Couple on laptops at dining table.

Insurance Documents

Existing customer? Log in to your Member Hub to view and download your policy documents.

Product Disclosure Statements

We'll issue you with a Product Disclosure Statement (PDS) when you buy a policy with us. This way, you can check what is and isn't covered any time you need. It highlights things such as:

  • Which insured events we cover

  • How our claims process works

  • Policy terms and conditions

If there's anything in your PDS that you don't understand, give us a call on 13 27 22. Our team will be happy to explain.

All the PDS's listed below are current at the time you visit our site unless stated otherwise.


Key facts sheet

Our Home and Contents policy also comes with a key facts sheet. This is a quick reference guide, highlighting key features and considerations.

Premium and Payments Guide

If you have home and contents, investor or strata policies, you'll notice there is also a Premium and Payments Guide. This explains how we calculate your premium, and how we determine excesses and discounts on your policy.

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).