{"menuItems":[{"label":"What policies are available from RAA?","anchorName":"#what-policies-are-available-from-raa"},{"label":"RAA Car Insurance levels of cover","anchorName":"#raa-car-insurance-levels-of-cover"},{"label":"General exclusions","anchorName":"#general-exclusions"},{"label":"What excess is charged?","anchorName":"#what-excess-is-charged"},{"label":"How to save on your RAA Car Insurance policy","anchorName":"#how-to-save-on-your-raa-car-insurance-policy"},{"label":"Making a claim","anchorName":"#making-a-claim"},{"label":"Some final questions you might have","anchorName":"#some-final-questions-you-might-have"}]}
RAA has been looking after the motoring needs of South Australians since 1903 and now offers a range of car insurance policies to help you protect your set of wheels against theft, collision and damage. As well as three levtels of cover for regular vehicles, it also offers policies designed to cover veteran and vintage cars, modified vehicles and even motorbikes.
This review will explore the policy options available from RAA and when you will and won't be covered.
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 policies are available from RAA?
RAA offers the following insurance options:
Comprehensive car insurance. RAA’s comprehensive car insurance policy offers a high level of cover to provide ultimate peace of mind when you hit the road. It provides Australia-wide cover for loss of or damage to your vehicle and covers you against loss or damage caused by fire, flood, hail, malicious damage and theft. $20 million of legal liability cover is also included for if the use of your vehicle causes the death or bodily injury of someone else or causes damage to their property.
Third party, fire and theft insurance. If you’re looking for cover that is a little more affordable, this policy might be right for you. It provides Australia-wide cover for third party legal liability, offering $20 million of protection when you cause death, injury or property damage to someone else. The policy also provides cover for fire, theft and attempted theft, including cover for any baby capsules or child seats.
Third party insurance. RAA’s third party insurance policy is a basic form of insurance that covers you for damage to other people and property arising from the use of your vehicle. $20 million worth of cover is provided when the use of your vehicle causes the death or bodily injury of someone else or causes damage to their property.
Veteran and Vintage insurance. RAA’s Veteran and Vintage insurance is a comprehensive policy for motor vehicles (including motorbikes, trucks and buses) that are either 30 years of age and on a Club Registration only, or manufactured prior to 1940 and on a full private registration. The policy provides Australia-wide cover for accidental loss of or damage to your vehicle and protects against fire, flood, hail, storm, theft, vandalism and more. $20 million of third-party legal liability cover is also included.
Hard to Place insurance. If you own a modified or imported car and often have trouble finding an insurer willing to provide the cover you need, RAA’s Hard to Place insurance is well worth considering. Providing comprehensive cover, RAA assesses the risk of each application individually before determining your premium and excess amount. This policy includes $20 million of legal liability cover and covers accidental loss or damage, theft, fire and much more.
Motorbike insurance. RAA’s motorbike insurance provides comprehensive, Australia-wide cover for registered motorcycles, protecting you against accidental loss or damage, fire, flood, hail, storm, malicious damage and theft. $20 million of legal liability cover is also included, along with $750 of cover for rider safety equipment.
Cover for fire, flood, hail, storm, malicious damage, theft and attempted theft
Salvage cover
No-fault excess
Cover for emergency repairs and accommodation
Freedom of your choice of repairer
Repairs guaranteed for life
Recovery costs following theft
Hard to Place insurance
Designed for highly modified and imported cars
Each application assessed individually
$20 million legal liability cover
Cover for accidental loss or damage
Cover for fire, theft, flood, hail, storm and malicious damage
Agreed-value cover
Freedom of your choice of repairer
Repairs guaranteed for life (if an RAA-approved repairer is used)
No-fault excess
Pay premiums by the month
Motorbike insurance
Covers accidental loss or damage
Cover for fire, flood, hail, malicious damage, theft and attempted theft
$20 million legal liability cover
New vehicle replacement up to two years
$750 cover for rider safety equipment
No-fault excess
Exclusive assistance package for travellers
Freedom of your choice of repairer
Repairs guaranteed for life
General exclusions
Your RAA Car Insurance claim will not be paid if:
Your vehicle was being driven by someone under the influence of alcohol or drugs.
It arises due to mechanical, structural or electrical breakdown or failure.
Your vehicle is not kept in good condition and you fail to take reasonable steps to protect it against loss or damage.
It is for consequential loss of any kind.
It is caused by an inherent defect, a defective or faulty part, or defective or faulty design, workmanship or construction.
It arises due to depreciation, wear and tear, rust or corrosion.
It arises because you drove your vehicle in a damaged condition following an accident or theft.
It is for existing damage to your vehicle.
Your vehicle was being used for fare, hire or reward.
It arises due to a criminal or illegal act by you or someone acting with your consent.
It arises due to the lawful seizure of your vehicle.
Your vehicle was being used in connection with the motor trade or for motor sport of any kind.
It is for any non-standard tools, accessories or modifications (unless the insurer has agreed to cover them).
Your vehicle was used to carry an excessive number of passengers or to tow a load greater than that for which it was designed.
It arises due to repairs on your vehicle performed without the insurer’s consent.
Your vehicle was being driven by an unlicensed driver, or in an unsafe or unroadworthy condition.
Congratulations, RAA!
RAA came in first place in SA for Customer Satisfaction in 2023, scoring 4.66/5. 99%, almost everyone surveyed with RAA, said they would recommend the SA-based insurer to a friend.
When you make a claim on your RAA Car Insurance policy, in most cases you will need to pay an excess. Excesses that may apply include:
Voluntary excess. This is typically payable on any claim you make.
