{
 "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": "racv",
  "name": "RACV",
  "website": "https://www.racv.com.au/insurance/home-insurance.html",
  "kind": "brand",
  "underwriter": "Insurance Manufacturers of Australia Pty Limited",
  "underwriter_abn": "93004208084",
  "underwriter_afsl": "227678",
  "lloyds": false,
  "distributor": {
   "name": "RACV Insurance Services Pty Ltd",
   "abn": "74004131800",
   "afsl": "230039",
   "authorised_representative_no": null
  },
  "products": [
   {
    "name": "RACV Home Buildings Insurance",
    "type": "home_building",
    "segment": "residential",
    "channel": "direct",
    "online_quote": null,
    "cover_basis": "sum_insured",
    "buffer_percent": null,
    "flood": "included_can_remove",
    "accidental_damage": "optional",
    "levels": [],
    "eligibility": "Private residential buildings (free standing house, townhouse, villa, duplex, semi-detached or terrace) that are not under a registered body corporate; owner primary residence, holiday home or rented-out home.",
    "states": null,
    "documents": [
     {
      "title": "Product Disclosure Statement and Policy Booklet (prepared 2 August 2022; amended by SPDS effective 11 October 2023)",
      "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/home-insurance/pds/home-insurance-pds-current.pdf",
      "date": "2022-08-02"
     },
     {
      "title": "Key Facts Sheet - Home Buildings",
      "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/home-insurance/kfs/key-facts-home-building-policy-current.pdf",
      "date": "2023-10-10"
     },
     {
      "title": "Target Market Determination TMDHBC003",
      "url": "https://www.iag.com.au/tmd/TMDHBC003",
      "date": "2026-04-27"
     },
     {
      "title": "Financial Services Guide",
      "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/financial-services-guides/financial-services-guide-home-landlord-motor-vvc.pdf",
      "date": null
     }
    ],
    "quotes": {
     "product": {
      "text": "Award-winning cover to help protect your home and contents, or insure both and save up to 10% with a multi-policy discount.",
      "url": "https://www.racv.com.au/insurance/home-insurance.html",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Award-winning cover to help protect your home and contents, or insure both and save up to 10% with a multi-policy discount.",
       "url": "https://www.racv.com.au/insurance/home-insurance.html#:~:text=Award%2Dwinning%20cover%20to%20help%20protect,10%25%20with%20a%20multi%2Dpolicy%20discount.",
       "document_sha256": "152cdba1bb5b6d0e0e4068d51cc1ea083c2c3b9092b8061b3e6717cbb13a2ff8",
       "confirmed": "2026-11-13"
      }
     },
     "channel": {
      "text": "This product is designed to be distributed by us or our distributors through the following means, where authorised: – Online – In shops and agencies – By calling contact centres",
      "url": "https://www.iag.com.au/tmd/TMDHBC003",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "This product is designed to be distributed by us or our distributors through the following means, where authorised: – Online – In shops and agencies – By calling contact centres",
       "url": "https://www.iag.com.au/tmd/TMDHBC003#page=3",
       "page": 3,
       "document_sha256": "f2041f1e15f83f7df37036132a5effde28e5a1dbdf05326e7d2204e2695727fd",
       "confirmed": "2026-11-13"
      }
     },
     "cover_basis": {
      "text": "The Buildings sum insured is the amount of insurance you choose to cover your home.",
      "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/home-insurance/pds/home-insurance-pds-current.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "The Buildings sum insured is the amount of insurance you choose to cover your home.",
       "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/home-insurance/pds/home-insurance-pds-current.pdf#page=19",
       "page": 19,
       "document_sha256": "6888b745d89cc8ad672e91991753f9c7834d19ee9279f9ce7df5875018b66adf",
       "confirmed": "2026-11-13"
      }
     },
     "flood": {
      "text": "if we have identified your home is at risk of flooding, you may choose to remove this cover.",
      "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/home-insurance/pds/home-insurance-pds-current.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "if we have identified your home is at risk of flooding, you may choose to remove this cover.",
       "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/home-insurance/pds/home-insurance-pds-current.pdf#page=37",
       "page": 37,
       "document_sha256": "6888b745d89cc8ad672e91991753f9c7834d19ee9279f9ce7df5875018b66adf",
       "confirmed": "2026-11-13"
      }
     },
     "eligibility": {
