{
 "dataset": "Australian building insurance",
 "source": "Each brand's and insurer's own Product Disclosure Statement, Key Facts Sheet, Target Market Determination and product pages (policies, cover, underwriter); APRA's list of registered general insurers (authorisation); ASIC's Australian Financial Services Licensee register on data.gov.au (licence, ABN)",
 "licence_note": "APRA authorisation is from APRA's list of registered general insurers, published under the Creative Commons Attribution 4.0 International licence (© Australian Prudential Regulation Authority). Licence fields are from ASIC's AFS Licensee dataset on data.gov.au, published under the Creative Commons Attribution 3.0 Australia licence. Policies, their cover and their underwriters are facts read from each brand's and insurer's own published documents, and every one carries the URL and the sentence it was read from. Policies change, and the document that applies to a policy is the one issued with it. This is reference data, not advice about which policy to buy.",
 "brand": {
  "slug": "rac-wa",
  "name": "RAC WA",
  "website": "https://rac.com.au/",
  "kind": "insurer",
  "underwriter": "RAC Insurance Pty Limited",
  "underwriter_abn": "59094685882",
  "underwriter_afsl": "231222",
  "lloyds": false,
  "distributor": {
   "name": "RAC Distribution Pty Ltd",
   "abn": "71092581470",
   "afsl": null,
   "authorised_representative_no": "238025"
  },
  "products": [
   {
    "name": "RAC Building Insurance",
    "type": "home_building",
    "segment": "residential",
    "channel": "direct",
    "online_quote": true,
    "cover_basis": "sum_insured",
    "buffer_percent": null,
    "flood": "included",
    "accidental_damage": null,
    "levels": [],
    "eligibility": "People wanting cover for a home building located in Western Australia (TMD).",
    "states": [
     "WA"
    ],
    "documents": [
     {
      "title": "Combined PDS and Financial Services Guide - Building, Contents and Personal Valuables (policies from 25 February 2021)",
      "url": "https://sitecore-prd-cdn.rac.com.au/-/media/files/rac-website/pdfs/products/insurance/pds/home-pds-25022021.pdf?modified=20231109025231",
      "date": "2021-02-25"
     },
     {
      "title": "Supplementary PDS (prepared 14 July 2021)",
      "url": "https://sitecore-prd-cdn.rac.com.au/-/media/files/rac-website/products/insurance/18057-insurance_spds_building_ebook.pdf?modified=20210820045156",
      "date": "2021-07-14"
     },
     {
      "title": "Key Facts Sheet - RAC Building Insurance (prepared 12 January 2021)",
      "url": "https://sitecore-prd-cdn.rac.com.au/-/media/files/rac-website/pdfs/products/insurance/kfs/combined-kfs-12102021_r2.pdf?modified=20231025060254",
      "date": "2021-01-12"
     },
     {
      "title": "Target Market Determination - RAC Building Insurance",
      "url": "https://sitecore-prd-cdn.rac.com.au/-/media/files/rac-website/pdfs/products/insurance/tmd/18092-insurance_tmd_docs_building_ebook.pdf?modified=20231025060743",
      "date": null
     }
    ],
    "quotes": {
     "product": {
      "text": "RAC Building Insurance has been designed to meet the needs of those who wish to protect against a financial loss that may result from a specified event damaging their home building located in Western Australia.",
      "url": "https://sitecore-prd-cdn.rac.com.au/-/media/files/rac-website/pdfs/products/insurance/tmd/18092-insurance_tmd_docs_building_ebook.pdf?modified=20231025060743",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "RAC Building Insurance has been designed to meet the needs of those who wish to protect against a financial loss that may result from a specified event damaging their home building located in Western Australia.",
       "url": "https://sitecore-prd-cdn.rac.com.au/-/media/files/rac-website/pdfs/products/insurance/tmd/18092-insurance_tmd_docs_building_ebook.pdf?modified=20231025060743#page=1",
       "page": 1,
       "document_sha256": "76d5260664ad20739e942081b751fe1eeaeea243bb68028f185679095f141ddc",
       "confirmed": "2026-11-13"
      }
     },
     "channel": {
      "text": "RAC Building Insurance can only be purchased from our Call Centre, Member Service Centre or via the website: rac.com.au.",
      "url": "https://sitecore-prd-cdn.rac.com.au/-/media/files/rac-website/pdfs/products/insurance/tmd/18092-insurance_tmd_docs_building_ebook.pdf?modified=20231025060743",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "RAC Building Insurance can only be purchased from our Call Centre, Member Service Centre or via the website: rac.com.au.",
