RACV Landlord Insurance provides a range of benefits that are not covered by standard home buildings and contents insurance policies.
As well as safeguarding your property and contents against damage or loss, RACV Landlord Insurance covers rent default and the associated legal costs, and loss of rent if the property is uninhabitable due to damage. So your rental income is protected, even if the unexpected happens.
There are two types of landlord insurance available
- Landlord Buildings - provides cover for your building's structure.
Landlord Contents - covers those items owned by the landlord available for the tenant's use and used solely for domestic purposes in your rental or investment property. This may occur where a property is let fully or partially furnished and may
include a refrigerator, furniture, TV & stereo and washing machine.
Check our competitive prices on landlord insurance and make the switch today!
Call 13 RACV (13 7228).
discounts & savings
When you have landlord insurance, you may be eligible for our extensive range of discounts and savings. Conditions apply - read the RACV Landlord Insurance Product Disclosure Statement and Policy Booklet, RACV Landlord Insurance Premium, Excess, Discount & Benefits Guide or call 13 RACV (13 7228).
multi policy discount*
By having any home and any vehicle insurance policy with RACV you are eligible for our multi-policy discount.
When you qualify for a multi-policy discount you will receive 10% off every vehicle and every home insurance policy as well as any RACV Boat, Caravan or Landlord Insurance policy.
RACV rewards loyalty*
As a membership organisation, RACV is serious about returning value to members through a range of benefits. One such benefit is the Years of Membership benefit, which applies to Landlord Insurance Policies. The discount is based on the number of years of membership you have with RACV and is applied as follows:
no claim bonus discount*
RACV Insurance rewards claim-free policyholders. For each consecutive claim-free policy year you will receive a 5% discount on renewal of your policy, up to a maximum discount of 25% for five claim-free years of insurance.
50 years and over benefit
If at least one of you is aged 50 years or over, you will receive a greater reduction on your RACV home insurance premium. And you do not need to be retired to receive this benefit.
*Discounts are applied to the base premium in the following steps:
|Step 1||Multi-policy discounts or linked policy discount (LPD applicable if not eligible for MPD)|
|RACV Rewards Loyalty discounts|
|Step 2||No claim bonus discounts|
The base premium may not include the cost of some policy options and does not include, Pay by the month and government charges.
RACV Landlord’s Insurance is issued by Insurance Manufacturers of Australia PTY Limited ABN 93 004 208 084 AFS Licence No. 227678. This is general advice only. Please consider the Product Disclosure Statement before buying. For a copy call 13 RACV (13 7228). If your tenant stops paying rent we’ll pay you up to $5,000, plus up to $5,000 towards associated legal costs. Cover for both theft and malicious damage is up to $10,000. We will deduct from your claim four times the weekly rental amount in addition to any excess that applies. A valid rental agreement is required.
RACV Landlord Insurance Product Disclosure Statements
RACV Landlord Insurance Product Disclosure Statement and Policy Booklet for new business and renewal policies with a start date on or after 17 June 2013
Download PDS (PDF, 371kb)
RACV Landlord Insurance Product Disclosure Statement and Policy Booklet for new business and renewal policies with a start date on or after 9 January 2012 and before 17 June 2013
Download PDS (PDF, 490kb)
RACV Landlord Insurance Premium, Excess, Discounts & Benefits Guide
PDF - RACV Landlord Premium Excess Discount and Benefits Guide for new business policies starting on or after 8 September 2013 or renewal policies starting on or after 14 October 2013
Download PED (PDF, 1.04MB)
PDF - RACV Landlord Premium Excess Discount and Benefits Guide for new business and renewal policies with a start date on or after 1 July 2013 and before 14 October 2013
Download PED (PDF, 1.04MB)
PDF - RACV Landlord Premium Excess Discount and Benefits Guide for new business and renewal policies with a start date on or after 9 January 2012 and before 1 July 2013
Download PED (PDF, 0.99MB)