{
 "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": "racq",
  "name": "RACQ",
  "website": "https://www.racq.com.au/",
  "kind": "insurer",
  "underwriter": "RACQ Insurance Limited",
  "underwriter_abn": "50009704152",
  "underwriter_afsl": "233082",
  "lloyds": false,
  "distributor": {
   "name": "RACQ Distribution Services Pty Limited",
   "abn": null,
   "afsl": "567130",
   "authorised_representative_no": null
  },
  "products": [
   {
    "name": "RACQ Home Insurance (home building cover)",
    "type": "home_building",
    "segment": "residential",
    "channel": "direct",
    "online_quote": true,
    "cover_basis": "sum_insured",
    "buffer_percent": null,
    "flood": "included",
    "accidental_damage": "optional",
    "levels": [],
    "eligibility": "People who own and reside in the insured home, or are landlords of a residential building (TMD).",
    "states": null,
    "documents": [
     {
      "title": "Household Insurance Product Disclosure Statement (effective 9 December 2024)",
      "url": "https://www.racq.com.au/-/media/project/racqgroup/racq/pdf/insurance/pds/household-insurance/pds-racq-household-insurance-091224-hh2-1224.pdf?rev=cabbbeaace5a47fbb1594d564d010ce4&hash=E43213886CA8CC5E227C8CAFD8C591F1",
      "date": "2024-12-09"
     },
     {
      "title": "Supplementary Product Disclosure Statement (29 July 2025)",
      "url": "https://www.racq.com.au/-/media/project/racqgroup/racq/pdf/insurance/spds/household-insurance/spds-racq-household-28072025-rhhb9-0825.pdf?rev=193c1d6592ec4b738b5e4edc2c2ba154&hash=2D50453B96E7B35806808FDFD1252E0C",
      "date": "2025-07-29"
     },
     {
      "title": "Key Facts Sheet - Household building insurance (effective 1 September 2025)",
      "url": "https://www.racq.com.au/-/media/project/racqgroup/racq/pdf/insurance/keyfactsheet/household-insurance/household_kfsbld_01092025.pdf?rev=e9a5e33d184445d4b6b658112cd0e54e&hash=FCC26F0FD6AD384C5A6E0615B62E0B3B",
      "date": "2025-09-01"
     },
     {
      "title": "Target Market Determination - Household Insurance (effective 1 September 2025)",
      "url": "https://www.racq.com.au/-/media/project/racqgroup/racq/pdf/insurance/tmd/household-insurance/tmd-household-01092025.pdf?rev=860b131508304d3f864fb17a19820cd6&hash=4055826FE09FB42043D69427D0E64779",
      "date": "2025-09-01"
     }
    ],
    "quotes": {
     "product": {
      "text": "The RACQ Home Insurance product has been designed for people who want to be covered against financial loss caused by an incident involving their home",
      "url": "https://www.racq.com.au/-/media/project/racqgroup/racq/pdf/insurance/tmd/household-insurance/tmd-household-01092025.pdf?rev=860b131508304d3f864fb17a19820cd6&hash=4055826FE09FB42043D69427D0E64779",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "The RACQ Home Insurance product has been designed for people who want to be covered against financial loss caused by an incident involving their home",
       "url": "https://www.racq.com.au/-/media/project/racqgroup/racq/pdf/insurance/tmd/household-insurance/tmd-household-01092025.pdf?rev=860b131508304d3f864fb17a19820cd6&hash=4055826FE09FB42043D69427D0E64779#page=3",
       "page": 3,
       "document_sha256": "322bd1208df29f77574c34732cca5acb01a09179bd8c7d63f612bdcfafbe11f0",
       "confirmed": "2026-11-13"
      }
     },
     "channel": {
      "text": "contact centres by calling 13 1905, • website by visiting racq.com (where available), and • stores (including agencies).",
      "url": "https://www.racq.com.au/-/media/project/racqgroup/racq/pdf/insurance/tmd/household-insurance/tmd-household-01092025.pdf?rev=860b131508304d3f864fb17a19820cd6&hash=4055826FE09FB42043D69427D0E64779",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "contact centres by calling 13 1905, • website by visiting racq.com (where available), and • stores (including agencies).",
