RACQ Insurance documents
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
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These documents include information for comprehensive, third party, motorcycle, golf buggy, mobility aid insurance policies.
Product Disclosure Statement
Motor Vehicle Insurance PDS
for renewals and new cover with a start date from 29 March 2021 to 20 September 2021
Motor Vehicle Insurance PDS
for renewals and new cover with a start date from1 March 2017 to 28 March 2021
Supplementary Product Disclosure Statement
Motor Vehicle Insurance SPDS
for renewals and new cover with a start date from 15 August 2022 to 28 May 2023
Motor Vehicle Insurance SPDS
for renewals and new cover with a start date from 8 March 2022 to 14 August 2022
Motor Vehicle Insurance SPDS
for renewals and new cover with a start date from 1 August 2020 to 28 March 2021
Motor Vehicle Insurance SPDS
for renewals and new cover with a start date from 1 July 2019 to 31 July 2020
Target Market Determination
Motor Vehicle Insurance TMD
for renewals and new cover with a start date from 6 October 2022 to 2 November 2023
Motor Vehicle Insurance TMD
for renewals and new cover with a start date from 1 August 2021 to 5 October 2022
Motor Vehicle Insurance TMD
for renewals and new cover with a start date from 29 March 2021 to 31 July 2021
Looking for a newer document? View current insurance documents.
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These documents are for home and contents insurance policies. You will receive this PDS if you are an owner-occupier, a landlord, or a renter.
Product Disclosure Statement
Household Insurance PDS
for renewals and new policies with a commencement date from 21 September 2021 to 14 August 2022
Household Insurance PDS
for renewals and new cover with a commencement date from 29 March 2021 to 20 September 2021
Household Insurance PDS
for renewals and new cover with a commencement date from 1 March 2017 to 28 March 2021
Supplementary Product Disclosure Statement
Household Insurance SPDS
for renewals and new cover with a commencement date from 29 May 2023 to 31 October 2023
Household Insurance SPDS
for renewals and new cover with a commencement date from 8 March 2022 to 14 August 2022
Household Insurance SPDS
for renewals and new cover with a commencement date from 1 August 2020 to 28 March 2021
Household Insurance SPDS
for renewals and new cover with a commencement date from 1 December 2019 to 31 July 2020
Household Insurance SPDS
for renewals and new cover with a commencement date from 1 July 2019 to 30 November 2019
Target Market Determination
Household Insurance TMD
for renewals and new cover with a start date from 1 August 2021 to 5 October 2022
Household Insurance TMD
for renewals and new cover with a start date from 29 March 2021 to 31 July 2021
Key Fact Sheets
Building Key Facts Sheet
for renewals and new cover with a commencement date from 29 March 2021 to 10 April 2022
Building Key Facts Sheet
for renewals and new cover with a commencement date from 1 March 2017 to 28 March 2021
Contents Key Facts Sheet
for renewals and new cover with a commencement date from 29 March 2021 to 10 April 2022
Contents Key Facts Sheet
for renewals and new cover with a commencement date from 1 March 2017 to 28 March 2021
Looking for a newer document? View current insurance documents.
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These documents are for pet insurance policies.
Product Disclosure Statement
Pet Insurance PDS
for renewals and new cover with a start date from 21 September 2021 to 5 March 2023
Pet Insurance PDS
for renewals and new cover with a start date from 29 March 2021 to 20 September 2021
Pet Insurance PDS
for renewals and new cover with a start date from 1 March 2017 to 28 March 2021
Supplementary Product Disclosure Statement
Pet Insurance SPDS
for renewals and new cover with a start date from 15 August 2022 to 28 May 2023
Pet Insurance SPDS
for renewals and new cover with a start date from 8 March 2022 to 14 August 2022
Pet Insurance SPDS
for renewals and new cover with a start date from 1 July 2019 to 28 March 2021
Target Market Determination
Pet Insurance TMD
for renewals and new cover with a start date from 6 October 2022 to 5 March 2023
Pet Insurance TMD
for renewals and new cover with a start date from 1 August 2021 to 5 October 2022
Looking for a newer document? View current insurance documents.
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Information for Travel Insurance policies.
Product Disclosure Statement and Supplementary Product Disclosure Statement
RACQ Travel Insurance PDS
Effective 15 December 2023
RACQ Travel Insurance PDS
Effective 11 July 2023
RACQ Travel Insurance PDS
Effective 31 May 2023
RACQ Travel Insurance PDS
Effective 10 August 2022
RACQ Travel Insurance PDS and SPDS
Effective 17 November 2021 (PDS) and 1 March 2022 (SPDS)
RACQ Travel Insurance PDS and SPDS
Effective 29 May 2020 (PDS) and 5 April 2021 (SPDS)
RACQ Travel Insurance SPDS
Effective 4 July 2019
RACQ Travel Insurance PDS
Effective 22 November 2018
RACQ Travel Insurance PDS
Effective 15 August 2017
Target Market Determination
RACQ Domestic, International and Annual Multi Trip TMD
Effective 15 December 2023
RACQ Domestic, International and Annual Multi Trip TMD
Effective 11 July 2023
RACQ Domestic, International and Annual Multi Trip TMD
Effective 31 May 2023
RACQ Domestic, International and Annual Multi Trip TMD
Effective September 2022
RACQ Domestic Travel Policy TMD
Effective 5 October 2021
RACQ Annual Multi Trip Policy TMD
Effective 5 October 2021
RACQ International Single Trip Policy TMD
Effective 5 October 2021
Looking for a newer document? View current insurance documents.
