Insurance Documents
Existing customer? Access your policy documents through your online account
Home & Contents Insurance
Product Disclosure Statements (PDS) and Supplementary Product Disclosure Statements (SPDS)
When you buy a policy with us, you'll receive a Product Disclosure Statement (PDS) which highlights things such as:
Which insured events we cover
How our claims process works
Policy terms and conditions.
A Supplementary Product Disclosure Statement (SPDS) is used to advise you of any changes to the terms and conditions of the PDS. You must read this in conjunction with the PDS.
If there's anything in your PDS or SPDS that you don't understand, give us a call on 13 27 22. Our team will be happy to explain.
Home, Contents and Portable Items
PDS - Applicable to new policies and renewals with a start date on or after 1 September 2021
SPDS - Applicable to new policies and renewals with a start date on or after 1 September 2023
SPDS - Applicable to new policies and renewals with a start date on or after 9 November 2023
Key Fact Sheet
A quick reference guide, highlighting key features and considerations in your policy.
Key fact sheet - Applicable to new policies and renewals with a start date on or after 1 June 2019
Key fact sheet - Applicable to new policies and renewals with a start date on or after 9 November 2023
Premium and Payments Guide
Read about how we calculate your Home & Contents premium, and how we determine excesses and discounts on your policy.
Home, Contents and Portable Items
Applicable to new policies and renewals with a start date of 1 June 2019 - 31 August 2023
Applicable to new policies and renewals with a start date on or after 1 September 2023
Target Market Determinations (TMD)
Home Insurance TMD March 2026 - effective 5 March 2026
Home Insurance TMD February 2024 - effective 20 February 2024 to 4 March 2026
Home Insurance TMD November 2022 - effective 30 November 2022 to 19 February 2024
Home Insurance TMD July 2022 - effective 1 July 2022 to 29 November 2022
Home Insurance TMD September 2021 - effective 1 September 2021 to 30 June 2022
Car Insurance
Product Disclosure Statements (PDS) and Supplementary Product Disclosure Statements (SPDS)
When you buy a policy with us, you'll receive a Product Disclosure Statement (PDS) which highlights things such as:
Which insured events we cover
How our claims process works
Policy terms and conditions.
A Supplementary Product Disclosure Statement (SPDS) is used to advise you of any changes to the terms and conditions of the PDS. You must read this in conjunction with the PDS.
If there's anything in your PDS or SPDS that you don't understand, give us a call on 13 27 22. Our team will be happy to explain.
Comprehensive Car and Third Party
PDS - Applicable to new policies and renewals with a start date on or after 18 June 2026
PDS - Applicable to new policies and renewals with a start date on or after 1 September 2021 up to and including 17 June 2026
SPDS - Applicable to new policies and renewals with a start date on or after 1 September 2023 up to and including 17 June 2026
SPDS - Applicable to new policies and renewals with a start date on or after 9 November 2023 up to and including 17 June 2026
Collector's car
PDS - Applicable to new policies and renewals with a start date on or after 1 September 2021
Collectors Car Insurance PDS – updated information about No Claim Bonus effective 15 January 2023
SPDS - Applicable to new policies and renewals with a start date on or after 1 September 2023
SPDS - Applicable to new policies and renewals with a start date on or after 9 November 2023
Target Market Determinations (TMD)
Comprehensive Car
Comprehensive Car Insurance TMD June 2026 - effective 18 June 2026 - Applicable to new policies and renewals with a start date on or after 18 June 2026
Comprehensive Car Insurance TMD March 2026 - effective 5 March 2026 - Applicable to new policies and renewals with a start date prior to 18 June 2026
Comprehensive Car Insurance TMD February 2024 - effective 20 February 2024 to 4 March 2026
Comprehensive Car Insurance TMD November 2022 - effective 30 November 2022 to 19 February 2024
Comprehensive Car Insurance TMD July 2022 - effective 1 July 2022 to 29 November 2022
Comprehensive Car Insurance TMD September 2021 - effective 1 September 2021 to 30 June 2022
Third Party Car
Third-Party Insurance TMD June 2026 - effective 18 June 2026 - Applicable to new policies and renewals with a start date on or after 18 June 2026
Third-Party Insurance TMD March 2026 - effective 5 March 2026 - Applicable to new policies and renewals with a start date prior to 18 June 2026
Third-Party Insurance TMD February 2024 - effective 20 February 2024 to 4 March 2026
Third-Party Liability Insurance TMD November 2022 - effective 30 November 2022 to 19 February 2024
Third-Party Liability Insurance TMD July 2022 - effective 1 July 2022 to 29 November 2022
Third-Party Liability Insurance TMD September 2021 - effective 1 September 2021 to 30 June 2022
Collector's Car
Collector's Car Insurance TMD March 2026 - effective 5 March 2026
Collectors Car Insurance TMD February 2024 - effective 20 February 2024 to 4 March 2026
Collectors Car Insurance TMD November 2022 - effective 30 November 2022 to 19 February 2024
Collectors Car Insurance TMD July 2022 - effective 1 July 2022 to 29 November 2022
Collectors Car Insurance TMD September 2021 - effective 1 September 2021 to 30 June 2022
Caravan, Trailer & Boat Insurance
Product Disclosure Statements (PDS) and Supplementary Product Disclosure Statements (SPDS)
When you buy a policy with us, you'll receive a Product Disclosure Statement (PDS) which highlights things such as:
Which insured events we cover
How our claims process works
Policy terms and conditions.