       "url": "https://www.racq.com.au/-/media/project/racqgroup/racq/pdf/insurance/tmd/household-insurance/tmd-household-01092025.pdf?rev=860b131508304d3f864fb17a19820cd6&hash=4055826FE09FB42043D69427D0E64779#page=1",
       "page": 1,
       "document_sha256": "322bd1208df29f77574c34732cca5acb01a09179bd8c7d63f612bdcfafbe11f0",
       "confirmed": "2026-11-13"
      }
     },
     "cover_basis": {
      "text": "Under this policy you set the maximum level of cover and your payout is limited to that amount (Sum insured).",
      "url": "https://www.racq.com.au/-/media/project/racqgroup/racq/pdf/insurance/keyfactsheet/household-insurance/household_kfsbld_01092025.pdf?rev=e9a5e33d184445d4b6b658112cd0e54e&hash=FCC26F0FD6AD384C5A6E0615B62E0B3B",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Under this policy you set the maximum level of cover and your payout is limited to that amount (Sum insured).",
       "url": "https://www.racq.com.au/-/media/project/racqgroup/racq/pdf/insurance/keyfactsheet/household-insurance/household_kfsbld_01092025.pdf?rev=e9a5e33d184445d4b6b658112cd0e54e&hash=FCC26F0FD6AD384C5A6E0615B62E0B3B#page=1",
       "page": 1,
       "document_sha256": "866d21a78e1eaf016f5c0e5c5ba2b9ed439f798404227c82647220dc279271db",
       "confirmed": "2026-11-13"
      }
     },
     "flood": {
      "text": "Flood Yes You’re not covered for loss or damage to lawns or grass, swimming pools and spas and their covers and liners, the water in swimming pools and spas, shade or sail cloth and fabric awnings.",
      "url": "https://www.racq.com.au/-/media/project/racqgroup/racq/pdf/insurance/keyfactsheet/household-insurance/household_kfsbld_01092025.pdf?rev=e9a5e33d184445d4b6b658112cd0e54e&hash=FCC26F0FD6AD384C5A6E0615B62E0B3B",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Flood Yes You’re not covered for loss or damage to lawns or grass, swimming pools and spas and their covers and liners, the water in swimming pools and spas, shade or sail cloth and fabric awnings.",
       "url": "https://www.racq.com.au/-/media/project/racqgroup/racq/pdf/insurance/keyfactsheet/household-insurance/household_kfsbld_01092025.pdf?rev=e9a5e33d184445d4b6b658112cd0e54e&hash=FCC26F0FD6AD384C5A6E0615B62E0B3B#page=1",
       "page": 1,
       "document_sha256": "866d21a78e1eaf016f5c0e5c5ba2b9ed439f798404227c82647220dc279271db",
       "confirmed": "2026-11-13"
      }
     },
     "accidental_damage": {
      "text": "Optional – We cover accidental damage to some items under the optional benefit of “Advanced cover”.",
      "url": "https://www.racq.com.au/-/media/project/racqgroup/racq/pdf/insurance/keyfactsheet/household-insurance/household_kfsbld_01092025.pdf?rev=e9a5e33d184445d4b6b658112cd0e54e&hash=FCC26F0FD6AD384C5A6E0615B62E0B3B",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Optional – We cover accidental damage to some items under the optional benefit of “Advanced cover”.",
       "url": "https://www.racq.com.au/-/media/project/racqgroup/racq/pdf/insurance/keyfactsheet/household-insurance/household_kfsbld_01092025.pdf?rev=e9a5e33d184445d4b6b658112cd0e54e&hash=FCC26F0FD6AD384C5A6E0615B62E0B3B#page=1",
       "page": 1,
       "document_sha256": "866d21a78e1eaf016f5c0e5c5ba2b9ed439f798404227c82647220dc279271db",
       "confirmed": "2026-11-13"
      }
     },
     "eligibility": {
      "text": "Own and reside in the insured home or,",
      "url": "https://www.racq.com.au/-/media/project/racqgroup/racq/pdf/insurance/tmd/household-insurance/tmd-household-01092025.pdf?rev=860b131508304d3f864fb17a19820cd6&hash=4055826FE09FB42043D69427D0E64779",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Own and reside in the insured home or,",
       "url": "https://www.racq.com.au/-/media/project/racqgroup/racq/pdf/insurance/tmd/household-insurance/tmd-household-01092025.pdf?rev=860b131508304d3f864fb17a19820cd6&hash=4055826FE09FB42043D69427D0E64779#page=3",
       "page": 3,