Non-removable age excess. If the person driving or in charge of your vehicle at the time of the accident was within the ages set out for a young driver on your certificate of insurance, you will need to pay this excess.
Non-removable endorsed excess. You will need to pay this excess if it is shown on your certificate of insurance.
Non-removable theft excess. If shown on your certificate of insurance, this excess is payable following the theft or attempted theft of your vehicle.
How to save on your RAA Car Insurance policy
There are several ways you can reduce the cost of your RAA Car Insurance premium, including:
Taking advantage of member discounts. The longer you’ve been an RAA member and the more insurance products you hold through RAA, the more you can save on your car insurance premium. As an example, you can take advantage of a 10% multi-policy discount if you hold more than three policies with RAA.
Choosing a higher excess. By choosing to pay a higher excess when you make a claim, you can lower your premium.
Choosing a lower level of cover. A policy that offers a lower level of cover will provide cheaper premiums.
Using your Seniors Card. Seniors Cardholders receive a 10% discount.
Making a claim
All claims through an RAA Car Insurance policy are handled in South Australia. When an incident occurs, simply phone RAA straight away to notify the insurer of your claim. Claims can also be lodged online or at an RAA shop.
You may also need to take other steps to ensure that your claim is handled quickly and successfully, such as gathering information from other people involved in the accident, or reporting a theft to the police.
Why you can trust Finder's car insurance experts
We're free
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.
We're experts
Our team of car insurance experts have researched and rated dozens of policies as part of our Finder Awards and published 330+ guides to make it easier for you to compare.
We're independent
Unlike other comparison sites, we're not owned by an insurer. That means our opinions are our own and we work with lots of car insurance brands, making it easier for you to find a good deal.
We're here to help
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.
Some final questions you might have
Yes, RAA offers a 21-day money-back guarantee. You can cancel your policy within 21 days of taking out cover and receive a full refund of your premium.
Yes, RAA gives you the freedom to choose the repairer you want to fix your vehicle.
Yes, but additional excesses may apply if you need to make a claim.
This benefit provides cover when you drive more than 100km away from home and you suffer an unexpected, serious disabling illness or injury. If you are unable to drive your vehicle, you will receive cover for expenses such as emergency travel, overnight accommodation and transport home.
RAA also offers caravan, trailer and boat insurance policies.
Willam Eve is the country manager for Finder's Canada operations. He has previously held the positions of group publisher of insurance for Finder Australia and lead publisher for the Finder global team. William has a Bachelor of Communications from the University of Technology Sydney, Australia. He loves the challenge of launching Finder into new markets while helping grow Finder’s global team.
Finder and Generation Entrepreneur, have announced the winners of School Entrepreneur of the Year 2023 – a national business-building competition for high school students.
How likely would you be to recommend finder to a friend or colleague?
0
1
2
3
4
5
6
7
8
9
10
Very UnlikelyExtremely Likely
Required
Thank you for your feedback.
Our goal is to create the best possible product, and your thoughts, ideas and suggestions play a major role in helping us identify opportunities to improve.
Important information about this website
finder.com.au is one of Australia's leading comparison websites. We are committed to our readers and stands by our editorial principles
We try to take an open and transparent approach and provide a broad-based comparison service. However, you should be aware that while we are an independently owned service, our comparison service does not include all providers or all products available in the market.
Some product issuers may provide products or offer services through multiple brands, associated companies or different labeling arrangements. This can make it difficult for consumers to compare alternatives or identify the companies behind the products. However, we aim to provide information to enable consumers to understand these issues.
We make money by featuring products on our site. Compensation received from the providers featured on our site can influence which products we write about as well as where and how products appear on our page, but the order or placement of these products does not influence our assessment or opinions of them, nor is it an endorsement or recommendation for them.
Products marked as 'Top Pick', 'Promoted' or 'Advertisement' are prominently displayed either as a result of a commercial advertising arrangement or to highlight a particular product, provider or feature. Finder may receive remuneration from the Provider if you click on the related link, purchase or enquire about the product. Finder's decision to show a 'promoted' product is neither a recommendation that the product is appropriate for you nor an indication that the product is the best in its category. We encourage you to use the tools and information we provide to compare your options.
Where our site links to particular products or displays 'Go to site' buttons, we may receive a commission, referral fee or payment when you click on those buttons or apply for a product. You can learn more about how we make money.
When products are grouped in a table or list, the order in which they are initially sorted may be influenced by a range of factors including price, fees and discounts; commercial partnerships; product features; and brand popularity. We provide tools so you can sort and filter these lists to highlight features that matter to you.
Please note that the information published on our site should not be construed as personal advice and does not consider your personal needs and circumstances. While our site will provide you with factual information and general advice to help you make better decisions, it isn't a substitute for professional advice. You should consider whether the products or services featured on our site are appropriate for your needs. If you're unsure about anything, seek professional advice before you apply for any product or commit to any plan and read any disclosure documents (such as any Target Market Determination (TMD) and/or Product Disclosure Statement (PDS)) issued by the provider before making a decision.
Providing or obtaining an estimated insurance quote through us does not guarantee you can get the insurance. Acceptance by insurance companies is based on things like occupation, health and lifestyle. By providing you with the ability to apply for a credit card or loan, we are not guaranteeing that your application will be approved. Your application for credit products is subject to the Provider's terms and conditions as well as their application and lending criteria.
Please read our website terms of use and privacy policy for more information about our services and our approach to privacy.
