RACQ Home Insurance – Find out if Queensland's automotive society can protect your home as well as your car

Having made a name for itself representing the automotive and motoring interests of Queenslanders, RACQ (The Royal Automobile Club of Queensland) offer an array of insurance solutions. As well as travel insurance, boat insurance, CTP insurance and a wide selection of car insurance policies, RACQ also offers home and contents insurance to its customers.

The purpose of insuring your home and contents is to protect your most valuable asset and your most treasured possessions against an extensive range of risks. If something goes wrong, for example your roof is damaged by a hailstorm or if your valuable possessions are destroyed by fire, a home and contents insurance policy covers repair and replacement costs. This gives you the confidence and security you need to simply live your life without having to worry about how you would cope should the worst happen.

RACQ Insurance offers Home Insurance, Contents Insurance and Combined Home and Contents Insurance to customers in Queensland and northern NSW.

RACQ Home Insurance cover options

• Combined Home and Contents Insurance
• Home Insurance
• Contents Insurance

What RACQ exclusions do I need to be wary of?

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

Let's get down to brass tax, how much?

There are many factors that can influence how much you will have to pay for your RACQ Home Insurance, including:

• How much cover do you need? The greater the sum insured, the more you’ll have to pay for cover.
• Where do you live? Your premium will rise if you live in an area that is more likely to be affected by storms or more likely to lead to theft claims.
• What are the specifics of your home? The age and construction of your home. The materials used to build your home and the date it was built can both affect the condition your home is in and how likely it is to suffer damage.
• Do you want to pay an excess? You can choose to pay a higher excess in return for lower premiums.
• Do you have any optional benefits? You’ll need to pay extra for any optional benefits you elect to add to your policy.
• Any other factors? These can include your claims history and other events (for example a cyclone) that affect the whole insurance industry.

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 and a pet excess for any relevant claims.

Got any tips for paying less for RACQ Insurance?

• Alarm discount. If you have an alarm that is monitored 24/7 by a monitoring facility, you can enjoy a 10% discount on your contents premium.
• Apartment discount. Living in an apartment, flat, townhouse, unit or villa entitles you to a 20% discount on you contents premium.
• Combined discount. Owner occupiers who take out a Combined Home and Contents Insurance policy can enjoy a discount of up to 13%.
• Membership loyalty discount. RACQ members enjoy premium savings of up to 17.5%.
• Multi policy discount. Enjoy up to a 5% discount on each policy when you have three or more qualifying policies with RACQ.
• No claim discount. You’ll receive a discount of up to 7% if you haven’t made a claim in the last 12 months.
• Over 55 discount. Nominated insured people who are aged 55 or older can receive up to 10% savings on their home premiums and up to 15% on their contents premium.
• Senior card holder discount. This entitles senior card holders to up to 15% off their home premiums and up to 25% off their contents premiums.

How do I go about making a claim?

If anything happens that could lead to a claim, you’ll need to call RACQ visit an RACQ branch as soon as possible. RACQ Insurance will then tell you what they need from you to process your claim. In most cases you will not have to fill out a claim form, but you may have to provide documentation or evidence to support your claim.

In addition, remember to take all reasonable steps to prevent any further loss or damage to your home or contents, and make sure to report any theft or vandalism immediately to the police.

Hang on a minute, I still have some questions

Q. How can I submit a claim? 

• A. You can notify RACQ Home Insurance of a claim by visiting one of our branches or by phoning 13 72 02.

Q. What if I change my mind about taking out cover? 

• A. Once you have purchased an RACQ Home Insurance policy you have 21 days in which you can change your mind and cancel your cover. Cancelling your policy during this cooling-off period entitles you to a full refund of your premium.

Q. Am I covered for flood? 

• A. Yes, RACQ policies do provide flood cover. Check your PDS to make sure you fully understand what the insurer’s definition of flood does and does not cover.

Q. Where in Australia does RACQ insure people? 

• A. As a Queensland company, RACQ provides cover anywhere in the state of Queensland and in some areas of northern NSW.

Okay, I'm ready to compare policies

Whether you just want cover for your building or your contents, or if you want comprehensive protection for your home and your possessions, RACQ has home insurance policies that can give you the cover you need. Just make sure to compare RACQ’s offerings with other products on the market to ensure that you end up with the right type and level of cover for your situation.