RAA Car Insurance

Compare policies from RAA and find the right car insurance for your car, motorcycle, caravan or trailer

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 levels 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 $500 of cover for rider safety equipment.

RAA Car Insurance levels of cover

BenefitsComprehensiveThird Party, Fire and TheftThird Party
Unlimited windscreen repair or replacement
  • Yes
  • No
  • No
Lifetime Vehicle Replacement
  • Yes
  • No
  • No
Sum insured or market value
  • Yes
  • No
  • No
Theft or attempted theft
  • Yes
  • Yes
  • No
Fire
  • Yes
  • Yes
  • No
Legal liability
  • Yes
  • Yes
  • Yes
Claims handled in SA
  • Yes
  • Yes
  • Yes
Flood
  • Yes
  • No
  • No
Hail
  • Yes
  • No
  • No
New vehicle replacement
  • Yes
  • No
  • No
Malicious damage
  • Yes
  • No
  • No
Baby capsules, booster and child seats
  • Yes
  • Yes
  • No
No fault excess
  • Yes
  • Yes
  • Yes
Hire car following theft
  • Yes
  • Yes
  • No
Freedom of choice of repairer
  • Yes
  • Yes
  • No
Repairs guaranteed for life
  • Yes
  • Yes
  • No
Taxi home after an accident
  • Yes
  • No
  • No
Trailer cover
  • Yes
  • No
  • No
Towing and storage
  • Yes
  • Yes
  • No
Personal effects
  • Yes
  • No
  • No
Emergency repairs
  • Yes
  • No
  • No
Emergency travel/accommodation
  • Yes
  • No
  • No
Rating 1 for life
  • Yes
  • No
  • No
Change of vehicle
  • Yes
  • Yes
  • Yes
Replacement of locks and keys
  • Yes
  • Yes
  • No
Legal costs
  • Yes
  • Yes
  • Yes

Veteran and Vintage insurance.

  • $20 million legal liability cover
  • Covers accidental loss or damage
  • Cover for fire, flood, hail, storm, malicious damage, theft and attempted theft
  • Salvage cover
  • Exclusive Aussie Assist assistance package
  • 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
  • $500 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.

What excess is charged?

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.

Some final questions you might have


Was this content helpful to you? No  Yes

Related Posts

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, read the PDS or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms and Conditions and Privacy Policy.
Ask a question