RAA car insurance

RAA has been keeping South Australians and Broken Hill residents safe on the roads since 1903 and is now a leading general insurance provider, 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. 

And customers clearly think they're kicking goals – RAA took out five wins in the 2021 Mozo People's Choice Awards. Plus RAA took out a 2021 Mozo Experts Choice Car Insurance Award for Exceptional Quality Car Insurance. Check out the details of an RAA car insurance policy below:

RAA offers the following car insurance policies

Rates and fees verified as correct at 27 May 2022. Other information correct at the time of writing.
Advertiser disclosure.

Product Monthly premiums available Maximum no claim discount Online discount Choice of repairer
Comprehensive Car Insurance

Yes

up to 70%

n/a

Yes

Frequently asked questions about RAA car insurance

What’s covered under an RAA policy? 

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:

  • Roadside assistance
  • A new car if yours is written off
  • Personal property cover
  • Emergency repairs without assessment (up to a certain amount)
  • Towing costs
  • Travel and accommodation costs in an emergency
  • Replacement car after theft
  • Accidental death for the driver

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.

What isn’t covered?

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:

  • Mechanical breakdown
  • Normal wear and tear or aging
  • If you’re using your car to make money (eg. as an Uber driver, or delivery driver)
  • Your tyres being cut or bursting
  • If your car is unsafe or unroadworthy at the time of an accident

Can I choose what excess I pay?

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.

What discounts are available?

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:

  • No claims discount
  • Multi-policy discount (when you have 3 or more policies)
  • Loyalty discount (if you hold the policy for more than 5 years)
  • A discount if you have an aftermarket alarm or engine immobiliser installed
  • Seniors discount

How is my premium calculated?

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:

  • your driving history
  • age
  • the type of car
  • where you live
  • where the car is kept
  • what you use your car for

How is RAA car insurance rated by customers?

We figure RAA must be doing something right by its customers - after all, it did win five 2021 People’s Choice Awards for its car insurance policies. Want to find out why? You can read all about it in our customer review section.

How to make a claim

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:

  • Your car registration details
  • Details and contact information of any other people involved
  • Contact details of any witnesses
  • The police report number if there is one

How is RAA car insurance rated?

Mozo users have rated RAA car insurance on price, features, convenience, trust and customer service so you can see what real Aussies have to say about their experiences.

Icon of car-insurances
RAA car insurance
Overall
Value for money
Policy coverage
Customer service
Claims handling
Trust

378 Reviews

Recent RAA car insurance reviews

RAA Comprehensive Car Insurance
Overall 6/10
Car Insurance

Unfortunately I am not a fan of any insurance companies at all, but the RAA came in at a good price. I have heard that none of any insurance people pay out on claims easily or quickly, they all make you jump through hoops.

Read full review

Unfortunately I am not a fan of any insurance companies at all, but the RAA came in at a good price. I have heard that none of any insurance people pay out on claims easily or quickly, they all make you jump through hoops.

Value for money
7/10
Policy coverage
6/10
Customer service
8/10
Trust
6/10
Less
Tanya, South Australia, reviewed about 2 months ago
RAA Comprehensive Car Insurance
Overall 10/10
I feel more secure driving my much-loved car

I've been with the RAA for over 20years with third party car insurance and more recently comprehensive car insurance. I find they're reliable to contact, efficient and reasonably priced compared to other insurers I've researched.

Read full review

I've been with the RAA for over 20years with third party car insurance and more recently comprehensive car insurance. I find they're reliable to contact, efficient and reasonably priced compared to other insurers I've researched.

Value for money
9/10
Policy coverage
10/10
Customer service
10/10
Claims handling
10/10
Trust
10/10
Less
Rebecca, South Australia, reviewed 5 months ago
RAA Comprehensive Car Insurance
Overall 8/10
Trusting and reliable

I can rely on RAA for my car needs. They are really good and trustworthy. I had a small situation where my insurance was cancelled so I had to start a new policy. This meant loosing my levelled status and going back to square one. That was a little disheartening but I would still recommend them.

Read full review

I can rely on RAA for my car needs. They are really good and trustworthy. I had a small situation where my insurance was cancelled so I had to start a new policy. This meant loosing my levelled status and going back to square one. That was a little disheartening but I would still recommend them.

Value for money
6/10
Policy coverage
8/10
Customer service
8/10
Claims handling
10/10
Trust
10/10
Less
Hannah, South Australia, reviewed 5 months ago
RAA Car Insurance
Overall 10/10
Very Professional

I have never had a problem with a claim they are quick and professional.

Read full review

I have never had a problem with a claim they are quick and professional.

Value for money
10/10
Policy coverage
10/10
Customer service
10/10
Claims handling
10/10
Trust
10/10
Less
Jackie, South Australia, reviewed 5 months ago

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