Cover under The Warehouse Travel Insurance is subject to the terms, conditions and exclusions contained in the Policy Wording and Schedule. The Warehouse Travel Insurance cover is underwritten by the insurer, IAG New Zealand Limited (IAG NZ) and is not an obligation of the distributor, The Warehouse Financial Services Limited. The Warehouse Financial Services Limited does not guarantee the obligations of IAG NZ. The Warehouse Financial Services Limited arranges The Warehouse Travel Insurance as an agent for IAG NZ and receives a commission on any policies arranged through it.