Previous Product Disclosure Statements

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.

PDS 

• RACQ Household Insurance PDS (for renewals and new policies with a commencement date from 1 March 2017 to 28 March 2021) (PDF, 1.2MB)

• RACQ Household Insurance PDS (for renewals and new policies with a commencement date from April 30 2016 to 28 February 2017) (PDF, 1.94MB)

SPDS

• RACQ Household Insurance SPDS (for renewals and new policies with a commencement date from 1 August 2020 to 28 March 2021) (PDF, 61KB)
• RACQ Household Insurance SPDS (for renewals and new policies with a commencement date from 1 December 2019 to 31 July 2020) (PDF, 34KB)
• RACQ Household Insurance SPDS (for renewals and new policies with a commencement date from 1 July 2019 to 30 November 2019) (PDF, 36KB)

KFS

Household policies also have a Key Facts Sheet (KFS) which help highlight your coverage.

• Contents Key Facts Sheet (for renewals and new policies with a commencement date from 1 March 2017 to 28 March 2021 (PDF,164KB)
• Contents Key Facts Sheet (for renewals and new policies with a commencement date from 1 July 2015 to 28 Feb 2017) (PDF, 544KB)
• Building Key Facts Sheet (for renewals and new policies with a commencement date from 1 March 2017 to 28 March 2021 (PDF, 166KB)
• Building Key Facts Sheet (for renewals and new policies with a commencement date from 1 July 2015 to 28 Feb 2017) (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.

PDS

• RACQ Motor Vehicle Insurance PDS (for renewals and new policies with a commencement date from 30 April 2016 to 28 February 2017) (PDF, 3.20MB)

SPDS

• RACQ Motor Vehicle Insurance SPDS (for renewals and new policies with a commencement date from 1 August 2020 to 28 March 2021) (PDF, 52KB)
• RACQ Motor Vehicle Insurance SPDS (for renewals and new policies with a commencement date from 1 July 2019 to 31 July 2020) (PDF, 36KB)

Enthusiast Car and Motorcycle Insurance

As of 7 November 2020, we will no longer be renewing or selling new RACQ Enthusiast Insurance.

Includes information on cover for motor enthusiast's cars, like classic, veteran, prestige and vintage vehicles.

PDS

• RACQ Enthusiast Car Insurance PDS (for renewals and new policies with a commencement date from 31 July 2020 to 6 November 2020) (PDF, 341KB)
• RACQ Enthusiast Car Insurance PDS (for renewals and new policies with a commencement date from 12 February 2018 to 30 June 2020) (PDF, 351KB)
• RACQ Enthusiast Car Insurance PDS (for renewals and new policies with a commencement date from 9 July 2017 to 11 February 2018) (PDF, 295KB

• RACQ Enthusiast Motorcycle Insurance PDS (for renewals and new policies with a commencement date from 31 July 2020 to 6 November 2020) (PDF, 285KB)

• RACQ Enthusiast Motorcycle Insurance PDS (for renewals and new policies with a commencement date from 12 February 2018 to 30 June 2020) (PDF, 293KB)

• RACQ Enthusiast Motorcycle Insurance PDS (for renewals and new policies with a commencement date from 9 July 2017 to 11 February 2018) (PDF, 242KB)

SPDS

• RACQ Enthusiast Car Insurance SPDS (for renewals and new policies with a commencement date from 1 August 2020 to 6 November 2020) (PDF, 39KB)
• RACQ Enthusiast Motorcycle SPDS (for renewals and new policies with a commencement date from 1 August 2020 to 6 November 2020) (PDF, 39KB)

Unique Vehicle Insurance

As of 29 March 2021, we will no longer be renewing or selling new RACQ Unique Vehicle Insurance.

Includes information on comprehensive coverage for modified, grey import, luxury and performance cars.

