{
 "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": "ract",
  "name": "RACT",
  "website": "https://www.ract.com.au/",
  "kind": "insurer",
  "underwriter": "RACT Insurance Pty Ltd",
  "underwriter_abn": "96068167804",
  "underwriter_afsl": "229076",
  "lloyds": false,
  "distributor": null,
  "products": [
   {
    "name": "RACT Home, Contents and Portable Items Insurance (Home Building cover)",
    "type": "home_building",
    "segment": "residential",
    "channel": "direct",
    "online_quote": true,
    "cover_basis": "sum_insured_buffer",
    "buffer_percent": 25,
    "flood": "included",
    "accidental_damage": "optional",
    "levels": [],
    "eligibility": "Customers wanting cover for a home building in Tasmania (TMD).",
    "states": [
     "TAS"
    ],
    "documents": [
     {
      "title": "Home Insurance PDS (1 September 2021)",
      "url": "https://www.datocms-assets.com/49357/1626741248-racticdd002-home-insurance-pds-web-september-2021.pdf",
      "date": "2021-09-01"
     },
     {
      "title": "Supplementary PDS - Home Insurance (effective 9 November 2023)",
      "url": "https://www.datocms-assets.com/49357/1695960905-ract9574-spds-home-insurance-web-op.pdf",
      "date": "2023-11-09"
     },
     {
      "title": "Key Facts Sheet - Home Building (3 October 2023)",
      "url": "https://www.datocms-assets.com/49357/1696328120-home-and-contents-insurance-key-fact-sheet-3-october-2023.pdf",
      "date": "2023-10-03"
     },
     {
      "title": "Target Market Determination - Home (effective 5 March 2026)",
      "url": "https://www.datocms-assets.com/49357/1772606459-home-tmd-5-march-2026.pdf",
      "date": "2026-03-05"
     }
    ],
    "quotes": {
     "product": {
      "text": "This Product provides cover for loss or damage to home buildings, contents and/or portable items, which customers can choose from to meet their individual needs.",
      "url": "https://www.datocms-assets.com/49357/1772606459-home-tmd-5-march-2026.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "This Product provides cover for loss or damage to home buildings, contents and/or portable items, which customers can choose from to meet their individual needs.",
       "url": "https://www.datocms-assets.com/49357/1772606459-home-tmd-5-march-2026.pdf#page=1",
       "page": 1,
       "document_sha256": "7ee48ad4c8228dd2191e8d14fc548e729c635d2235b6c56d4c56266241ad876e",
       "confirmed": "2026-11-13"
      }
     },
     "channel": {
      "text": "Distribution of the Product is only conducted through: o Royal Automobile Club of Tasmania (RACT) call centres o RACT’s website o RACT’s store network",
      "url": "https://www.datocms-assets.com/49357/1772606459-home-tmd-5-march-2026.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Distribution of the Product is only conducted through: o Royal Automobile Club of Tasmania (RACT) call centres o RACT’s website o RACT’s store network",
       "url": "https://www.datocms-assets.com/49357/1772606459-home-tmd-5-march-2026.pdf#page=4",
       "page": 4,
       "document_sha256": "7ee48ad4c8228dd2191e8d14fc548e729c635d2235b6c56d4c56266241ad876e",
       "confirmed": "2026-11-13"
      }
     },
     "cover_basis": {
      "text": "Under this policy you set the maximum level of cover and the insurer may provide you with some agreed extra cover above that amount (Sum insured plus safety net).",
      "url": "https://www.datocms-assets.com/49357/1696328120-home-and-contents-insurance-key-fact-sheet-3-october-2023.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Under this policy you set the maximum level of cover and the insurer may provide you with some agreed extra cover above that amount (Sum insured plus safety net).",
       "url": "https://www.datocms-assets.com/49357/1696328120-home-and-contents-insurance-key-fact-sheet-3-october-2023.pdf#page=1",
       "page": 1,
       "document_sha256": "4dd9c5b799478645035a6a4daeb2ca98b9a25b12f6d9c59917c25f37e7cb3832",
       "confirmed": "2026-11-13"
      }
     },
     "buffer_percent": {
      "text": "An additional amount above your sum insured to: • repair damage; or • rebuild your home; when the cost of repairing or rebuilding your home following an insured event exceeds the sum insured. Limit: Up to 25% of the sum insured.",
