Back to current PDS and SPDS
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.
If you require a PDS not listed here, or if anything in your PDS doesn't make sense simply call us on 13 1905 or visit an RACQ branch.
Download a PDS
The PDS available for download are current at the time you visit our site. We will update the PDS available on our website as changes are made, so please consult the most recent PDS prior to obtaining insurance, not an earlier downloaded version.
After downloading and reading a PDS, you may like to make a claim or get a quote.
Includes information for Home Building Insurance and Contents Insurance. You also receive this PDS when you purchase renters or landlord insurance.
From 1 December 2019
From 1 July 2019
From 30 April 2016
Household policies also have a Key Facts Sheet (KFS) which help highlight your coverage.
From 1 July 2015
Our Motor Vehicle PDS includes information for Comprehensive, Third Party Liability, and Fire Theft and Third Party Insurance policies. You will also receive this if you buy Motorcycle Insurance and some Fleet and Small Business Insurance policies.
From 1 July 2019
From 30 April 2016
As of 7 November 2020, we will no longer be renewing or selling new RACQ Enthusiast Insurance. Please click here for more information.
Includes information on cover for motor enthusiast's cars, like classic, veteran, prestige and vintage vehicles.
From 7 November 2020
From 12 February 2018
From 9 July 2017
Includes information on comprehensive coverage for modified, grey import, luxury and performance cars.
From 30 April 2016
Includes information for Comprehensive and Third Party Liability Insurance.
From 1 July 2019
From 30 April 2016
Includes information for Comprehensive and Third Party Liability cover.
From 1 July 2019
From 1 March 2017
From 30 April 2016
Information on cover for residential body corporate and strata plans.
From 1 July 2019
From 1 March 2017
From 30 April 2016
Information for Pet Insurance including optional benefits, inclusions and the claim limits.
From 30 April 2016
Information for Life and Income Protection Insurance including benefits, additional cover options and limitations.
Effective 12 October 2020
RACQ's Life Insurance PDS (effective 12 October 2020) (PDF, 627KB)
RACQ's Income Protection Insurance PDS (effective 12 October 2020) (PDF, 495KB)
Effective 1 September 2020
Effective 6 March 2019
Effective 9 July 2018
Effective 23 September 2017
Effective 7 December 2015
Effective 9 July 2018
Effective 23 September 2017
Effective 7 December 2015
For existing members who purchased RACQ Accident Insurance cover prior to 6 March 2019, please refer to the RACQ Accident Insurance PDS below:
Effective 23 September 2017; no longer available
Effective 7 December 2015; no longer available
For existing members who purchased RACQ Accident Plus cover prior to 25 September 2017, please refer to the RACQ Accident Plus PDS below:
Effective 3 March 2016
Information for Travel Insurance including benefits, additional cover options and limitations.
Effective 15 August 2017
Back to current PDS and SPDS