RACQ Car Insurance

Review the car insurance options available from RACQ and to see if it's the right brand for you.

Whether it’s for your family runabout or your daily commuter, RACQ Car Insurance has the cover you need, with competitive prices, great discounts and 24/7 support across a wide range of products.

RACQ Insurance Limited is a wholly-owned subsidiary of the Royal Automobile Club of Queensland and covers over 1.6 million members in Queensland and Northern New South Wales. So whether you need Third Party Property, Third Party Fire & Theft or Comprehensive car insurance, Queensland’s largest club may be able to help.

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 are the different options available from RACQ?

RACQ Car Insurance provides cover for all kinds of vehicles and all kinds of circumstances, including:

  • Motor Comprehensive Insurance. Comprehensive covers you for a range of benefits including loss or damage to your vehicle, a choice of repairer, personal property, baby capsules and child seats, emergency repairs, damage to your trailer or caravan and towing and storage.
  • Motor Fire, Theft and Third Party Liability Insurance. Motor Fire, Theft and Third Party Liability Insurance covers you for a range of services including fire or theft of your vehicle, emergency repairs, towing and storage, uninsured third party cover and a lifetime guarantee on repairs.
  • Motor Third Party Liability Insurance. Motor Third Party Liability Insurance covers you for third party liability and uninsured third party driver.
FeaturesComprehensiveFire Theft and Third PartyThird Party
24hr Queensland call centresYesYesYes
Choice of marketYes
Driver excellence bonusYes
Pay by the MonthYesYesYes
RACQ Insurance Selected Repairer networkYesYesYes
Rating 1 for lifeYesYesYes
Statewide assessment servicesYesYes
Voluntary ExcessYes
BenefitsComprehensiveFire Theft and Third PartyThird Party
Aussie AssistYes
Baby capsules and child seatsYes
Change of vehicleYes
Choice of repairerYes
Cover against natural disasters and weather eventsYes
Cover for any damage to your vehicle (accidents, malicious damage etc)Yes
Cover for damage to other people's propertyYesYesYes
Cover for fire and theftYesYes
Damage to your box trailer or caravanYes
Driver fatalityYes
Emergency repairs*^YesYes*^Yes
Hire car after theftYes
Lifetime guarantee of repairs*^YesYes*^
Loss or damage caused by uninsured third partyYesYesYes
Personal propertyYes
Replacement of vehicle after total lossYes
Theft of vehicle keysYes
Towing and storage costs*^YesYes*^Yes
OptionsComprehensiveFire Theft and Third PartyThird Party
Excess free windscreenYes
Hire car after an eventYes
No claim discount protectionYes
DiscountsComprehensiveFire, Theft and Third PartyThird Party
Car alarm discountYesYes
Combined insurance discountYesYesYes
Driver excellence bonusYes
Multi-policy discountYesYesYes
No claim discountYes
Roadside Assistance loyalty discountYesYesYes

* Caused by Fire and Theft
^ As a result of a claim under Uninsured Third Party insurance

Back to top

What does my RACQ policy cover?

General exclusions that apply to RACQ Car Insurance (circumstances in which cover will not be provided) include:

  • Driving under the influence of drugs or alcohol
  • Failing to remain at the scene of an accident
  • Driving unlicensed
  • Using the vehicle for testing, demonstration or racing
  • Carrying passengers for payment
  • Overloading the vehicle
  • Driving the vehicle in an unroadworthy or unsafe condition
  • Using the vehicle for an illegal purpose
  • Transporting dangerous goods
  • Carrying or towing nuclear material or waste
  • Failing to take reasonable precautions to secure the vehicle
  • Failing to try and prevent further loss or damage
  • Having the vehicle lawfully repossessed, seized or confiscated
  • Acts of war, insurrection, rebellion or military coup
  • Nuclear terrorism, pollution or contamination
Back to top

Okay, how much does it cost?

