RACT is all about car insurance – and more – for Tasmanians. See how the cover works, and get a quote to find out how much it costs.
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What are the RACT cover types?
RACT offers comprehensive car insurance, as well as a generally cheaper third party only car insurance policy.
If you go for third party only, you can extend your protection by adding fire and theft cover, for a different total in terms of cost and cover.
|Third party property||Third party property with fire and theft||Comprehensive|
|Third party liability cover|
|Fire and theft cover|
|Cover for damage to your vehicle caused by a uninsured motorist|
|Flood, storm and other weather incidents|
What else is covered?
With comprehensive cover only, you also automatically get:
- Up to $1,000 for lock, key and remote replacement following theft
- Up to $500 reimbursement for emergency repairs
- Up to $1,000 reimbursement for emergency assistance
- Up to $500 personal belongings cover
- Up to $1,000 of trailer cover
- Reasonable costs for towing your vehicle
At extra cost, you may also choose to add excess-free windscreen cover.
What are the limits and exclusions to be aware of?
Some of the limitations to consider are:
- Only $5,000 of fire and theft cover with third party fire and theft cover. If your car is worth more than $5,000 you generally won’t be fully covered in the event of a fire or theft claim.
- You can make no excess malicious damage or theft claims, and do so without it affecting your no claims bonus. However, this is generally only if you can provide the address and contact information of the person responsible. Your premiums might go up even if you are not responsible for the incident that leads to a claim.
Some of the general exclusions, which won’t be covered, are:
- Mechanical, structural or electrical failures
- The cost of international air freight for parts, paint or accessories, required for the repair of your vehicle, which are not ordinarily available in Australia
- Depreciation, wear and tear, rust and other corrosion
- If you are driving under the influence or without a license, or if your car was used inappropriately, unsafely or on a race track
- If your car was used for any businesses purposes, unless RACT knew about and approved it
How much does RACT car insurance cost?
The cost of your car insurance is based on:
- Your address, where the car is normally kept
- Your excess
- Your previous driving and claims history
- Whether you have any other RACT insurance policies and therefore might be able to get a multi-policy discount
- Your age and type of vehicle
Your premiums might change after taking out cover based on:
- The cost of claims you’ve made, and the expected cost of future claims
- Any changes in government taxes and charges
- RACT business administration costs
What are the excesses?
You will also need to pay excesses, which is a portion of the claim you might need to pay yourself. Multiple excess may apply, including:
- A basic excess – the excess chosen by you
- An age excess – an additional excess may apply based on your age at the time
- Additional excesses – RACT may apply additional excesses based on your specific situation
How to pay premiums
You can pay premiums monthly or annually, with direct debit from a credit card or your financial institution. A surcharge may apply if you pay premiums monthly.
How to make a claim under RACT car insurance
Call 13 27 22 to make a claim. Make sure you have the other party’s name, address and contact information, and the details of any witnesses. Where applicable, remember to file a police report.