      "text": "Providing cover for a private residential building, including the fixtures and fittings, such as a: • Free standing house • Townhouse, villa or duplex • Semi-detached house or terrace",
      "url": "https://www.iag.com.au/tmd/TMDHBC003",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Providing cover for a private residential building, including the fixtures and fittings, such as a: • Free standing house • Townhouse, villa or duplex • Semi-detached house or terrace",
       "url": "https://www.iag.com.au/tmd/TMDHBC003#page=1",
       "page": 1,
       "document_sha256": "f2041f1e15f83f7df37036132a5effde28e5a1dbdf05326e7d2204e2695727fd",
       "confirmed": "2026-11-13"
      }
     },
     "accidental_damage": {
      "text": "You can also purchase optional cover for ‘Accidental damage’ to your home.",
      "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/home-insurance/kfs/key-facts-home-building-policy-current.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "You can also purchase optional cover for ‘Accidental damage’ to your home.",
       "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/home-insurance/kfs/key-facts-home-building-policy-current.pdf#page=1",
       "page": 1,
       "document_sha256": "cfede283cf0ff1318c6bee22f5bf8308cd699067ada55050ea58f3159940bd94",
       "confirmed": "2026-11-13"
      }
     },
     "unoccupied": {
      "text": "you leaving your home unoccupied for 60 consecutive days or more and not maintaining it in a lived-in state by:",
      "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/home-insurance/pds/home-insurance-pds-current.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "you leaving your home unoccupied for 60 consecutive days or more and not maintaining it in a lived-in state by:",
       "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/home-insurance/pds/home-insurance-pds-current.pdf#page=76",
       "page": 76,
       "document_sha256": "6888b745d89cc8ad672e91991753f9c7834d19ee9279f9ce7df5875018b66adf",
       "confirmed": "2026-11-13"
      }
     }
    },
    "conditions": [
     "Flood cover can be removed only if RACV has identified the home as at risk of flooding and agrees; removing it also removes storm surge and rainwater run-off cover.",
     "Buildings under a registered body corporate are not eligible.",
     "Home and landlord policies are distributed to members of Royal Automobile Club of Victoria (RACV) Ltd by RACV Insurance Services Pty Ltd."
    ],
    "unoccupied": {
     "days": 60,
     "effect": "no_cover",
     "excess": null,
     "excluded_events": null,
     "still_covered": null,
     "must_tell": null,
     "conditions": "Only if the home is also not kept in a lived-in state (lawns mowed, mail stopped, someone checking inside and out weekly).",
     "then": null,
     "label": "No cover after 60 days"
    },
    "id": "home-buildings-insurance",
    "type_label": "Home building",
    "issuers": [
     {
      "name": "Insurance Manufacturers of Australia Pty Limited",
      "abn": "93004208084",
      "afsl": "227678",
      "lloyds": false,
      "slug": "insurance-manufacturers-of-australia",
      "apra": {
       "status": "authorised",
       "name": "Insurance Manufacturers of Australia Pty 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": "227678",
       "name": "INSURANCE MANUFACTURERS OF AUSTRALIA PTY LIMITED",
       "abn": "93004208084",
       "acn": null,
       "licensed_since": "2003-07-28",
       "locality": "Sydney NSW 2000",
       "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": "RACV Landlord Buildings Insurance",
    "type": "landlord",
    "segment": "residential",
    "channel": "direct",
    "online_quote": null,
    "cover_basis": "sum_insured",
    "buffer_percent": null,
    "flood": "included_can_remove",
    "accidental_damage": null,
    "levels": [],
    "eligibility": "Private residential buildings (free standing house, townhouse, villa, duplex, semi-detached or terrace) that are not under a registered body corporate; rented out to tenants.",
    "states": null,
    "documents": [
     {
      "title": "Product Disclosure Statement and Policy Booklet (prepared 2 August 2022; amended by SPDS effective 11 October 2023)",
      "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/home-insurance/pds/landlord-insurance-pds-current.pdf",
      "date": "2022-08-02"
     },
     {
      "title": "Target Market Determination TMDLBC004",
      "url": "https://www.iag.com.au/tmd/TMDLBC004",
      "date": "2026-04-27"
     },
     {
      "title": "Financial Services Guide",
      "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/financial-services-guides/financial-services-guide-home-landlord-motor-vvc.pdf",
      "date": null
