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 the PDS. You must read this in conjunction with the 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

      pdf
      1.53 MB
      RACQ Household Insurance PDS (for renewals and new policies with a commencement date from 15 August 2022)

    • RACQ Household Insurance PDS

      pdf
      727.64 KB
      RACQ Household Insurance PDS (for renewals and new policies with a commencement date from 21 September 2021 to 14 August 2022)

    • RACQ Household Insurance PDS

      pdf
      5.16 MB
      RACQ Household Insurance PDS (for renewals and new policies with a commencement date from 29 March 2021 to 20 September 2021)

    SPDS

    • RACQ Household Insurance SPDS

      pdf
      192.99 KB
      RACQ Household Insurance SPDS (for renewals and new policies with a commencement date from 18 December 2023)

    • RACQ Household Insurance SPDS

      pdf
      101.42 KB
      RACQ Household Insurance SPDS (for renewals and new policies with a commencement date from 01 November 2023 to 17 December 2023 )

    • RACQ Household Insurance SPDS

      pdf
      95.64 KB
      RACQ Household Insurance SPDS (for renewals and new policies with a commencement date from 29 May 2023 to 31 October 2023)

    • RACQ Household Insurance SPDS

      pdf
      136.53 KB
      Household Insurance SPDS (for renewals and new policies with a commencement date from 8 March 2022 to 14 August 2022)

    KFS

    • RACQ Contents Key Facts Sheet 

      pdf
      155.33 KB
      Contents Key Facts Sheet (for renewals and new policies with a commencement date from 1 April 2022)

    • RACQ Contents Key Facts Sheet 

      pdf
      173.3 KB
      Contents Key Facts Sheet (for renewals and new policies with a commencement date from 29 March 2021 to 31 March 2022)

    • RACQ Building Key Facts Sheet

      pdf
      147.81 KB
      Building Key Facts Sheet (for renewals and new policies with a commencement date from 1 April 2022)

    • RACQ Building Key Facts Sheet

      pdf
      170.2 KB
      Building Key Facts Sheet (for renewals and new policies with a commencement date from 29 March 2021 to 31 March 2022)

    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

      pdf
      775.91 KB
      RACQ Motor Vehicle Insurance PDS (for renewals and new policies with a commencement date from 21 September 2021)

    • RACQ Motor Vehicle Insurance PDS

      pdf
      6.02 MB
      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

      pdf
      3.09 MB
      RACQ Motor Vehicle Insurance PDS (for renewals and new policies with a commencement date from 1 March 2017 to 28 March 2021)

    SPDS

    TMD

  • Includes information for Comprehensive Insurance.

    PDS

    • RACQ Caravan Insurance PDS

      pdf
      562.18 KB
      RACQ Caravan Insurance PDS (for renewals and new policies with a commencement date from 21 September 2021)

    • RACQ Caravan Insurance PDS

      pdf
      4.69 MB
      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

      pdf
      1.98 MB
      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

      pdf
      178.66 KB
      RACQ Caravan SPDS (for renewals and new policies with a commencement date from 18 December 2023)

    • RACQ Caravan Insurance SPDS

      pdf
      62.83 KB
      RACQ Caravan SPDS (for renewals and new policies with a commencement date from 29 May 2023 to 17 December 2023)

    • RACQ Caravan Insurance SPDS

      pdf
      114.97 KB
      RACQ Caravan Insurance SPDS (for renewals and new policies with a commencement date from 15 August 2022 to 28 May 2023)

    • RACQ Caravan Insurance SPDS

      pdf
      384.91 KB
      RACQ Caravan Insurance SPDS (for renewals and new policies with a commencement date from 8 March 2022 to 14 August 2022)

    TMD

  • Includes information for Comprehensive and Third Party Liability cover.

    PDS

    • RACQ Boat Insurance PDS

      pdf
      466.95 KB
      RACQ Boat Insurance PDS (for renewals and new policies with a commencement date from 21 September 2021)

    • RACQ Boat Insurance PDS

      pdf
      2.47 MB
      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

      pdf
      1.57 MB
      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

      pdf
      152.67 KB
      RACQ Boat SPDS (for renewals and new policies with a commencement date from 18 December 2023)

    • RACQ Boat Insurance SPDS

      pdf
      59.76 KB
      RACQ Boat SPDS (for renewals and new policies with a commencement date from 29 May 2023 to 17 December 2023)

    • RACQ Boat Insurance SPDS

      pdf
      115.88 KB
      RACQ Boat Insurance SPDS (for renewals and new policies with a commencement date from 15 August 2022 to 28 May 2023)

    • RACQ Boat Insurance SPDS

      pdf
      481.23 KB
      RACQ Boat Insurance SPDS (for renewals and new policies with a commencement date from 8 March 2022 to 14 August 2022)

    TMD

  • 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.

    PDS

    SPDS

    TMD

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

    PDS

    • RACQ Pet Insurance PDS

      pdf
      573.92 KB
      RACQ Pet Insurance PDS (for renewals and new policies with a commencement date from 6 March 2023)

    • RACQ Pet Insurance PDS

      pdf
      371.26 KB
      RACQ Pet Insurance PDS (for renewals and new policies with a commencement date from 21 September 2021 to 5 March 2023)

    • RACQ Pet Insurance PDS

      pdf
      2.24 MB
      RACQ Pet Insurance PDS (for renewals and new policies with a commencement date from 29 March 2021 to 20 September 2021)

    SPDS

    • RACQ Pet Insurance SPDS

      pdf
      151.22 KB
      RACQ Pet SPDS (for renewals and new policies with a commencement date from 18 December 2023)

    • RACQ Pet Insurance SPDS

      pdf
      46.33 KB
      RACQ Pet SPDS (for renewals and new policies with a commencement date from 29 May 2023 to 17 December 2023)

    • RACQ Pet Insurance SPDS

      pdf
      112.93 KB
      RACQ Pet Insurance SPDS (for renewals and new policies with a commencement date from 15 August 2022 to 28 May 2023)

    • RACQ Pet Insurance SPDS

      pdf
      382.62 KB
      RACQ Pet Insurance SPDS (for renewals and new policies with a commencement date from 8 March 2022 to 14 August 2022)

    TMD

  • 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 RACQ's 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

View previous PDS, SPDS, and other documents

Contact us

Need help or would like to know more? RACQ offers many convenient ways for you to get in touch with us.