PDS

• RACQ Unique Vehicle PDS (for renewals with a commencement date from 1 March 2017 to 28 March 2021) (35.42KB)
• RACQ Unique Vehicle PDS (for renewals with a commencement date from 28 December 2015 to 28 February 2017) (PDF, 308KB)

SPDS

• RACQ Unique Vehicle SPDS (for renewals with a commencement date from 1 August 2020 to 28 March 2021) (310.42KB)
• RACQ Unique Vehicle SPDS (for renewals with a commencement date from 01 July 2019 to 28 June 2020) (50.42KB)

Caravan Insurance

Includes information for Comprehensive and Third Party Liability Insurance.

PDS

• RACQ Caravan Insurance PDS (for renewals and new policies with a commencement date from 30 April 2016 to 28 February 2017) (PDF, 2.06MB)

SPDS

• RACQ Motor Vehicle Insurance SPDS (for renewals and new policies with a commencement date from 1 August 2020 to 28 March 2021) (PDF, 51KB)
• RACQ Caravan Insurance SPDS (for renewals and new policies with a commencement date from 1 July 2019 to 31 July 2020) (PDF, 36KB)

Boat Insurance

Includes information for Comprehensive and Third Party Liability cover.

PDS

• RACQ Boat Insurance PDS (for renewals and new policies with a commencement date from 30 April 2016 to 28 February 2017) (PDF, 1.56MB)

SPDS

• RACQ Boat Insurance SPDS (for renewals and new policies with a commencement date from 1 August 2020 to 28 March 2021) (PDF, 51KB)
• RACQ Boat Insurance SPDS (for renewals and new policies with a commencement date from 1 July 2019 to 31 July 2020) (PDF, 36KB)

Body Corporate Insurance

As of 1st November 2022, we will no longer be selling new RACQ Body Corporate Insurance.

Information on cover for residential body corporate and strata plans.

PDS

• RACQ Body Corporate Insurance PDS (for renewals with a commencement date from 21 September 2021)(PDF 480.06KB) 

• RACQ Body Corporate Insurance PDS (for renewals with a commencement date from 29 March 2021 to 20 September 2021)(PDF 3.37MB)

•  RACQ Body Corporate Insurance PDS (for renewals and new policies with a commencement date from 1 March 2017 to 31 July 2020) (PDF, 1.66MB)

• RACQ Body Corporate Insurance PDS (for renewals and new policies with a commencement date from 30 April 2016 to 28 February 2017) (PDF, 1.65MB)

SPDS 

• RACQ Body Corporate Insurance SPDS (for renewals with a commencement date from 15 August 2022)(PDF 100.5 KB) 

• RACQ Body Corporate Insurance SPDS (for renewals and new policies with a commencement date from 1 August 2020 to 28 March 2021) (PDF, 51KB)

• RACQ Body Corporate Insurance SPDS (for renewals and new policies with a commencement date from 1 July 2019 to 31 July 2020) (PDF, 36KB)

TMD

• Body Corporate Insurance TMD (effective 6 October 2022)(PDF 104.63 KB) 
• Body Corporate Insurance TMD (effective 1 August 2021 to 5 October 2022)(PDF 894.09KB) 
• Body Corporate Insurance TMD (effective 29 March 2021 to 31 July 2021) (PDF, 256.85KB) 

Pet Insurance

Information for Pet Insurance including optional benefits, inclusions and the claim limits.

PDS

• RACQ Pet Insurance PDS (for renewals and new policies with a commencement date from 1 March 2017 to 28 March 2021) (PDF, 2.61MB)
• RACQ Pet Insurance PDS (for renewals and new policies with a commencement date from 30 April 2016 to 30 June 2019) (PDF, 1.56MB)

SPDS 

• RACQ Pet Insurance SPDS (for renewals and new policies with a commencement date from 1 July 2019 to 28 March 2021) (PDF, 56KB)

TMD

• RACQ TMD Household Insurance TMD effective 29 March 2021 to 31 July 2021 (PDF, 70KB)

Life and Income Protection Insurance

From 5:00pm AEST 27 July 2023, our partnership with AIA Australia Limited is ending. From 5:00pm AEST 27 April 2023, we will no longer be selling RACQ Life and Income Protection Insurance policies.

