Car insurance

Information for Complete Care® Insurance is covered in these documents.

RACV Complete Care® Motor Insurance Product Disclosure Statement

RACV Complete Care® Motor Insurance Product Disclosure Statement and Policy Booklet for policies with a start date on or after 15 July 2021 and renewal policies with a start date on or after 16 August 2021.

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RACV Complete Care® Motor Insurance Product Disclosure Statement and Policy Booklet for policies with a start date on or after 28 February 2021 and renewal policies with a start date on or after 5 April 2021 and new business policies with a start date before 15 July 2021 and renewal policies with a start date before 16 August 2021.

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RACV Complete Care® Motor 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 29 June 2019 and new business policies with a start date before 28 February 2021 and renewal policies with a start date before 5 April 2021.

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Information for Comprehensive and Third Party Insurance is covered in these documents.

RACV Motor Insurance Product Disclosure Statement

RACV Motor Insurance Product Disclosure Statement and Policy Booklet for policies with a start date on or after 15 July 2021 and renewal policies with a start date on or after 16 August 2021.

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RACV Motor Insurance Product Disclosure Statement and Policy Booklet for policies with a start date on or after 28 February 2021 and renewal policies with a start date on or after 5 April 2021 and new business policies with a start date before 15 July 2021 and renewal policies with a start date before 16 August 2021.

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RACV Motor 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 29 June 2019 and new business policies with a start date before 28 February 2021 and renewal policies with a start date before 5 April 2021.

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RACV Motor Insurance Premium, Excess, Discounts and Benefits Guides

RACV Motor Insurance Premium, Excess, Discounts and Benefits Guide for policies with a start date on or after 7 June 2021 and renewal policies with a start date on or after 12 July 2021.

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RACV Motor Insurance Premium, Excess, Discounts and Benefits Guide for policies with a start date on or after 7 July 2020 and renewal policies with a start date on or after 10 August 2020 and new business policies with a start date before 7 June 2021 and renewal policies with a start date before 12 July 2021.

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RACV Motor 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 and new business policies with a start date before 7 July 2020 and renewal policies with a start date before 10 August 2020.

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RACV Motor Insurance Aussie Assist Benefits Guides

RACV Complete Care® Motor Insurance, RACV Comprehensive Motor Insurance, RACV Third Party Fire and Theft Motor Insurance, RACV Third Party Property Damage Motor Insurance for new business policies with a start date on or after 19 May 2019 and renewal policies with a start date on or after 30 June 2019.

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Target Market Determination

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.

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Caravan & Trailer Insurance

Information for touring, onsite and trailer insurance is covered in these documents.

RACV Caravan & Trailer Insurance Product Disclosure Statements

RACV Caravan & Trailer Insurance Product Disclosure Statement and Policy Booklet for policies with a start date on or after 15 July 2021 and renewal policies with a start date on or after 16 August 2021.

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RACV Caravan & Trailer Insurance Product Disclosure Statement and Policy Booklet for policies with a start date on or after 28 February 2021 and renewal policies with a start date on or after 5 April 2021 and new business policies with a start date before 15 July 2021 and renewal policies with a start date before 16 August 2021.

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RACV Caravan & Trailer 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 and new business policies with a start date before 28 February 2021 and renewal policies with a start date before 5 April 2021.

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RACV Caravan & Trailer Insurance Premium, Excess, Discounts and Aussie Assist Benefits Guides

RACV Caravan & Trailer Insurance Premium, Excess, Discounts and Benefits Guide for policies with a start date on or after 7 June 2021 and renewal policies with a start date on or after 12 July 2021.

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RACV Caravan & Trailer Insurance Premium, Excess, Discounts and Aussie Assist Benefits Guide for policies with a start date on or after 13 October 2020 and renewal policies with a start date on or after 28 October 2020 and new business policies with a start date before 7 June 2021 and renewal policies with a start date before 12 July 2021.

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RACV Caravan & Trailer 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 and new business policies with a start date before 13 October 2020 and renewal policies with a start date before 28 October 2020.

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Target Market Determination

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.

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Motorcycle Insurance

Information for Comprehensive and Third Party Insurance for motorcycles is called out in the relevant sections.

RACV Motor Insurance Product Disclosure Statement

RACV Motor Insurance Product Disclosure Statement and Policy Booklet for policies with a start date on or after 15 July 2021 and renewal policies with a start date on or after 16 August 2021.

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RACV Motor Insurance Product Disclosure Statement and Policy Booklet for policies with a start date on or after 28 February 2021 and renewal policies with a start date on or after 5 April 2021 and new business policies with a start date before 15 July 2021 and renewal policies with a start date before 16 August 2021.

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RACV Motor 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 29 June 2019 and new business policies with a start date before 28 February 2021 and renewal policies with a start date before 5 April 2021.

