RAA Home Insurance

RAA Home and Contents Insurance provides high-quality cover for your buildings and contents against a wide range of insured risks. You can choose to take out building cover only, contents cover only or combined cover for your building and contents.

The policy provides cover for loss or damage caused by fire, explosion, theft, storm, flood, malicious damage, impact and more. Motor burnout and glass breakage are also included, while your contents are insured in the open air and while temporarily removed from the insured address. Temporary accommodation costs are covered as well, while $20 million of legal liability cover offers protection if a claim for property damage or injury is made against you.

What cover options do RAA offer?

• Home and contents
• Home only
• Contents only
• Optional cover

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)

Other questions you may have about RAA home insurance

• Do RAA policies provide cover for flood?

  Yes, all RAA home and contents insurance policies include flood cover.

• Is cover for motor burnout included?

  Yes, motor burnout cover is included in your RAA policy.

• Is there a cooling-off period?

  Yes, a 21-day cooling-off period applies to cover, so if you cancel your policy in the first 21 days you will receive a full refund.

• Are there any optional covers available?

  Yes, the following options can be added to your policy for an extra premium:

  • Premium Choice Home Benefit option
  • Accidental Damage option
  • Specified Items Away from Home option
  • Specified Items Inside the Home option
  • Fixtures and Fittings option
  • Pet Cover option

• Will my premium go up at the next renewal because I have made a claim?

  No, your premium amount will not be affected by any claim.

• When do I need to pay my premiums?

  Premiums can be paid monthly, half-yearly or yearly.