       "url": "https://sitecore-prd-cdn.rac.com.au/-/media/files/rac-website/pdfs/products/insurance/tmd/18092-insurance_tmd_docs_building_ebook.pdf?modified=20231025060743#page=2",
       "page": 2,
       "document_sha256": "76d5260664ad20739e942081b751fe1eeaeea243bb68028f185679095f141ddc",
       "confirmed": "2026-11-13"
      }
     },
     "cover_basis": {
      "text": "Under this Building policy you set the maximum level of cover and your payment is limited to that amount (Sum insured).",
      "url": "https://sitecore-prd-cdn.rac.com.au/-/media/files/rac-website/pdfs/products/insurance/kfs/combined-kfs-12102021_r2.pdf?modified=20231025060254",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Under this Building policy you set the maximum level of cover and your payment is limited to that amount (Sum insured).",
       "url": "https://sitecore-prd-cdn.rac.com.au/-/media/files/rac-website/pdfs/products/insurance/kfs/combined-kfs-12102021_r2.pdf?modified=20231025060254#page=1",
       "page": 1,
       "document_sha256": "c8cfa7c733e502f187bed98aa333702796c23d1091fce47187749a78ec650e89",
       "confirmed": "2026-11-13"
      }
     },
     "flood": {
      "text": "Storms, including hail, lightning and flood.",
      "url": "https://sitecore-prd-cdn.rac.com.au/-/media/files/rac-website/pdfs/products/insurance/tmd/18092-insurance_tmd_docs_building_ebook.pdf?modified=20231025060743",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Storms, including hail, lightning and flood.",
       "url": "https://sitecore-prd-cdn.rac.com.au/-/media/files/rac-website/pdfs/products/insurance/tmd/18092-insurance_tmd_docs_building_ebook.pdf?modified=20231025060743#page=1",
       "page": 1,
       "document_sha256": "76d5260664ad20739e942081b751fe1eeaeea243bb68028f185679095f141ddc",
       "confirmed": "2026-11-13"
      }
     },
     "eligibility": {
      "text": "RAC Building Insurance has been designed to meet the needs of those who wish to protect against a financial loss that may result from a specified event damaging their home building located in Western Australia.",
      "url": "https://sitecore-prd-cdn.rac.com.au/-/media/files/rac-website/pdfs/products/insurance/tmd/18092-insurance_tmd_docs_building_ebook.pdf?modified=20231025060743",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "RAC Building Insurance has been designed to meet the needs of those who wish to protect against a financial loss that may result from a specified event damaging their home building located in Western Australia.",
       "url": "https://sitecore-prd-cdn.rac.com.au/-/media/files/rac-website/pdfs/products/insurance/tmd/18092-insurance_tmd_docs_building_ebook.pdf?modified=20231025060743#page=1",
       "page": 1,
       "document_sha256": "76d5260664ad20739e942081b751fe1eeaeea243bb68028f185679095f141ddc",
       "confirmed": "2026-11-13"
      }
     },
     "unoccupied": {
      "text": "We may reduce the cover we provide, or not provide any cover at all when: » You do not provide reasonable protection for your building and/or contents; » You leave your building unoccupied for 60 consecutive days or more",
      "url": "https://sitecore-prd-cdn.rac.com.au/-/media/files/rac-website/pdfs/products/insurance/pds/home-pds-25022021.pdf?modified=20231109025231",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "We may reduce the cover we provide, or not provide any cover at all when: » You do not provide reasonable protection for your building and/or contents; » You leave your building unoccupied for 60 consecutive days or more",
       "url": "https://sitecore-prd-cdn.rac.com.au/-/media/files/rac-website/pdfs/products/insurance/pds/home-pds-25022021.pdf?modified=20231109025231#page=28",
       "page": 28,
       "document_sha256": "2389186b9ffad10b3bbe118f8cfcdc972f53972131b4d9f4fe016edd7b4a8280",
       "confirmed": "2026-11-13"
      }
     }
    },
    "conditions": [
     "No cover for flood, storm or bushfire for the first 48 hours after purchase unless the home was continuously insured before.",
     "Only accidental glass breakage is included for the building; the PDS offers accidental damage for contents only, so the building field is null.",
     "The PDS is dated 25 February 2021 and the website notes later SPDS documents."