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RACV Motor Insurance Premium, Excess, Discounts and Benefits Guides

RACV Motor Insurance Premium, Excess, Discounts and Benefits Guide for policies with a start date on or after 7 June 2021 and renewal policies with a start date on or after 12 July 2021.

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RACV Motor Insurance Premium, Excess, Discounts and Benefits Guide for policies with a start date on or after 7 July 2020 and renewal policies with a start date on or after 10 August 2020 and new business policies with a start date before 7 June 2021 and renewal policies with a start date before 12 July 2021.

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RACV Motor 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 and new business policies with a start date before 7 July 2020 and renewal policies with a start date before 10 August 2020.

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RACV Motor Insurance Aussie Assist Benefits Guides

RACV Complete Care® Motor Insurance, RACV Comprehensive Motor Insurance, RACV Third Party Fire and Theft Motor Insurance, RACV Third Party Property Damage Motor Insurance for new business policies with a start date on or after 19 May 2019 and renewal policies with a start date on or after 30 June 2019.

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Target Market Determination

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.

Download

Veteran, Vintage and Classic Vehicle Insurance

Information for both motor vehicles and motorcycles is covered in these documents.

RACV Veteran, Vintage and Classic Vehicle Insurance Product Disclosure Statements

RACV Veteran, Vintage & Classic Insurance Product Disclosure Statement and Policy Booklet for policies with a start date on or after 15 July 2021 and renewal policies with a start date on or after 16 August 2021.

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RACV Veteran, Vintage & Classic Insurance Product Disclosure Statement and Policy Booklet for policies with a start date on or after 28 February 2021 and renewal policies with a start date on or after 5 April 2021 and new business policies with a start date before 15 July 2021 and renewal policies with a start date before 16 August 2021.

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RACV Veteran, Vintage & Classic Vehicle Insurance Product Disclosure Statement and Policy Booklet for new business policies with a date on or after 19 May 2019 and renewal policies with a start date on or after 30 June 2019 and new business policies with a start date before 28 February 2021 and renewal policies with a start date before 5 April 2021.

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RACV Veteran, Vintage & Classic Vehicle Insurance Premium, Excess, Discounts and Benefits Guides

RACV Veteran, Vintage & Classic Vehicle Insurance Premium, Excess, Discounts and Benefits Guide for policies with a start date on or after 7 June 2021 and renewal policies with a start date on or after 12 July 2021.

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RACV Veteran, Vintage & Classic Vehicle Insurance Premium, Excess, Discounts and Benefits Guide for policies with a start date on or after 13 October 2020 and renewal policies with a start date on or after 28 October 2020 and new business policies with a start date before 7 June 2021 and renewal policies with a start date before 12 July 2021.

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RACV Veteran, Vintage & Classic Vehicle 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 and new business policies with a start date before 13 October 2020 and renewal policies with a start date before 28 October 2020.

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Target Market Determination

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.

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Boat Insurance

RACV Boat Insurance Product Disclosure Statements

In our PDS and Policy Booklet, we set out the full details about your cover and any limits, exclusions and conditions that may apply.

RACV Boat Insurance Product Disclosure Statement and Policy Booklet for policies with a start date on or after 15 July 2021 and renewal policies with a start date on or after 16 August 2021.

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RACV Boat Insurance Product Disclosure Statement and Policy Booklet for policies with a start date on or after 28 February 2021 and renewal policies with a start date on or after 5 April 2021 and new business policies with a start date before 15 July 2021 and renewal policies with a start date before 16 August 2021.

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RACV Boat 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 and new business policies with a start date before 28 February 2021 and renewal policies with a start date before 5 April 2021.

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RACV Boat Insurance Premium, Excess, Discounts and Aussie Assist Benefits

RACV Boat Insurance Premium, Excess, Discounts and Benefits Guide for policies with a start date on or after 7 June 2021 and renewal policies with a start date on or after 12 July 2021.

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RACV Boat Insurance Premium, Excess, Discounts and Benefits Guide for policies issued with a boat kept in Victoria with a commencement date on or after 13 October 2020 or with a renewal effective date on or after 28 October 2020 and new business policies with a start date before 7 June 2021 and renewal policies with a start date before 12 July 2021.

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RACV Boat Insurance Premium, Excess, Discounts and Benefits Guide for policies issued with a boat kept in Victoria with a commencement date on or after 24 August 2018 or with a renewal effective date on or after 1 October 2018 and new business policies with a start date before 13 October 2020 and renewal policies with a start date before 28 October 2020.

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Target Market Determination

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.

Download

How RACV Insurance is designed

Key Terms

  • 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.

  • 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.

  • Premium, Excess, Discounts & Benefits Guide

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

  • Financial Services Guide

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

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.