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.
RACV Motor Insurance policy documents
Documents to help you understand your insurance policy
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Product Disclosure Statements (PDS)
Complete Care® Motor Insurance
RACV Complete Care® Motor Insurance Product Disclosure Statement and Policy Booklet - October 2023 (PDF, 370 KB)
For policies with a start date from 11 October 2023 or with a renewal effective date from 13 November 2023.
Comprehensive, Third Party, and Motorcycle Insurance
RACV Motor Insurance Product Disclosure Statement and Policy Booklet - October 2023 (PDF, 368 KB)
For policies with a start date from 11 October 2023 or with a renewal effective date from 13 November 2023.
Caravan and Trailer Insurance
RACV Caravan and Trailer Insurance Product Disclosure Statement and Policy Booklet - October 2023 (PDF, 504 KB)
For policies with a start date from 11 October 2023 or with a renewal effective date from 13 November 2023.
Veteran, Vintage and Classic Vehicle Insurance
RACV Veteran, Vintage and Classic Insurance Product Disclosure Statement and Policy Booklet - October 2023 (PDF, 522 KB)
For policies with a start date from 11 October 2023 or with a renewal effective date from 13 November 2023.
Boat Insurance
RACV Boat Insurance Product Disclosure Statement and Policy Booklet - October 2023 (PDF, 364 KB)
For policies with a start date from 11 October 2023 or with a renewal effective date from 13 November 2023.
Complete Care® Motor Insurance
RACV Complete Care® Motor Insurance Product Disclosure Statement and Policy Booklet - March 2023 (PDF, 395 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.
RACV Complete Care® Motor Insurance Product Disclosure Statement and Policy Booklet - August 2022 (PDF, 340 KB)
For policies with a start date from 3 August 2022 - 21 March 2023 or with a renewal effective date from 5 September 2022 - 23 April 2023.
RACV Complete Care® Motor Insurance Product Disclosure Statement and Policy Booklet - July 2021 (PDF, 231 KB)
For policies with a start date from 15 July 2021 - 2 August 2022 or with a renewal effective date from 16 August 2021 - 4 September 2022.
RACV Complete Care® Motor Insurance Product Disclosure Statement and Policy Booklet - February 2021 (PDF, 322 KB)
For policies with a start date from 28 February 2021 - 14 July 2021 or with a renewal effective date from 5 April 2021 - 15 August 2021.
RACV Complete Care® Motor Insurance Product Disclosure Statement and Policy Booklet - May 2019 (PDF, 473 KB)
For policies with a start date from 19 May 2019 - 27 February 2021 or with a renewal effective date from 29 June 2019 - 4 April 2021.
Comprehensive, Third Party, and Motorcycle Insurance
RACV Motor Insurance Product Disclosure Statement and Policy Booklet - March 2023 (PDF, 330 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.
RACV Motor Insurance Product Disclosure Statement and Policy Booklet - August 2022 (PDF, 276 KB)
For policies with a start date from 3 August 2022 - 21 March 2023 or with a renewal effective date from 5 September 2022 - 23 April 2023.
RACV Motor Insurance Product Disclosure Statement and Policy Booklet - July 2021 (PDF, 407 KB)
For policies with a start date from 15 July 2021 - 2 August 2022 or with a renewal effective date from 16 August 2021 - 4 September 2022.
RACV Motor Insurance Product Disclosure Statement and Policy Booklet - February 2021 (PDF, 376 KB)
For policies with a start date from 28 February 2021 - 14 July 2021 or with a renewal effective date from 5 April 2021 - 15 August 2021.
RACV Motor Insurance Product Disclosure Statement and Policy Booklet - May 2019 (PDF, 565 KB)
For policies with a start date from 19 May 2019 - 27 February 2021 or with a renewal effective date from 29 June 2019 - 4 April 2021.
Caravan and Trailer Insurance
RACV Caravan and Trailer Insurance Product Disclosure Statement and Policy Booklet - August 2022 (PDF, 442 KB)
For policies with a start date from 3 August 2022 - 10 October 2023 or with a renewal effective date from 5 September 2022 - 12 November 2023.
