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RAC 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. When you take out an RAC home insurance policy, you automatically become an RAC member and get access to extra benefits, from retail discounts to money off insurance.
  2. It comes with lots of opportunities to save, from $70 online in your first year, 15% off when you combine your home and contents insurance and up to 25% off your contents insurance when you instal an RAC monitored alarm.
  3. It's not for everyone — only WA residents can sign up.

Review by our insurance writer Gary Hunter

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RAC Home and Contents Insurance policy options

RAC has the following home insurance options.

  • Home and Contents Insurance. This covers your home and your belongings against events such as fire, flood, storm, theft, malicious damage. It also comes with new for old replacement, temporary accommodation and more.
  • Building Insurance. This policy covers the home itself including the garage, shed and fence. Some of the benefits include accidental glass breakage cover, demolition and removal of debris, temporary accommodation and more.
  • Contents Insurance. This covers your belongings only, which can include clothes, jewellery, furniture, carpets and other household appliances. You can get additional coverage if you want higher value items insured.
  • Renters Insurance. Renters insurance provides cover for fire and theft for a value of up to $25,000, belongings including the TV, games console, clothing, jewellery, trade tools and more. You can also get new for old replacement, fixtures and fittings which belong to you and more.

RAC also provides landlord insurance if you own and are looking to insure your property.

General exclusions

RAC will not pay your home insurance claim in the following situations:

  • You fail to provide reasonable protection for your building or contents.
  • You leave your building unoccupied for 60 consecutive days or more.
  • You carry out structural alterations or renovations that cost more than $50,000 without telling the insurer.
  • You illegally store flammable liquids or explosives at your site.
  • It is for storm damage, malicious damage, theft or any attempted theft which occurs during renovations.
  • It is due to the actions of the sea, including a storm surge, high tide or tsunami.
  • It is caused by erosion, subsidence or landslide.
  • It is caused by wear and tear, gradual deterioration or lack of maintenance.
  • It is the result of a structural, design, material or product defect.
  • It is for any pre-existing damage to your property.
  • It is caused by the lawful destruction or confiscation of your property.
  • It is caused by mildew, rust or rot.
  • It is caused by vermin or insects.
  • It is for the cost of cleaning up asbestos or removing asbestos.
  • It is for any loss, damage or liability which arises outside of Australia.
  • You fail to keep your building or contents in good condition, structurally sound and watertight.
  • Your building is used for an unlawful purpose.
  • Your building is used for a business, trade or profession that the insurer has not agreed to.

RAC home insurance excess

When you make a claim on your policy, you may need to pay an excess. There are several types of excesses that may apply:

  • Basic excess. You need to pay the basic excess when you make a claim on your policy. However, you can pay an additional premium if you would like to remove the building and/or contents excess from your policy. The following basic excesses apply:
  • Building claim: $200
  • Contents claim: $200
  • Personal valuables claim: $100
  • Accidental damage to contents claim: $350
  • Earthquake excess. You’ll need to pay an additional $500 excess for any earthquake claim.
  • Flood excess. A $200 excess is payable on flood claims.
  • Special excess. The insurer may impose an additional excess on your policy after assessing risk factors such as your building, your contents or your claims history.

Who can apply?

RAC home insurance is available to Australian residential properties only. There are no other special eligibility requirements that you need to meet, so compare RAC’s policies with cover from other insurers.

Making a claim with RAC

There are several ways you can make a claim on your RAC home and contents insurance policy:

  • By filling out an online form. You can claim online 24/7 by filling out a simple form. You’ll need to provide your policy details and the full details of the incident for which you are claiming. RAC will then get in touch to update you on the progress of your claim.
  • By using myRAC. You can claim through the myRAC member portal and receive a response within two hours. This makes it quick and easy to lodge simple windscreen and motor glass claims. You can also track the progress of your claim at any time.
  • Over the phone. You can contact RAC’s West Perth claims team on 13 17 03 to make a claim on weekdays from 7am to 8:30pm and on weekends from 8:30am to 5:00pm.
  • At a branch. You can also lodge a claim in person at RAC’s West Perth or Morley Service Centres.

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