RACQ Insurance disclosure documents

These documents are current at the time you visit our site. To find the right document for you, please note the start date for all applicable documents.

If you have an existing policy, please check the start date of your policy period to determine which version applies to you. If you are unsure of your existing policy period, you can view a summary of your policy details in My RACQ.

To request a PDS or document not listed here, please call us on 13 1905 or visit an RACQ store. We can also clarify any questions you have about the information on this page.

Need your existing policy documents?
Access your Certificate of Insurance and other policy documents directly from your My RACQ account.

What is each document for?

These documents explain how the insurance policy applies to you.

  • 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.
  • A Supplementary Product Disclosure Statement (SPDS) is used to advise you of any changes to the terms and conditions of the PDS. You must read this in conjunction with the PDS.
  • A Target Market Determination (TMD) explains who the specific insurance may be suitable for, as well as aspects of the policy which may make the insurance unsuitable for some customers.
  • A Key Facts Sheet (KFS) sets out key information about a Household Insurance policy. The information in here will be consistent in other Insurer fact sheets, in order to make it easier for you to compare policies.

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