Target Market Determination (TMD)

Below are links to the available Target Market Determinations (TMDs) for the insurance policies we distribute through Harlocks.

A TMD helps you understand the class of customers an insurance policy has been designed for, considering their needs, objectives, and financial situations.

If you’re not sure which TMD is the right one for your policy, please contact us

Accident & Health Insurance

• All Accident & Health TMDs

Allianz

• All Allianz TMDs

CGU

• All other CGU TMDs

Lloyds

• WWMR

National Transport Insurance

• All NTI TMDs

QBE

• All QBE TMDs (search for TMD)

Strata Unit Underwriters

• Strata Residental
  
  
• Strata Commerical
  

TIO

• All TIO TMDs

Vero

• All Vero TMDs

Zurich

• All Zurich TMDs

This website contains general information, does not take into account your individual objectives, financial situation or needs and may not suit your personal circumstances. For full details of the terms, conditions and limitations of the covers and before making any decision about whether to acquire a product, refer to the specific policy wordings and/or Product Disclosure Statements