You can get 3 different policy types with RAC: building insurance, contents insurance, and a combined home and contents insurance policy. To add to that, RAC also offers landlord's insurance, fire and theft contents cover, and a standalone personal valuables policy.
Here are some main insured events that an RAC home insurance policy covers.
RAC home insurance is underwritten by RAC Insurance Pty Limited. It offers customers a choice of excess amounts and a variety of ways to save when purchasing more than one policy or becoming a member.
Policies come with a cooling-off period of 28 days, which is more generous than the industry standard of 21 days. This means if you want to cancel within the first 4 weeks of taking out a policy, your premium will be refunded provided you haven't made a claim.
RAC received the following highly commended awards in the 2024 Customer Satisfaction Awards:
Congratulations, RAC!
Full list of 2024 winners
All home insurance policies will have general exclusions. Here are a few scenarios where you won't be covered by RAC.
Make sure you review RAC's Product Disclosure Statement for a detailed breakdown of exclusions. You can also head to general exclusions for more information.
We looked at home insurance complaint data from the Australian Financial Complaints Authority (AFCA) between July 2020 and June 2021. The data breaks down different underwriters and compares their business size to the number of complaints processed.
When comparing insurers, keep in mind that insurers with a larger market share serve more customers, so can potentially get more complaints.
Here's an overview of how RAC (RAC Insurance Pty Limited) did:
RAC home insurance comes with a slew of benefits along with its well-rounded policies. However, be sure to check out the exclusions to make sure you're covered for everything you need.
If you're not a WA resident, you'll have to look elsewhere. You can review other home insurance brands side-by-side to help you find the right one for you.
If you've held, or currently hold, an RAC home insurance policy, we'd love to hear from you. Your reviews help other Australians decide if RAC is right for them. Some reviews are from a survey commissioned by Finder.
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Looking for the best home and contents insurance for a standard home located in Western Australia. Currently comparing RAC, Australia Post and Quantas. Do you recommend any other insurers? Thanks
Hey Cherie,
Take a look at our best home insurance page: https://www.finder.com.au/home-insurance/best-home-insurance – that should help you. To determine the picks, we analysed all the home insurers you mentioned, except for RAC. Though we didn’t include them in our research, I can tell you that RAC has a really good reputation in WA, so shouldn’t be ruled out. It’s worth getting a quote from them and a handful of other insurers.
Hope that helps,
Gary