     }
    ],
    "quotes": {
     "product": {
      "text": "Cover designed especially for landlords With options to protect your rental property, the furniture you provide tenants, or both.",
      "url": "https://www.racv.com.au/insurance/home-insurance/landlord.html",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Cover designed especially for landlords With options to protect your rental property, the furniture you provide tenants, or both.",
       "url": "https://www.racv.com.au/insurance/home-insurance/landlord.html#:~:text=Cover%20designed%20especially%20for%20landlords,you%20provide%20tenants%2C%20or%20both.",
       "document_sha256": "8f4445d67a185f6137e2be8ed16e4b6a6e08324ab31358a99aae84ffa56481b4",
       "confirmed": "2026-11-13"
      }
     },
     "channel": {
      "text": "This product is designed to be distributed by us or our distributors through the following means, where authorised: – Online – In shops and agencies – By calling contact centres",
      "url": "https://www.iag.com.au/tmd/TMDLBC004",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "This product is designed to be distributed by us or our distributors through the following means, where authorised: – Online – In shops and agencies – By calling contact centres",
       "url": "https://www.iag.com.au/tmd/TMDLBC004#page=3",
       "page": 3,
       "document_sha256": "cefdb0d01d6d75e7072f93c1e866370d38fd5622fcf49c587b62fc1bcad90f00",
       "confirmed": "2026-11-13"
      }
     },
     "cover_basis": {
      "text": "The Buildings sum insured is the amount of insurance you choose to cover your rental property.",
      "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/home-insurance/pds/landlord-insurance-pds-current.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "The Buildings sum insured is the amount of insurance you choose to cover your rental property.",
       "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/home-insurance/pds/landlord-insurance-pds-current.pdf#page=18",
       "page": 18,
       "document_sha256": "0d6cbaac3bcbcd2dcc0ec37ff2f2d846c4508cdfc6f1d263925e490235f2880d",
       "confirmed": "2026-11-13"
      }
     },
     "flood": {
      "text": "If you do that and we agree, we will also remove cover for flood and storm surge cover.",
      "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/home-insurance/pds/landlord-insurance-pds-current.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "If you do that and we agree, we will also remove cover for flood and storm surge cover.",
       "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/home-insurance/pds/landlord-insurance-pds-current.pdf#page=36",
       "page": 36,
       "document_sha256": "0d6cbaac3bcbcd2dcc0ec37ff2f2d846c4508cdfc6f1d263925e490235f2880d",
       "confirmed": "2026-11-13"
      }
     },
     "eligibility": {
      "text": "Providing cover for a private residential building, including the fixtures and fittings, such as a: • Free standing house • Townhouse, villa or duplex • Semi-detached house or terrace",
      "url": "https://www.iag.com.au/tmd/TMDLBC004",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Providing cover for a private residential building, including the fixtures and fittings, such as a: • Free standing house • Townhouse, villa or duplex • Semi-detached house or terrace",
       "url": "https://www.iag.com.au/tmd/TMDLBC004#page=1",
       "page": 1,
       "document_sha256": "cefdb0d01d6d75e7072f93c1e866370d38fd5622fcf49c587b62fc1bcad90f00",
       "confirmed": "2026-11-13"
      }
     },
     "unoccupied": {
      "text": "you leaving your rental property unoccupied for 30 consecutive days or more and not maintaining it in a lived-in state by:",
      "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/home-insurance/pds/landlord-insurance-pds-current.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "you leaving your rental property unoccupied for 30 consecutive days or more and not maintaining it in a lived-in state by:",
       "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/home-insurance/pds/landlord-insurance-pds-current.pdf#page=60",
       "page": 60,
       "document_sha256": "0d6cbaac3bcbcd2dcc0ec37ff2f2d846c4508cdfc6f1d263925e490235f2880d",
       "confirmed": "2026-11-13"
      }
     }
    },
    "conditions": [
     "Flood cover can be removed only if RACV has identified the property as at risk and agrees; removing it also removes flood and storm surge cover (the PDS ties the option to rainwater run-off risk).",
     "Buildings under a registered body corporate are not eligible.",
     "Home and landlord policies are distributed to members of Royal Automobile Club of Victoria (RACV) Ltd by RACV Insurance Services Pty Ltd."
