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 (PDF 432 KB)

RAC Car Insurance SPDS (for policies commenced on or after 1 July 2020)

RAC Car Insurance SPDS (for policies commenced before 1 July 2020)

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 (PDF 446 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 432 KB).

Important driver 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 and our authorised representative, RAC Distribution, (together the 'RAC') 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. The RAC 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, a joint policyholder, RAC's 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.

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

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Third party car insurance