Some of the pages of this website contain general financial product advice, provided by Zurich Australian Insurance Limited (for general insurance products), or by Zurich Australia Limited and Zurich Investment Management Limited for all other financial products offered by the Zurich Australia Group. This advice has been prepared without taking account of your objectives, financial situation or needs. Therefore, before acting on the advice you should consider its appropriateness having regard to your objectives, financial situation and needs. You should obtain and consider the relevant Product Disclosure Statement, Information Memorandum or Policy Wording for a financial product before making any decision about whether to acquire that product. You can contact Zurich Australia Limited or Zurich Investment Management Limited to ask for a copy of any of these documents, or to make enquiries about the financial services they offer, by telephone on 131 551, or in writing addressed to them, 5 Blue Street, North Sydney NSW 2060. Similarly, you can contact Zurich Australian Insurance Limited by telephone on 132 687 or in writing to Zurich Australian Insurance Limited, 5 Blue Street, North Sydney NSW 2060. Zurich Australia Limited and Zurich Investment Management Limited receive remuneration such as fees, charges or premiums for the financial products issued. Details of these payments including how they are calculated and when and how they are payable can be found in the relevant Product Disclosure Statement, or Information Memorandum for the relevant financial product. Zurich Australian Insurance Limited is remunerated by way of receiving premiums when it issues insurance policies and certain factors relating to the premiums can also be found in the relevant Product Disclosure Statement.