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Target Market Determinations (TMDs)

Find the TMD for your insurance cover

What is a Target Market Determination?

A Target Market Determination (commonly known as a TMD) describes the class of customers an insurance cover has been designed for, including the key attributes of the insurance cover and the customers eligible for it.

A TMD doesn’t form part of the standard terms and conditions of cover. These are set out in the Product Disclosure Statement (PDS) and Supplementary PDS. Before buying insurance, make sure you read the PDS and any Supplementary PDS.

Choose your product to find the TMD that applies.

Choose your product

Car Insurance

Car Insurance

Policies purchased from 22 February 2026

For customers who purchased a new policy from 22 February 2026 and may have renewed. Your policy number will start with AALMV.

Policies purchased between 9 September 2021 and 22 February 2026

For customers who purchased a new policy between 9 September 2021 and 22 February 2026 and may have renewed. Your policy number will start with BC.

Policies purchased before 9 September 2021

For customers who purchased a new policy before 9 September 2021 and have since renewed. Your policy number will end with DMP, DVC or DVT.

Home, Landlord, and Renter Insurance

Home Insurance

New policies purchased from 20 July 2025

For new policies purchased on or after 20 July 2025.

Policies purchased before 20 July 2025 and renewing from 21 December 2025

For renewing policies where flood cover is standard and Domestic Workers’ Compensation is no longer available with a Home Insurance policy.

For renewing policies where we’ve agreed you may opt out of flood cover at your property and Domestic Workers’ Compensation is no longer available with a Home Insurance policy.

For new and renewing policies effective from 14 January to 19 July 2025 where flood cover is standard at your property.

For renewing policies effective from 14 January to 19 July 2025 where we’ve agreed you may opt out of flood cover at your property.

Policies effective before 14 January 2025

For polices effective 19 May 2024 to 13 January 2025 where flood cover is optional.

New policies purchased from 20 July 2025

For new policies effective on or after 20 July 2025.

Policies purchased before 20 July 2025 and renewing from 21 December 2025

For renewing policies where flood cover is standard and Domestic Workers’ Compensation is no longer available with a Landlord Insurance policy.

For renewing policies where we’ve agreed you may opt out of flood cover at your property and Domestic Workers’ Compensation is no longer available with a Landlord Insurance policy.

For new and renewing policies effective from 14 January to 19 July 2025 where flood cover is standard at your property.

For renewing policies effective from 14 January to 19 July 2025 where we’ve agreed you may opt out of flood cover at your property.

Policies effective before 14 January 2025

For polices effective 16 December 2024 to 13 January 2025 where flood cover is optional.

Policies effective from 20 July 2025

For polices effective on or after 20 July 2025.

Business Insurance

Commercial Vehicle cover and Commercial Motor Insurance

Policies commencing or renewed on or after 25 September 2025

Applies to the Commercial Vehicle / Commercial Motor cover section in the Allianz Business Insurance Pack, Allianz Office Pack, and Allianz Trades and Services Pack policies, as well as standalone Commercial Motor Insurance policies.
 

Policies effective from 15 June 2025 - 24 September 2025

Applies to the Commercial Vehicle / Commercial Motor cover section in the Allianz Business Insurance Pack, Allianz Office Pack, and Allianz Trades and Services Pack policies, as well as standalone Commercial Motor Insurance policies. 
 

Policies effective from 28 October 2023 – 14 June 2025 

Applies to the Commercial Vehicle / Commercial Motor cover section in the Allianz Business Insurance Pack, Allianz Office Pack, and Allianz Trades and Services Pack policies, as well as standalone Commercial Motor Insurance policies. 
 

Policies effective on or after 31 July 2025

Applies to the Motor Vehicles and Home Property sections of the Allianz Farm Pack.
 

Policies effective before 31 July 2025

Applies to the Motor Vehicles and Home Property sections of the Allianz Farm Pack.
 

Life Insurance

Life Insurance

Leisure Insurance

Boat Insurance

Travel Insurance

Travel Insurance

Policies commencing on or after 15 November 2022

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Allianz acknowledges Aboriginal and Torres Strait Islander peoples as the Traditional Custodians of the lands on which we live and work across Australia. We pay our respect to First Nations Elders past and present.



Any advice here does not take into account your individual objectives, financial situation or needs. Terms, conditions, limits and exclusions apply. Before making a decision about this insurance, consider the relevant Product Disclosure Statement (PDS)/Policy Wording and Supplementary PDS (if applicable). Where applicable, the PDS/Policy Wording, Supplementary PDS and Target Market Determination (TMD) for this insurance are available on this website. We do not provide any form of advice if you call us to enquire about or purchase a product.

Allianz Australia Insurance Limited ABN 15 000 122 850 AFS Licence No. 234708 is the insurer of any general insurance products offered, and Allianz Australia Life Insurance Limited ABN 27 076 033 782 AFS Licence No. 296559 is the insurer of any life insurance products offered. Each entity is responsible for any statements and representations made about its products, on this website.