RACV Home Insurance policy documents

Buildings, Contents, Combined, and Renters Insurance

RACV Home Insurance Product Disclosure Statement and Policy Booklet – June 2023 (PDF, 512 KB)
For policies with a start date from 22 March 2023 - 10 October 2023 or with a renewal effective date from 24 April 2023 - 12 November 2023. For Renters Insurance, sections referring to contents cover apply.

Landlord Insurance

RACV Landlord Insurance Product Disclosure Statement and Policy Booklet – June 2023 (PDF, 381 KB)
For policies with a start date from 22 March 2023 - 10 October 2023 or with a renewal effective date from 24 April 2023 - 12 November 2023.

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

Buildings, Contents, Combined, and Renters Insurance

RACV Home Insurance Premium, Excess and Discounts Guide – September 2022 (PDF, 63 KB)
For policies with a start date from 16 August 2022 - 21 February 2023 or with a renewal effective date from 19 September 2022 - 27 March 2023.

Landlord Insurance

RACV Landlord Insurance Premium, Excess and Discounts Guide – February 2023 (PDF, 64 KB)
For policies with a start date from 22 February 2023 - 9 December 2025 or with a renewal effective date from 27 March 2023 - 24 January 2026.

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

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.

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

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.

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.

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.