RACV Caravan and Trailer Insurance Product Disclosure Statement and Policy Booklet - July 2021 (PDF, 272 KB)
For policies with a start date from 15 July 2021 - 2 August 2022 or with a renewal effective date from 16 August 2021 - 4 September 2022.
RACV Caravan and Trailer Insurance Product Disclosure Statement and Policy Booklet - February 2021 (PDF, 411 KB)
For policies with a start date from 28 February 2021 - 14 July 2021 or with a renewal effective date from 5 April 2021 - 15 August 2021.
RACV Caravan and Trailer Insurance Product Disclosure Statement and Policy Booklet - May 2019 (PDF, 788 KB)
For policies with a start date from 19 May 2019 - 27 February 2021 or with a renewal effective date from 30 June 2019 - 4 April 2021.
Veteran, Vintage and Classic Vehicle Insurance
RACV Veteran, Vintage and Classic Insurance Product Disclosure Statement and Policy Booklet - August 2022 (PDF, 315 KB)
For policies with a start date from 3 August 2022 - 10 October 2023 or with a renewal effective date from 5 September 2022 - 12 November 2023.
RACV Veteran, Vintage and Classic Insurance Product Disclosure Statement and Policy Booklet - July 2021 (PDF, 344 KB)
For policies with a start date from 15 July 2021 - 2 August 2022 or with a renewal effective date from 16 August 2021 - 4 September 2022.
RACV Veteran, Vintage and Classic Vehicle Insurance Product Disclosure Statement and Policy Booklet - February 2021 (PDF, 460 KB)
For policies with a start date from 28 February 2021 - 14 July 2021 or with a renewal effective date from 5 April 2021 - 15 August 2021.
RACV Veteran, Vintage and Classic Vehicle Insurance Product Disclosure Statement and Policy Booklet - May 2019 (PDF, 491 KB)
For policies with a start date from 19 May 2019 - 27 February 2021 or with a renewal effective date from 30 June 2019 - 4 April 2021.
Boat Insurance
RACV Boat Insurance Product Disclosure Statement and Policy Booklet - August 2022 (PDF, 308 KB)
For policies with a start date from 3 August 2022 - 10 October 2023 or with a renewal effective date from 5 September 2022 - 12 November 2023.
RACV Boat Insurance Product Disclosure Statement and Policy Booklet - July 2021 (PDF, 329 KB)
For policies with a start date from 15 July 2021 - 2 August 2022 or with a renewal effective date from 16 August 2021 - 4 September 2022.
RACV Boat Insurance Product Disclosure Statement and Policy Booklet - February 2021 (PDF, 7,889 KB)
For policies with a start date from 28 February 2021 - 14 July 2021 or with a renewal effective date from 5 April 2021 - 15 August 2021.
RACV Boat Insurance Product Disclosure Statement and Policy Booklet - May 2019 (PDF, 483 KB)
For policies with a start date from 19 May 2019 - 27 February 2021 or with a renewal effective date from 30 June 2019 - 4 April 2021.
Premium, Excess and Discounts (PED) Guides
Complete Care®, Comprehensive, Third Party, and Motorcycle Insurance
RACV Motor Insurance Premium, Excess and Discounts Guide - April 2024 (PDF, 120 KB)
For policies with a start date from 1 April 2024 or with a renewal effective date from 1 April 2024.
Caravan and Trailer Insurance
RACV Caravan and Trailer Insurance Premium, Excess, Discounts Guide - February 2023 (PDF, 77 KB)
For policies with a start date from 22 February 2023 or with a renewal effective date from 27 March 2023.
Veteran, Vintage and Classic Vehicle Insurance
RACV Veteran, Vintage and Classic (VVC) Vehicle Insurance Premium, Excess and Discounts Guide - April 2024 (PDF, 191 KB)
For policies with a start date from 1 April 2024 or with a renewal effective date from 1 April 2024.
Boat Insurance
RACV Boat Insurance Premium, Excess, Discounts Guide - June 2023 (PDF, 81 KB)
For policies with a start date from 7 June 2023 or with a renewal effective date from 10 July 2023.
