states no target market",
     "document": "tmd"
    }
   },
   "documents": {
    "pds": {
     "url": "https://www.zoomtravelinsurance.com.au/assets/upload/pds/Zoom-AU-Standard-PDS_20231107.pdf",
     "label": "Zoom Australia Standard PDS, 7 November 2023",
     "words": 25218,
     "status": "ok",
     "content_sha256": "e3ea3a4380e8d109af9042dfd739210414d7dd9d23fb6d5d40e7a7cb1d54492b"
    },
    "tmd": {
     "url": "https://www.zoomtravelinsurance.com.au/assets/Zoom-AU-TMD_20260304.pdf",
     "label": "Zoom Travel Insurance Target Market Determination, 4 March 2026",
     "words": 3635,
     "status": "ok",
     "content_sha256": "c223786ef1d79b80ef9eb44c79d4b8ad7d0e5f75594ee775fdf410cc06967056"
    }
   },
   "issuer_agreement": {
    "outcome": "agree",
    "on": "afsl",
    "insurer": "HDI Global Speciality SE",
    "citations": [
     {
      "quote": "Your policy is underwritten by HDI Global Speciality SE - Australia (ABN 58 129 395 544, AFSL458776) (the insurer)",
      "url": "https://www.zoomtravelinsurance.com.au/assets/upload/pds/Zoom-AU-Standard-PDS_20231107.pdf#page=86",
      "page": 86,
      "document_sha256": "6faf82964eedfa9d53f020f13f56d6ceb62c155c6260432d1383c401e7e61124",
      "confirmed": "2026-11-05"
     },
     {
      "quote": "Specialty SE, a company registered in Germany acting through its Australian branch, HDI Global Specialty SE – Australia, ABN 58 129 395 544, AFSL 458776 (the Insurer)",
      "url": "https://www.zoomtravelinsurance.com.au/assets/Zoom-AU-TMD_20260304.pdf#page=1",
      "page": 1,
      "document_sha256": "a349fe54075912529e9bad75187ddf4af31824925aa79ebbf1479615d6362c8b",
      "confirmed": "2026-11-05"
     }
    ]
   }
  }
 ],
 "licence_note": "Source: APRA register of general insurance, used under CC BY 3.0 AU. Source: ASIC Australian Financial Services Licensee register, used under CC BY 3.0 AU."
}