Information for Life and Income Protection Insurance including benefits, additional cover options and limitations.

PDS

• RACQ's Life Insurance PDS (effective 01 October 2021) (PDF 1.19 MB)

• RACQ's Life Insurance PDS (effective 12 October 2020) (PDF, 627KB)

• RACQ's Life Insurance PDS (effective 01 September 2020) (PDF, 613KB)

• RACQ's Life Insurance PDS (effective 6 March 2019) (PDF, 613KB)
• RACQ's Life Insurance PDS (effective 9 July 2018) (PDF, 625KB)
• RACQ's Life Insurance PDS (effective 23 September 2017) (PDF, 604KB)
• RACQ's Life Insurance PDS (effective 7 December 2015) (PDF, 1.08MB)
• RACQ's Income Protection Insurance PDS (effective 01 October 2021) (PDF 1.16MB)
• RACQ's Income Protection Insurance PDS (effective 12 October 2020) (PDF, 495KB)

• RACQ's Income Protection Insurance PDS (effective 01 September 2020) (PDF, 484KB)

• RACQ's Income Protection Insurance PDS (effective 6 March 2019) (PDF, 484KB)

• RACQ's Income Protection Insurance PDS (effective 9 July 2018) (PDF, 494KB)

• RACQ's Income Protection Insurance PDS (effective 23 September 2017) (PDF, 481KB)

• RACQ's Income Protection Insurance PDS (effective 7 December 2015) (PDF, 1.19MB)

TMD

• RACQ’s Life Insurance TMD (effective 01 October 2021) (PDF 415.69 KB)

• RACQ’s Income Protection Insurance TMD (effective 01 October 2021) (PDF 418.27KB)

For existing members who purchased RACQ Accident Insurance cover prior to 6 March 2019, please refer to the RACQ Accident Insurance PDS below:

• RACQ's Accident Insurance PDS (effective 23 September 2017; no longer available) (PDF, 499KB)
• RACQ's Accident Insurance PDS (effective 7 December 2015; no longer available) (PDF, 979KB)

For existing members who purchased RACQ Accident Plus cover prior to 25 September 2017, please refer to the RACQ Accident Plus PDS below:

• RACQ's Accident Plus Insurance PDS (effective 3 March 2016; no longer available) (PDF, 1.08MB)

Travel Insurance

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

PDS and SPDS

• RACQ Travel Insurance Combined Financial Services Guide and PDS (effective 11 July 2023) (PDF, 1.35 MB)

• RACQ Travel Insurance Combined Financial Services Guide and PDS (effective 31 May 2023) (PDF, 1.08 MB)

• RACQ Travel Insurance PDS and SPDS (effective 10 August 2022) (PDF, 1.75 MB)

• RACQ Travel Insurance PDS and SPDS (effective 1 March 2022) (PDF, 797KB)

• RACQ Travel Insurance PDS (effective 15 Aug 2017) (PDF, 859KB)

• RACQ Travel Insurance PDS (effective 22 Nov 2018) (PDF, 624KB)

• RACQ Travel Insurance SPDS (effective 4 July 2019) (PDF, 28KB)

• RACQ Travel Insurance PDS (effective 29 May 2020) and SPDS (effective 5 April 2021) (PDF, 554KB)

TMD

• RACQ Domestic, International and Annual Multi Trip TMD (effective 11 July 2023) (PDF, 276.7 KB)

• RACQ Domestic, International and Annual Multi Trip TMD (effective 31 May 2023) (PDF, 274.42 KB)

• RACQ Domestic, Annual MT and International TMD (effective September 2022) (PDF, 235.5 KB)

• RACQ Domestic Travel Policy TMD (effective 5 October 2021) (PDF, 89.84 KB)

• RACQ Annual Multi Trip Policy TMD (effective 5 October 2021) (PDF, 88.92 KB)

• RACQ International Single Trip Policy TMD (effective 5 October 2021) (PDF, 102.95 KB)

 

Back to current PDS and SPDS