Terms, conditions, limits, exclusions and acceptance criteria apply. Any advice herein does not take into account your personal objectives, financial situation or needs. Please consider your circumstances and the Product Disclosure Statement available from Ian Berry to decide if a product is right for you. Insurance issued by Allianz Australia Insurance Limited ABN 15 000 122 850 AFS Licence No. 234708. In arranging Allianz insurance Ian Berry Insurance acts as an agent for Allianz except for Boat Insurance (Ian Berry acts as an agent of Club Marine Limited) not as your agent. If you purchase this insurance, we will receive a commission that is a percentage of the premium. Ask us for more details before we provide you with any services on this product. Any personal advice provided to you by Ian Berry is provided under Police Credit Union’s AFS Licence.