    ],
    "unoccupied": {
     "days": 30,
     "effect": "no_cover",
     "excess": null,
     "excluded_events": null,
     "still_covered": null,
     "must_tell": null,
     "conditions": "Only if the rental property is also not kept in a lived-in state (lawns mowed, mail stopped, someone checking inside and out weekly). Gaps between tenants count.",
     "then": null,
     "label": "No cover after 30 days"
    },
    "id": "landlord-buildings-insurance",
    "type_label": "Landlord",
    "issuers": [
     {
      "name": "Insurance Manufacturers of Australia Pty Limited",
      "abn": "93004208084",
      "afsl": "227678",
      "lloyds": false,
      "slug": "insurance-manufacturers-of-australia",
      "apra": {
       "status": "authorised",
       "name": "Insurance Manufacturers of Australia Pty 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": "227678",
       "name": "INSURANCE MANUFACTURERS OF AUSTRALIA PTY LIMITED",
       "abn": "93004208084",
       "acn": null,
       "licensed_since": "2003-07-28",
       "locality": "Sydney NSW 2000",
       "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": "RACV Business Insurance for commercial property owners",
    "type": "commercial_landlord",
    "segment": "commercial",
    "channel": "direct",
    "online_quote": true,
    "cover_basis": null,
    "buffer_percent": null,
    "flood": "included",
    "accidental_damage": "included",
    "levels": [],
    "eligibility": "Small businesses and sole traders with fewer than 20 employees and under $5 million annual turnover.",
    "states": [
     "VIC"
    ],
    "documents": [
     {
      "title": "RACV Business Insurance Product Disclosure Statement and Policy Booklet (August 2025)",
      "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/business-insurance/pds/racv-business-insurance-pds-current.pdf",
      "date": "2025-08-01"
     },
     {
      "title": "Target Market Determination for Business Insurance (TMDBU001)",
      "url": "https://www.iag.com.au/tmd/tmdbu001",
      "date": "2021-10-05"
     }
    ],
    "quotes": {
     "product": {
      "text": "Make sure your commercial property is protected with RACV Business Insurance.",
      "url": "https://www.racv.com.au/insurance/business-insurance/property-owners.html",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Make sure your commercial property is protected with RACV Business Insurance.",
       "url": "https://www.racv.com.au/insurance/business-insurance/property-owners.html#:~:text=Make%20sure%20your%20commercial%20property,protected%20with%20RACV%20Business%20Insurance.",
       "document_sha256": "5147ac01e0bc533da0038b3bc7217f98fa5709977a8fb6bc117dbbed08ba0238",
       "confirmed": "2026-11-13"
      }
     },
     "channel": {
      "text": "Get a quote and cover online or by phone.",
      "url": "https://www.racv.com.au/insurance/business-insurance/property-owners.html",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Get a quote and cover online or by phone.",
       "url": "https://www.racv.com.au/insurance/business-insurance/property-owners.html#:~:text=Get%20a%20quote%20and%20cover%20online%20or%20by%20phone.",
       "document_sha256": "5147ac01e0bc533da0038b3bc7217f98fa5709977a8fb6bc117dbbed08ba0238",
       "confirmed": "2026-11-13"
      }
     },
     "online_quote": {
      "text": "Get a quote and cover online or by phone.",
      "url": "https://www.racv.com.au/insurance/business-insurance/property-owners.html",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Get a quote and cover online or by phone.",
       "url": "https://www.racv.com.au/insurance/business-insurance/property-owners.html#:~:text=Get%20a%20quote%20and%20cover%20online%20or%20by%20phone.",
       "document_sha256": "5147ac01e0bc533da0038b3bc7217f98fa5709977a8fb6bc117dbbed08ba0238",
       "confirmed": "2026-11-13"
      }
     },
     "flood": {
      "text": "Delay of cover We will not provide any cover, for a period of 72 hours from the time of the commencement of Your insurance, for Damage or loss caused by: a) bushfire or grassfire, c) Flood, or d) Storm Surge.",
      "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/business-insurance/pds/racv-business-insurance-pds-current.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Delay of cover We will not provide any cover, for a period of 72 hours from the time of the commencement of Your insurance, for Damage or loss caused by: a) bushfire or grassfire, c) Flood, or d) Storm Surge.",
