RACQ Insurance documents

The documents that apply to your product are based on the start date of your cover.

If you have an existing policy, please check the start date of your cover to determine which version applies to you. The Product Disclosure Statement (PDS) and Supplementary PDS version that applies may also be found on your Certificate of Insurance, or you can log into your My RACQ to view your policy details.

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front-of-carMotor Vehicle Insurance
house-with-open-windowHousehold Insurance
pet-pawPet Insurance
beach-chair-with-umbrellaTravel Insurance
small-boat-on-waterBoat Insurance
caravanCaravan and Trailer Insurance

What is each document for?

  • A Product Disclosure Statement (PDS) explains the terms and conditions of the policy, including what’s covered, what’s not, and how claims work.
  • A Supplementary Product Disclosure Statement (SPDS) informs you about any changes to the terms and conditions of the PDS. If applicable, always read this with your PDS.
  • An Additional Information Guide (AIG) explains premium calculations, pricing factors, discounts, excesses, and other relevant information.
  • A Target Market Determination (TMD) helps you decide if the insurance is right for you. It outlines who the insurance may be suitable for and aspects that may make it unsuitable for some.
  • A Key Facts Sheet (KFS) is a summary of a Household Insurance policy. It contains key information that is consistent across insurers, making it easier for you to compare policies.

View documents

Helpful links to manage my insurance

hand-holding-dollar-signRenew your insurance.
umbrellaMake a claim
information-documentUpdate your personal details
document-with-pen-pencilUpdate your policy
document-paperInsurance policy overview
text-document-with-checkmarkDirect Debit Terms and Conditions

Contact us

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

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Things to note

Insurance Products (excluding Travel Insurance) are issued by RACQ Insurance Limited ABN 50 009 704 152 (RACQI) and arranged by RACQ Distribution Services Pty Ltd (RDS) ABN 35 116 361 650, AFSL 567130 and RDS' authorised representatives (including RACQ Operations Pty Ltd ABN 80 009 663 414, AR No. 234978 (RACQO)). Conditions, limits and exclusions apply.

Any advice provided by RDS and RACQO is general advice only and does not take into account your personal objectives, financial situation or needs and you will need to consider whether the advice is appropriate for you. Read the Product Disclosure Statement (PDS) before making a purchase decision on the product. You can also access our Target Market Determinations on this website.

RDS receives a commission from RACQI for the policies it arranges. RACQO receives fees paid for services it provides to RDS. Further details about remuneration are available on request prior to purchasing.

RACQ Group and RACQ Insurance may need to collect personal information from you to support you with your inquiry, assess your eligibility for any of our products or services, or to provide general support. By providing your details, you agree to RACQ Group and RACQ Insurance collecting, holding, using, and disclosing your personal information pursuant to the RACQ Group Privacy Statement and RACQ Insurance Privacy Collection Notice, available from racq.com or you can request a copy.