Except Travel insurance, Insurance and Membership Services Ltd ABN 59 057 159 743, AR No 246235 trading as COTA Insurance arranges these insurances as agent of the insurer Allianz Australia Insurance Limited (Allianz) ABN 15 000 122 850, AFSL No. 234708. For travel insurance, Insurance and Membership Services Ltd trading as COTA Travel Insurance (COTA) is an authorised representative (AR No 246235) for Cerberus Special Risks Pty Limited (Cerberus) ABN 81 115 932 173, AFS Licence No. 308461, and is arranged and managed by Cerberus and underwritten by certain underwriters at Lloyd’s. Any advice here does not take into consideration your objectives, financial situation or needs, which you should consider before acting on our recommendations. Policy terms, conditions and exclusions apply. You should read and consider the PDS available on this website before deciding whether to acquire any product mentioned. We receive commission on these insurance products as a percentage of the premium paid for each policy ranging from 5% to 25%.