    ],
    "unoccupied": {
     "days": 60,
     "effect": "may_refuse",
     "excess": null,
     "excluded_events": null,
     "still_covered": null,
     "must_tell": true,
     "conditions": "Unless you told RAC in advance and agreed a plan (mail stopped, garden kept, weekly inspection); only where the vacancy caused the loss.",
     "then": null,
     "label": "Cover may be refused after 60 days"
    },
    "id": "rac-building-insurance",
    "type_label": "Home building",
    "issuers": [
     {
      "name": "RAC Insurance Pty Limited",
      "abn": "59094685882",
      "afsl": "231222",
      "lloyds": false,
      "slug": "rac-insurance",
      "apra": {
       "status": "authorised",
       "name": "RAC Insurance Proprietary Limited",
       "source": {
        "url": "https://www.apra.gov.au/registers/list-registered-general-insurers",
        "licence": "Creative Commons Attribution 4.0 International; © Australian Prudential Regulation Authority"
       }
      },
      "licence": {
       "afsl": "231222",
       "name": "RAC INSURANCE PTY LIMITED",
       "abn": "59094685882",
       "acn": null,
       "licensed_since": "2003-11-01",
       "locality": "West Perth WA 6005",
       "source": {
        "dataset": "ASIC AFS Licensee dataset",
        "url": "https://data.gov.au/data/dataset/asic-afs-licensee",
        "release": "https://data.gov.au/data/dataset/ab7eddce-84df-4098-bc8f-500d0d9776d1/resource/d98a113d-6b50-40e6-b65f-2612efc877f4/download/afs_lic_202611.csv",
        "last_modified": "2026-11-11T20:51:07.739275",
        "licence": "Creative Commons Attribution 3.0 Australia"
       },
       "general_insurance": true,
       "disagreements": []
      }
     }
    ]
   },
   {
    "name": "RAC Landlord's Insurance (building)",
    "type": "landlord",
    "segment": "residential",
    "channel": "direct",
    "online_quote": true,
    "cover_basis": "sum_insured",
    "buffer_percent": null,
    "flood": "included",
    "accidental_damage": null,
    "levels": [],
    "eligibility": "Owners of residential buildings that have tenants living in them (RAC landlord page).",
    "states": [
     "WA"
    ],
    "documents": [
     {
      "title": "Combined PDS and Financial Services Guide - Building, Contents and Personal Valuables (policies from 25 February 2021)",
      "url": "https://sitecore-prd-cdn.rac.com.au/-/media/files/rac-website/pdfs/products/insurance/pds/home-pds-25022021.pdf?modified=20231109025231",
      "date": "2021-02-25"
     },
     {
      "title": "Supplementary PDS (prepared 14 July 2021)",
      "url": "https://sitecore-prd-cdn.rac.com.au/-/media/files/rac-website/products/insurance/18057-insurance_spds_building_ebook.pdf?modified=20210820045156",
      "date": "2021-07-14"
     },
     {
      "title": "Key Facts Sheet - RAC Building Insurance (prepared 12 January 2021)",
      "url": "https://sitecore-prd-cdn.rac.com.au/-/media/files/rac-website/pdfs/products/insurance/kfs/combined-kfs-12102021_r2.pdf?modified=20231025060254",
      "date": "2021-01-12"
     },
     {
      "title": "Target Market Determination - RAC Building Insurance",
      "url": "https://sitecore-prd-cdn.rac.com.au/-/media/files/rac-website/pdfs/products/insurance/tmd/18092-insurance_tmd_docs_building_ebook.pdf?modified=20231025060743",
      "date": null
     }
    ],
    "quotes": {
     "product": {
      "text": "Our landlord’s building insurance will cover your building and other structures at your site used for domestic purposes against events such as fire, flood, storm, theft, malicious damage up to the sum insured.",
      "url": "https://rac.com.au/home-life/home-insurance/landlords-insurance",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Our landlord’s building insurance will cover your building and other structures at your site used for domestic purposes against events such as fire, flood, storm, theft, malicious damage up to the sum insured.",
       "url": "https://rac.com.au/home-life/home-insurance/landlords-insurance#:~:text=Our%20landlord%E2%80%99s%20building%20insurance%20will,up%20to%20the%20sum%20insured.",
       "document_sha256": "d801d11817fdd45926e1430338ff0eeded22c41fddc94a694c06581ae08a49e9",
       "confirmed": "2026-11-13"
      }
     },
     "channel": {
      "text": "RAC Building Insurance can only be purchased from our Call Centre, Member Service Centre or via the website: rac.com.au.",
