RAA has been keeping South Australians and Broken Hill residents safe on the roads since 1903 and is now a leading general insurer, offering policies to protect your car, home and contents, boats and caravans.
RAA is independently owned and underwrites its own car insurance policies - so you know you’re dealing with people who know the product inside and out. Plus, it bagged a Mozo People’s Choice Award in 2016, which is pretty impressive.
Check out the details of an RAA car insurance policy below:
| Product | Monthly premiums available | Maximum no claim discount | Online discount | Choice of repairer |
|---|---|---|---|---|
|
| up to 70% | none |
|
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It’s important to have a good idea of what’s covered by your policy so that you can make successful claims. Here are some of the main things covered by your RAA comprehensive policy:
Remember that modifications, the cost of a rental car after an accident and rental car liability are all things you can add to your cover as an optional extra.
Even a comprehensive car insurance policy doesn’t cover everything - your policy is mainly designed to cover you for accidents and vandalism, not breakdowns or natural depreciation. Here are some of the exclusions from your RAA policy that you should keep in mind:
Absolutely. Most car insurance policies come with the choice of paying high or low excess and RAA is no different. Might sound like a no brainer, but here’s the catch - if you choose to pay low excess, you’ll pay a higher premium upfront. And if you want to lower your premium, you can do so by opting for a higher excess.
You’ll need to decide what’s better for your budget.
Discounts can really help to keep your car insurance costs low - so make sure you know which ones you’re eligible for. RAA discounts you might be able to snag include:
Generally speaking, car insurance premiums are calculated depending on your risk factor - the more likely you are to need to make a claim, the higher your premium will be. But how does RAA work out how risky you are? Well, a heap of factors go into the decision, including:
We figure RAA must be doing something right by its customers - after all, it did win a Mozo 2016 People’s Choice Award for its car insurance policies. Want to find out why? You can read all about it in our customer review section.
If you need emergency assistance, you should contact RAA over the phone. If you’ve had an accident but it’s not an emergency, you can get in contact either over the phone or online for most claims.
When you make the claim, it will be faster and easier if you have a few things ready, including:
