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Flood, Storm surge and Rainwater run-off cover

1800 675 958

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Understanding the changes to your policy

We want to share some important information about changes to Flood, Rainwater run-off or Storm surge cover under RACV Home Insurance policies.

These changes may mean that you may no longer be eligible to remove Flood, Rainwater run-off or Storm surge cover from your policy.

To determine if this has affected you, please refer to your RACV Home Insurance Renewal document or call us on 1800 675 958, available Monday - Friday, between 9 AM - 5 PM.

In deciding whether this cover is appropriate for you, you should review the relevant changes to your policy contained in your policy schedule and the Product Disclosure Statement.

Contact us

If you have questions, give us a call to speak with our team between 9am - 5pm, Monday - Friday.

If you prefer, you can visit your nearest RACV store to review your policy in person or login to your online account. 

Frequently asked questions

Flood related claims can often be expensive and unpredictable, resulting in devastating losses for those in the community impacted by a flood event. With severe weather events increasing in frequency and flood events becoming more common, we aim to increase the number of customers who have access to flood cover.

Flood waters can cause extensive damage to homes including floors, walls, cabinetry, electrical wiring, and air conditioner units. Flooding can sometimes cause structural damage which often necessitate significant repairs.

Recent data shows from the past few years, RACV Insurance flood claims average over $65,000.

Various sources of information applicable to your property, which may include local or state government studies, expert reports, and the underwriter’s own data, are considered in determining your premium.

Learn more about how premium prices are calculated and what you can do to help reduce your premium.

Should you wish to make any adjustments to your policy or seek further information, we kindly refer you to our dedicated team on 1800 675 958, available Monday - Friday, between 9 AM - 5 PM.

Should you wish to make any adjustments to your policy or seek further information, please contact our dedicated team on 1800 675 958, available Monday - Friday, between 9 AM - 5 PM.

Should you wish to make any adjustments to your policy or seek further information, please contact our dedicated team on 1800 675 958, available Monday - Friday, between 9 AM - 5 PM.

Guides and support

Tips and advice for severe weather

The information provided is general advice only. 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 distributor, RACV Insurance Services Pty Ltd AFS Licence No. 230039 receives commission for each policy sold or renewed. Product(s) issued by Insurance Manufacturers of Australia Pty Ltd ABN 93 004 208 084 AFS Licence No. 227678.