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RACT car insurance review

The Tasmanian insurer was more expensive than other brands but some common benefits are missing from its cover.

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Our verdict


  • Buy your car insurance and roadside assistance all in one place
  • Tailored cover available for older, unusual, unique and rare cars
  • Support available from a Tasmanian-based call centre and nine physical branches


  • Cover isn't available to drivers who live outside of Tasmania
  • RACT's policies are, on average, significantly more expensive than other brands
  • You can't choose your own repairer, which could be inconvenient for some drivers

How does RACT car insurance compare with other car insurers?

RACT's comprehensive cover is typically more expensive than cover offered by other car insurance brands yet misses some common benefits, including choice of repairer and market value cover.


Name Product Choice of repairer New Car Replacement Roadside assistance Hail, storm and flood damage
RACT Comprehensive
  • If your car is written off in the first 2 years
  • Optional
    Budget Direct Comprehensive
  • If your car is written off in the first 2 years or is under 40,000kms
  • Optional
    Finder's summary: The 2024 winner of our Best Value Car Insurance award. It's cheaper than most, plus you can lower costs by adding age restrictions.

    ⭐ Current offer: 15% off your first year's premium when you take out a policy online. T&Cs apply.

    Who it might be good for: Anyone who wants a good value policy.
    NRMA Comprehensive
  • If your car is written off in the first 2 years
  • Optional
    AAMI Comprehensive Car Insurance
  • If your car is written off or stolen in the first 2 years
  • Optional
    Finder's summary: AAMI's comprehensive policy includes cover for legal modifications and accessories and up to $20 million cover for damage to other people's property. Optional extras like windscreen and window glass cover is also available.

    ⭐ Current offers: Save $50 when you buy a new comprehensive car insurance policy online. T&Cs apply.

    Who it might be good for: Safe drivers can benefit from the AAMI Safe Driver Rewards® program.
    Allianz Comprehensive
  • If your car is written off or stolen in the first 2 years
  • Finder’s summary: Allianz is good if you want agreed value (this lets you agree on an amount to cover your car for). For a big insurer, it also has a strong customer service record.

    Who it might be good for: Anyone who wants good customer service and agreed value cover.


    According to our 2024 Finder Car Insurance Awards research, RACT's policies are, on average, more expensive than policies offered to Tasmanian drivers by national car insurance brands. However, some of these cheaper car insurance brands lack the same support RACT can offer — like a physical branch to visit. Keep in mind, the best car insurance for you may depend on more than price.

    InsurerNSWQLDSATASVICWAAustralia averageApply
    RACT logon/an/an/a$1,428n/an/an/aMore info
    Budget Direct Logo$1,148$941$978$829$1,180$880$992Get quote
    youi$1,640$1,307$1,087$1,155$1,599$1,363$1,359Get quote
    NRMA logo$2,027$1,154$1,038$1,004N/A$1,034$1,043More info
    AAMI$1,884$1,106$1,015$985$1,318$1,002$1,218More info

    About our car insurance methodology

    Compare RACT car insurance's policies

    Name Product Accidental damage Roadside assistance Fire and theft New Car Replacement Hire car after theft
    RACT Comprehensive
  • If your car is written off in the first 2 years
  • No limit mentioned - Up to 14 days
  • RACT Third Party Fire & Theft
  • RACT Third Party Only
  • loading

    What additional cover options are available?

    • Hire car after accident - Get a hire car for up to 14 days if your car is accidentally damaged and a claim is accepted.
    • Nil windscreen excess - Remove the excess on windscreen and window glass claims.

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    Nicola Middlemiss's headshot
    Senior writer

    Nicola Middlemiss is a contributing writer at Finder, with a special interest in personal finance and insurance. Formerly a business and finance journalist, Nicola has written thousands of articles helping Australians better understand insurance and grow their personal wealth. She has contributed to a wide range of publications, including Domain, the Educator, Financy, Fundraising and Philanthropy, Insurance Business, MoneyMag, Mortgage Professional, Yahoo Finance, Your Investment Property, and Wealth Professional. Nicola has a Tier 1 General Insurance (General Advice) certification and a Bachelor's degree from the University of Leeds. See full bio

    Nicola's expertise
    Nicola has written 238 Finder guides across topics including:
    • Personal finance
    • Personal insurance, including car, health, home, life, pet and travel insurance
    • Commercial business insurance

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    2 Responses

      Default Gravatar
      TimApril 1, 2019

      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?

        JoshuaApril 3, 2019Finder

        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!


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