       "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/business-insurance/pds/racv-business-insurance-pds-current.pdf#page=17",
       "page": 17,
       "document_sha256": "26fbcabd9cae685d596bd52f24079562f7fcef2c9908fa955dd669b8c3194f6c",
       "confirmed": "2026-11-13"
      }
     },
     "accidental_damage": {
      "text": "if the total combined Property Insured Sum Insured as shown in Your Certificate of Insurance is greater than $250,000, then the most We will pay in respect of Accidental Damage will be $250,000.",
      "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/business-insurance/pds/racv-business-insurance-pds-current.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "if the total combined Property Insured Sum Insured as shown in Your Certificate of Insurance is greater than $250,000, then the most We will pay in respect of Accidental Damage will be $250,000.",
       "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/business-insurance/pds/racv-business-insurance-pds-current.pdf#page=18",
       "page": 18,
       "document_sha256": "26fbcabd9cae685d596bd52f24079562f7fcef2c9908fa955dd669b8c3194f6c",
       "confirmed": "2026-11-13"
      }
     },
     "eligibility": {
      "text": "RACV Business Insurance caters to the needs of small businesses and sole traders. This covers operations with less than 20 employees and less than $5 million turnover per year.",
      "url": "https://www.racv.com.au/insurance/business-insurance/property-owners.html",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "RACV Business Insurance caters to the needs of small businesses and sole traders. This covers operations with less than 20 employees and less than $5 million turnover per year.",
       "url": "https://www.racv.com.au/insurance/business-insurance/property-owners.html#:~:text=RACV%20Business%20Insurance%20caters%20to,%245%20million%20turnover%20per%20year.",
       "document_sha256": "5147ac01e0bc533da0038b3bc7217f98fa5709977a8fb6bc117dbbed08ba0238",
       "confirmed": "2026-11-13"
      }
     },
     "underwriter": {
      "text": "This product is issued to members of Royal Automobile Club of Victoria (RACV) Ltd by Insurance Australia Limited ABN 11 000 016 722 AFS Licence No. 227681.",
      "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/business-insurance/pds/racv-business-insurance-pds-current.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "This product is issued to members of Royal Automobile Club of Victoria (RACV) Ltd by Insurance Australia Limited ABN 11 000 016 722 AFS Licence No. 227681.",
       "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/business-insurance/pds/racv-business-insurance-pds-current.pdf#page=79",
       "page": 79,
       "document_sha256": "26fbcabd9cae685d596bd52f24079562f7fcef2c9908fa955dd669b8c3194f6c",
       "confirmed": "2026-11-13"
      }
     },
     "unoccupied": {
      "text": "Unless We otherwise agree in writing, We will not pay for any loss or Damage to Property Insured if the occurrence happens whilst Your Business Premises has been unoccupied for more than 90 consecutive days.",
      "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/business-insurance/pds/racv-business-insurance-pds-current.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Unless We otherwise agree in writing, We will not pay for any loss or Damage to Property Insured if the occurrence happens whilst Your Business Premises has been unoccupied for more than 90 consecutive days.",
       "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/business-insurance/pds/racv-business-insurance-pds-current.pdf#page=14",
       "page": 14,
       "document_sha256": "26fbcabd9cae685d596bd52f24079562f7fcef2c9908fa955dd669b8c3194f6c",
       "confirmed": "2026-11-13"
      }
     }
    },
    "conditions": [
     "Section 1 Property forms part of the policy only if shown on the Certificate of Insurance, so buildings cover is optional.",
     "Accidental damage is capped at $250,000 combined unless 'Additional Accidental Damage' is shown on the Certificate.",
     "Sold to RACV members; the RACV page is aimed at Victorian businesses."