Complete Care®, Comprehensive, Third Party, and Motorcycle Insurance
RACV Motor Insurance Premium, Excess and Discounts Guide - January 2024 (PDF, 120 KB)
For policies with a start date from 23 January 2024 - 31 March 2024 or with a renewal effective date from 23 January 2024 - 31 March 2024.
RACV Motor Insurance Premium, Excess and Discounts Guide - July 2023 (PDF, 110 KB)
For policies with a start date from 20 July 2023 - 22 January 2024 or with a renewal effective date from 28 August 2023 - 22 January 2024.
RACV Motor Insurance Premium, Excess and Discounts Guide - February 2023 (PDF, 100 KB)
For policies with a start date from 22 February 2023 - 19 July 2023 or with a renewal effective date from 27 March 2023 - 27 August 2023.
RACV Motor Insurance Premium, Excess and Discounts Guide - October 2021 (PDF, 214 KB)
For policies with a start date from 28 October 2021 - 21 February 2023 or with a renewal effective date from 30 November 2021 - 27 March 2023.
RACV Motor Insurance Premium, Excess and Discounts Guide - June 2021 (PDF, 98 KB)
For policies with a start date from 7 June 2021 - 27 October 2021 or with a renewal effective date from 12 July 2021 - 29 November 2021.
RACV Motor Insurance Premium, Excess and Discounts Guide - July 2020 (PDF, 45 KB)
For policies with a start date from 7 July 2020 - 6 June 2021 or with a renewal effective date from 10 August 2020 - 11 July 2021.
Caravan and Trailer Insurance
RACV Caravan and Trailer Insurance Premium, Excess, Discounts Guide - September 2022 (PDF, 68 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.
RACV Caravan and Trailer Insurance Premium, Excess, Discounts Guide - August 2022 (PDF, 65 KB)
For policies with a start date from 3 August 2022 - 15 August 2022 or with a renewal effective date from 5 September 2022 - 18 September 2022.
RACV Caravan and Trailer Insurance Premium, Excess, Discounts and Aussie Assist Benefits Guide - October 2021 (PDF, 115 KB)
For policies with a start date from 28 October 2021 - 2 August 2022 or with a renewal effective date from 30 November 2021 - 4 September 2022.
RACV Caravan and Trailer Insurance Premium, Excess, Discounts and Aussie Assist Benefits Guide - June 2021 (PDF, 98 KB)
For policies with a start date from 7 June 2021 - 27 October 2021 or with a renewal effective date from 12 July 2021 - 29 November 2021.
RACV Caravan and Trailer Insurance Premium, Excess, Discounts and Aussie Assist Benefits Guide - October 2020 (PDF, 1,233 KB)
For policies with a start date from 13 October 2020 - 6 June 2021 or with a renewal effective date from 28 October 2020 - 11 July 2021.
RACV Caravan and Trailer Insurance Premium, Excess, Discounts and Aussie Assist Benefits Guide - May 2019 (PDF, 85 KB)
For policies with a start date from 19 May 2019 - 12 October 2020 or with a renewal effective date from 30 June 2019 - 27 October 2020.
Veteran, Vintage and Classic Vehicle Insurance
RACV Veteran, Vintage and Classic (VVC) Vehicle Insurance Premium, Excess and Discounts Guide - August 2023 (PDF, 191 KB)
For policies with a start date from 2 August 2023 - 31 March 2024 or with a renewal effective date from 4 September 2023 - 31 March 2024.
RACV Veteran, Vintage and Classic (VVC) Vehicle Insurance Premium, Excess and Discounts Guide - February 2023 (PDF, 185 KB)
For policies with a start date from 22 February 2023 - 1 August 2023 or with a renewal effective date from 28 March 2023 - 3 September 2023.
RACV Veteran, Vintage and Classic (VVC) Vehicle Insurance Premium, Excess and Discounts Guide - October 2021 (PDF, 62 KB)
For policies with a start date from 28 October 2021 - 21 February 2023 or with a renewal effective date from 30 November 2021 - 27 March 2023.
