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Tokio Marine & Nichido Fire Insurance Co Ltd (ABN 80 000 438 291 AFSL 246 548) is the issuer of RACT Travel Insurance. The 'RACT Travel Insurance - Combined Financial Services Guide and Product Disclosure Statement' (PDS) which includes the policy wording, is available here. You should consider the PDS in deciding whether to acquire, or to continue to hold the policies. Whilst the PDS outlines the Terms and Conditions of these products, the TMD's outline the intended class of customers that comprise the target market for these travel products. This will allow you to consider which products best suit your objectives, financial situation and needs and consider the products appropriateness to your personal circumstances. TMD's also outline matters involving the distribution and the review of these products. The TMD's for each travel product can be found here. Where it provides financial services in relation to RACT Travel Insurance (such as financial advice or arranging for the issue of insurance), Royal Automobile Club of Tasmania Limited (RACT) (ABN 62 009 475 861 AR 000228578) is acting as an Authorised Representative of the issuer of the insurance, Tokio Marine & Nichido Fire Insurance Co., Ltd. (ABN 80 000 438 291 AFSL 246 548).