      "url": "https://www.datocms-assets.com/49357/1626741248-racticdd002-home-insurance-pds-web-september-2021.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "An additional amount above your sum insured to: • repair damage; or • rebuild your home; when the cost of repairing or rebuilding your home following an insured event exceeds the sum insured. Limit: Up to 25% of the sum insured.",
       "url": "https://www.datocms-assets.com/49357/1626741248-racticdd002-home-insurance-pds-web-september-2021.pdf#page=36",
       "page": 36,
       "document_sha256": "0df908eb487db447767761996bba247b13fd9fc22b47c82035cce6050d386336",
       "confirmed": "2026-11-13"
      }
     },
     "flood": {
      "text": "Flood Yes Flood damage to loose or compacted materials, such as gravel, pebbles, rocks, bricks, sand or earth on roads, driveways or paths is not covered.",
      "url": "https://www.datocms-assets.com/49357/1696328120-home-and-contents-insurance-key-fact-sheet-3-october-2023.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Flood Yes Flood damage to loose or compacted materials, such as gravel, pebbles, rocks, bricks, sand or earth on roads, driveways or paths is not covered.",
       "url": "https://www.datocms-assets.com/49357/1696328120-home-and-contents-insurance-key-fact-sheet-3-october-2023.pdf#page=1",
       "page": 1,
       "document_sha256": "4dd9c5b799478645035a6a4daeb2ca98b9a25b12f6d9c59917c25f37e7cb3832",
       "confirmed": "2026-11-13"
      }
     },
     "accidental_damage": {
      "text": "Optional cover – Accidental Damage This cover is suitable for: • Customers who need cover for loss or damage to their home or contents that is caused accidentally and unintentionally.",
      "url": "https://www.datocms-assets.com/49357/1772606459-home-tmd-5-march-2026.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Optional cover – Accidental Damage This cover is suitable for: • Customers who need cover for loss or damage to their home or contents that is caused accidentally and unintentionally.",
       "url": "https://www.datocms-assets.com/49357/1772606459-home-tmd-5-march-2026.pdf#page=3",
       "page": 3,
       "document_sha256": "7ee48ad4c8228dd2191e8d14fc548e729c635d2235b6c56d4c56266241ad876e",
       "confirmed": "2026-11-13"
      }
     },
     "eligibility": {
      "text": "The Product's Home Building and Contents covers provide cover against loss or damage to a customer's home building in Tasmania",
      "url": "https://www.datocms-assets.com/49357/1772606459-home-tmd-5-march-2026.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "The Product's Home Building and Contents covers provide cover against loss or damage to a customer's home building in Tasmania",
       "url": "https://www.datocms-assets.com/49357/1772606459-home-tmd-5-march-2026.pdf#page=1",
       "page": 1,
       "document_sha256": "7ee48ad4c8228dd2191e8d14fc548e729c635d2235b6c56d4c56266241ad876e",
       "confirmed": "2026-11-13"
      }
     },
     "unoccupied": {
      "text": "If your home becomes unoccupied for more than 60 consecutive days, there is no cover for some insured events unless you have told us and we have agreed to cover this, and it is shown on your current schedule.",
      "url": "https://www.datocms-assets.com/49357/1626741248-racticdd002-home-insurance-pds-web-september-2021.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "If your home becomes unoccupied for more than 60 consecutive days, there is no cover for some insured events unless you have told us and we have agreed to cover this, and it is shown on your current schedule.",
       "url": "https://www.datocms-assets.com/49357/1626741248-racticdd002-home-insurance-pds-web-september-2021.pdf#page=8",
       "page": 8,
       "document_sha256": "0df908eb487db447767761996bba247b13fd9fc22b47c82035cce6050d386336",
       "confirmed": "2026-11-13"
      }
     }
    },
    "conditions": [
     "The KFS (October 2023) says there is no cover for bushfire, tsunami, storm or flood in the first 72 hours of a new policy per the PDS (some exceptions apply).",
     "Optional Accidental Damage cover is not suitable for customers who have a renter, tenant, guest or boarder in any part of the home."
