Take out any eligible RACV Renters Insurance policy before Sunday 27 October 2019 for your chance to win $100,000 cash.*

Take out any eligible RACV Renters Insurance policy before Sunday 27 October 2019 for your chance to win $100,000 cash.*

What you're covered for

With an RACV Renters Insurance policy, you'll be covered for a range of events, such as fire, theft and storm. Here's a summary of what's included:

  • Temporary accommodation if you can’t live in your rental as a result of damage by an insured event. This also includes temporary accommodation for your pet, the removal and storage of your contents, and for any costs we agree are reasonable and appropriate.
  • Up to $20 million in liability cover to handle a claim made against you or your family for an incident taking place at your home or site which causes death or injury to someone else or loss or damage to someone else's property.   
  • Spoiled food and prescription medication replacement costs up to $500 if an insured event interrupts the electricity supply to your fridge or freezer. 
  • New for old cover if an insured item is stolen, damaged or destroyed by any event listed in your policy.

This is only a summary of the inclusions for RACV Renters Insurance. For more information, such as conditions, limits and exclusions, please read the Product Disclosure Statement.

Optional extras

Looking for a little extra protection? You can boost your cover by adding options to your policy. If you do this, you’ll need to pay extra. 

Accidental damage for contents inside the home
Prone to a lot of ‘oops!’ moments? Get cover for unintentional damage to your General contents or Valuable items. It covers things like accidentally knocking over your TV. 

Valuable items inside the home
The standard policy provides cover for $2,500 under each category (for example, works of art and jewellery and watches). You can increase your level of cover for any of these categories by letting us know what amount above $2,500 you’d like to insure your valuables for.

Portable items anywhere in Australia and New Zealand
Insure items you or your family might take with you when you leave your home, such as phones or laptops. Covered up to $10,000 (unless you list it separately for more). If you take your items outside Australia or New Zealand, the most we pay is $10,000 for all items.

What's not covered

These are a few examples of things not covered by RACV Renters Insurance. Make sure you check the Product Disclosure Statement for a full list of conditions, limits and exclusions.

  • Loose or unset gemstones
  • Plants, trees or shrubs growing in the ground (however potted plants are covered)
  • Buildings and fixtures such as light fittings and kitchen cupboards. Includes garage, fences and in-ground pools
  • Trailers, caravans, motor vehicles, golf buggies or carts 
  • Stock used in any business trade or profession.

Ways you can save with RACV

Useful links

Policy documents

RACV Home Insurance Product Disclosure Statements

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.

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 policies with a start date on or after 19 May 2019 and renewal policies with a start date on or after 30 June 2019.

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.

Download

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.

Download

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.

Download

RACV Landlord Insurance Premium, Excess, Discounts and Benefits Guides

RACV Landlord 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.

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.

Download

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. 

Download

RACV Landlord Insurance Premium, Excess, Discounts and Benefits Guide for policies with a start date on or after 8 December 2017 and renewal policies with a start date on or after 21 January 2018 and new business policies with a start date before  17 June 2018 and renewal policies with a start date before 30 July 2018. 

Download

RACV Landlord Insurance Premium, Excess, Discounts and Benefits Guide 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 8 December 2017 and renewal policies with a start date before 21 January 2018.

Download

^ On existing policies discount takes effect at next renewal. Excludes Travel, Business, Farm, Single Item and Pet Insurance products. 

*Terms and conditions apply. Competition closes at 11:59pm on Sunday 27 October 2019. Draw will take place at Level 9, 485 Bourke Street Melbourne 3000 on Thursday 19 December 2019 at 11:00am. Winner will be published on the RACV website at www.racv.com.au/royalauto on Friday 20 December 2019 and notified by phone and/or in writing. For full terms and conditions, please refer to www.racv.com.au/competitions. Product issued by Insurance Manufacturers of Australia Pty Limited. Please consider the Product Disclosure Statement.

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. 

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