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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 – August 2025 (PDF, 968 KB)
For policies with a start date or renewal effective date from 23 August 2025.

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 – March 2024 (PDF, 1.1 MB)
For policies with a start date from 1 March 2024 - 22 August 2025 or with a renewal effective date from 6 April 2024 - 22 August 2025.

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 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.

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.

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.

If you wish to access any older versions of policy documents please contact RACV on 13 72 28. 

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.

Read the IAL Policy (PDF, 191 KB)

Key terms

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.

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.