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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.
We don't currently have this brand on our panel. But don't fret! You can head to the RACT website or compare a bunch of other car insurance companies with finder.
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
Yes
Yes
Yes
Accident cover
No
No
Yes
Fire and theft cover
No
Yes
Yes
Cover for damage to your vehicle caused by a uninsured motorist
Yes
Yes
Yes
Flood, storm and other weather incidents
No
No
Yes
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.
Why you can trust Finder's car insurance experts
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Alexandra Koster is Finder's publisher for car, home and pet insurance. She has a Tier 1 certification in General Insurance, as well as a Bachelor of Arts in Film and Cultural Studies from the University of Sydney. Her hobbies include reading Product Disclosure Statements and deciphering complicated insurance lingo to help people save on their insurance so that they can spend their money on better things – like dogs.
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Thanks for getting in touch with Finder. I hope all is well with you. 😃
RACT offers personal cover and it covers you while riding a motorbike. Aside from that, they don’t offer much when it comes to insuring a motorbike. You may want to directly get in touch with RACT to know more about their motorcycle insurance.
Alternatively, you can also check other motorcycle insurance providers. On the page, you will be able to compare motorcycle insurance and get covered. There’s a table that allows you to compare your options based on details and features. Click on the “Go to Site” green button once you’re done comparing.
I hope this helps. Should you have further questions, please don’t hesitate to reach out again.
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I have a car insured with RACT & at the time I was very happy with their price. Now I would like to insure a motorbike. Does RACT insure motorbikes?
Hi Tim,
Thanks for getting in touch with Finder. I hope all is well with you. 😃
RACT offers personal cover and it covers you while riding a motorbike. Aside from that, they don’t offer much when it comes to insuring a motorbike. You may want to directly get in touch with RACT to know more about their motorcycle insurance.
Alternatively, you can also check other motorcycle insurance providers. On the page, you will be able to compare motorcycle insurance and get covered. There’s a table that allows you to compare your options based on details and features. Click on the “Go to Site” green button once you’re done comparing.
I hope this helps. Should you have further questions, please don’t hesitate to reach out again.
Have a wonderful day!
Cheers,
Joshua