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These documents are for comprehensive and third party liability boat insurance policies.
Product Disclosure Statement
Boat Insurance PDS
for renewals and new cover with a start date from 29 March 2021 to 20 September 2021
Boat Insurance PDS
for renewals and new cover with a start date from 1 March 2017 to 28 March 2021
Supplementary Product Disclosure Statement
Boat Insurance SPDS
for renewals and new cover with a start date from 15 August 2022 to 28 May 2023
Boat Insurance SPDS
for renewals and new cover with a start date from 8 March 2022 to 14 August 2022
Boat Insurance SPDS
for renewals and new cover with a start date from 1 August 2020 to 28 March 2021
Boat Insurance SPDS
for renewals and new cover with a start date from 1 July 2019 to 31 July 2020
Target Market Determination
Boat Insurance TMD
for renewals and new cover with a start date from 1 August 2021 to 5 October 2022
Boat Insurance TMD
for renewals and new cover with a start date from 29 March 2021 to 31 July 2021
Looking for a newer document? View current insurance documents.
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These documents are for comprehensive caravan and trailer insurance policies.
Product Disclosure Statement
Caravan Insurance PDS
for renewals and new cover with a start date from 29 March 2021 to 20 September 2021
Caravan Insurance PDS
for renewals and new cover with a start date from 1 March 20217 to 28 March 2021
Supplementary Product Disclosure Statement
Caravan Insurance SPDS
for renewals and new cover with a start date from 15 August 2022 to 28 May 2023
Caravan Insurance SPDS
for renewals and new cover with a start date from 8 March 2022 to 14 August 2022
Caravan Insurance SPDS
for renewals and new cover with a start date from 1 August 2020 to 28 March 2021
Caravan Insurance SPDS
for renewals and new cover with a start date from 1 July 2019 to 31 July 2020
Target Market Determination
Caravan Insurance TMD
for renewals and new cover with a start date from 1 August 2021 to 5 October 2022
Caravan Insurance TMD
for renewals and new cover with a start date from 29 March 2021 to 31 July 2021
Looking for a newer document? View current insurance documents.
View insurance documents for older products
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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
Enthusiast Car Insurance PDS
for renewals and new policies with a start date from 1 July 2019 to 6 November 2020
Enthusiast Car Insurance PDS
for renewals and new policies with a start date from 12 February 2018 to 30 June 2020
Enthusiast Car Insurance PDS
for renewals and new policies with a start date from 9 July 2017 to 11 February 2018
Enthusiast Motorcycle Insurance PDS
for renewals and new policies with a start date from 1 July 2019 to 6 November 2020
Enthusiast Motorcycle Insurance PDS
for renewals and new policies with a start date from 12 February 2018 to 30 June 2020
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
Enthusiast Car Insurance SPDS
for renewals and new policies with a start date from 1 August 2020 to 6 November 2020
Enthusiast Motorcycle SPDS
for renewals and new policies with a start date from 1 August 2020 to 6 November 2020
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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
Unique Vehicle PDS
for renewals and new policies with a start date from 1 March 2017 to 28 March 2021
Supplementary Product Disclosure Statement
Unique Vehicle SPDS
for renewals and new policies with a start date from 1 August 2020 to 28 March 2021
Unique Vehicle SPDS
for renewals and new policies with a start date from 01 July 2019 to 28 June 2020
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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
Body Corporate Insurance PDS
for renewals and new policies with a start date from 21 September 2021 to 30 October 2022
Body Corporate Insurance PDS
for renewals and new policies with a start date from 29 March 2021 to 20 September 2021
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
Body Corporate Insurance SPDS
for renewals and new policies with a start date from 15 August 2022 to 30 October 2022
Body Corporate Insurance SPDS
for renewals and new policies with a start date from 1 August 2020 to 28 March 2021
Body Corporate Insurance SPDS
for renewals and new policies with a start date from 1 July 2019 to 31 July 2020
Target Market Determination
Body Corporate Insurance TMD
for renewals and new policies with a start date from 6 October 2022
Body Corporate Insurance TMD
for renewals and new policies with a start date from 1 August 2021 to 5 October 2022
Body Corporate Insurance TMD
for renewals and new policies with a start date from 29 March 2021 to 31 July 2021
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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
Life Insurance PDS
for renewals and new policies with a start date from 01 October 2021
Life Insurance PDS
for renewals and new policies with a start date from 12 October 2020
Life Insurance PDS
for renewals and new policies with a start date from 01 September 2020
Life Insurance PDS
for renewals and new policies with a start date from 6 March 2019
Life Insurance PDS
for renewals and new policies with a start date from 9 July 2018
Life Insurance PDS
for renewals and new policies with a start date from 23 September 2017
Life Insurance PDS
for renewals and new policies with a start date from 7 December 2015
Income Protection Insurance
for renewals and new policies with a start date from 01 October 2021
Income Protection Insurance
for renewals and new policies with a start date from 12 October 2020
Income Protection Insurance
for renewals and new policies with a start date from 01 September 2020
Income Protection Insurance
for renewals and new policies with a start date from 6 March 2019
Income Protection Insurance
for renewals and new policies with a start date from 9 July 2018
Income Protection Insurance
for renewals and new policies with a start date from 23 September 2017
Income Protection Insurance
for renewals and new policies with a start date from 7 December 2015
Target Market Determination
Life Insurance TMD
for renewals and new policies with a start date from 01 October 2021
Income Protection Insurance TMD
for renewals and new policies with a start date from 01 October 2021
Contact us
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