       "document_sha256": "322bd1208df29f77574c34732cca5acb01a09179bd8c7d63f612bdcfafbe11f0",
       "confirmed": "2026-11-13"
      }
     },
     "unoccupied": {
      "text": "you haven’t told us that your home will be unoccupied for more than 60 days, cover for any loss or damage to your home or your contents will only apply where the loss or damage is caused by one or more of the insured events",
      "url": "https://www.racq.com.au/-/media/project/racqgroup/racq/pdf/insurance/pds/household-insurance/pds-racq-household-insurance-091224-hh2-1224.pdf?rev=cabbbeaace5a47fbb1594d564d010ce4&hash=E43213886CA8CC5E227C8CAFD8C591F1",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "you haven’t told us that your home will be unoccupied for more than 60 days, cover for any loss or damage to your home or your contents will only apply where the loss or damage is caused by one or more of the insured events",
       "url": "https://www.racq.com.au/-/media/project/racqgroup/racq/pdf/insurance/pds/household-insurance/pds-racq-household-insurance-091224-hh2-1224.pdf?rev=cabbbeaace5a47fbb1594d564d010ce4&hash=E43213886CA8CC5E227C8CAFD8C591F1#page=30",
       "page": 30,
       "document_sha256": "c723b9fef669bf51aee79b1823ff6b09aa32bcd3dabf91fa638120ed663caf40",
       "confirmed": "2026-11-13"
      }
     }
    },
    "conditions": [
     "Accidental glass breakage is included; wider accidental damage is the optional benefit 'Advanced cover'.",
     "Cover is for a sum insured chosen by the customer; the KFS states the payout is limited to that amount."
    ],
    "unoccupied": {
     "days": 60,
     "effect": "reduced_cover",
     "excess": null,
     "excluded_events": null,
     "still_covered": "animal damage, earthquake, flood, impact, lightning, riots, storm, tsunami",
     "must_tell": true,
     "conditions": "Unless you told RACQ beforehand (it may then set security conditions). Also counts as unoccupied if someone stays less than one night a week on average.",
     "then": null,
     "label": "Some events not covered after 60 days"
    },
    "id": "home-insurance-home-building-cover",
    "type_label": "Home building",
    "issuers": [
     {
      "name": "RACQ Insurance Limited",
      "abn": "50009704152",
      "afsl": "233082",
      "lloyds": false,
      "slug": "racq-insurance",
      "apra": {
       "status": "authorised",
       "name": "RACQ Insurance 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": "233082",
       "name": "RACQ INSURANCE LIMITED",
       "abn": "50009704152",
       "acn": null,
       "licensed_since": "2003-12-01",
       "locality": "Eight Mile Plains QLD 4113",
       "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": "RACQ Home Insurance (landlord / tenanted home)",
    "type": "landlord",
    "segment": "residential",
    "channel": "direct",
    "online_quote": true,
    "cover_basis": "sum_insured",
    "buffer_percent": null,
    "flood": "included",
    "accidental_damage": "excluded",
    "levels": [],
    "eligibility": "Landlords of a residential building (TMD); TMD says the product is not suitable for landlords needing full landlord protection for a tenanted property.",
    "states": null,
    "documents": [
     {
      "title": "Household Insurance Product Disclosure Statement (effective 9 December 2024)",
      "url": "https://www.racq.com.au/-/media/project/racqgroup/racq/pdf/insurance/pds/household-insurance/pds-racq-household-insurance-091224-hh2-1224.pdf?rev=cabbbeaace5a47fbb1594d564d010ce4&hash=E43213886CA8CC5E227C8CAFD8C591F1",
      "date": "2024-12-09"
     },
     {
      "title": "Supplementary Product Disclosure Statement (29 July 2025)",
      "url": "https://www.racq.com.au/-/media/project/racqgroup/racq/pdf/insurance/spds/household-insurance/spds-racq-household-28072025-rhhb9-0825.pdf?rev=193c1d6592ec4b738b5e4edc2c2ba154&hash=2D50453B96E7B35806808FDFD1252E0C",
