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’s comprehensive car insurance policy won a 2023 Mozo Experts Choice Award in the Exceptional Quality Car Insurance category. Check out the details of an RAA car insurance policy below:

RAA offers the following car insurance policies

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.

Product Monthly premiums available Maximum no claim discount Online discount Choice of repairer
Premium 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 (conditions apply, such as the manufacturing date of the car)
  • 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 of 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
  • Written-off cars manufactured pre-2014

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

388 Reviews

Recent RAA car insurance reviews

RAA Car Insurance
Overall 10/10
Excellent Insurer.

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 review

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.

Value for money
10/10
Policy coverage
10/10
Customer service
10/10
Claims handling
10/10
Trust
10/10
Less
Bruce, South Australia, reviewed about 3 hours ago
RAA Comprehensive Car Insurance
Overall 10/10
Great benefits

I really trust this brand. I love being connected to their information and competitions and member benefits.

Read full review

I really trust this brand. I love being connected to their information and competitions and member benefits.

Value for money
9/10
Policy coverage
10/10
Customer service
10/10
Trust
10/10
Less
Amber, South Australia, reviewed 4 months ago
RAA Car Insurance
Overall 5/10
could do better

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 review

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?

Value for money
7/10
Policy coverage
7/10
Customer service
7/10
Claims handling
7/10
Trust
7/10
Less
Trevor, South Australia, reviewed 5 months ago
RAA Comprehensive Car Insurance
Overall 1/10
Fiona

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 review

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

Value for money
1/10
Policy coverage
1/10
Claims handling
1/10
Less
Kearney, South Australia, reviewed 7 months ago
See all car insurance reviews
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