Buildings, Contents, and Combined Insurance

RACV Home Insurance Product Disclosure Statements

RACV Home Insurance Product Disclosure Statement and Policy Booklet for policies with a start date on or after 14 June 2020 and renewal policies with a start date on or after 20 July 2020.

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RACV Home Insurance Product Disclosure Statement and Policy Booklet for policies with a start date on or after 19 May 2019 and renewal policies with a start date on or after 30 June 2019 and new business policies with a start date before 14 June 2020 and renewal policies with a start date before 20 July 2020.

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RACV Home Insurance Product Disclosure Statement and Policy Booklet for policies with a start date on or after 18 February 2018 and renewal policies with a start date on or after 2 April 2018 and new business policies with a start date before 19 May 2019 and renewal policies with a start date before 30 June 2019.

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RACV Home Insurance Product Disclosure Statement and Policy Booklet for policies with a start date on or after 20 March 2017 and renewal policies with a start date on or after 1 May 2017 and new business policies with a start date before 18 February 2018 and renewal policies with a start date before 2 April 2018.

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RACV Home Insurance Premium, Excess, Discounts and Benefits Guides

RACV Home Insurance Premium, Excess, Discounts and Benefits Guide for new policies with a start date on or after 7 July 2020 and renewal policies with a start date on or after 10 August 2020.

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RACV Home Insurance Premium, Excess, Discounts and Benefits Guide for new policies with a start date on or after 14 June 2020 and renewal policies with a start date on or after 20 July 2020 and new policies with a start date before 7 July 2020 or renewal policies with a start date before 10 August 2020.

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RACV Home Insurance Premium, Excess, Discounts and Benefits Guide for policies with a start date on or after 19 May 2019 and renewal policies with a start date on or after 30 June 2019 and new business policies with a start date before 14 June 2020 and renewal policies with a start date before 20 July 2020.

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RACV Home Insurance Premium, Excess, Discounts and Benefits Guide for policies with a start date on or after 24 August 2018 and renewal policies with a start date on or after 1 October 2018 and new business policies with a start date before 19 May 2019 and renewal policies with a start date before 30 June 2019.

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RACV Home Insurance Premium, Excess, Discounts and Benefits Guide for policies with a start date on or after 18 February 2018 and renewal policies with a start date on or after 2 April 2018 and new business policies with a start date before 24 August 2018 and renewal policies with a start date on or after 1 October 2018.

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Renters Insurance

Tip: Refer to the sections relating to contents cover for this insurance type.

RACV Home Insurance Product Disclosure Statements

RACV Home Insurance Product Disclosure Statement and Policy Booklet for policies with a start date on or after 14 June 2020 and renewal policies with a start date on or after 20 July 2020.

Download

RACV Home Insurance Product Disclosure Statement and Policy Booklet for policies with a start date on or after 19 May 2019 and renewal policies with a start date on or after 30 June 2019 and new business policies with a start date before 14 June 2020 and renewal policies with a start date before 20 July 2020.

Download

RACV Home Insurance Product Disclosure Statement and Policy Booklet for policies with a start date on or after 18 February 2018 and renewal policies with a start date on or after 2 April 2018 and new business policies with a start date before 19 May 2019 and renewal policies with a start date before 30 June 2019.

Download

RACV Home Insurance Product Disclosure Statement and Policy Booklet for policies with a start date on or after 20 March 2017 and renewal policies with a start date on or after 1 May 2017 and new business policies with a start date before 18 February 2018 and renewal policies with a start date before 2 April 2018.

Download

RACV Home Insurance Premium, Excess, Discounts and Benefits Guides

RACV Home Insurance Premium, Excess, Discounts and Benefits Guide for new policies with a start date on or after 7 July 2020 and renewal policies with a start date on or after 10 August 2020.

Download

RACV Home Insurance Premium, Excess, Discounts and Benefits Guide for new policies with a start date on or after 14 June 2020 and renewal policies with a start date on or after 20 July 2020 and new policies with a start date before 7 July 2020 or renewal policies with a start date before 10 August 2020.

