What is a Product Disclosure Statement (PDS)?
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.Download a PDS
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.
Household Insurance
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
- Contents Key Facts Sheet (for renewals and new policies with a commencement date from 1 July 2015) (PDF, 544KB)
- Building Key Facts Sheet (for renewals and new policies with a commencement date from 1 July 2015) (PDF, 547KB)
Motor Vehicle Insurance
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
Enthusiast Car and Motorcycle Insurance
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 31 July 2020
- RACQ Enthusiast Car Insurance PDS (for renewals and new policies with a commencement date from 31 July 2020) (PDF, 341KB)
- RACQ Enthusiast Car Insurance SPDS (for renewals and new policies with a commencement date from 1 August 2020) (PDF, 39KB)
- RACQ Enthusiast Motorcycle Insurance PDS (for renewals and new policies with a commencement date from 31 July 2020) (PDF, 285KB)
- RACQ Enthusiast Motorcycle SPDS (for renewals and new policies with a commencement date from 1 August 2020) (PDF, 39KB)
From 12 February 2018
- RACQ Enthusiast Car Insurance PDS (for renewals and new policies with a commencement date from 12 February 2018) (PDF, 351KB)
- RACQ Enthusiast Motorcycle Insurance PDS (for renewals and new policies with a commencement date from 12 February 2018) (PDF, 293KB)
From 9 July 2017
- RACQ Enthusiast Car Insurance PDS (for renewals and new policies with a commencement date from 9 July 2017) (PDF, 295KB)
- RACQ Enthusiast Motorcycle Insurance PDS (for renewals and new policies with a commencement date from 9 July 2017) (PDF, 242KB)
Unique Vehicle Insurance
Includes information on comprehensive coverage for modified, grey import, luxury and performance cars.
From 30 April 2016
Caravan Insurance
Includes information for Comprehensive and Third Party Liability Insurance.
From 1 July 2019
From 30 April 2016
Boat Insurance
Includes information for Comprehensive and Third Party Liability cover.
From 1 July 2019
From 1 March 2017
From 30 April 2016
Body Corporate Insurance
Information on cover for residential body corporate and strata plans.
From 1 July 2019
From 1 March 2017
From 30 April 2016
Pet Insurance
Information for Pet Insurance including optional benefits, inclusions and the claim limits.
From 30 April 2016
Life and Income Protection Insurance
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
- RACQ's Life Insurance PDS (effective 01 September 2020) (PDF, 613KB)
- RACQ's Income Protection Insurance PDS (effective 01 September 2020) (PDF, 484KB)
Effective 6 March 2019
- RACQ's Life Insurance PDS (effective 6 March 2019) (PDF, 613KB)
- RACQ's Income Protection Insurance PDS (effective 6 March 2019) (PDF, 484KB)
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
Travel Insurance
Information for Travel Insurance including benefits, additional cover options and limitations.
Effective 15 August 2017
Contact us
Need help or would like to know more? RACQ Insurance offers many convenient ways for you to get in touch with us.
