How do I make a claim with RACQ?

You can lodge a home insurance claim with RACQ online, where you can save your claim and finish it later, or by calling 13 7202. Before you start, make sure to have the following prepared: Your customer reference number or policy details Information about the incident including when, where and how the damage occurred Supporting documents including invoices, receipts or photos Information about any other people, vehicles or property involved

Does RACQ Home Insurance cover flood?

Yes, flood is automatically included as an insured event with RACQ. This is a highlight of an RACQ policy as flood cover is often available only as an optional extra with other brands. As with any policy, there are exclusions to the cover, so make sure to review them when making your decision.

Does RACQ insure my home while it’s being renovated?

No, while renovating your home, RACQ does not cover you for any of its listed 14 insured events.

What excesses apply to RACQ policies?

If you ever make a claim on your RACQ policy, you’ll need to make a contribution towards the cost of settling that claim by paying an excess. A standard excess applies when you take out your policy, though you can choose the level of excess you would like to pay and adjust your premium amount as a result. Other excesses include an earthquake excess, pet excess and mobile phone excess for any relevant claims.

What discounts are available for an RACQ Home Insurance policy?

Along with its wide range of member benefits, RACQ also gives policyholders a variety of ways to save on premiums. Online discount Roadside assistance loyalty discount Combined home and contents policy discount Household excellence bonus Over 55 discount Alarm discount Apartment discount Multi-policy discount No claim discount Senior card holder discount When looking at discounts, it's important to know that some of these discounts are applied to the base premium of the policy only. This means that if you choose optional extras like motor burnout, the discount may not apply to that portion of your policy.

RACQ Home Insurance Review

4.3 (51 reviews) Write a review

Flood cover is included as standard with RACQ Home Insurance.
You can choose building, contents, or combined home and contents insurance.
You become an RACQ member when you take out a policy, which gives you access to member benefits and discounts.

RACQ isn't on Finder's panel, but you can get a quote on RACQ's website or compare other home insurance companies with Finder.

Compare home insurance fast

What does RACQ Home Insurance cover?

RACQ Home Insurance is designed for people who live in, or own property in, Queensland.

There are 3 policies available: home insurance which covers the building, contents insurance which covers your belongings, and a combined home and contents insurance policy for those who want complete peace of mind. When you take out RACQ Home Insurance, you also become an RACQ member and get access to member benefits and discounts.

Some main events covered by RACQ Home Insurance include the following:

lock icon

Theft

water tap icon

Escape of liquid

thunderstorm icon

Storms

broken package icon

Malicious damage

broken window icon

Breakage of glass

RACQ Home Insurance is issued by RACQ Insurance Limited. Policies come with a cooling-off period of 21 days, which is the industry standard. This means if you decide to cancel within the first 3 weeks of taking out a policy and haven't made a claim, you’ll receive a full refund.

Here’s the rundown of an RACQ Home Insurance policy

Standard features
Optional add-ons
Exclusions

Check icon

Standard features

These are some of the standard features that you can claim on with RACQ Home Insurance if an insured event causes loss or damage.

Accidental glass breakage
Credit card misuse
Demolition and removal of debris
Food and medicine spoilage

Home modifications after a serious injury
Costs to re-key, recode or replace locks
Replacing trees, shrubs, plants and hedges
Temporary accommodation

plus icon

Optional add-ons

You can add optional extras to your RACQ Home Insurance policy at an extra cost. Here’s an overview of what’s available:

Advanced cover
Motor burnout
Landlords fixtures and fittings
Mobile phones

Pet cover
Small business contents
Specified items
Items away from home

Exclusions

Before taking out an RACQ Home Insurance policy, you should be aware that certain events and occurrences are not covered under your policy. Your claim will not be paid for the following:

Actions of the sea including erosion and king tides
Deliberate acts
Pests and parasites
Roots and trees

Rust and mould
Seepage and pollution
An act of terrorism or war
Wear and tear through normal use

Make sure you read RACQ's PDS for a more detailed breakdown of exclusions. You can also head to home insurance general exclusions for more information.

Our verdict

RACQ gives you a heap of chances to save, from loyalty discounts and no claim bonuses to multi-policy discounts and savings for seniors.
Flood cover comes standard on its policies and includes cover for storm surge, which is a plus because many other home insurers don’t cover this.

RACQ premiums came in at the higher end of home insurance policies on Finder according to our research.

Here's the bottom line about RACQ

RACQ Home Insurance appears to be a well-rounded policy that has a generous flood cover benefit that many Queenslanders would be hunting for. One thing to look out for is its higher than average premium, although RACQ does give you a slew of opportunities to save with discounts and rewards for policyholders.

Not too sure yet? You can compare other home insurance brands side by side so that you end up with a policy you’re happy with.

Frequently asked questions

You can lodge a home insurance claim with RACQ online, where you can save your claim and finish it later, or by calling 13 7202.
Before you start, make sure to have the following prepared:
- Your customer reference number or policy details
- Information about the incident including when, where and how the damage occurred
- Supporting documents including invoices, receipts or photos
- Information about any other people, vehicles or property involved
If you ever make a claim on your RACQ policy, you’ll need to make a contribution towards the cost of settling that claim by paying an excess. A standard excess applies when you take out your policy, though you can choose the level of excess you would like to pay and adjust your premium amount as a result. Other excesses include an earthquake excess, pet excess and mobile phone excess for any relevant claims.
Along with its wide range of member benefits, RACQ also gives policyholders a variety of ways to save on premiums.
Online discount
Roadside assistance loyalty discount
Combined home and contents policy discount
Household excellence bonus
Over 55 discount
Alarm discount
Apartment discount
Multi-policy discount
No claim discount
Senior card holder discount
When looking at discounts, it's important to know that some of these discounts are applied to the base premium of the policy only. This means that if you choose optional extras like motor burnout, the discount may not apply to that portion of your policy.

