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RACV Home Insurance policy documents

Documents to help you understand your insurance policy

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Product Disclosure Statements (PDS)

Buildings, Contents, Combined, and Renters Insurance

RACV Home Insurance Product Disclosure Statement and Policy Booklet – October 2023 (PDF, 520 KB)
For policies with a start date from 11 October 2023 or with a renewal effective date from 13 November 2023. For Renters Insurance, sections referring to contents cover apply.

Landlord Insurance

RACV Landlord Insurance Product Disclosure Statement and Policy Booklet – October 2023 (PDF, 449 KB)
For policies with a start date from 11 October 2023 or with a renewal effective date from 13 November 2023.

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.

RACV Home Insurance Product Disclosure Statement and Policy Booklet – August 2022 (PDF, 452 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. For Renters Insurance, sections referring to contents cover apply.

RACV Home Insurance Product Disclosure Statement and Policy Booklet – July 2021 (PDF, 358 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. For Renters Insurance, sections referring to contents cover apply.

RACV Home Insurance Product Disclosure Statement and Policy Booklet – February 2021 (PDF, 493 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. For Renters Insurance, sections referring to contents cover apply.

RACV Home Insurance Product Disclosure Statement and Policy Booklet – June 2020 (PDF, 593 KB)
For policies with a start date from 14 June 2020 - 27 February 2021 or with a renewal effective date from 20 July 2020 - 4 April 2021. 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.

RACV Landlord Insurance Product Disclosure Statement and Policy Booklet – August 2022 (PDF, 381 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 Landlord Insurance Product Disclosure Statement and Policy Booklet – July 2021 (PDF, 269 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 Landlord Insurance Product Disclosure Statement and Policy Booklet – April 2021 (PDF, 359 KB)
For policies with a start date from 18 April 2021 - 14 July 2021 or with a renewal effective date from 24 May 2021 - 15 August 2021.

RACV Landlord Insurance Product Disclosure Statement and Policy Booklet – February 2021 (PDF, 513 KB)
For policies with a start date from 28 February 2021 - 17 April 2021 or with a renewal effective date from 5 April 2021 - 23 May 2021.

The included SPDS for Rent default applies to new policies that first started from 14 June 2020, but does not apply to new policies or renewals of policies that first started before 14 June 2020.

RACV Landlord Insurance Product Disclosure Statement and Policy Booklet – May 2019 (PDF, 558 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.

The included SPDS for Rent default applies to policies commencing on or after 14 June 2020. It does not apply to policies or renewals of policies that first commenced prior to this date.

Premium, Excess and Discounts Guides (PED)

Buildings, Contents, Combined, and Renters Insurance

RACV Home Insurance Premium, Excess and Discounts Guide – February 2023 (PDF, 73 KB)
For policies with a start date from 22 February 2023 or with a renewal effective date from 27 March 2023.

Landlord Insurance

RACV Landlord Insurance Premium, Excess and Discounts Guide – February 2023 (PDF, 65 KB)
For policies with a start date from 22 February 2023 or with a renewal effective date from 27 March 2023.

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.

RACV Home Insurance Premium, Excess and 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 Home Insurance Premium, Excess, Discounts and Benefits Guide – October 2021 (PDF, 190 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 Home Insurance Premium, Excess, Discounts and 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 Home Insurance Premium, Excess, Discounts and Benefits Guide – July 2020 (PDF, 911 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.

Landlord Insurance

RACV Landlord Insurance Premium, Excess and Discounts Guide – September 2022 (PDF, 61 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 Landlord Insurance Premium, Excess and Discounts Guide – August 2022 (PDF, 59 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 Landlord Insurance Premium, Excess, Discounts and Benefits Guide – October 2021 (PDF, 189 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 Landlord Insurance Premium, Excess, Discounts and 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 Landlord Insurance Premium, Excess, Discounts and Benefits Guide – July 2020 (PDF, 823 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.

Key Fact Sheets (KFS)

Buildings Insurance

RACV Home Buildings Insurance Key Facts Sheet (PDF, 146 KB)

Contents and Renters Insurance

RACV Home Contents Insurance Key Facts Sheet (PDF, 144 KB)

Target Market Determinations (TMD)

Buildings, Contents, Combined, and Renters Insurance

Target Market Determination for Home Buildings and/or Home Contents Insurance cover (PDF, 49 KB)

Landlord Insurance

Target Market Determination for Landlord Buildings and/or Landlord Contents Insurance cover (PDF, 48 KB)

RACV Financial Services Guide (FSG)

RACV Financial Services Guide (PDF, 210 KB)

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.

Read the IMA Policy (PDF, 169 KB)

Key terms

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.

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.