Back to current PDS and SPDS

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

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

From 12 February 2018

From 9 July 2017

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

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

Travel Insurance

Information for Travel Insurance including benefits, additional cover options and limitations.

Effective 15 August 2017

Back to current PDS and SPDS