How do I know what type of diseases are excluded under my RACQ policy?

The ‘Disease’ exclusion in our Product Disclosure Statement (PDS) or Supplementary Product Disclosure Statement (SPDS) means that you are not covered under your policy for loss or damage or legal liability which is caused by or arises in connection with -

Any disease, or fear or threat of any disease, that can be transmitted between living things:

•             by any substance or agent, including any virus, bacteria, parasite, or other organism, and

•             by any method, including by air or bodily fluid, or from or to any thing, whether solid object, liquid, or gas. If a disease cannot be transmitted between living things as described here it does not fall under this exclusion.