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RAA Home Insurance Review

RAC home insurance comes with lots of benefits and savings but it’s only open to WA residents.

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Alexandra Koster
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Our Verdict

  1. RAA home insurance membership benefits are pretty unique. You automatically become an RAA member and get access to extra benefits, from Big W discounts to money off AFL merch.
  2. RAA home insurance comes with lots of discounts, including a 10% multi-policy discount, 10% seniors discounts and you can pay monthly at no extra cost — lots of other insurers we looked at charge you more for this.
  3. It's not for everyone — you can only get a policy if you live in South Australia.

Review by our insurance writer Gary Hunter

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What cover options do RAA offer?

RAA Home and Contents Insurance

  • Covers loss or damage caused by fire, explosion, burglary, theft, attempted theft, lightning, earthquake or tsunami, storm and rainwater run-off, escape of liquid, malicious damage, impact and more
  • Flood cover included
  • Motor burnout cover
  • Breakage of glass
  • Removal of debris and rebuilding costs
  • Replacement of locks
  • Contents in the open air and while temporarily removed
  • $20 million legal liability cover
  • Automatic sum insured adjustment
  • Optional Australia-wide cover for accidental damage
  • Pay by the month at no extra cost
  • Discounts for multi-policy holders
  • Save 15% when you combine home cover and contents cover

RAA Home Insurance

  • Fire including bushfire
  • Up to 12 months accommodation
  • Flood and storm cover as standard
  • Burglary, theft, or attempted theft
  • Replacement of locks
  • Loss of rent
  • Breakage of glass and sanitary fixtures
  • Explosion
  • Lightning
  • Earthquake or tsunami
  • Storm and rainwater runoff
  • Bursting, leaking or discharging or overflowing water or other liquid
  • Malicious damage, intentional damage, or damage by vandals
  • Riot or civil commotion
  • Impact
  • Damage by an animal
  • Automatic sum insured adjustment
  • Legal costs
  • Motor burnout
  • Removal of debris and rebuilding costs
  • Unfixed building materials
  • Legal liability

RAA Contents Insurance

  • Fire including bushfire
  • Spoilage of food
  • Up to 12 months accommodation
  • Flood and storm cover as standard
  • Burglary, theft, or attempted theft
  • Replacement of locks
  • Motor burnout
  • Credit card or ATM cover
  • Explosion, lightning, earthquake, tsunami
  • Storm and rainwater runoff
  • Malicious damage, intentional damage, or damage by vandals
  • Breakage of glass
  • Contents in the open air
  • Contents while temporarily removed
  • Legal costs
  • Moving to a new address in Australia
  • Legal liability

Optional cover

  • Accidental damage
  • Specified items outside and inside the home
  • Premium choice home benefit
  • Pet cover
  • Fixtures and fittings

What kind of general exclusions are there?

Your RAA Home and Contents Insurance claim will not be paid if:

  • It is caused by action of the sea, high water or tidal wave
  • It is caused by asbestos
  • It is for loss, damage or liability to any part of the home which is used for any business activity (except if previously agreed by the insurer)
  • You fail to keep your home and contents in good condition
  • You fail to take reasonable care to protect your home and contents against loss or damage
  • You did not take steps to prevent further loss or damage following an event
  • It is caused by the confiscation or requisition of any property by any government or local authority
  • It is for consequential loss of any kind
  • It arises because the home is being used by you, or someone acting with your knowledge or consent, for a criminal or illegal act
  • It is caused by an inherent defect, defective or faulty workmanship, or defective or faulty design
  • It is deliberately or intentionally caused by you or by someone acting with your consent
  • It is caused by erosion, vibration, subsidence, landslip or landslide
  • It is for the loss of value to your home and contents as a result of an event, theft or repairs being performed
  • It arises due to mechanical or electrical breakdown
  • It is caused by the roots of trees, shrubs or plants
  • Your home is unoccupied for more than 90 consecutive days
  • It is caused by vermin, insects, birds or termites
  • It is caused by wear, tear or gradual deterioration

What's the excess like?

The excess is the amount you are required to contribute towards a claim. The excess amount is shown on your certificate of insurance and RAA will only provide cover if the amount of the claim exceeds the excess you must pay. Your excess may be paid directly to the insurer, deducted from the claim amount the insurer pays you or may be payable to a supplier or repairer.

Unless stated elsewhere in the PDS, a voluntary excess is payable for each claim you make. You can choose to adjust this excess amount higher and receive cheaper premiums in return.

Other excesses that may apply include:

  • Optional cover excesses, such as those that apply to Accidental Damage and Pet Cover
  • Non-removable endorsed excess, which the insurer may impose based on your claims history, occupancy, storage of contents or other factors
  • Non-removal earthquake or tsunami excess, which must be paid when you claim for loss or damage due to an earthquake or tsunami

Who is eligible for RAA home insurance?

RAA Home and Contents Insurance policies can provide cover for Australian residential properties. Compare the features of RAA home insurance with cover options from other insurers to find the right policy for you.

How do I make a claim?

If an event occurs that will lead to a claim, contact RAA as soon as possible to report the incident. You can do so over the phone or online via the RAA website.

Any theft, burglary or malicious damage should be reported to the police immediately, while you should also make sure not to admit any fault or liability.

You will need to allow around 10 minutes to report a claim and should have the following information handy:

  • Your policy details
  • The details and contact information of anyone else involved
  • The police report number (if applicable)

You can contact the RAA claims team on 8202 4575 for more information.

Other questions you may have about RAA home insurance

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2 Responses

    Default Gravatar
    MMarch 26, 2019

    Can I ask for cash instead off store voucher when making a claim on jewellery

    Reply
      Avatarfinder Customer Care
      JohnMarch 27, 2019Staff

      Hi M,

      Thank you for reaching out to Finder.

      Depending on the settlement of the claim, you may request this directly to the company representative if it is possible to have the claim converted into cash instead. Hope this helps!

      Cheers,
      Reggie

      Reply
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