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.

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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:

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Theft

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Escape of liquid

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Storms

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Malicious damage

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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

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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

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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

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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

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13 Responses

PamOctober 15, 2016

I have a house that is worth about 300,000. I am presently paying over $2,000 a year in insurance. Can RACQ do me a better deal. My postcode is 4881.

Finder

RichardOctober 17, 2016Finder

Hi Pam,

Thanks for getting in touch. Finder is a comparison service and does not currently have access to this RACQ home insurance. To compare the brands in our panel, please head over to our home insurance home page.

All the best,
Richard

TimJune 24, 2015

What is covered if my house is tenanted, fully furnished and I have home and contents insurance

Finder

RichardJune 24, 2015Finder

Hi Tim,

Thanks for your question. It will depend on your policy. finder.com.au is a comparison service and does not have an affiliation with RACQ. If you would like to find out about the specifics of your policy, your best bet would be to contact RACQ directly.

I hope this was helpful,
Richard

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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.