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.
RACQ Car Insurance provides cover for all kinds of vehicles and all kinds of circumstances, including:
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 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 covers you for third party liability and uninsured third party driver.
| Features | Comprehensive | Fire Theft and Third Party | Third Party |
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| 24hr Queensland call centres |
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| Choice of market |
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| Driver excellence bonus |
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| Pay by the Month |
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| RACQ Insurance Selected Repairer network |
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| Rating 1 for life |
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| Statewide assessment services |
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| Voluntary Excess |
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| Benefits | Comprehensive | Fire Theft and Third Party | Third Party |
| Aussie Assist |
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| Baby capsules and child seats |
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| Change of vehicle |
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| Choice of repairer |
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| Cover against natural disasters and weather events |
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| Cover for any damage to your vehicle |
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| Cover for damage to other people's property |
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| Cover for fire and theft |
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| Damage to your box trailer or caravan |
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| Driver fatality |
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| Emergency repairs |
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| Hire car after theft |
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| Lifetime guarantee on repairs |
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| Loss or damage caused by uninsured third party |
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| Personal property |
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| Replacement of vehicle after total loss |
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| Theft of vehicle keys |
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| Towing and storage costs |
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| Salvage rights |
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| Driver training participation |
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| Finance gap protection |
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| Options | Comprehensive | Fire Theft and Third Party | Third Party |
| Excess free windscreen |
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| Hire car after an event |
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| No claim discount protection |
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| Discounts | Comprehensive | Fire, Theft and Third Party | Third Party |
| Car alarm discount |
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| Combined insurance discount |
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| Driver excellence bonus |
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| Multi-policy discount |
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| No claim discount |
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| Roadside Assistance loyalty discount |
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RACQ came in first place in Queensland for Customer Satisfaction in 2023, scoring 4.57/5. 100% of people surveyed said they would recommend it to a friend. It also scored 4.5/5 for customer service, features and benefits and ease of application.
Full list of 2023 winnersGeneral exclusions that apply to RACQ Car Insurance (circumstances in which cover will not be provided) include:
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 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).
RACQ Car Insurance provides you with a number of ways to reduce the cost of your premium. These include:
Making a claim with RACQ Car Insurance is fast and hassle-free. Here’s how it works:
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 and some Fleet and Small Business Car Insurance.
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What is your price range for full comp for my car 2011 merc class B hatchback
Hi Colin,
You’ll need to get a quote on the RACQ website to find this information. This is just the review page on Finder.
I am looking to buy a Japanese imported Toyota super custom motorhome for approx $40,000 and would like an idea on the price of comprehensive insurance. Thank you.
Hi Tina,
To explore your options, please check our motorhome insurance page. On that page, there’s a table for you to compare insurers who may be able to insure your motorhome.
Always read through the Product Disclosure Statement (PDS) of your chosen insurance policy to fully understand what you will and won’t be insured for.
Regards,
James
I have 1998 toyota hiace regius kch40 4d wagon 4 speed auto 4 cylinder td 3000cc for the past 10 years well maintained and in good tunning order would the RACQ insure this vehicle for me . I have other policies with RACQ and did not know that you did import vehicles .
Hi Brian,
Thanks for your inquiry
Generally, insurers will cover any vehicle that has not been heavily modified, has been well maintained and in good running condition. Please note that these conditions vary between insurers. It would be best if to directly contact RACQ to get a quote for your vehicle cover. You may also compare the various policies they offer on their website to find the right one for you.
Hope this information helps
Cheers,
Arnold
Do seniors driving car with limited mileage get discount on comprehensive car insurance?
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,
Zubair
I have RACQ car insurance.
How do I that add unlisted driver.
How much?
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,
Zubair