      "url": "https://sitecore-prd-cdn.rac.com.au/-/media/files/rac-website/pdfs/products/insurance/tmd/18092-insurance_tmd_docs_building_ebook.pdf?modified=20231025060743",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "RAC Building Insurance can only be purchased from our Call Centre, Member Service Centre or via the website: rac.com.au.",
       "url": "https://sitecore-prd-cdn.rac.com.au/-/media/files/rac-website/pdfs/products/insurance/tmd/18092-insurance_tmd_docs_building_ebook.pdf?modified=20231025060743#page=2",
       "page": 2,
       "document_sha256": "76d5260664ad20739e942081b751fe1eeaeea243bb68028f185679095f141ddc",
       "confirmed": "2026-11-13"
      }
     },
     "cover_basis": {
      "text": "Our landlord’s building insurance will cover your building and other structures at your site used for domestic purposes against events such as fire, flood, storm, theft, malicious damage up to the sum insured.",
      "url": "https://rac.com.au/home-life/home-insurance/landlords-insurance",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Our landlord’s building insurance will cover your building and other structures at your site used for domestic purposes against events such as fire, flood, storm, theft, malicious damage up to the sum insured.",
       "url": "https://rac.com.au/home-life/home-insurance/landlords-insurance#:~:text=Our%20landlord%E2%80%99s%20building%20insurance%20will,up%20to%20the%20sum%20insured.",
       "document_sha256": "d801d11817fdd45926e1430338ff0eeded22c41fddc94a694c06581ae08a49e9",
       "confirmed": "2026-11-13"
      }
     },
     "flood": {
      "text": "Our landlord’s building insurance will cover your building and other structures at your site used for domestic purposes against events such as fire, flood, storm, theft, malicious damage up to the sum insured.",
      "url": "https://rac.com.au/home-life/home-insurance/landlords-insurance",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Our landlord’s building insurance will cover your building and other structures at your site used for domestic purposes against events such as fire, flood, storm, theft, malicious damage up to the sum insured.",
       "url": "https://rac.com.au/home-life/home-insurance/landlords-insurance#:~:text=Our%20landlord%E2%80%99s%20building%20insurance%20will,up%20to%20the%20sum%20insured.",
       "document_sha256": "d801d11817fdd45926e1430338ff0eeded22c41fddc94a694c06581ae08a49e9",
       "confirmed": "2026-11-13"
      }
     },
     "eligibility": {
      "text": "Landlord’s insurance can cover residential buildings that you, as the owner, have tenants living in.",
      "url": "https://rac.com.au/home-life/home-insurance/landlords-insurance",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Landlord’s insurance can cover residential buildings that you, as the owner, have tenants living in.",
       "url": "https://rac.com.au/home-life/home-insurance/landlords-insurance#:~:text=Landlord%E2%80%99s%20insurance%20can%20cover%20residential,owner%2C%20have%20tenants%20living%20in.",
       "document_sha256": "d801d11817fdd45926e1430338ff0eeded22c41fddc94a694c06581ae08a49e9",
       "confirmed": "2026-11-13"
      }
     },
     "unoccupied": {
      "text": "We may reduce the cover we provide, or not provide any cover at all when: » You do not provide reasonable protection for your building and/or contents; » You leave your building unoccupied for 60 consecutive days or more",
      "url": "https://sitecore-prd-cdn.rac.com.au/-/media/files/rac-website/pdfs/products/insurance/pds/home-pds-25022021.pdf?modified=20231109025231",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "We may reduce the cover we provide, or not provide any cover at all when: » You do not provide reasonable protection for your building and/or contents; » You leave your building unoccupied for 60 consecutive days or more",
       "url": "https://sitecore-prd-cdn.rac.com.au/-/media/files/rac-website/pdfs/products/insurance/pds/home-pds-25022021.pdf?modified=20231109025231#page=28",
       "page": 28,
       "document_sha256": "2389186b9ffad10b3bbe118f8cfcdc972f53972131b4d9f4fe016edd7b4a8280",
       "confirmed": "2026-11-13"
      }
     }
    },
    "conditions": [
     "Landlord cover is offered through the same Building, Contents and Personal Valuables PDS; the building TMD says the product is not suitable where it is 'Rented out as an investment property and cover is required for rent default and malicious damage by the tenants'."