    ],
    "unoccupied": {
     "days": 60,
     "effect": "reduced_cover",
     "excess": null,
     "excluded_events": "fire (but not bushfire), escape of liquid, theft or burglary, intentional or malicious damage, explosion",
     "still_covered": null,
     "must_tell": true,
     "conditions": "Unless you told RACT and it agreed (shown on the schedule). Otherwise RACT pays only the part of the loss you prove the vacancy did not cause.",
     "then": null,
     "label": "Some events not covered after 60 days"
    },
    "id": "home-contents-and-portable-items-insurance-home-building-cover",
    "type_label": "Home building",
    "issuers": [
     {
      "name": "RACT Insurance Pty Ltd",
      "abn": "96068167804",
      "afsl": "229076",
      "lloyds": false,
      "slug": "ract-insurance",
      "apra": {
       "status": "authorised",
       "name": "RACT Insurance Pty. Ltd",
       "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": "229076",
       "name": "RACT INSURANCE PTY. LTD.",
       "abn": "96068167804",
       "acn": null,
       "licensed_since": "2003-06-16",
       "locality": "Hobart TAS 7000",
       "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": "RACT Investor Insurance (Investor Basic and Investor Plus)",
    "type": "landlord",
    "segment": "residential",
    "channel": "direct",
    "online_quote": true,
    "cover_basis": "sum_insured_buffer",
    "buffer_percent": 25,
    "flood": "included",
    "accidental_damage": null,
    "levels": [
     "Investor Basic",
     "Investor Plus"
    ],
    "eligibility": "Landlords with a residential building used as a tenanted property in Tasmania (TMD).",
    "states": [
     "TAS"
    ],
    "documents": [
     {
      "title": "Investor Insurance PDS (1 September 2021)",
      "url": "https://www.datocms-assets.com/49357/1626741279-racticdd002-investor-insurance-pds-web-september-2021.pdf",
      "date": "2021-09-01"
     },
     {
      "title": "Supplementary PDS - Investor Insurance (effective 9 November 2023)",
      "url": "https://www.datocms-assets.com/49357/1695960947-ract9574-spds-investor-insurance-web-op.pdf",
      "date": "2023-11-09"
     },
     {
      "title": "Target Market Determination - Investor (effective 5 March 2026)",
      "url": "https://www.datocms-assets.com/49357/1772606459-investor-tmd-5-march-2026.pdf",
      "date": "2026-03-05"
     }
    ],
    "quotes": {
     "product": {
      "text": "This Product provides cover to landlords for loss or damage to residential buildings that are used as tenanted properties and to the landlord's contents.",
      "url": "https://www.datocms-assets.com/49357/1772606459-investor-tmd-5-march-2026.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "This Product provides cover to landlords for loss or damage to residential buildings that are used as tenanted properties and to the landlord's contents.",
       "url": "https://www.datocms-assets.com/49357/1772606459-investor-tmd-5-march-2026.pdf#page=1",
       "page": 1,
       "document_sha256": "88a2008b4b155195a1a3cfbaf49dcab77be74038da83a5fa8a2fa17540d62f9f",
       "confirmed": "2026-11-13"
      }
     },
     "channel": {
      "text": "Distribution of the Product is only conducted through: o Royal Automobile Club of Tasmania (RACT) call centres o RACT’s website o RACT’s store network",
      "url": "https://www.datocms-assets.com/49357/1772606459-investor-tmd-5-march-2026.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Distribution of the Product is only conducted through: o Royal Automobile Club of Tasmania (RACT) call centres o RACT’s website o RACT’s store network",
       "url": "https://www.datocms-assets.com/49357/1772606459-investor-tmd-5-march-2026.pdf#page=4",
       "page": 4,
       "document_sha256": "88a2008b4b155195a1a3cfbaf49dcab77be74038da83a5fa8a2fa17540d62f9f",
       "confirmed": "2026-11-13"
      }
     },
     "cover_basis": {
      "text": "An additional amount above your sum insured to: • repair damage; or • rebuild your building; when the cost of repairing or rebuilding your building following an insured event exceeds the sum insured. Limit: Up to 25% of the sum insured.",