RACV Veteran, Vintage and Classic (VVC) Vehicle Insurance Premium, Excess and Discounts Guide - June 2021 (PDF, 82 KB)
For policies with a start date from 7 June 2021 - 27 October 2021 or with a renewal effective date from 12 July 2021 - 29 November 2021.
RACV Veteran, Vintage and Classic (VVC) Vehicle Insurance Premium, Excess and Discounts Guide - October 2020 (PDF, 749 KB)
For policies with a start date from 13 October 2020 - 6 June 2021 or with a renewal effective date from 28 October 2020 - 11 July 2021.
RACV Veteran, Vintage and Classic (VVC) Vehicle Insurance Premium, Excess and Discounts Guide - May 2019 (PDF, 71 KB)
For policies with a start date from 19 May 2019 - 12 October 2020 or with a renewal effective date from 30 June 2019 - 27 October 2020.
Boat Insurance
RACV Boat Insurance Premium, Excess, Discounts Guide - February 2023 (PDF, 80 KB)
For policies with a start date from 22 February 2023 - 6 June 2023 or with a renewal effective date from 27 March 2023 - 10 July 2023.
RACV Boat Insurance Premium, Excess, Discounts Guide - September 2022 (PDF, 65 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.
RACV Boat Insurance Premium, Excess, Discounts Guide - August 2022 (PDF, 60 KB)
For policies with a start date from 3 August 2022 - 15 August 2022 or with a renewal effective date from 5 September 2022 - 18 September 2022.
RACV Boat Insurance Premium, Excess, Discounts and Aussie Assist Benefits Guide - October 2021 (PDF, 66 KB)
For policies with a start date from 28 October 2021 - 2 August 2022 or with a renewal effective date from 30 November 2021 - 4 September 2022.
RACV Boat Insurance Premium, Excess, Discounts and Aussie Assist Benefits Guide - June 2021 (PDF, 79 KB)
For policies with a start date from 7 June 2021 - 27 October 2021 or with a renewal effective date from 12 July 2021 - 29 November 2021.
RACV Boat Insurance Premium, Excess, Discounts and Aussie Assist Benefits Guide - October 2020 (PDF, 883 KB)
For policies with a start date from 13 October 2020 - 6 June 2021 or with a renewal effective date from 28 October 2020 - 11 July 2021.
RACV Boat Insurance Premium, Excess, Discounts and Aussie Assist Benefits Guide - August 2018 (PDF, 71 KB)
For policies with a start date from 24 August 2018 - 12 October 2020 or with a renewal effective date from 1 October 2018 - 27 October 2020.
Target Market Determinations (TMD)
Complete Care®, Comprehensive, Third Party, and Motorcycle Insurance
Target Market Determination for Motor Vehicle Insurance cover (PDF, 45 KB)
Caravan and Trailer Insurance
Target Market Determination for Caravan and Trailer Insurance cover (PDF, 42 KB)
Veteran, Vintage and Classic Vehicle Insurance
Target Market Determination for Veteran, Vintage and Classic Vehicle Insurance cover (PDF, 40 KB)
Boat Insurance
Target Market Determination for Boat Insurance cover (PDF, 41 KB)
Product brochures
Complete Care® Car Insurance
Document currently unavailable. Please check back soon.
Comprehensive, Third Party, and Motorcycle Insurance
RACV Motor Insurance product brochure (PDF, 165 KB)
Caravan and Trailer Insurance
RACV Caravan and Trailer product brochure (PDF, 207 KB)
Veteran, Vintage and Classic Vehicle Insurance
RACV Veteran, Vintage and Classic Vehicle Insurance product brochure (PDF, 145 KB)
Boat Insurance
RACV Financial Services Guide (FSG)
How RACV Insurance is designed
Policy on developing and distributing retail insurance products
The issuer of RACV Buildings, Contents, Combined Home Buildings and Contents, Landlord and Renters Insurance products, Insurance Manufacturers of Australia Pty Ltd (IMA), aims to develop, and we aim to distribute, retail insurance that meets our customers’ likely needs, objectives and financial situations.
Key terms
A legal document with 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, what excesses apply (basic, accidental damage and special) and benefits. 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.
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.
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.