The Product Disclosure Statement (PDS) contains information about the Ringo’s key features, premiums, policy benefits and limits, cooling-off period, cancellations, the complaints handling procedure, and sets out terms of the policy including the exclusions and conditions that apply.

The Financial Services Guide (FSG) outlines the financial services provided by Centrestone Insurance Pty Ltd ABN 28 610 253 891 and other persons or organisation listed in the FSG in relation to the Product, how they are remunerated in relation to the services, and their complaints handling procedure. It is designed to assist you in deciding whether to use any of those financial services. Centrestone and other person or organisations providing the services are responsible for information relevant to them in the FSG.

This document also contains important information about:

• The product provider, Centrestone Insurance Pty Ltd ABN 28 610 253 891 | AR no. 1245649 trading as Ringo Insurance (Ringo)
• The product issuer, Enable Underwriting Pty Ltd ABN 81 610 250 425 | AR no. 1245646 (Enable)
• The insurer, Berkley Insurance Company (limited company incorporated in Delaware, USA) ABN 53 126 559 706 | AFSL 463129 trading as Berkley Insurance Australia (Berkley)

Please read this document carefully before making a decision to purchase the Product. Any information contained in this document is of a general nature only. It does not take into account your objective, financial situation or needs. You should consider whether the Product is right for you before deciding to buy or hold this Product.