A document sent to you after you purchase your insurance policy. It outlines details of your cover, such as the policy number, when it takes effect, when it expires, limits and the price of your premium.
RACV Business Insurance policy documents
Documents to help you understand your insurance policy
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Product Disclosure Statements (PDS) and Policy Documents
Business Insurance
RACV Business Insurance Product Disclosure Statement and Policy Booklet – March 2024 (PDF, 1.1 MB)
For policies with a start date from 1 March 2024 or renewal effective date from 6 April 2024.
RACV Professional Indemnity Insurance Policy - December 2023 (PDF, 553 KB)
For policies with a start date from 8 December 2023 or renewal effective date from 13 January 2024.
RACV Information and Communication Technology Liability Insurance Policy - December 2023 (PDF, 498 KB)
For policies with a start date from 8 December 2023 or renewal effective date from 13 January 2024.
Farm Insurance
RACV Farm Insurance Supplementary Product Disclosure Statement and Policy Booklet – June 2023 (PDF, 1.2 MB)
For policies with a start date from 2 June 2023 or renewal effective date from 8 July 2023.
Motor Trade Insurance
RACV Motor Trade Insurance Supplementary Product Disclosure Statement and Policy Booklet – June 2023 (PDF, 1.2 MB)
For policies with a start date from 2 June 2023 or renewal effective date from 8 July 2023.
EasyBiz Insurance Retail, Professional, Hospitality
RACV EasyBiz Business Insurance Supplementary Product Disclosure Statement 1.6 – October 2020 (PDF, 1,543 KB)
For policies with a start date or renewal effective date from 17 October 2020.
RACV EasyBiz Insurance Retail, Professional, Hospitality Policy Booklet – June 2019 (PDF, 476 KB)
For policies with a start date or renewal effective date from 30 June 2019.
EasyBiz Insurance Tradesperson
EasyBiz Insurance Tradesperson Product Disclosure Statement and Policy Booklet – December 2018 (PDF, 693 KB)
For policies with a start date or renewal effective date from 1 December 2018.
RACV EasyBiz Tradesperson Business Insurance Supplementary Product Disclosure Statement – December 2018 (PDF, 28 KB)
For policies with a start date or renewal effective date from 1 December 2018.
EasyBiz@home Business Insurance
RACV EasyBiz@home Business Insurance Product Disclosure Statement and Policy Booklet – December 2018 (PDF, 709 KB)
For policies with a start date or renewal effective date from 1 December 2018.
RACV EasyBiz@home Business Insurance Supplementary Product Disclosure Statement – December 2018 (PDF, 28 KB)
For policies with a start date or renewal effective date from 1 December 2018.
EasyFarm Insurance
RACV EasyFarm Insurance Product Disclosure Statement and Policy Booklet – December 2018 (PDF, 899 KB)
For policies with a renewal effective date from 1 December 2018.
RACV EasyFarm Business Insurance Supplementary Product Disclosure Statement – December 2018 (PDF, 26 KB)
For policies with a start date or renewal effective date from 1 December 2018.
Business Insurance
RACV Business Insurance Product Disclosure Statement and Policy Booklet – June 2023 (PDF, 1.1 MB)
For policies with a start date from 2 June 2023 - 29 February 2024 or with a renewal effective date from 8 July 2023 - 5 April 2024.
RACV Business Insurance Product Disclosure Statement and Policy Booklet – September 2022 (PDF, 1,046 KB)
For policies with a start date from 24 October 2022 - 2 June 2023 or with a renewal effective date from 24 October 2022 - 8 July 2023.
RACV Business Insurance Product Disclosure Statement and Policy Booklet – October 2021 (PDF, 1,566 KB)
For policies with a start date from 8 October 2021 - 23 October 2022 or with a renewal effective date from 13 November 2021 - 23 October 2022.
RACV Business Insurance Product Disclosure Statement and Policy Booklet – May 2021 (PDF, 1,159 KB)
For policies with a start date from 30 May 2021 - 7 October 2021 or with a renewal effective date from 30 May 2021 - 12 November 2021.
RACV Business Insurance Supplementary Product Disclosure Statement (SPDS Edition 1) – May 2021 (PDF, 128 KB)
For policies with a start date from 30 May 2021 - 7 October 2021 or with a renewal effective date from 30 May 2021 - 12 November 2021.
RACV Business Insurance Product Disclosure Statement and Policy Booklet – March 2021 (PDF, 1,032 KB)
For policies with a start date or renewal effective date from 31 March 2021 - 29 May 2021.
RACV Business Insurance Product Disclosure Statement and Policy Booklet – September 2020 (PDF, 943 KB)
For policies with a start date or renewal effective date from 6 September 2020 - 29 May 2021.
RACV Professional Indemnity Insurance Policy - September 2022 (PDF, 512 KB)
For policies with a start date or renewal effective date from 23 October 2022 - 7 December 2023.
RACV Professional Indemnity Insurance Policy - May 2021 (PDF, 680 KB)
For policies with a start date or renewal effective date from 30 May 2021 - 23 October 2022.
RACV Professional Indemnity Insurance Policy - June 2019 (PDF, 31,186 KB)
For policies with a start date or renewal effective date from 30 June 2019 - 29 May 2021.