A Supplementary Product Disclosure Statement (SPDS) is used to advise you of any changes to the terms and conditions of the PDS. You must read this in conjunction with the PDS.
If there's anything in your PDS or SPDS that you don't understand, give us a call on 13 27 22. Our team will be happy to explain.
Caravan and Trailer
PDS - Applicable to new policies and renewals with a start date on or after 1 September 2021
SPDS - Applicable to new policies and renewals with a start date on or after 1 September 2023
SPDS - Applicable to new policies and renewals with a start date on or after 9 November 2023
Boat
PDS - Applicable to new policies and renewals with a start date on or after 1 September 2021
SPDS - Applicable to new policies and renewals with a start date on or after 1 September 2023
SPDS - Applicable to new policies and renewals with a start date on or after 9 November 2023
Target Market Determinations (TMD)
Caravan and trailer
Caravan and Trailer Insurance TMD March 2026 - effective 5 March 2026
Caravan and Trailer Insurance TMD February 2024 - effective 20 February 2024 to 4 March 2026
Caravan and Trailer Insurance TMD November 2022 - effective 30 November 2022 to 19 February 2024
Caravan and Trailer Insurance TMD July 2022 - effective 1 July 2022 to 29 November 2022
Caravan and Trailer Insurance TMD Sept 2021 - effective 1 September 2021 to 30 June 2022
Boat
Boat Insurance TMD March 2026 - effective 5 March 2026
Boat Insurance TMD February 2024 - effective 20 February 2024 to 4 March 2026
Boat Insurance TMD November 2022 - effective 30 November 2022 to 19 February 2024
Boat Insurance TMD July 2022 - effective 1 July 2022 to 29 November 2022
Boat Insurance TMD September 2021 - effective 1 September 2021 to 30 June 2022
Strata & Investor Insurance
Product Disclosure Statements (PDS) and Supplementary Product Disclosure Statements (SPDS)
When you buy a policy with us, you'll receive a Product Disclosure Statement (PDS) which highlights things such as:
Which insured events we cover
How our claims process works
Policy terms and conditions.
A Supplementary Product Disclosure Statement (SPDS) is used to advise you of any changes to the terms and conditions of the PDS. You must read this in conjunction with the PDS.
If there's anything in your PDS or SPDS that you don't understand, give us a call on 13 27 22. Our team will be happy to explain.
Strata Building
PDS - Applicable to new policies and renewals with a start date on or after 1 September 2021
SPDS - Applicable to new policies and renewals with a start date on or after 1 September 2023
SPDS - Applicable to new policies and renewals with a start date on or after 9 November 2023
Investor
PDS - Applicable to new policies and renewals with a start date on or after 1 September 2021
SPDS - Applicable to new policies and renewals with a start date on or after 1 September 2023
SPDS - Applicable to new policies and renewals with a start date on or after 9 November 2023
Premium and Payments Guides
Read about how we calculate your premium, and how we determine excesses and discounts on your policy.
Strata Building
Applicable to new policies and renewals with a start date of 1 June 2019 - 31 August 2023
Applicable to new policies and renewals with a start date on or after 1 September 2023
Investor Insurance
Applicable to new policies and renewals with a start date of 1 June 2019 - 31 August 2023
Applicable to new policies and renewals with a start date on or after 1 September 2023
Target Market Determinations (TMD)
Strata Building
Strata Building Insurance TMD March 2026 - effective 5 March 2026
Strata Building Insurance TMD February 2024 - effective 20 February 2024 to 4 March 2026
Strata Building Insurance TMD November 2022 - effective 30 November 2022 to 19 February 2024
Strata Building Insurance TMD July 2022 - effective 1 July 2022 to 29 November 2022
Strata Building Insurance TMD September 2021 - effective 1 September 2021 to 30 June 2022
Investor Basic & Investor Plus
Investor Insurance TMD March 2026 - effective 5 March 2026
Investor Insurance TMD February 2024 - effective 20 February 2024 to 4 March 2026
Investor Insurance TMD November 2022 - effective 30 November 2022 to 19 February 2024
Investor Insurance TMD July 2022 - effective 1 July 2022 to 29 November 2022
Residential Property (incl. Investor) Insurance TMD September 2021 - effective 1 September 2021 to 30 June 2022
Other Important Information
Financial Services Guide
Product Development and Distribution Policy
Complaints Handling Guide
Before buying insurance issued by RACT Insurance Pty Ltd (ABN 96 068 167 804, AFS licence 229 076) you should read the Product Disclosure Statement (PDS) and Target Market Determination (TMD).