    ],
    "underwriter": "Insurance Australia Limited",
    "underwriter_abn": "11000016722",
    "underwriter_afsl": "227681",
    "lloyds": false,
    "unoccupied": {
     "days": 90,
     "effect": "no_cover",
     "excess": null,
     "excluded_events": null,
     "still_covered": null,
     "must_tell": null,
     "conditions": "Unless the insurer agreed in writing.",
     "then": null,
     "label": "No cover after 90 days"
    },
    "id": "business-insurance-for-commercial-property-owners",
    "type_label": "Commercial landlord",
    "issuers": [
     {
      "name": "Insurance Australia Limited",
      "abn": "11000016722",
      "afsl": "227681",
      "lloyds": false,
      "slug": "insurance-australia",
      "apra": {
       "status": "authorised",
       "name": "Insurance Australia 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": "227681",
       "name": "INSURANCE AUSTRALIA LIMITED",
       "abn": "11000016722",
       "acn": null,
       "licensed_since": "2003-07-28",
       "locality": "Sydney NSW 2000",
       "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": "RACV Home Insurance is issued by Insurance Manufacturers of Australia Pty Limited ABN 93 004 208 084 AFS Licence No. 227678, a subsidiary of Insurance Australia Group Limited.",
    "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/home-insurance/pds/home-insurance-pds-current.pdf",
    "checked": {
     "status": "found",
     "at": "2026-11-13T00:55:57+00:00"
    },
    "citation": {
     "quote": "RACV Home Insurance is issued by Insurance Manufacturers of Australia Pty Limited ABN 93 004 208 084 AFS Licence No. 227678, a subsidiary of Insurance Australia Group Limited.",
     "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/home-insurance/pds/home-insurance-pds-current.pdf#page=2",
     "page": 2,
     "document_sha256": "6888b745d89cc8ad672e91991753f9c7834d19ee9279f9ce7df5875018b66adf",
     "confirmed": "2026-11-13"
    }
   },
   "distributor": {
    "text": "RACV Home Insurance is distributed to members of Royal Automobile Club of Victoria (RACV) Ltd, by RACV Insurance Services Pty Ltd ABN 74 004 131 800 AFS Licence No. 230039",
    "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/home-insurance/pds/home-insurance-pds-current.pdf",
    "checked": {
     "status": "found",
     "at": "2026-11-13T00:55:57+00:00"
    },
    "citation": {
     "quote": "RACV Home Insurance is distributed to members of Royal Automobile Club of Victoria (RACV) Ltd, by RACV Insurance Services Pty Ltd ABN 74 004 131 800 AFS Licence No. 230039",
     "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/home-insurance/pds/home-insurance-pds-current.pdf#page=2",
     "page": 2,
     "document_sha256": "6888b745d89cc8ad672e91991753f9c7834d19ee9279f9ce7df5875018b66adf",
     "confirmed": "2026-11-13"
    }
   }
  },
  "curation_notes": "The file the RACV policy documents page labels 'PDS October 2023' is the PDS prepared 2 August 2022 with a 2023 SPDS bundled in; the website describes it as current (October 2023). The Key Facts Sheet is dated 10 October 2023. TMDs (IAG-hosted) are effective 27 April 2026. Whether the quote form is an instant online quote or a call-back could not be confirmed from the page (a 'Get a quote' button plus a 'we'll contact you within 72 hours' message), so online_quote is null. Landlord PDS shows no optional accidental damage cover, so accidental_damage is null. RACV also sells contents and renters cover (not building) under the same TMD. | Same IAL wording as NRMA Business Insurance. The RACV site states 'Victorian businesses' but no formal state restriction was found, so states=['VIC'] is inferred from 'Protecting thousands of Victorian businesses'; treat as unconfirmed. Page title: 'Insurance for commercial property owners'.",
  "segments": [
   "residential",
   "commercial"
  ],
  "issuers": [
   {
    "name": "Insurance Manufacturers of Australia Pty Limited",
    "abn": "93004208084",
    "afsl": "227678",
    "lloyds": false,
    "slug": "insurance-manufacturers-of-australia",
    "apra": {
     "status": "authorised",
     "name": "Insurance Manufacturers of Australia Pty 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": "227678",
     "name": "INSURANCE MANUFACTURERS OF AUSTRALIA PTY LIMITED",
     "abn": "93004208084",
     "acn": null,
     "licensed_since": "2003-07-28",
     "locality": "Sydney NSW 2000",
     "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": "230039",
   "name": "RACV INSURANCE SERVICES PTY LTD",
   "abn": "74004131800",
   "acn": null,
   "licensed_since": "2004-01-11",
   "locality": "Melbourne VIC 3000",
   "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/racv/",
  "json": "https://deepalmanac.com/au/insurance/building/v1/brands/racv.json"
 }
}