RACV Travel Insurance policy documents

Documents to help you understand your RACV Travel Insurance policy.

Previous documents

RACV Travel Insurance Combined Financial Services Guide and Product Disclosure Statement – November 2021 (PDF, 496 KB)
For policies with a start date from 17 November 2021 - 28 February 2022.

RACV Travel Insurance Combined Financial Services Guide and Product Disclosure Statement – October 2021 (PDF, 540 KB)
For policies with a start date from 5 October 2021 - 16 November 2021.

RACV Travel Insurance Combined Financial Services Guide and Product Disclosure Statement – April 2021 (PDF, 387 KB)
For policies with a start date from 5 April 2021 - 4 October 2021.

RACV Travel Insurance Combined Financial Services Guide and Product Disclosure Statement – March 2021 (PDF, 382 KB)
For policies with a start date from 11 March 2020 - 4 April 2021.

RACV Travel Insurance Combined Financial Services Guide and Product Disclosure Statement – September 2019 (PDF, 464 KB)
For policies with a start date from 30 September 2019 - 10 March 2020.

Target Market Determination for RACV Travel Insurance International Single Trip (PDF, 175 KB)

Target Market Determination for RACV Travel Insurance Domestic (PDF, 167 KB)

Target Market Determination for RACV Travel Insurance Annual Multi Trip (PDF, 164 KB)

Policy on developing and distributing retail insurance products

The issuer of RACV Travel Insurance products, Tokio Marine & Nichido Fire Insurance Co., Ltd aims to develop and distribute travel insurance that is suitable for its customers in a more targeted way. Target Market Determinations (TMDs) will be published from 5 October 2021 to outline the intended class of customers that comprise the target market for the travel insurance products along with matters relevant to the distribution and review of these products.

Read the Tokio Marine & Nichido Fire Insurance Co., Ltd Policy (PDF, 203 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.

  • Financial Services Guide (FSG)

    Explains what insurance products are available and who provides them, so you can decide whether or not to use our services.

  • Target Market Determination (TMD)

    A Target Market Determination is a document which describes the intended class of customers the product is appropriate for (target market), and outlines ways the product can be distributed to customers. It also describes the circumstances where the Target Market Determination may need to be reviewed.

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. RACV Travel Insurance issued by Tokio Marine & Nichido Fire Insurance Co., Ltd ABN 80 000 438 291 AFSL 246 548. Terms & conditions apply, refer to the PDS. Royal Automobile Club of Victoria (RACV) Ltd AR 001243563 is an authorised representative of the issuer and receives commission for each policy sold or renewed.