RACV Motor Insurance policy documents

Documents to help you understand your insurance policy.

Current documents

Complete Care® Motor Insurance

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 or with a renewal effective date from 16 August 2021.

Comprehensive, Third Party, and Motorcycle Insurance

RACV Motor Insurance Product Disclosure Statement and Policy Booklet - July 2021 (PDF, 407 KB)
For policies with a start date from 15 July 2021 or with a renewal effective date from 16 August 2021.

Caravan and Trailer Insurance

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 or with a renewal effective date from 16 August 2021.

Veteran, Vintage and Classic Vehicle Insurance

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 or with a renewal effective date from 16 August 2021.

Boat Insurance

RACV Boat Insurance Product Disclosure Statement and Policy Booklet - July 2021 (PDF, 330 KB)
For policies with a start date from 15 July 2021 or with a renewal effective date from 16 August 2021.

Previous documents

Complete Care® Motor Insurance

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 - 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 - 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 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 - 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.

Current documents

Complete Care®, Comprehensive, Third Party, and Motorcycle Insurance

RACV Motor Insurance Premium, Excess and Discounts Guide - October 2021 (PDF, 214 KB)
For policies with a start date from 28 October 2021 or with a renewal effective date from 30 November 2021.

RACV Motor Insurance Aussie Assist Benefits Guide - May 2019 (PDF, 316 KB)
For policies with a start date from 19 May 2019 or with a renewal effective date from 30 June 2019.

Caravan and Trailer Insurance

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 or with a renewal effective date from 30 November 2021.

Veteran, Vintage and Classic Vehicle Insurance

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 or with a renewal effective date from 30 November 2021.

Boat Insurance

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 or with a renewal effective date from 30 November 2021.

Previous documents

Complete Care®, Comprehensive, Third Party, and Motorcycle Insurance

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 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 - 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 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.

Policy on developing and distributing retail insurance products

The issuer of RACV Motor, VVC, Caravan and Trailer 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.

Read the IMA Policy (PDF, 169 KB)

  • 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 legal document with the terms and conditions of your cover, such as inclusions and exclusions. It should be read alongside your Certificate of Insurance.

  • Premium, Excess and Discounts Guide (PED)

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

  • Aussie Assist Benefits Guide

    Aussie Assist is a 24/7 telephone support service benefit that is included in all RACV Motor Insurance Policies. This guide should be read alongside the PDS.

  • Target Market Determination (TMD)

    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.

  • Financial Services Guide (FSG)

    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. Insurance product(s) issued by Insurance Manufacturers of Australia ABN 93 004 208 084 AFS Licence No. 227678.