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CarClarity Pty Ltd ABN 97 631 982 084 (CarClarity) has been appointed as a distributor of Insurance Australia Limited trading as CGU Insurance ABN 11 000 016 722, AFSL 227681 (CGU). If you take out an insurance product through CarClarity, CGU will pay CarClarity a commission of 10% of the premium (exclusive of government charges). A commission of 5% will also be paid on any variations to your policy and on renewal. The commissions paid toCarClarity are included as part of your premium. If you have a complaint about your insurance product CGU has an internal dispute resolution process. For any complaints, please contact CGU on 13 24 81 or GPO Box 9902 in your capital city. Any advice provided is general only and has been prepared without taking into account your objectives, financial situation or needs and may not be right for you. To decide if this product is right for you, please read the Product Disclosure Statement (PDS) and the Target Market Determination (TMD).