Cover information and limits in the table below verified as correct at 19 March 2024. Other information correct at the time of writing.
Advertiser disclosure.
Important information on terms, conditions and sub-limits
Product | Monthly premiums available | Maximum no claim discount | Online discount | Choice of repairer |
---|---|---|---|---|
Premium Comprehensive Car Insurance |
Yes |
up to 70% |
n/a |
Yes |
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 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.
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:
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.
388 Reviews
Have been with RAA 30+ years, have found them very helpful when i have had to make a claim for an accident. Very fast claims assessment and approval. Rate rises haven't been to bad. Definitely would keep using them.
Read full reviewHave been with RAA 30+ years, have found them very helpful when i have had to make a claim for an accident. Very fast claims assessment and approval. Rate rises haven't been to bad. Definitely would keep using them.
I really trust this brand. I love being connected to their information and competitions and member benefits.
Read full reviewI really trust this brand. I love being connected to their information and competitions and member benefits.
So, here is an interesting conversation between an Insurance CEO and an AI ... So, if you are an insurance company, what are you waiting for?
Read full reviewSo, here is an interesting conversation between an Insurance CEO and an AI ... So, if you are an insurance company, what are you waiting for?
Recently on a trip back from Victoria I called in at Liberty service station in Bordertown. They advertised Premium Diesel and normal diesel. I pulled up at the bowser seen diesel and premium beside the diesel and put it in my car. Needless to say I put petrol in a diesel car. When I went to pay was when I found out. I called the RAA roadside assistance, they towed the car to nearby RAA depot. I then rang RAA to find out how I get home now, I’m entitled to 2 days car hire, unfortunately I was told there’s no car hire there, they could put me up in a motel but I had my dog with me, so virtually I was left stranded in Bordertown with a dog over 3 hours from home on a Saturday. I had to arrange for someone to come and pick me up. RAA would have left me outside that service station all night all weekend until my car could be towed to Narracorte to get the tank emptied. Then trying to get the tow organised on the Monday was nothing short of disgusting. I’ve been on the phone to different people for over 3 hours. Absolutely disgusting service. Perhaps our house insurance, and 4 cars needs to be with another provider because RAA would of left a 68 year old woman stranded on a Saturday in Bordertown because there was no services to help me get home in a country town in SA
Read full reviewRecently on a trip back from Victoria I called in at Liberty service station in Bordertown. They advertised Premium Diesel and normal diesel. I pulled up at the bowser seen diesel and premium beside the diesel and put it in my car. Needless to say I put petrol in a diesel car. When I went to pay was when I found out. I called the RAA roadside assistance, they towed the car to nearby RAA depot. I then rang RAA to find out how I get home now, I’m entitled to 2 days car hire, unfortunately I was told there’s no car hire there, they could put me up in a motel but I had my dog with me, so virtually I was left stranded in Bordertown with a dog over 3 hours from home on a Saturday. I had to arrange for someone to come and pick me up. RAA would have left me outside that service station all night all weekend until my car could be towed to Narracorte to get the tank emptied. Then trying to get the tow organised on the Monday was nothing short of disgusting. I’ve been on the phone to different people for over 3 hours. Absolutely disgusting service. Perhaps our house insurance, and 4 cars needs to be with another provider because RAA would of left a 68 year old woman stranded on a Saturday in Bordertown because there was no services to help me get home in a country town in SA