RACV Information and Communication Technology Liability Insurance Policy - September 2022 (PDF, 994 KB)
For policies with a start date or renewal effective date from 24 October 2022 - 7 December 2023.
RACV Information and Communication Technology Liability Insurance Policy - May 2021 (PDF, 512 KB)
For policies with a start date or renewal effective date from 30 May 2021 - 23 October 2022.
RACV Information and Communication Technology Liability Insurance Policy - June 2019 (PDF, 453 KB)
For policies with a start date or renewal effective date from 30 June 2019 - 29 May 2021.
Farm Insurance
RACV Farm Insurance Product Disclosure Statement and Policy Booklet – August 2022 (PDF, 1,200 KB)
For policies with a start date from 3 August 2022 - 2 June 2023 or with a renewal effective date from 5 September 2022 - 8 July 2023.
RACV Farm Insurance Product Disclosure Statement and Policy Booklet – October 2021 (PDF, 1,239 KB)
For policies with a start date from 8 October 2021 - 2 August 2022 or with a renewal effective date from 12 November 2021 - 3 September 2022.
RACV Farm Insurance Product Disclosure Statement and Policy Booklet – July 2021 (PDF, 1,239 KB)
For policies with a start date from 8 July 2021 - 7 October 2021 or with a renewal effective date from 8 July 2021 - 12 November 2021.
RACV Farm Insurance No Claim Bonus Information (PDF, 96 KB)
For policies with a start date or renewal effective date from 1 July 2021 - 7 July 2021.
RACV Farm Insurance Product Disclosure Statement and Policy Booklet – May 2021 (PDF, 20,361 KB)
For policies with a start date or renewal effective date from 30 May 2021 - 7 July 2021.
RACV Farm Insurance Supplementary Product Disclosure Statement 1.1 – October 2020 (PDF, 1,541 KB)
For policies with a start date or renewal effective date from 17 October 2020 - 29 May 2021.
RACV Farm Insurance Product Disclosure Statement and Policy Booklet – December 2018 (PDF, 1,042 KB)
For policies with a start date or renewal effective date from 1 December 2018 - 29 May 2021.
Motor Trade Insurance
RACV Motor Trade Insurance Product Disclosure Statement and Policy Booklet – September 2022 (PDF, 1,165 KB)
For policies with a start date from 24 October 2022 - 2 June 2023 or with a renewal effective date from 24 October 2022 - 8 July 2023.
RACV Motor Trade Insurance Product Disclosure Statement and Policy Booklet – October 2021 (PDF, 2,414 KB)
For policies with a start date from 8 October 2021 - 23 October 2022 or with a renewal effective date from 13 November 2021 - 23 October 2022.
RACV Motor Trade Insurance Product Disclosure Statement and Policy Booklet – April 2021 (PDF, 1,579 KB)
For policies with a start date from 9 April 2021 - 7 October 2021 or with a renewal effective date from 9 April 2021 - 12 November 2021.
RACV Motor Trade Insurance Product Disclosure Statement and Policy Booklet – November 2018 (PDF, 986 KB)
For policies with a start date or renewal effective date from 1 November 2018 - 8 April 2021.
Key Fact Sheets (KFS)
Farm Insurance
RACV Farm Insurance Home Building Key Facts Sheet (PDF, 184 KB)
RACV Farm Insurance Home Contents Key Facts Sheet (PDF, 182 KB)
EasyFarm Insurance
RACV EasyFarm Insurance Home Building Key Facts Sheet (PDF, 180 KB)
RACV EasyFarm Insurance Home Contents Key Facts Sheet (PDF, 180 KB)
Motor Trade Insurance
RACV Motor Trade Insurance Home Building Key Facts Sheet (PDF, 235 KB)
RACV Motor Trade Insurance Home Contents Key Facts Sheet (PDF, 180 KB)
Target Market Determinations (TMD)
Business Insurance
Target Market Determination for Business Insurance (PDF, 48 KB)
Farm Insurance
Target Market Determination for Farm Insurance (PDF, 82 KB)
Motor Trade Insurance
Target Market Determination for Motor Trade Insurance (PDF, 68 KB)
How RACV Insurance is designed
Policy on developing and distributing retail insurance products
The issuer of RACV Commercial Insurance products, Insurance Australia Limited, aims to develop, and we aim to distribute, retail insurance that meets our customers’ likely needs, objectives and financial situations.
Key terms
A document that explains key features, benefits and risks with your insurance policy and the terms and conditions of your cover, such as inclusions and exclusions. It should be read alongside your Certificate of Insurance.
Provides you with a quick snapshot of what is and isn’t covered. It’s not a complete statement of your cover, so it should be read alongside the PDS and your Certificate of Insurance.
A TMD helps you understand the types of people (called the ‘class of customers’) our insurance policies are designed for, considering their needs, objectives, and financial situations.
The information provided is general advice only and does not take into account your personal circumstances. Before making any decisions please consider your own circumstances and the Product Disclosure Statement and Target Market Determinations. For copies, visit racv.com.au. As a referrer, RACV Insurance Services Pty Ltd AFS Licence No. 230039 receives commission for each policy sold or renewed. Product(s) issued by Insurance Australia Ltd, ABN 11 000 016 722, AFS Licence No. 227681.