      "url": "https://www.datocms-assets.com/49357/1626741279-racticdd002-investor-insurance-pds-web-september-2021.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "An additional amount above your sum insured to: • repair damage; or • rebuild your building; when the cost of repairing or rebuilding your building following an insured event exceeds the sum insured. Limit: Up to 25% of the sum insured.",
       "url": "https://www.datocms-assets.com/49357/1626741279-racticdd002-investor-insurance-pds-web-september-2021.pdf#page=34",
       "page": 34,
       "document_sha256": "88627f0edd70653879f076c92c9981bb0d51eb3eab689c78a1b24294455ccca2",
       "confirmed": "2026-11-13"
      }
     },
     "buffer_percent": {
      "text": "An additional amount above your sum insured to: • repair damage; or • rebuild your building; when the cost of repairing or rebuilding your building following an insured event exceeds the sum insured. Limit: Up to 25% of the sum insured.",
      "url": "https://www.datocms-assets.com/49357/1626741279-racticdd002-investor-insurance-pds-web-september-2021.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "An additional amount above your sum insured to: • repair damage; or • rebuild your building; when the cost of repairing or rebuilding your building following an insured event exceeds the sum insured. Limit: Up to 25% of the sum insured.",
       "url": "https://www.datocms-assets.com/49357/1626741279-racticdd002-investor-insurance-pds-web-september-2021.pdf#page=34",
       "page": 34,
       "document_sha256": "88627f0edd70653879f076c92c9981bb0d51eb3eab689c78a1b24294455ccca2",
       "confirmed": "2026-11-13"
      }
     },
     "flood": {
      "text": "the following specified insured events: • Fire • Lightning • Earthquake or Tsunami • Storm • Flood",
      "url": "https://www.datocms-assets.com/49357/1772606459-investor-tmd-5-march-2026.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "the following specified insured events: • Fire • Lightning • Earthquake or Tsunami • Storm • Flood",
       "url": "https://www.datocms-assets.com/49357/1772606459-investor-tmd-5-march-2026.pdf#page=1",
       "page": 1,
       "document_sha256": "88a2008b4b155195a1a3cfbaf49dcab77be74038da83a5fa8a2fa17540d62f9f",
       "confirmed": "2026-11-13"
      }
     },
     "eligibility": {
      "text": "This Product provides cover to landlords for loss or damage to residential buildings that are used as tenanted properties and to the landlord's contents.",
      "url": "https://www.datocms-assets.com/49357/1772606459-investor-tmd-5-march-2026.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "This Product provides cover to landlords for loss or damage to residential buildings that are used as tenanted properties and to the landlord's contents.",
       "url": "https://www.datocms-assets.com/49357/1772606459-investor-tmd-5-march-2026.pdf#page=1",
       "page": 1,
       "document_sha256": "88a2008b4b155195a1a3cfbaf49dcab77be74038da83a5fa8a2fa17540d62f9f",
       "confirmed": "2026-11-13"
      }
     },
     "unoccupied": {
      "text": "If your building becomes unoccupied for more than 60 consecutive days, there is no cover for some insured events unless you have told us and we have agreed to cover this, and it is shown on your current schedule.",
      "url": "https://www.datocms-assets.com/49357/1626741279-racticdd002-investor-insurance-pds-web-september-2021.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "If your building becomes unoccupied for more than 60 consecutive days, there is no cover for some insured events unless you have told us and we have agreed to cover this, and it is shown on your current schedule.",
       "url": "https://www.datocms-assets.com/49357/1626741279-racticdd002-investor-insurance-pds-web-september-2021.pdf#page=8",
       "page": 8,
       "document_sha256": "88627f0edd70653879f076c92c9981bb0d51eb3eab689c78a1b24294455ccca2",
       "confirmed": "2026-11-13"
      }
     }
    },
    "conditions": [
     "Investor Plus adds cover for theft and malicious damage by tenants and loss of rent; Investor Basic is the standard cover for tenanted properties.",
     "No optional accidental damage cover is offered for tenanted homes (the Home TMD says Accidental Damage is not suitable where a tenant occupies part of the home)."
