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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.
We don't currently have this brand on our panel. But don't fret! You can head to the RAC Car Insurance website or compare a bunch of other car insurance companies with finder.
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 insurance
Third party fire & theft
Third party property damage
Own car damage cover
Full
Fire, theft and uninsured motorist only
Uninsured 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
Congratulations, RAC!
RAC is the winner in Western Australia for Customer Satisfaction in 2023. The WA-based insurer scored 4.51/5 overall. 95% of people surveyed said they would recommend RAC to a friend.
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
How to cancel RAC car insurance
If you're not happy with your current RAC car insurance policy, you are able to cancel it over the phone. Call 13 17 03 to terminate your policy. You can't currently cancel your RAC car insurance policy online.
To ensure you don't miss out on the best deals, compare providers before you purchase your next policy. Find a new car insurer.
You pay the same as buying directly from the car insurer. Better still, we regularly run exclusive deals that you won't find on any other site – plus, our tables make it easy to compare policies.
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Since 2014, we've helped 300,000+ people find car insurance by explaining your cover options, simply and clearly. We'll never ask for your number or email. We're here to help you make a decision.
Andrew Munro was the global cryptocurrency editor at Finder. During his time he covered all aspects of cryptocurrency and the blockchain. Before he became cryptocurrency editor, he was a content writer for Finder covering various topics over his nearly 5 years in the role. Prior to joining Finder he was a web copywriter. Andrew has a Bachelor of Arts from the University of New South Wales.
No, RAC will not cover an accident caused by the driver being under the influence of alcohol. It is listed under exclusions of coverage for RAC Car Insurance above.
I hope this helps.
Please do not hesitate to reach out again if you have additional questions.
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Will RAC cover a drink driving car crash even if third party to property?
Hi Deeane,
Thank you for contacting Finder.
No, RAC will not cover an accident caused by the driver being under the influence of alcohol. It is listed under exclusions of coverage for RAC Car Insurance above.
I hope this helps.
Please do not hesitate to reach out again if you have additional questions.
Cheers,
Ash