RAC Car Insurance

See how RAC can cover you and your car.

The Royal Automobile Club, better known as RAC, is a membership-based organisation in Western Australia offering car insurance and other services to its members.

finder.com.au does not currently have access to this car insurance brand. You may wish to compare options available on the car insurance homepage.

What cover options does RAC offer?

RAC offers the three main types of car insurance:

  • Comprehensive car insurance: Cover for third party liability, fire, theft and other damage to your car. Includes a wide range of other benefits.
  • Third party fire and theft: Cover for third party liability, fire, theft and a limited amount of damage to your vehicle by uninsured drivers. Includes a limited range of other benefits.
  • Third party property damage: Cover for third party liability, and a limited amount of damage to your vehicle by uninsured drivers. Includes few other benefits.
Comprehensive car insuranceThird party fire & theftThird party property damage
Own car damage coverFullFire, theft and uninsured motorist onlyUninsured motorist only
Legal liability for property damage
  • Yes
  • Yes
  • Yes
Agreed value available
  • Yes
  • Yes
  • No
Automatic accessories cover
  • Yes
  • Yes
  • No
Hire car after theft
  • Yes
  • Yes
  • No
Travel and accommodation costs
  • Yes
  • No
  • No
Lost or damaged personal belongings
  • Yes
  • No
  • No
New car replacement
  • Yes
  • No
  • No
Lost or stolen keys
  • Yes
  • No
  • No
Accidental death
  • Yes
  • No
  • No
No-claim bonus discount
  • Yes
  • No
  • No
Windscreen and window glass
  • Yes
  • No
  • No
Protected no-claim bonus
  • Optional
  • No
  • No
Hire car after accident
  • Optional
  • No
  • No

Are there any additional benefits?

With all three policy types, and in line with policy terms and conditions, RAC can:

  • Cover other people to drive your car, even if they’re not listed on the policy
  • Offer a lifetime guarantee on repairs to your car, carried out by approved RAC mechanics
  • Offer two weeks of temporary cover for a new car that replaces an old one. This is so you don’t have a break in cover when changing vehicles

Are there any discounts?

You may be able to find a range of discounts with RAC, including a no-claim discount. Your no-claim discount is not affected by:

  • Accidents where you are found not to be at fault, if you can provide the at-fault driver’s name, registration number and contact details
  • Claims for damage to your car’s windscreen, sunroof or window glass only

If you choose the optional “protected no-claim bonus” with comprehensive car insurance, you may keep your no-claim bonus following an at-fault claim.

What exclusions should I be aware of?

RAC will not cover:

  • Drivers who have had their licence cancelled, suspended, disqualified or placed under special conditions in the last three years
  • Drivers who have been convicted of a criminal offence related to theft, fraud, arson, criminal damage or illicit drugs in the last three years
  • Drivers who have had car insurance declined, withdrawn, cancelled or its renewal refused in the last three years
  • Drivers who have been informed that their ability is impaired by medical conditions
  • Drivers under the influence of drugs or alcohol, or who refuse to submit for testing when requested by police
  • Loss or damage to goods, tools or samples connected to your work or other trade

RAC will also not cover damage or loss resulting from:

  • Mechanical, structural, electrical failures or computer-related defects or breakdowns
  • Sparks, ashes or carbon from your car
  • Depreciation, wear and tear, rust or corrosion
  • A car being left unattended with the keys inside it
  • Failure to take reasonable care to protect your keys, your car and its contents
  • Anything nuclear or radioactive, or related to war, terrorism, invasions, rebellions, revolutions or similar
  • Racing, trials, endurance or skills tests, regardless of whether or not you were competing in an event

Your car may not be covered:

  • On a racetrack, circuit or arena, except while participating in a commercial safe driving course under trained instruction
  • While a vehicle is overloaded or not operated in line with manufacturer recommendations
  • While being used recklessly, illegally or for hire or reward. RAC won’t cover you for Uber driving or other paid ridesharing. You may need to get specialised rideshare car insurance for this

How much does RAC car insurance cost?

The cost of your car insurance includes your premiums (regular costs) and excess (the amount you’ll need to pay in the event of a claim).

No excess is payable if you can prove that you were not at fault for an accident and can provide the at-fault party’s name, vehicle registration number and contact details.

More than one excess may be payable, including your base excess, an age-related excess, an excess related to specific drivers and others.

Your premium is affected by factors including:

  • Your excess
  • The make and model of your car
  • Who will be driving your car and their insurance history
  • Where you live
  • Government charges
  • Discounts available to you
  • RAC’s operating costs

You can pay premiums monthly, six-monthly or annually.

How to make a claim

Contact RAC to make a claim. In order to process it, RAC may request information including:

  • Contact details of anyone involved, including witnesses
  • Registration numbers of involved vehicles
  • Proof of ownership of damaged or stolen property
  • Documents, receipts and other items related to the property or claim
  • Written statements if requested

Andrew Munro

Andrew writes for finder.com, comparing products, writing guides and looking for new ways to help people make smart decisions. He's a fan of insurance, business news and cryptocurrency.

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