Renter's Insurance Product Disclosure Statement

It is important that you read and understand the product features and details outlined in the Renter's Contents and Personal Valuables Insurance PDS and SPDS below.

RAC Renter's Insurance PDS (PDF 330 KB)

RAC Renter's Insurance SPDS (for policies commenced on or after 1 July 2020)

RAC Renter's Insurance SPDS (for policies commenced before 1 July 2020)

RAC Renter's Key Facts Sheet (PDF 530 KB)

Premium, Excess and Discount Guide

It is important that you read and understand the Premium, Excess and Discount Guide below.

RAC Renter's Insurance PED Guide (PDF 919 KB)

Financial Services Guide

RAC Insurance Pty Ltd (ABN 59 094 685 882) is an authorised general insurance company specialising in general insurance products. It is an Australian Financial Services Licencee (No. 231222). For more information on the provision of this financial service please read the Financial Services Guide (PDF 338 KB).

Important policyholder information

When you take out a policy with us, we ask you questions which apply to you and everyone else covered under the policy. You must answer our questions honestly and accurately. You must do this each time you renew or change your policy.

If you or someone acting for you makes a misrepresentation to us, we may:

  • Refuse to pay a claim.
  • Reduce the amount we pay you for your claim.
  • Cancel your policy.
  •  Withdraw cover.


We collect, store and use your personal information in accordance with the Privacy Act and as set out below. By taking out this Policy you agree to this.

We use and require your personal information to consider your insurance application and any subsequent application for insurance, issue and administer your Policy and investigate and assess any insurance claim. For the purposes of doing so, your personal information may be passed to, or received from, Our assessors, investigators, repairers, suppliers, contractors, other insurance companies, insurance reference bureaus, law enforcement agencies, Our related companies, legal and professional advisers, IT providers, and their agents, some of whom may be overseas.

We may also use your personal information to tell You about other RAC Group products and services. Your personal information may be passed to other entities for promotional purposes. These entities may be associated with Us, operate under RAC’s Brand, or be agents, contractors or allied organisations. You may tell Us not to use your personal information for these promotional purposes at any time by contacting us on 13 17 03.

If the interest of a financier is noted on your policy, You consent to Us providing details of your policy and its currency to the financier.

If You would like to review or correct the personal information We have about You, or if You wish to make a complaint, please call 13 17 03. For further information, see the RAC Group privacy policy at

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Renters insurance