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RACQ Insurance documents

front-of-carMotor Vehicle Insurance
house-homeHousehold Insurance
pet-pawPet Insurance
beach-chair-with-umbrellaTravel Insurance
small-boat-on-waterBoat Insurance
caravanCaravan and Trailer Insurance

View insurance documents for an older product.

What is each document for?

  • A Product Disclosure Statement (PDS) explains the terms and conditions of the policy, including what’s covered, what’s not, and how claims work.
  • A Supplementary Product Disclosure Statement (SPDS) informs you about any changes to the terms and conditions of the PDS. If applicable, always read this with your PDS.
  • An Additional Information Guide (AIG) explains premium calculations, pricing factors, discounts, excesses, and other relevant information.
  • A Target Market Determination (TMD) helps you decide if the insurance is right for you. It outlines who the insurance may be suitable for and aspects that may make it unsuitable for some.
  • A Key Facts Sheet (KFS) is a summary of a Household Insurance policy. It contains key information that is consistent across insurers, making it easier for you to compare policies.

View previous insurance documents

View insurance documents for older products

  • As of 7 November 2020, we will no longer be renewing or selling new RACQ Enthusiast Insurance.

    Includes information on cover for motor enthusiast's cars, like classic, veteran, prestige and vintage vehicles.

    Product Disclosure Statement

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    Enthusiast Car Insurance PDS

    for renewals and new policies with a start date from 1 July 2019 to 6 November 2020

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    Enthusiast Car Insurance PDS

    for renewals and new policies with a start date from 12 February 2018 to 30 June 2020

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    Enthusiast Car Insurance PDS

    for renewals and new policies with a start date from 9 July 2017 to 11 February 2018

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    Enthusiast Motorcycle Insurance PDS

    for renewals and new policies with a start date from 1 July 2019 to 6 November 2020

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    Enthusiast Motorcycle Insurance PDS

    for renewals and new policies with a start date from 12 February 2018 to 30 June 2020

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    Enthusiast Motorcycle Insurance PDS

    for renewals and new policies with a start date from 9 July 2017 to 11 February 2018

    Supplementary Product Disclosure Statement

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    Enthusiast Car Insurance SPDS

    for renewals and new policies with a start date from 1 August 2020 to 6 November 2020

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    Enthusiast Motorcycle SPDS

    for renewals and new policies with a start date from 1 August 2020 to 6 November 2020

  • As of 29 March 2021, we will no longer be renewing or selling new RACQ Unique Vehicle Insurance.

    Includes information on comprehensive coverage for modified, grey import, luxury and performance cars.

    Product Disclosure Statement

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    Unique Vehicle PDS

    for renewals and new policies with a start date from 1 March 2017 to 28 March 2021

    Supplementary Product Disclosure Statement

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    Unique Vehicle SPDS

    for renewals and new policies with a start date from 1 August 2020 to 28 March 2021

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    Unique Vehicle SPDS

    for renewals and new policies with a start date from 01 July 2019 to 28 June 2020

  • As of 1st November 2022, we will no longer be selling new RACQ Body Corporate Insurance.

    Information on cover for residential body corporate and strata plans.

    Product Disclosure Statement

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    Body Corporate Insurance PDS

    for renewals and new policies with a start date from 21 September 2021 to 30 October 2022

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    Body Corporate Insurance PDS

    for renewals and new policies with a start date from 29 March 2021 to 20 September 2021

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    Body Corporate Insurance PDS

    for renewals and new policies with a start date from 1 March 2017 to 31 July 2020

    Supplementary Product Disclosure Statement

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    Body Corporate Insurance SPDS

    for renewals and new policies with a start date from 15 August 2022 to 30 October 2022

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    Body Corporate Insurance SPDS

    for renewals and new policies with a start date from 1 August 2020 to 28 March 2021

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    Body Corporate Insurance SPDS

    for renewals and new policies with a start date from 1 July 2019 to 31 July 2020

    Target Market Determination

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    Body Corporate Insurance TMD

    for renewals and new policies with a start date from 6 October 2022

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    Body Corporate Insurance TMD

    for renewals and new policies with a start date from 1 August 2021 to 5 October 2022

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    Body Corporate Insurance TMD

    for renewals and new policies with a start date from 29 March 2021 to 31 July 2021

  • From 5:00pm AEST 27 July 2023, our partnership with AIA Australia Limited is ending. From 5:00pm AEST 27 April 2023, we will no longer be selling RACQ Life and Income Protection Insurance policies.

    Information for Life and Income Protection Insurance including benefits, additional cover options and limitations.

    Product Disclosure Statement

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    Life Insurance PDS

    for renewals and new policies with a start date from 01 October 2021

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    Life Insurance PDS

    for renewals and new policies with a start date from 12 October 2020

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    Life Insurance PDS

    for renewals and new policies with a start date from 01 September 2020

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    Life Insurance PDS

    for renewals and new policies with a start date from 6 March 2019

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    Life Insurance PDS

    for renewals and new policies with a start date from 9 July 2018

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    Life Insurance PDS

    for renewals and new policies with a start date from 23 September 2017

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    Life Insurance PDS

    for renewals and new policies with a start date from 7 December 2015

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    Income Protection Insurance

    for renewals and new policies with a start date from 01 October 2021

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    Income Protection Insurance

    for renewals and new policies with a start date from 12 October 2020

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    Income Protection Insurance

    for renewals and new policies with a start date from 01 September 2020

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    Income Protection Insurance

    for renewals and new policies with a start date from 6 March 2019

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    Income Protection Insurance

    for renewals and new policies with a start date from 9 July 2018

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    Income Protection Insurance

    for renewals and new policies with a start date from 23 September 2017

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    Income Protection Insurance

    for renewals and new policies with a start date from 7 December 2015

    Target Market Determination

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    Life Insurance TMD

    for renewals and new policies with a start date from 01 October 2021

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    Income Protection Insurance TMD

    for renewals and new policies with a start date from 01 October 2021

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