Storms and cyclones

Under your RACQ Comprehensive Car Insurance policy, we cover your vehicle for loss or damage caused by an incident that happens during the period of insurance if your vehicle is damaged by a storm, hail or flood.

Please read your Product Disclosure Statement (PDS) and applicable Supplementary PDS, and log into your My RACQ profile to view your Certificate of Insurance. These documents will tell you what events and damages you are covered for, your insured amounts, any limits, conditions and excesses that apply.

Under your RACQ Home and/or Contents Insurance policy, we cover your home and contents for loss or damage caused by an incident that happens during the period of insurance if your home or contents are damaged by a storm, hail or flood.

For policies with an effective date on or after 29th March 2021, our PDS defines storm as 'Strong winds that may also involve heavy rain, hail, or snow. For example, a cyclone.'

Please read your Product Disclosure Statement (PDS), any applicable Supplementary PDS, relevant Key Facts Sheet and Target Market Determination and log into your My RACQ profile to view your Certificate of Insurance. These documents will tell you what events and damages you are covered for, your insured amounts, any limits, conditions and excesses that apply.

Following the Financial Services Royal Commission, RACQ has moved from relying on the Duty of Disclosure, to a more relevant and modern approach to disclosure – a duty to take reasonable care not to make a misrepresentation. A key aim of this new duty is to adequately protect consumers against having their claims denied where they may have inadvertently failed to disclose past circumstances or because an insurer failed to ask the right questions. This means that we have made changes to the questions we ask before you enter into an insurance policy with us.  Your responsibility under this new duty will be limited to responding to specific questions that we ask you, including that you confirm or update your information at each renewal or policy variation.