    ],
    "unoccupied": {
     "days": 60,
     "effect": "may_refuse",
     "excess": null,
     "excluded_events": null,
     "still_covered": null,
     "must_tell": true,
     "conditions": "Unless you told RAC in advance and agreed a plan (mail stopped, garden kept, weekly inspection); only where the vacancy caused the loss. Gaps between tenants count.",
     "then": null,
     "label": "Cover may be refused after 60 days"
    },
    "id": "rac-landlord-s-insurance-building",
    "type_label": "Landlord",
    "issuers": [
     {
      "name": "RAC Insurance Pty Limited",
      "abn": "59094685882",
      "afsl": "231222",
      "lloyds": false,
      "slug": "rac-insurance",
      "apra": {
       "status": "authorised",
       "name": "RAC Insurance Proprietary Limited",
       "source": {
        "url": "https://www.apra.gov.au/registers/list-registered-general-insurers",
        "licence": "Creative Commons Attribution 4.0 International; © Australian Prudential Regulation Authority"
       }
      },
      "licence": {
       "afsl": "231222",
       "name": "RAC INSURANCE PTY LIMITED",
       "abn": "59094685882",
       "acn": null,
       "licensed_since": "2003-11-01",
       "locality": "West Perth WA 6005",
       "source": {
        "dataset": "ASIC AFS Licensee dataset",
        "url": "https://data.gov.au/data/dataset/asic-afs-licensee",
        "release": "https://data.gov.au/data/dataset/ab7eddce-84df-4098-bc8f-500d0d9776d1/resource/d98a113d-6b50-40e6-b65f-2612efc877f4/download/afs_lic_202611.csv",
        "last_modified": "2026-11-11T20:51:07.739275",
        "licence": "Creative Commons Attribution 3.0 Australia"
       },
       "general_insurance": true,
       "disagreements": []
      }
     }
    ]
   }
  ],
  "quotes": {
   "underwriter": {
    "text": "Underwritten by RAC Insurance Pty Limited ABN 59 094 685 882, AFSL Number 231222.",
    "url": "https://sitecore-prd-cdn.rac.com.au/-/media/files/rac-website/pdfs/products/insurance/kfs/combined-kfs-12102021_r2.pdf?modified=20231025060254",
    "checked": {
     "status": "found",
     "at": "2026-11-13T00:55:57+00:00"
    },
    "citation": {
     "quote": "Underwritten by RAC Insurance Pty Limited ABN 59 094 685 882, AFSL Number 231222.",
     "url": "https://sitecore-prd-cdn.rac.com.au/-/media/files/rac-website/pdfs/products/insurance/kfs/combined-kfs-12102021_r2.pdf?modified=20231025060254#page=2",
     "page": 2,
     "document_sha256": "c8cfa7c733e502f187bed98aa333702796c23d1091fce47187749a78ec650e89",
     "confirmed": "2026-11-13"
    }
   },
   "distributor": {
    "text": "RAC Distribution Pty Ltd (ABN 71 092 581 470) (RAC Distribution) is our authorised representative. Its Authorised Representative number is 238025.",
    "url": "https://sitecore-prd-cdn.rac.com.au/-/media/files/rac-website/pdfs/products/insurance/pds/home-pds-25022021.pdf?modified=20231109025231",
    "checked": {
     "status": "found",
     "at": "2026-11-13T00:55:57+00:00"
    },
    "citation": {
     "quote": "RAC Distribution Pty Ltd (ABN 71 092 581 470) (RAC Distribution) is our authorised representative. Its Authorised Representative number is 238025.",
     "url": "https://sitecore-prd-cdn.rac.com.au/-/media/files/rac-website/pdfs/products/insurance/pds/home-pds-25022021.pdf?modified=20231109025231#page=3",
     "page": 3,
     "document_sha256": "2389186b9ffad10b3bbe118f8cfcdc972f53972131b4d9f4fe016edd7b4a8280",
     "confirmed": "2026-11-13"
    }
   }
  },
  "curation_notes": "The RAC PDS and KFS on the website are dated 2021; the PED Guide is dated 2026 and a later SPDS (November 2023) appears on the documents page but was not read. No separate landlord TMD found; landlord cover is sold under the building policy. No high-value-home product found.",
  "segments": [
   "residential"
  ],
  "issuers": [
   {
    "name": "RAC Insurance Pty Limited",
    "abn": "59094685882",
    "afsl": "231222",
    "lloyds": false,
    "slug": "rac-insurance",
    "apra": {
     "status": "authorised",
     "name": "RAC Insurance Proprietary Limited",
     "source": {
      "url": "https://www.apra.gov.au/registers/list-registered-general-insurers",
      "licence": "Creative Commons Attribution 4.0 International; © Australian Prudential Regulation Authority"
     }
    },
    "licence": {
     "afsl": "231222",
     "name": "RAC INSURANCE PTY LIMITED",
     "abn": "59094685882",
     "acn": null,
     "licensed_since": "2003-11-01",
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      "licence": "Creative Commons Attribution 3.0 Australia"
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     "disagreements": []
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  ],
  "distributor_licence": null,
  "page": "https://deepalmanac.com/au/insurance/building/rac-wa/",
  "json": "https://deepalmanac.com/au/insurance/building/v1/brands/rac-wa.json"
 }
}