      "date": "2025-07-29"
     },
     {
      "title": "Key Facts Sheet - Household building insurance (effective 1 September 2025)",
      "url": "https://www.racq.com.au/-/media/project/racqgroup/racq/pdf/insurance/keyfactsheet/household-insurance/household_kfsbld_01092025.pdf?rev=e9a5e33d184445d4b6b658112cd0e54e&hash=FCC26F0FD6AD384C5A6E0615B62E0B3B",
      "date": "2025-09-01"
     },
     {
      "title": "Target Market Determination - Household Insurance (effective 1 September 2025)",
      "url": "https://www.racq.com.au/-/media/project/racqgroup/racq/pdf/insurance/tmd/household-insurance/tmd-household-01092025.pdf?rev=860b131508304d3f864fb17a19820cd6&hash=4055826FE09FB42043D69427D0E64779",
      "date": "2025-09-01"
     }
    ],
    "quotes": {
     "product": {
      "text": "If you are a landlord and ‘Tenanted’ is shown on your COI, your home also includes your:",
      "url": "https://www.racq.com.au/-/media/project/racqgroup/racq/pdf/insurance/pds/household-insurance/pds-racq-household-insurance-091224-hh2-1224.pdf?rev=cabbbeaace5a47fbb1594d564d010ce4&hash=E43213886CA8CC5E227C8CAFD8C591F1",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "If you are a landlord and ‘Tenanted’ is shown on your COI, your home also includes your:",
       "url": "https://www.racq.com.au/-/media/project/racqgroup/racq/pdf/insurance/pds/household-insurance/pds-racq-household-insurance-091224-hh2-1224.pdf?rev=cabbbeaace5a47fbb1594d564d010ce4&hash=E43213886CA8CC5E227C8CAFD8C591F1#page=22",
       "page": 22,
       "document_sha256": "c723b9fef669bf51aee79b1823ff6b09aa32bcd3dabf91fa638120ed663caf40",
       "confirmed": "2026-11-13"
      }
     },
     "channel": {
      "text": "contact centres by calling 13 1905, • website by visiting racq.com (where available), and • stores (including agencies).",
      "url": "https://www.racq.com.au/-/media/project/racqgroup/racq/pdf/insurance/tmd/household-insurance/tmd-household-01092025.pdf?rev=860b131508304d3f864fb17a19820cd6&hash=4055826FE09FB42043D69427D0E64779",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "contact centres by calling 13 1905, • website by visiting racq.com (where available), and • stores (including agencies).",
       "url": "https://www.racq.com.au/-/media/project/racqgroup/racq/pdf/insurance/tmd/household-insurance/tmd-household-01092025.pdf?rev=860b131508304d3f864fb17a19820cd6&hash=4055826FE09FB42043D69427D0E64779#page=1",
       "page": 1,
       "document_sha256": "322bd1208df29f77574c34732cca5acb01a09179bd8c7d63f612bdcfafbe11f0",
       "confirmed": "2026-11-13"
      }
     },
     "cover_basis": {
      "text": "Under this policy you set the maximum level of cover and your payout is limited to that amount (Sum insured).",
      "url": "https://www.racq.com.au/-/media/project/racqgroup/racq/pdf/insurance/keyfactsheet/household-insurance/household_kfsbld_01092025.pdf?rev=e9a5e33d184445d4b6b658112cd0e54e&hash=FCC26F0FD6AD384C5A6E0615B62E0B3B",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Under this policy you set the maximum level of cover and your payout is limited to that amount (Sum insured).",
       "url": "https://www.racq.com.au/-/media/project/racqgroup/racq/pdf/insurance/keyfactsheet/household-insurance/household_kfsbld_01092025.pdf?rev=e9a5e33d184445d4b6b658112cd0e54e&hash=FCC26F0FD6AD384C5A6E0615B62E0B3B#page=1",
       "page": 1,
       "document_sha256": "866d21a78e1eaf016f5c0e5c5ba2b9ed439f798404227c82647220dc279271db",
       "confirmed": "2026-11-13"
      }
     },
     "flood": {
      "text": "Flood Yes You’re not covered for loss or damage to lawns or grass, swimming pools and spas and their covers and liners, the water in swimming pools and spas, shade or sail cloth and fabric awnings.",
