
Get exclusive money-saving offers and guides
Straight to your inbox
Posted
We’re reader-supported and may be paid when you visit links to partner sites. We don’t compare all products in the market, but we’re working on it!
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.
RACT home insurance offers the following home insurance policy options:
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.
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:
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 what you'll be covered for with RACT home and contents insurance policies. Compare the benefits below.
Insured events | Home | Contents |
---|---|---|
Fire |
|
|
Lightning |
|
|
Earthquake or Tsunami |
|
|
Storm |
|
|
Flood |
|
|
Escape of Liquid |
|
|
Theft or Burglary |
|
|
Intentional or Malicious damage |
|
|
Impact |
|
|
Glass breakage |
|
|
Explosion |
|
|
Riot or Civil commotion |
|
|
Some other benefits you get with RACT home insurance policies include:
Additional cover | Home | Contents |
---|---|---|
Incidental expenses |
|
|
Removal of debris |
|
|
Exploratory costs |
|
|
Safety net |
|
|
Matching and modifying |
|
|
Matching materials |
|
|
Temporary accommodation |
|
|
Temporary accommodation for renters or for strata title owners |
|
|
Fixtures when you own a strata property |
|
|
Landlord's fixtures and fittings when you are a renter |
|
|
Property belonging to visitors |
|
|
Environmental improvements |
|
|
Legal liability |
|
|
Accidental death |
|
|
Keys and locks |
|
|
Damage caused by a trapped animal |
|
|
Damage caused by emergency services |
|
|
Food and medication spoilage |
|
|
Boat equipment not in or on a boat |
|
|
Cash |
|
|
Vehicle equipment not in or on a vehicle |
|
|
Re-establish important documents - jewellery valuations, passports, wills, drivers licences, marriage certificate, birth certificates, title to your home |
|
|
Tools of trade |
|
|
Bonds, deeds, documents, manuscripts, memorabilia and collections |
|
|
Items containing gold or silver |
|
|
Jewellery |
|
|
Paintings, pictures, works of art, antiques, sculptures and art objects |
|
|
Contents in the open air at the insured address |
|
|
Contents temporarily removed from the insured address |
|
|
RACT also provides additional benefits. You can get cover for them by paying extra on your premiums.
Optional cover | Home | Contents |
---|---|---|
Accidental damage |
|
|
Damage to electric motors |
|
|
Portable items cover | ||
Theft |
|
|
Lost |
|
|
Accidental damage |
|
|
All policies have exclusions. The following is generally not covered by RACT.
For a full list of exclusions, you can check out the general exclusions section of the product disclosure statement (PDS).
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:
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:
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.
Sony’s PlayStation 2 changed the gaming world back in the year 2000, but right now, what are the must-have and must-play games on the platform?
Today's best Finder Daily deals include: Huge men's sneaker sale, 40% off Ray-Bans sunglasses, 47% off Apple iPhone XS.
We talk you through how to get home office insurance.
How to find safe, secure and affordable boat storage near you.
How to find the best car storage facility to keep your set of wheels safe and secure.
The American Express Velocity Business Card earns points per $1 spent and offers complimentary travel insurance and two complimentary Virgin Australia lounge passes each year.
How home insurance can cover you for food spoilage and save you hundreds on wasted food.
Want hearing aid insurance? Home insurance is the answer.
All home insurance policies have a common list of covered events. These insured events include things like fire, storm and theft.
Millions of Australians are shopping around for cheaper health insurance in the new year, according to new research by Finder, Australia’s most visited comparison site.