    ],
    "unoccupied": {
     "days": 60,
     "effect": "reduced_cover",
     "excess": null,
     "excluded_events": "fire (but not bushfire), escape of liquid, theft or burglary, intentional or malicious damage, explosion",
     "still_covered": null,
     "must_tell": true,
     "conditions": "Unless you told RACT and it agreed (shown on the schedule). Otherwise RACT pays only if you prove no part of the loss was caused by the vacancy.",
     "then": null,
     "label": "Some events not covered after 60 days"
    },
    "id": "investor-insurance-investor-basic-and-investor-plus",
    "type_label": "Landlord",
    "issuers": [
     {
      "name": "RACT Insurance Pty Ltd",
      "abn": "96068167804",
      "afsl": "229076",
      "lloyds": false,
      "slug": "ract-insurance",
      "apra": {
       "status": "authorised",
       "name": "RACT Insurance Pty. Ltd",
       "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": "229076",
       "name": "RACT INSURANCE PTY. LTD.",
       "abn": "96068167804",
       "acn": null,
       "licensed_since": "2003-06-16",
       "locality": "Hobart TAS 7000",
       "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": "RACT Strata Building Insurance",
    "type": "residential_strata",
    "segment": "residential",
    "channel": "direct",
    "online_quote": false,
    "cover_basis": null,
    "buffer_percent": null,
    "flood": "included",
    "accidental_damage": null,
    "levels": [],
    "states": [
     "TAS"
    ],
    "documents": [
     {
      "title": "Strata Building Insurance Product Disclosure Statement",
      "url": "https://www.datocms-assets.com/49357/1626741309-racticdd002-strata-pds-web-september-2021.pdf",
      "date": "2021-09-01"
     },
     {
      "title": "Supplementary Product Disclosure Statement",
      "url": "https://www.datocms-assets.com/49357/1695960984-ract9574-spds-strata-insurance-web-op.pdf",
      "date": "2023-11-01"
     },
     {
      "title": "Target Market Determination",
      "url": "https://www.datocms-assets.com/49357/1772606458-strata-tmd-5-march-2026.pdf",
      "date": "2026-03-05"
     }
    ],
    "quotes": {
     "product": {
      "text": "This Product provides cover for loss or damage to strata buildings, as well as associated costs and expenses.",
      "url": "https://www.datocms-assets.com/49357/1772606458-strata-tmd-5-march-2026.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "This Product provides cover for loss or damage to strata buildings, as well as associated costs and expenses.",
       "url": "https://www.datocms-assets.com/49357/1772606458-strata-tmd-5-march-2026.pdf#page=1",
       "page": 1,
       "document_sha256": "75c15236cd0a9b0587c6d404170852548b099920ac186b64f8b49b36d461ce8c",
       "confirmed": "2026-11-13"
      }
     },
     "channel": {
      "text": "Call us for a quote on 13 27 22",
      "url": "https://www.ract.com.au/insurance-and-finance/strata-insurance",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Call us for a quote on 13 27 22",
       "url": "https://www.ract.com.au/insurance-and-finance/strata-insurance#:~:text=Call%20us%20for%20a%20quote%20on%2013%2027%2022",
       "document_sha256": "0380d4112d0db8f542303bff2d912f5c0baee8a18cb1ea233eaccf5917b3cc91",
       "confirmed": "2026-11-13"
      }
     },
     "online_quote": {
      "text": "Call us for a quote on 13 27 22",
      "url": "https://www.ract.com.au/insurance-and-finance/strata-insurance",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Call us for a quote on 13 27 22",
       "url": "https://www.ract.com.au/insurance-and-finance/strata-insurance#:~:text=Call%20us%20for%20a%20quote%20on%2013%2027%2022",
       "document_sha256": "0380d4112d0db8f542303bff2d912f5c0baee8a18cb1ea233eaccf5917b3cc91",
       "confirmed": "2026-11-13"
      }
     },
     "flood": {
      "text": "Loss or damage to your strata building caused by or resulting from flood.",
      "url": "https://www.datocms-assets.com/49357/1626741309-racticdd002-strata-pds-web-september-2021.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Loss or damage to your strata building caused by or resulting from flood.",
       "url": "https://www.datocms-assets.com/49357/1626741309-racticdd002-strata-pds-web-september-2021.pdf#page=25",
       "page": 25,
       "document_sha256": "b90a45f4f13bcd371a912a4179f495279b3e66d4d643f626687ad1b7faccc9b6",
       "confirmed": "2026-11-13"
      }
     },
     "eligibility": {
      "text": "Own a strata building as defined by the Strata Titles Act 1998 in Tasmania",
      "url": "https://www.datocms-assets.com/49357/1772606458-strata-tmd-5-march-2026.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Own a strata building as defined by the Strata Titles Act 1998 in Tasmania",
       "url": "https://www.datocms-assets.com/49357/1772606458-strata-tmd-5-march-2026.pdf#page=2",
       "page": 2,
       "document_sha256": "75c15236cd0a9b0587c6d404170852548b099920ac186b64f8b49b36d461ce8c",
       "confirmed": "2026-11-13"
      }
     },
     "states": {