      "url": "https://www.racq.com.au/-/media/project/racqgroup/racq/pdf/insurance/keyfactsheet/household-insurance/household_kfsbld_01092025.pdf?rev=e9a5e33d184445d4b6b658112cd0e54e&hash=FCC26F0FD6AD384C5A6E0615B62E0B3B",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Flood Yes You’re not covered for loss or damage to lawns or grass, swimming pools and spas and their covers and liners, the water in swimming pools and spas, shade or sail cloth and fabric awnings.",
       "url": "https://www.racq.com.au/-/media/project/racqgroup/racq/pdf/insurance/keyfactsheet/household-insurance/household_kfsbld_01092025.pdf?rev=e9a5e33d184445d4b6b658112cd0e54e&hash=FCC26F0FD6AD384C5A6E0615B62E0B3B#page=1",
       "page": 1,
       "document_sha256": "866d21a78e1eaf016f5c0e5c5ba2b9ed439f798404227c82647220dc279271db",
       "confirmed": "2026-11-13"
      }
     },
     "accidental_damage": {
      "text": "You’re not covered for accidental damage if you rent out your home.",
      "url": "https://www.racq.com.au/-/media/project/racqgroup/racq/pdf/insurance/keyfactsheet/household-insurance/household_kfsbld_01092025.pdf?rev=e9a5e33d184445d4b6b658112cd0e54e&hash=FCC26F0FD6AD384C5A6E0615B62E0B3B",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "You’re not covered for accidental damage if you rent out your home.",
       "url": "https://www.racq.com.au/-/media/project/racqgroup/racq/pdf/insurance/keyfactsheet/household-insurance/household_kfsbld_01092025.pdf?rev=e9a5e33d184445d4b6b658112cd0e54e&hash=FCC26F0FD6AD384C5A6E0615B62E0B3B#page=1",
       "page": 1,
       "document_sha256": "866d21a78e1eaf016f5c0e5c5ba2b9ed439f798404227c82647220dc279271db",
       "confirmed": "2026-11-13"
      }
     },
     "eligibility": {
      "text": "Landlords that require full landlord protection for their tenanted property.",
      "url": "https://www.racq.com.au/-/media/project/racqgroup/racq/pdf/insurance/tmd/household-insurance/tmd-household-01092025.pdf?rev=860b131508304d3f864fb17a19820cd6&hash=4055826FE09FB42043D69427D0E64779",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Landlords that require full landlord protection for their tenanted property.",
       "url": "https://www.racq.com.au/-/media/project/racqgroup/racq/pdf/insurance/tmd/household-insurance/tmd-household-01092025.pdf?rev=860b131508304d3f864fb17a19820cd6&hash=4055826FE09FB42043D69427D0E64779#page=3",
       "page": 3,
       "document_sha256": "322bd1208df29f77574c34732cca5acb01a09179bd8c7d63f612bdcfafbe11f0",
       "confirmed": "2026-11-13"
      }
     },
     "unoccupied": {
      "text": "you haven’t told us that your home will be unoccupied for more than 60 days, cover for any loss or damage to your home or your contents will only apply where the loss or damage is caused by one or more of the insured events",
      "url": "https://www.racq.com.au/-/media/project/racqgroup/racq/pdf/insurance/pds/household-insurance/pds-racq-household-insurance-091224-hh2-1224.pdf?rev=cabbbeaace5a47fbb1594d564d010ce4&hash=E43213886CA8CC5E227C8CAFD8C591F1",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "you haven’t told us that your home will be unoccupied for more than 60 days, cover for any loss or damage to your home or your contents will only apply where the loss or damage is caused by one or more of the insured events",
       "url": "https://www.racq.com.au/-/media/project/racqgroup/racq/pdf/insurance/pds/household-insurance/pds-racq-household-insurance-091224-hh2-1224.pdf?rev=cabbbeaace5a47fbb1594d564d010ce4&hash=E43213886CA8CC5E227C8CAFD8C591F1#page=30",
       "page": 30,
       "document_sha256": "c723b9fef669bf51aee79b1823ff6b09aa32bcd3dabf91fa638120ed663caf40",
       "confirmed": "2026-11-13"
      }
     }
    },
    "conditions": [
     "RACQ has no separate landlord product: landlords use the same Household Insurance with 'Tenanted' shown on the certificate of insurance.",
     "Accidental damage, malicious damage or theft by a tenant is an included benefit, but the optional accidental damage cover is not available if you rent out your home."
