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Villa Carlotta Travel Pty Ltd, ABN 96 077 204 963 is a distributor of nib Travel Services (Australia) Pty Ltd (nib), ABN 81 115 932 173, AFSL 308461 and receives a commission for nib products purchased through Villa Carlotta Travel Pty Ltd. Villa Carlotta Travel Pty Ltd acts as an agent for nib and not as your agent. Villa Carlotta Travel Pty Ltd cannot give advice about nib products, and any factual information provided is not intended to imply a recommendation or opinion about nib products. Before you buy, please read the Product Disclosure Statement, Financial Services Guide and Target Market Determination (TMD) available from us. If you have a complaint about a nib product, see the Product Disclosure Statement for the complaints process. This insurance is underwritten by Pacific International Insurance Pty Ltd, ABN 83 169 311 193.