      "text": "Our strata insurance coverage is available for strata properties located in Tasmania.",
      "url": "https://www.ract.com.au/insurance-and-finance/strata-insurance",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Our strata insurance coverage is available for strata properties located in Tasmania.",
       "url": "https://www.ract.com.au/insurance-and-finance/strata-insurance#:~:text=Our%20strata%20insurance%20coverage%20is,strata%20properties%20located%20in%20Tasmania.",
       "document_sha256": "0380d4112d0db8f542303bff2d912f5c0baee8a18cb1ea233eaccf5917b3cc91",
       "confirmed": "2026-11-13"
      }
     },
     "unoccupied": {
      "text": "If your entire strata building becomes unoccupied for more than 60 consecutive days, there is no cover for some insured events unless you have told us and we have agreed to cover this, and it is shown on your current schedule.",
      "url": "https://www.datocms-assets.com/49357/1626741309-racticdd002-strata-pds-web-september-2021.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "If your entire strata building becomes unoccupied for more than 60 consecutive days, there is no cover for some insured events unless you have told us and we have agreed to cover this, and it is shown on your current schedule.",
       "url": "https://www.datocms-assets.com/49357/1626741309-racticdd002-strata-pds-web-september-2021.pdf#page=8",
       "page": 8,
       "document_sha256": "b90a45f4f13bcd371a912a4179f495279b3e66d4d643f626687ad1b7faccc9b6",
       "confirmed": "2026-11-13"
      }
     }
    },
    "eligibility": "Bodies corporate and owners of strata buildings in Tasmania wanting cover for loss or damage from specified insured events, plus office bearers' liability; not for buildings used for business, hotel, B&B or homeshare without RACT's agreement.",
    "conditions": [
     "Cover is for specified insured events (fire, storm, flood, theft and so on); the PDS does not list accidental damage as a separate insured event.",
     "Flood, storm, bushfire and tsunami cover does not start until 72 hours after the policy begins (some exceptions).",
     "Safety net pays up to an extra 25% of the sum insured if the rebuild costs more."
    ],
    "unoccupied": {
     "days": 60,
     "effect": "reduced_cover",
     "excess": null,
     "excluded_events": "fire (but not bushfire), escape of liquid, theft or burglary, intentional or malicious damage, explosion",
     "still_covered": null,
     "must_tell": true,
     "conditions": "Only if the entire strata building is unoccupied; unless RACT agreed. Otherwise RACT pays the part of the loss you prove the vacancy did not cause.",
     "then": null,
     "label": "Some events not covered after 60 days"
    },
    "id": "strata-building-insurance",
    "type_label": "Residential strata",
    "issuers": [
     {
      "name": "RACT Insurance Pty Ltd",
      "abn": "96068167804",
      "afsl": "229076",
      "lloyds": false,
      "slug": "ract-insurance",
      "apra": {
       "status": "authorised",
       "name": "RACT Insurance Pty. Ltd",
       "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": "229076",
       "name": "RACT INSURANCE PTY. LTD.",
       "abn": "96068167804",
       "acn": null,
       "licensed_since": "2003-06-16",
       "locality": "Hobart TAS 7000",
       "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 RACT Insurance Pty Ltd ABN 96 068 167 804 License No 229076.",
    "url": "https://www.datocms-assets.com/49357/1696328120-home-and-contents-insurance-key-fact-sheet-3-october-2023.pdf",
    "checked": {
     "status": "found",
     "at": "2026-11-13T00:55:57+00:00"
    },
    "citation": {
     "quote": "Underwritten by RACT Insurance Pty Ltd ABN 96 068 167 804 License No 229076.",
     "url": "https://www.datocms-assets.com/49357/1696328120-home-and-contents-insurance-key-fact-sheet-3-october-2023.pdf#page=2",
     "page": 2,
     "document_sha256": "4dd9c5b799478645035a6a4daeb2ca98b9a25b12f6d9c59917c25f37e7cb3832",
     "confirmed": "2026-11-13"
    }
   }
  },
  "curation_notes": "RACT's documents page lists the PDSs dated September 2021 plus SPDS (November 2023) and TMDs dated 5 March 2026; the Home KFS is dated October 2023. No separate Key Facts Sheet for Investor Insurance was found. Strata Insurance is a separate product (not in scope). No high-value-home product found.",
  "segments": [
   "residential"
  ],
  "issuers": [
   {
    "name": "RACT Insurance Pty Ltd",
    "abn": "96068167804",
    "afsl": "229076",
    "lloyds": false,
    "slug": "ract-insurance",
    "apra": {
     "status": "authorised",
     "name": "RACT Insurance Pty. Ltd",
     "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": "229076",
     "name": "RACT INSURANCE PTY. LTD.",
     "abn": "96068167804",
     "acn": null,
     "licensed_since": "2003-06-16",
     "locality": "Hobart TAS 7000",
     "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": null,
  "page": "https://deepalmanac.com/au/insurance/building/ract/",
  "json": "https://deepalmanac.com/au/insurance/building/v1/brands/ract.json"
 }
}