Download

RACV Home Insurance Premium, Excess, Discounts and Benefits Guide for policies with a start date on or after 19 May 2019 and renewal policies with a start date on or after 30 June 2019 and new business policies with a start date before 14 June 2020 and renewal policies with a start date before 20 July 2020.

Download

RACV Home Insurance Premium, Excess, Discounts and Benefits Guide for policies with a start date on or after 24 August 2018 and renewal policies with a start date on or after 1 October 2018 and new business policies with a start date before 19 May 2019 and renewal policies with a start date before 30 June 2019.

Download

RACV Home Insurance Premium, Excess, Discounts and Benefits Guide for policies with a start date on or after 18 February 2018 and renewal policies with a start date on or after 2 April 2018 and new business policies with a start date before 24 August 2018 and renewal policies with a start date on or after 1 October 2018.

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Landlord Insurance

RACV Landlord Insurance Product Disclosure Statements

RACV Landlord Insurance Product Disclosure Statement and Policy Booklet for policies with a start date on or after 19 May 2019 and renewal policies with a start date on or after 30 June 2019.

The included SPDS for Rent default applies to policies commencing on or after 14 June 2020. It does not apply to policies or renewals of policies that first commenced prior to this date.

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RACV Landlord Insurance Product Disclosure Statement and Policy Booklet for policies with a start date on or after 19 May 2019 and renewal policies with a start date on or after 30 June 2019 and new business policies with a start date before 14 June 2020 and renewal policies with a start date before 20 July 2020.

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RACV Landlord Insurance Product Disclosure Statement and Policy Booklet for policies with a start date on or after 17 June 2018 and renewal policies with a start date on or after 30 July 2018 and new business policies with a start date before 19 May 2019 and renewal policies with a start date before 30 June 2019.

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RACV Landlord Insurance Premium, Excess, Discounts and Benefits Guides

RACV Landlord Insurance Premium, Excess, Discounts and Benefits Guide for new policies with a start date on or after 7 July 2020 and renewal policies with a start date on or after 10 August 2020.

Download

RACV Landlord Insurance Premium, Excess, Discounts and Benefits Guide for new policies with a start date before 19 May 2019 or renewal policies with a start date before 30 June 2019 and new policies with a start date before 7 July 2020 and renewal policies with a start date before 10 August 2020.

Download

RACV Landlord Insurance Premium, Excess, Discounts and Benefits Guide for policies with a start date on or after 24 August 2018 and renewal policies with a start date on or after 1 October 2018 and new business policies with a start date before 19 May 2019 and renewal policies with a start date before 30 June 2019.

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RACV Landlord Insurance Premium, Excess, Discounts and Benefits Guide for policies with a start date on or after 17 June 2018 and renewal policies with a start date on or after 30 July 2018. 

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Key Terms

  • Certificate of Insurance

    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.

  • Product Disclosure Statement (PDS)

    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.

  • Key Facts Sheet

    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.

  • Premium, Excess, Discounts & Benefits Guide

    Explains how your premium is calculated, what excesses apply (basic, accidental damage and special) and benefits. It should be read alongside the PDS.

  • Financial Services Guide

    Explains what insurance products are available and who provides them, the financial services we offer, how we’re paid and how we handle complaints so you can decide whether or not to choose RACV Insurance.

RACV Home Insurance products

RACV Home Insurance is issued by Insurance Manufacturers of Australia Pty Limited ABN 93 004 208 084 AFS Licence No. 227678. The information on this website is general advice only so before making any decisions, please consider your own circumstances and the Product Disclosure Statement.

RACV Landlord Insurance is issued by Insurance Manufacturers of Australia Pty Limited ABN 93 004 208 084 AFS Licence No. 227678. Please consider the Product Disclosure Statement before buying. For a copy call 13 RACV (13 7228) or visit racv.com.au.