With energy prices rising, switch to a cheaper plan
Compare Prices Now

RAC Car Insurance

See how RAC can cover you and your car.

No reviews yet. Write a review

We’re reader-supported and may be paid when you visit links to partner sites. We don’t compare all products in the market, but we’re working on it!

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.

Compare car insurance fast

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

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.

Compare car insurance now

More guides on Finder

  • How to check car insurance

    How to stay up to date with your car insurance and avoid any hassle.

  • Do I need car insurance in Australia?

    Yes, you need car insurance to protect you from expensive bills following an accident.

  • Trailer Insurance

    Your comprehensive guide to getting trailer insurance for caravans, mobile homes and box trailers.

  • Road trip statistics Australia

    Finder research found 42% of Australians, equivalent to 8.2 million people, are planning a domestic road trip over the next 6 months.

  • Toyota LandCruiser car insurance

    A Toyota LandCruiser car insurance policy is around $138.43 a month. Compare 5+ policies side-by-side to see if you can get better value for your money.

  • Toyota HiAce insurance

    The average Toyota HiAce comprehensive insurance policy is $107.21 a month. Compare 5+ policies, discounts and find out if you could pay less.

  • Toyota Granvia insurance

    The average Toyota Granvia comprehensive insurance policy is $127.36 a month. Compare 5+ policies, discounts and get covered for a hire car, personal effects and more.

  • Toyota C-HR car insurance

    Toyota C-HR car insurance costs around $X a month. Compare 5+ policies to see if you could be paying less.

  • ROLLiN’ car insurance review

    ROLLiN' is an IAG-backed car insurer offering a flexible comprehensive plan that's refreshingly free from faff.

  • Toyota RAV4 car insurance

    The average insurance policy for a Toyota RAV4 is $105 a month. Compare 5+ policies and you could save.

Ask an Expert

You are about to post a question on finder.com.au:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com.au is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use, Disclaimer & Privacy Policy and Privacy & Cookies Policy.

2 Responses

  1. Default Gravatar
    DeeaneMay 5, 2019

    Will RAC cover a drink driving car crash even if third party to property?

    • Default Gravatar
      AshMay 6, 2019

      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.


Go to site