Third Party Car Insurance Product Disclosure Statement
It is important that you read and understand the product features and details outlined in the PDS and SPDS below.
RAC Car Insurance PDS (for policies commenced on or after 25 February 2021 or renewed on or after 25 March 2021) (PDF 727 KB)
RAC Car Insurance PDS (for policies commenced before 25 February 2021 or renewed before 25 March 2021) (PDF 432 KB)
RAC Car Insurance SPDS (for policies commenced or renewed on or after 14 November 2023) (PDF 439 KB)
RAC Car Insurance SPDS (for policies commenced on or after 25 August 2021 or renewed on or after 22 September 2021) (PDF 436 KB)
RAC Car Insurance SPDS (for policies commenced between 1 July 2020 and 24 February 2021)
Premium, Excess and Discount Guide
It is important that you read and understand the Premium, Excess and Discount Guide below.
RAC Car Insurance PED Guide (for policies commenced on or after 20 February 2024 or renewed on or after 20 March 2024) (PDF 513 KB)
RAC Car Insurance PED Guide (for policies commenced on or after 23 November 2023 or renewed on or after 23 December 2023) (PDF 516 KB)
RAC Car Insurance PED Guide (for policies commenced on or after 25 February 2021 or renewed on or after 25 March 2021) (PDF 521 KB)
RAC Car Insurance PED Guide (for policies commenced before 25 February 2021 or renewed before 25 March 2021) (PDF 446 KB)
Legal Rights and Obligations Guide
It is important that you read and understand the Legal Rights and Obligations Guide below.
RAC Car Insurance Legal Rights and Obligations Guide (for policies commenced or renewed on or after 14 November 2023) (PDF 444 KB)
Target Market Determinations
This Target Market Determinations (TMD) document is a guide to help you understand the general suitability of the product. It is important that you read this document and understand the target market this product has been designed for.
RAC Car Insurance TMD (for policies commenced on or after 25 August 2021 or renewed on or after 22 September 2021) (PDF 501 KB)
Financial Services Guide
The Financial Services Guide provides you with information about RAC Distribution Pty Ltd to assist you in deciding whether to use the financial services provided by them. Please read the Financial Services Guide contained in the Combined Product Disclosure Statement and Financial Services Guide (PDF 727 KB).
Direct Debit Request Service Agreement
The Direct Debit Request Service Agreement contains the terms and conditions for making payments by direct debits. Please read the Direct Debit Request Service Agreement (last updated 19 March 2023) (PDF 498 KB).
Privacy
RAC use and require your personal information to consider your insurance application and any subsequent application for insurance and to issue your policy. We also use your personal information in the course of administering and managing the products and services you and other members have with us, including for dealing with any complaints and claims. This may include the use of your details to administer a claim by another party. For the purposes of doing so, your personal information may be passed to, or received from, a joint policyholder, RAC’s assessors, investigators, repairers, suppliers and/or 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.
The RAC 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 the RAC, operate under RAC's Brand, or be agents, contractors or allied organisations. You may tell the RAC 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 the RAC providing details of your policy and its currency to the financier.
If you would like to review or correct the personal information the RAC Group has 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 rac.com.au
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