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RACT home Insurance

RACT home insurance: buy a policy and get access to member benefits.

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Gary Hunter
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RACT is an motoring club and insurance provider based in Hobart, Tasmania. They've been around since 1923 and offer a number of products and services including car insurance, roadside assistance, travel insurance and home and contents insurance. When you sign up to a policy, you can become a member and get access to a range of other benefits, from travel perks to cashback on your health insurance.

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RACT home insurance policy options

RACT home insurance offers the following home insurance policy options:

Home Insurance

RACT's home insurance policy covers the physical structures that make up your home. This can include the garage and shed as well as the building itself. It can cover you against loss or damage caused by insured events like.

  • Storms and floods
  • Explosions
  • Lightning and fires
  • Theft and malicious acts
  • Animal damage
  • Earthquakes
  • Incidental expenses (optional add on)
  • Environmental improvements (optional add on)
  • Temporary accommodation (optional add on)

Contents Insurance

RACT's contents policy covers loss or damage to your belongings at home. This means contents that are used for domestic purposes and are located at the insured address including rugs, window furnishings, light fittings and installed carpets. Cover includes earthquakes, explosions, fires, impacts, malicious acts, riot or civil commotions, storms, theft, burglary and more. You can also get:

  • New for old contents replacement
  • Portable contents cover (e.g. protection for belongings outside the home)
  • Accidental damage
  • Up to $1,000 cover for spoiled foods due to freezer breakdown

Home and Contents Insurance

RACT's home and contents policy offers the benefits of both home and contents cover. If an insured event like a fire, theft or accidental damage occurs, they can cover you for the costs of repairing or replacing parts of the property and belongings in it.

Here's an overview of RACT's home and contents policy

Here's what you'll be covered for with RACT home and contents insurance policies. Compare the benefits below.

Insured eventsHomeContents
Fire
  • Yes
  • Yes
Lightning
  • Yes
  • Yes
Earthquake or Tsunami
  • Yes
  • Yes
Storm
  • Yes
  • Yes
Flood
  • Yes
  • Yes
Escape of Liquid
  • Yes
  • Yes
Theft or Burglary
  • Yes
  • Yes
Intentional or Malicious damage
  • Yes
  • Yes
Impact
  • Yes
  • Yes
Glass breakage
  • $1,000
  • Yes
Explosion
  • Yes
  • Yes
Riot or Civil commotion
  • Yes
  • Yes

Some other benefits you get with RACT home insurance policies include:

Additional coverHomeContents
Incidental expenses
  • Up to 15%
  • No
Removal of debris
  • Yes
  • Up to 10% of the sum insured
Exploratory costs
  • $10,000
  • No
Safety net
  • Up to 25% sum insured
  • No
Matching and modifying
  • $1,000
  • No
Matching materials
  • No
  • $1,000
Temporary accommodation
  • Up to 10% sum insured
  • No
Temporary accommodation for renters or for strata title owners
  • No
  • Up to 10% of the sum insured
Fixtures when you own a strata property
  • No
  • Up to $10,000 per claim
Landlord's fixtures and fittings when you are a renter
  • No
  • Up to $10,000 per claim
Property belonging to visitors
  • No
  • Up to $1,000 per claim
Environmental improvements
  • Up to $2,500 of the net cost
  • No
Legal liability
  • $20,000,000
  • $20,000,000
Accidental death
  • $5,000
  • $5,000
Keys and locks
  • $1,000
  • $1,000
Damage caused by a trapped animal
  • $5,000
  • $5,000
Damage caused by emergency services
  • $1,000
  • No
Food and medication spoilage
  • No
  • $1,000
Boat equipment not in or on a boat
  • No
  • $1,000 in total
Cash
  • No
  • $300 in total
Vehicle equipment not in or on a vehicle
  • No
  • $1,000 in total
Re-establish important documents - jewellery valuations, passports, wills, drivers licences, marriage certificate, birth certificates, title to your home
  • No
  • $1,000 in total
Tools of trade
  • No
  • $1,000 in total
Bonds, deeds, documents, manuscripts, memorabilia and collections
  • No
  • $1,000 in total
Items containing gold or silver
  • No
  • $1,000 per item
Jewellery
  • No
  • $1,000 per item
Paintings, pictures, works of art, antiques, sculptures and art objects
  • No
  • $1,000 per item
Contents in the open air at the insured address
  • No
  • Up to 20% of the contents sum insured
Contents temporarily removed from the insured address
  • No
  • Up to 20% of the contents sum insured

RACT also provides additional benefits. You can get cover for them by paying extra on your premiums.

Optional coverHomeContents
Accidental damage
  • Yes
  • Yes
Damage to electric motors
  • Yes
  • Yes
Portable items cover
Theft
  • Yes
  • Yes
Lost
  • Yes
  • Yes
Accidental damage
  • Yes
  • Yes

RACT home insurance exclusions

All policies have exclusions. The following is generally not covered by RACT.

  • Actions of the sea
  • Asbestos and hazardous materials
  • Biological, chemical, other pollutant or contaminant
  • Boundary fences
  • Breaking the law
  • Building work
  • Business use
  • Confiscation
  • Consequential loss
  • Contamination
  • Contents in transit (except if you have selected Portable Items Contents cover)
  • Defects
  • Deliberate action
  • Electronically stored software, data and files, and images, including photographs
  • Failure to make a report to the police
  • Poorly maintained homes
  • Ground movement
  • Incidents occurring over time e.g (something that has not occurred as a result of a single event)

For a full list of exclusions, you can check out the general exclusions section of the product disclosure statement (PDS).

RACT home insurance excesses

An excess is an amount that you usually need to pay whenever you make a claim. Sometimes there are more than one that you'll need to pay. It's common across all types of insurance. The following excesses generally apply when you make a claim on your RACT home insurance policy:

  • Standard Excess. This is the excess you need to pay wherever you make a claim. You will be able to choose from a number of different excesses - the higher the excess you choose, the lower your premiums will be.
  • Additional Excess. This might apply when the insurer considered an aspect of the property or owner to be more risky. This excess is generally applied in addition to any others you need to pay.
  • Earthquake or Tsunami Excess. This applies for claims related to earthquakes and tsunamis and is generally in addition to any other excesses you need to pay.

Submitting an RACT home insurance claim

You can submit an RACT home insurance claim online by signing into the member hub or by phone, Monday - Friday, 8am - 5:30pm on 13 27 22. It should take you around 5 to 10 minutes. To make a claim, you'll need the following information:

  • Your policy number, name, address and number
  • Details of the incident
  • Photos of the damage
  • Proof of ownership (e.g. receipts, bank statements)

A claims consultant will advise you about the next steps to complete your claim. In some cases, this can involve having an assessor or tradesperson come out to you and repair or replace any damaged items.

Frequently asked questions

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