While RACQ Car Insurance is available at highly competitive rates, as with all car insurance, the actual cost of your premiums will depend of a range of rating criteria. These include:

  • The type of car are you're insuring. Some vehicles have better safety records than others, some are more frequently targeted by thieves and some cost more to repair.
  • The age of the nominated drivers on your policy. Younger drivers (usually under 25’s) pay more for insurance because statistically they have more accidents.
  • Where you park your car. The level of crime in your neighbourhood and whether your vehicle is kept in a locked garage or parked on the street will affect the cost of insurance.
  • Whether the car is under finance. The type and amount of finance owing can affect the cost of your premium.
  • If the vehicle has had any accessories or modifications. Whether these are likely to attract thieves or reduce the vehicle’s handling or performance can influence premium costs.
  • Your driving history. Whether you have a clean record or have been involved in previous accidents can affect your perceived risk level and your premiums.
Back to top

What does an excess do?

The excess is the amount you must pay towards the cost of a claim. It will either be a pre-determined amount specified in your policy or an amount agreed upon by you and your insurer at the time of taking out your cover.

RACQ Comprehensive Insurance gives you the option of deciding the level of your basic excess yourself and this can be a good way to reduce the cost of your premiums, providing it is an amount you can afford to pay upfront if you ever need to make a claim.

Additional excesses you may need to pay apart from the basic excess can include an age excess (if the driver is young and inexperienced), a windscreen replacement excess, a non-removable excess (applies to certain types of vehicles) and a listed driver excess (if the driver in the accident was not listed on your policy).

Back to top

How can I cut down on my premiums?

RACQ Car Insurance provides you with a number of ways to reduce the cost of your premium. These include:

  • Varying the basic excess on your Comprehensive policy
  • A multi-policy discount, if you have other insurance policies with RACQ
  • A combined insurance discount, if you combine a range of RACQ Car Insurance policies
  • A length of membership discount, if you have been an RACQ member for a certain length of time
  • A no claim discount, if you have not made any claims within a certain period of time on your Comprehensive policy
  • A security discount, if you have installed security devices such as an alarm and immobiliser in your vehicle
  • A driver excellence bonus, if you’ve held a Rating 1 for five years or more
Back to top

I need to make a claim with RACQ

Making a claim with RACQ Car Insurance is fast and hassle-free. Here’s how it works:

  • Drop into an RACQ branch or call 13 72 02
  • Have your RACQ policy number handy, plus a police report number if applicable and details of the incident including contact details of those involved and any witnesses
  • Your claim will then be lodged and you’ll be booked in for an insurance assessment

If the accident happened over 100 kilometres from your home you may also be able to claim through Aussie Assist, which is RACQ’s emergency assistance service. It is available with Comprehensive Car Insurance, Unique Car Insurance and some Fleet and Small Business Car Insurance.

Back to top
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.

6 Responses

  1. Default Gravatar
    AileenApril 21, 2017

    Do seniors driving car with limited mileage get discount on comprehensive car insurance?

    • Staff
      ZubairApril 26, 2017Staff

      Hi Aileen,

      Thank you for your question.

      You have contacted finder.com.au, a comparison and information service and not actually RACQ Car Insurance.

      RACQ Car Insurance is not currently one of the brands in our panel of car insurers so you will need to contact them directly about this matter.

      All the best,

  2. Default Gravatar
    ChristineMarch 15, 2017

    I have racq car insurance.
    How do I that add unlisted driver.
    How much?

    • Staff
      ZubairMarch 16, 2017Staff

      Hi Christine,

      Thank you for your question.

      You have contacted finder.com.au, a comparison and information service and not actually RACQ Car Insurance.

      You will need to contact RACQ Car Insurance directly to check the cost of adding an unlisted driver.

      All the best,

  3. Default Gravatar
    johnMay 6, 2015

    Why does the windscreen option cost not appear anywhere near a quote?

    • Staff
      RichardMay 7, 2015Staff

      Hi John,

      Thanks for your question. finder.com.au is a comparison service and does not currently have the facilities in place to provide quotes for RACQ Car Insurance.


Ask a question