    ],
    "unoccupied": {
     "days": 60,
     "effect": "reduced_cover",
     "excess": null,
     "excluded_events": null,
     "still_covered": "animal damage, earthquake, flood, impact, lightning, riots, storm, tsunami",
     "must_tell": true,
     "conditions": "Unless you told RACQ beforehand (it may then set security conditions). Also counts as unoccupied if someone stays less than one night a week on average.",
     "then": null,
     "label": "Some events not covered after 60 days"
    },
    "id": "home-insurance-landlord-tenanted-home",
    "type_label": "Landlord",
    "issuers": [
     {
      "name": "RACQ Insurance Limited",
      "abn": "50009704152",
      "afsl": "233082",
      "lloyds": false,
      "slug": "racq-insurance",
      "apra": {
       "status": "authorised",
       "name": "RACQ Insurance 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": "233082",
       "name": "RACQ INSURANCE LIMITED",
       "abn": "50009704152",
       "acn": null,
       "licensed_since": "2003-12-01",
       "locality": "Eight Mile Plains QLD 4113",
       "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": "RACQ Insurance Limited issues your insurance policy and is responsible for the obligations set out in this PDS and any Supplementary Product Disclosure Statement.",
    "url": "https://www.racq.com.au/-/media/project/racqgroup/racq/pdf/insurance/pds/household-insurance/pds-racq-household-insurance-091224-hh2-1224.pdf?rev=cabbbeaace5a47fbb1594d564d010ce4&hash=E43213886CA8CC5E227C8CAFD8C591F1",
    "checked": {
     "status": "found",
     "at": "2026-11-13T00:55:57+00:00"
    },
    "citation": {
     "quote": "RACQ Insurance Limited issues your insurance policy and is responsible for the obligations set out in this PDS and any Supplementary Product Disclosure Statement.",
     "url": "https://www.racq.com.au/-/media/project/racqgroup/racq/pdf/insurance/pds/household-insurance/pds-racq-household-insurance-091224-hh2-1224.pdf?rev=cabbbeaace5a47fbb1594d564d010ce4&hash=E43213886CA8CC5E227C8CAFD8C591F1#page=3",
     "page": 3,
     "document_sha256": "c723b9fef669bf51aee79b1823ff6b09aa32bcd3dabf91fa638120ed663caf40",
     "confirmed": "2026-11-13"
    }
   },
   "distributor": {
    "text": "Provided/Distributed by RACQ Distribution Services Pty Limited, AFS Licence Number 567130, and its authorised representatives.",
    "url": "https://www.racq.com.au/-/media/project/racqgroup/racq/pdf/insurance/keyfactsheet/household-insurance/household_kfsbld_01092025.pdf?rev=e9a5e33d184445d4b6b658112cd0e54e&hash=FCC26F0FD6AD384C5A6E0615B62E0B3B",
    "checked": {
     "status": "found",
     "at": "2026-11-13T00:55:57+00:00"
    },
    "citation": {
     "quote": "Provided/Distributed by RACQ Distribution Services Pty Limited, AFS Licence Number 567130, and its authorised representatives.",
     "url": "https://www.racq.com.au/-/media/project/racqgroup/racq/pdf/insurance/keyfactsheet/household-insurance/household_kfsbld_01092025.pdf?rev=e9a5e33d184445d4b6b658112cd0e54e&hash=FCC26F0FD6AD384C5A6E0615B62E0B3B#page=2",
     "page": 2,
     "document_sha256": "866d21a78e1eaf016f5c0e5c5ba2b9ed439f798404227c82647220dc279271db",
     "confirmed": "2026-11-13"
    }
   }
  },
  "curation_notes": "The file named aig-racq-household-insurance-...pdf on RACQ's site is an 'Additional Information Guide' (AIG), not the insurer AIG. Underwriter is RACQ Insurance Limited. One Household Insurance PDS covers home, contents and landlord use; the TMD lists only Home Insurance and Contents Insurance. No separate high-value-home product found. Cover basis taken from the KFS; the PDS safety-net wording was not found.",
  "segments": [
   "residential"
  ],
  "issuers": [
   {
    "name": "RACQ Insurance Limited",
    "abn": "50009704152",
    "afsl": "233082",
    "lloyds": false,
    "slug": "racq-insurance",
    "apra": {
     "status": "authorised",
     "name": "RACQ Insurance 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": "233082",
     "name": "RACQ INSURANCE LIMITED",
     "abn": "50009704152",
     "acn": null,
     "licensed_since": "2003-12-01",
     "locality": "Eight Mile Plains QLD 4113",
     "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": []
    }
   }
  ],
  "distributor_licence": {
   "afsl": "567130",
   "name": "RACQ DISTRIBUTION SERVICES PTY LTD",
   "abn": "35116361650",
   "acn": null,
   "licensed_since": "2025-06-06",
   "locality": "Eight Mile Plains QLD 4113",
   "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"
   }
  },
  "page": "https://deepalmanac.com/au/insurance/building/racq/",
  "json": "https://deepalmanac.com/au/insurance/building/v1/brands/racq.json"
 }
}