The following documents are important documents. However, only the PDS forms part of the contract for insurance once cover is issued (the other documents forming the contract of insurance are referenced in the PDS).

Product Disclosure Statement

It is important that you read and understand the product features, details and exclusions outlined in the PDS document (issued by NobleOak) below.

RAC Life Insurance - Life, Trauma, Income Protection & TPD cover

RAC My Protection Plan life insurance PDS (PDF 1.2 MB)

Financial Services Guide

Financial Services Guide FSG (PDF 459 KB) 

Target Market Determination

Target Market Determination TMD (PDF 194 kB) 

The issuer, NobleOak Life, adopts the Life Insurance Code Of Practice, for more information on this go to their site. NobleOak also have information about support for those experiencing vulnerability or hardship; about making a complaint and about insurance premiums.

The RAC Life Insurance suite of products (RAC Life Insurance) is distributed and issued by NobleOak Life Limited, AFSL 247302 (NOL). NOL and its representatives handle all claims. RAC Insurance Pty Ltd does not distribute, issue or guarantee these products. The information on this website is factual information only, and is not financial advice. You should consider factors like your objectives, financial situation and needs and read the relevant Product Disclosure Statement (PDS) and Target Market Determination (TMD) available via this website as well as our Financial Services Guide before deciding to acquire RAC Life Insurance.

You should not cancel any existing life insurance policy until you have been informed in writing that your replacement cover is in place.

RAC receives a commission from NOL for policies issued by NOL to RAC members.

NobleOak Awards please see here.

For all policies purchased with AIA before

1 October 2021

Product Disclosure Statement

It is important that you read and understand the product features and details outlined in the PDS documents below.

RAC Life Protect

RAC Life Protect PDS  – 01/04/2021 v6 (for policies purchased between 01/04/2021 and 30/09/2021) (PDF 0.73MB)

RAC Life Protect PDS – 30/11/2018 v5 (for polices commencing between 30/11/2018 and 31/03/2021) (PDF 0.5MB)

RAC Income Protect

RAC Income Protect PDS – 01/04/2021 v4 (for policies purchased between 01/04/2021 and 30/09/2021) (PDF 1.2MB)

RAC Income Protect PDS – 30/11/2018 v3 (for polices commencing between 30/11/2018 and 31/03/2021) (PDF 0.3MB) 

RAC Accident Protect

For existing members who purchased RAC Accident Protect cover prior to 5 December 2018, please refer to the RAC Accident Protect PDS below:

RAC Accident Protect PDS (No Longer Available) (PDF 0.5MB) 

Financial Services Guide

RAC Distribution PTY LTD (RACD) ABN 71 092 581 470 is part of the RAC Group of Companies and is an authorised representative (Authorised Representative No. 238025) of AIAFS. For more information please read the Financial Services Guide. (PDF 0.5MB)

The RAC Life Insurance suite of products issued before 1st October 2021 was distributed by RAC Distribution Pty Ltd (RACD) (ABN 71 092 581 470, Authorised Representative Number 238025), an authorised representative of, AIA Financial Services Limited , AFSL 231109 (AIAFS) and issued by AIA Australia Limited, (ABN 79 004 837 861, AFSL 230043). RACD was a distributor only; it did not sell, issue or guarantee those products.