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30-day qualifying period
Counted from your policy start date. Incidents that occur before or during this period are not covered. There is no qualifying period on renewal.
21-day cooling-off
Cancel within 21 days of your policy starting or renewing and we refund every dollar, provided you have not made a claim.
Report or application
Your claim is triggered by a police report with an event number, or a lodged application to a state or territory Victims Services scheme.
No conviction required
We never ask for a charge, a prosecution, a conviction or the identification of an offender before we pay.
Current documents
Product Disclosure Statement
The full terms of Victim Support Cover: what counts as an insured event, the five benefits and their limits at each level of cover, the exclusions, the 30-day qualifying period, how your premium is calculated, and how to make a claim or a complaint. Read it together with your Certificate of Insurance, which shows the level of cover and options you chose.
Target Market Determination
Describes the class of customers Victim Support Cover is designed for, the people it is not suitable for, the conditions we place on how it is distributed, and the review triggers that would prompt us to reconsider the product. Prepared under the design and distribution obligations in Part 7.8A of the Corporations Act 2001.
Financial Services Guide
Explains who we are, the financial services we are authorised to provide under Australian Financial Services Licence 512 884, how we and our staff are paid, any relationships that could influence the advice we give, our professional indemnity arrangements, and how to reach our internal and external dispute resolution processes.
How we operate
Privacy Policy
How we collect, hold, use and disclose your personal and sensitive information, including health information and information about criminal matters, under the Privacy Act 1988 and the Australian Privacy Principles. It also explains how to access or correct your information, our approach to overseas disclosure, and how to complain to the Office of the Australian Information Commissioner.
Complaints and disputes
Our internal dispute resolution process, the timeframes we commit to under ASIC Regulatory Guide 271 and the General Insurance Code of Practice, how we support customers experiencing vulnerability through a complaint, and how to escalate a matter to the Australian Financial Complaints Authority if you are not satisfied with our final response.
Version VSC-PDS 3.1
The PDS in force on the day your policy started or last renewed is the one that applies to you. The version number is printed on your Certificate of Insurance and on every renewal notice. If you are unsure which version applies, call us on 1300 727 346.
Where to look
Read the PDS and the TMD. The PDS tells you what is and is not covered; the TMD tells you whether you are the kind of customer we designed the product for. The FSG explains who we are and how we are paid. You should have all three before you decide.
Sections 4 to 7 of the PDS cover insured events, benefits, exclusions and the claims process. Your Certificate of Insurance shows your level of cover and limits. Your case manager will point you to the exact clause for any decision we make.
Our complaints procedure sets out how to raise a concern, what we will do and by when. If you are not satisfied with our final response, or 30 days have passed, you can take the matter to AFCA at no cost.
Archived documents
Superseded
In force from 1 July 2025 to 30 June 2026.
Applies to policies that started or renewed between 1 July 2025 and 30 June 2026. Introduced the Premier level of cover, overseas incident cover and the removal of the income protection waiting period on Premier.
Superseded
In force from 1 January 2025 to 30 June 2025.
Applies to policies that started or renewed between 1 January 2025 and 30 June 2025. Two levels of cover (Essential and Standard) and a 14-day waiting period on income protection.
Earlier versions of the PDS (VSC-PDS 1.0 to 2.3, July 2020 to December 2024) and previous versions of the TMD, FSG and Privacy Policy are available on request. Email hello@rape.insure with the version number or the date your policy started.
You are entitled to a printed copy of any of these documents free of charge. We post paper copies within five business days of your request, and we will send them again at any time during the life of your policy.
All current documents are available in large print, as accessible tagged PDFs for screen readers, and as an audio recording. Key facts summaries are available in Arabic, Simplified Chinese, Vietnamese, Punjabi and Dari.