RACQ Insurance disclosure documents

These documents all play a role in explaining how the insurance policy would work for you.

A Product Disclosure Statement (PDS) tells you what you are and are not covered for under a specific policy. It highlights things such as insured events, claim limits, exclusions, discounts, benefits and information on how our claims process works. It forms part of the issuing documents you receive when you purchase a policy.

A Supplementary Product Disclosure Statement (SPDS) is used to advise you of any changes to the terms and conditions of your PDS. You must read this in conjunction with your PDS.

A Target Market Determination (TMD) explains who the specific insurance may be suitable for, as well as aspects of the policy which may make the insurance unsuitable for some customers.

A Key Facts Sheet (KFS) sets out key information about a Household Insurance policy. The information in here will be consistent in other Insurer fact sheets, in order to make it easier for you to compare policies.

Downloading documents

These documents are current at the time you visit our site. We will update these as changes are made, so if you are looking to purchase insurance you should read the most recent documents, not earlier downloaded versions.

If you have an existing policy, please refer to the documents from the time you purchased or renewed the policy, as these will be the conditions that apply for you.

If you require a PDS or other document not listed here, or if anything from this page doesn’t make sense simply call us on 13 1905 or visit an RACQ store.
  • These documents are for Home Building Insurance and Contents Insurance. You also receive this PDS when you purchase renters or landlords insurance.

    PDS

    • RACQ Household Insurance PDS (for renewals and new policies with a commencement date from 21 September 2021)
    • RACQ Household Insurance PDS (for renewals and new policies with a commencement date from 29 March 2021 to 20 September 2021)
    • RACQ Household Insurance PDS (for renewals and new policies with a commencement date from 1 March 2017 to 28 March 2021)

    SPDS

    • Household Insurance SPDS (for renewals and new policies with a commencement date from 1 August 2020 to 28 March 2021)

    KFS

    • Contents Key Facts Sheet (for renewals and new policies with a commencement date from 29 March 2021)
    • Contents Key Facts Sheet (for renewals and new policies with a commencement date from 1 March 2017 to 28 March 2021)
    • Building Key Facts Sheet (for renewals and new policies with a commencement date from 29 March 2021)
    • Building Key Facts Sheet (for renewals and new policies with a commencement date from 1 March 2017 to 28 March 2021)

    TMD

  • Our Motor Vehicle documents include information for Comprehensive, Third Party Liability, and Fire, Theft and Third Party Insurance policies. You will also receive this PDS if you buy Motorcycle, Golf Buggy, Mobility Aid Insurance and some Fleet and Small Business Insurance policies.

    PDS

    • RACQ Motor Vehicle Insurance PDS (for renewals and new policies with a commencement date from 21 September 2021)
    • RACQ Motor Vehicle Insurance PDS (for renewals and new policies with a commencement date from 29 March 2021 to 20 September 2021)
    • RACQ Motor Vehicle Insurance PDS (for renewals and new policies with a commencement date from 1 March 2017 to 28 March 2021)

    SPDS

    • RACQ Motor Vehicle Insurance SPDS (for renewals and new policies with a commencement date from 1 August 2020 to 28 March 2021)

    TMD

  • Includes information for Comprehensive Insurance.

    PDS

    • RACQ Caravan Insurance PDS (for renewals and new policies with a commencement date from 21 September)
    • RACQ Caravan Insurance PDS (for renewals and new policies with a commencement date from 29 March 2021 to 20 September 2021)
    • RACQ Caravan Insurance PDS (for renewals and new policies with a commencement date from 1 March 2017 to 28 March 2021)

    SPDS

    • RACQ Caravan Insurance SPDS (for renewals and new policies with a commencement date from 1 August 2020 to 28 March 2021)

    TMD

  • Includes information for Comprehensive and Third Party Liability cover.

    PDS

    • RACQ Boat Insurance PDS (for renewals and new policies with a commencement date from 21 September 2021)
    • RACQ Boat Insurance PDS (for renewals and new policies with a commencement date from 29 March 2021 to 20 September 2021)
    • RACQ Boat Insurance PDS (for renewals and new policies with a commencement date from 1 March 2017 to 28 March 2021)

    SPDS

    • RACQ Boat Insurance SPDS (for renewals and new policies with a commencement date from 1 August 2020 to 28 March 2021)

    TMD

  • Information on cover for residential body corporate and strata plans.

    PDS

    • RACQ Body Corporate Insurance PDS (for renewals and new policies with a commencement date from 21 September 2021)
    • RACQ Body Corporate Insurance PDS (for renewals and new policies with a commencement date from 29 March 2021 to 20 September 2021)

    SPDS

    • RACQ Body Corporate Insurance SPDS (for renewals and new policies with a commencement date from 1 August 2020 to 28 March 2021)

    TMD

  • Information for Pet Insurance including optional benefits, inclusions and the claim limits.

    PDS

    • RACQ Pet Insurance PDS (for renewals and new policies with a commencement date from 21 September 2021)
    • RACQ Pet Insurance PDS (for renewals and new policies with a commencement date from 29 March 2021 to 20 September 2021)
    • RACQ Pet Insurance PDS (for renewals and new policies with a commencement date from 1 March 2017 to 28 March 2021)

    SPDS

    • RACQ Pet Insurance SPDS (for renewals and new policies with a commencement date from 1 July 2019 to 28 March 2021)

    TMD

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

    PDS

    TMD

  • Information for Travel Insurance including benefits, additional cover options and limitations.

    The Product Design and Distribution Policy is to assist in providing a guidance on the development and distribution of our insurance products for the appropriate target markets. It provides an outline on the steps taken in developing target market determinations, steps involved in developing insurance products and an indicative checklist to be addressed for distributing these products.

    A Target Market Determination is a document which describes the intended class of customers the product is appropriate for (target market), and outlines ways the product can be distributed to customers. It also describes the circumstances where the Target Market Determination may need to be reviewed.

    PDS

    TMD

  • As of 29 March 2021, we will no longer be renewing or selling new RACQ Unique Vehicle Insurance. For more information on how this may impact you, please contact us on 13 1905.

    PDS

    • RACQ Unique Vehicle PDS (for renewals and new policies with a commencement date from 1 March 2017)

    SPDS

    • RACQ Unique Vehicle SPDS (for renewals and new policies with a commencement date from 1 August 2020)
    • RACQ Unique Vehicle SPDS (for renewals and new policies with a commencement date from 31 July 2019)