Compare other products from RACQ

Finder writers are subject matter experts and use primary sources, in-depth research and interviews with other experts to ensure you're getting accurate, up-to-date information. Articles are fact checked in line with our editorial guidelines.
1. RACQ Home and Contents, Home Only and Contents Only Insurance information page
2. RACQ Home and Contents, Home Only and Contents Only Insurance information PDS, SPDS, and TMD

Leave an RACQ Home Insurance review

If you've held, or currently hold, an RACQ Home Insurance policy, we'd love to hear from you. Your reviews help other Australians decide if RACQ is right for them. Some reviews are from a survey commissioned by Finder.

Thank you for your feedback!

Written by

Cristal Dyer

Writer

Add to Preferred Sources

Cristal Dyer is a travel writer at Finder. She has been writing about travel for over five years and has visited over 40 countries around the world. Cristal currently travels full-time, writing about her favourite cities and food finds, and she is always on the lookout for amazing flight deals to share. See full bio

More resources on Finder

Ask a question

Click here to cancel reply.

Display name

Your email (will not be published)

Your question

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms Of Service and Finder Group Privacy & Cookies Policy.

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

13 Responses

SueSeptember 16, 2021

I would like a quote on my property and household contents. Land is $480,000 and contents to the value of $100,000.

Finder

JamesSeptember 23, 2021Finder

Hi Sue,

You can request for a quote directly from RACQ through their website: https://www.racq.com.au/insurance/get-insurance/home-insurance

Simply click the ‘Get a quote’ button and answer a few questions about yourself and your property.

I hope this helps!

Cheers,
James

BecJuly 18, 2018

I’m looking for a quote for landlord insurance and there doesn’t seem to be a category. I assumed it’s a different policy to buildings. Any help finding a quote?

JoelJuly 18, 2018

Hi Bec,

Thanks for leaving a question on Finder.

We have a comparison of landlord insurance. You can press the “Get a quote” button from the table to compare quotes from different brands. Please ensure you review the relevant Product Disclosure Statements/Terms and Conditions before purchasing a policy.

Cheers,
Joel

roomeApril 17, 2017

will house insurance cover my tv antenna

Finder

ZubairApril 18, 2017Finder

Hi Roome,

Thank you for your question.

You have contacted finder.com.au, a comparison and information service and not actually RACQ Home Insurance.

RACQ Home Insurance does not state anything related to tv antenna in their product disclosure statement, so you will need to contact them directly about this matter.

Cheers,
Zubair

BewareMarch 7, 2017

I have always felt that RACQ was a trustworthy, solid brand. I had home and contents + car + pet with them last year. When I received the invoice for renewal of home and contents recently, their price increase year on year was 21% for exactly the same insurance. I called and they asked a few questions re history etc and they re-quoted so that the increase was brought down to 18%. I had a couple of conversations with them, asked to speak to supervisors etc, and was told that they had done everything they could to bring the price down but 18% increase was the best they could do. They did say that the price had gone up for many reasons, One was that the online signing up discount from last year no longer applies. Another was that they had revalued the property and the premiums reflected an approx 7% increase in their valuation of the property, therefore attracting higher premiums for the policy. After much talk about why the premiums had increased so much and how they could justify such an increase, they finally said the major amount of the increase was just that they had increased their rates. Discussions about how outraged all Australians are at a 5-6% increase in their health insurance every year, and comparing that to RACQs 18% hike went nowhere in the end. No point event talking to them. So BEWARE – make sure you check the $$ from year to year, and vote with your feet, like I did.

VirginiaFebruary 13, 2017

We have had power out since 5pm due to a bad storm, it is now 7.40 , how long have I got til my food is no longer any good in fridge/ freezer, and can I claim perishables

Kind regards

Finder

ZubairFebruary 14, 2017Finder

Hi Virginia,

Thanks for getting in touch. If you have home and contents insurance with RACQ you may have cover for spoiled frozen and refrigerated goods if the damage is caused by an insured event such as the public electricity supply failing at your home.

You will need to contact RACQ directly about this matter to find out if and when you will be covered as cover levels can vary from policy to policy. You should also review your policy document if you can find it.

All the best,
Zubair

More guides on Finder

ALDI home insurance review
ALDI offers home, contents and landlords insurance. Its policies have thorough coverage with generous benefit limits.
Defence Services home insurance review
If you serve or have served, you are probably eligible for home insurance with the Defence Service Homes Insurance Scheme.
GIO home insurance review
GIO home Insurance has one of the most comprehensive policies around, covering you for environmental upgrades, emergency accommodation + more.
RAC home insurance review
If you live in WA, RAC home insurance could be good for you. It comes with lots of benefits and savings, including RAC membership.
CBA Home Insurance Review
Compare features and benefits of CBA's home insurance policy. Discover if it's right for you with this handy guide.
NAB home insurance review
A review of NAB's home and contents insurance policies. Find out how NAB can cover your house and possessions, giving you peace of mind and protection against the worst.
Bank of Queensland Home Insurance
Need home and contents insurance? Check out Bank of Queensland's Vero Secure Home Extra Insurance and Vero Secure Home Elite Insurance policies.
Budget Direct Home Insurance Review
Here's a review of the home insurance products available from Budget Direct.
Suncorp home insurance review
Compare the home insurance options available from Suncorp.
QBE Home Insurance Review
Review and compare policy features here and determine if QBE has a policy that is right for you.

RACQ Home Insurance

RACQ Home Insurance covers Queensland homes for storm, flood, hail, fire and theft, and you become an RACQ member when you take out a policy.