RAA Comprehensive Car Insurance really rewards drivers who have a clean claims history, with a no claims bonus that can grow as large as 70% and is protected for life once you reach it. This policy comes with all the perks of a top level of car insurance policy while giving you the opportunity to save some of your hard-earned cash through multi-policy, loyalty and seniors discounts.
Did we also mention that it's an award winner? That's right, RAA's Comprehensive Car Insurance policy picked up an award for Exceptional Quality Car Insurance at the 2020 Mozo Experts Choice Awards.
With RAA’s Comprehensive Car Insurance policy you will have the freedom to choose whether you want your car insured at an agreed or market value and where it is going to be repaired if you are involved in an accident. If you own and regularly use your own trailer, you will be covered up to the value of $1,500 if it is damaged or stolen while attached to your insured vehicle or if you’re windscreen is chipped or cracked you’ll be able to get that fixed without having to pay an excess. Keep in mind that RAA don’t offer roadside assistance as standard so you’ll have to choose it as an optional extra and while they will cover the cost of a rental if your car is stolen, rental costs following an accident are also an optional extra.
If you’re a driver who has spent years carefully racking up the maximum no claims bonus then you can rest easy knowing that no matter what happens, this is protected for life and you will be reaping the rewards of an attractive 70% no claims bonus as long as you’re with RAA. On top of that, you can also save 10% for having 3 or more policies with RAA and another 10% if you’re a senior.
RAA is a South Australian insurance company so you’ll only be able to take out its Comprehensive Car Insurance if you’re a resident of that state. A generous no claims bonus scheme means this policy is great value for drivers with a clean claims history.
It is also a good policy to consider if you don’t have the funds to pay for a full year upfront because RAA give you the option to pay by the month at no extra cost.
Keep in mind however, that you’ll need to elect for roadside assistance and rental cover after an accident as optional extras and obviously you won’t be able to take this policy out if you’re not a South Australian driver.
Yes
$300 - $1,300
$600 for drivers under 21, $500 for drivers under 25.
- (QLD)
- (ACT)
- (NT)
- (WA)
- (VIC)
- (TAS)
- (NSW)
70% (SA)
8 years
n/a
10% discount for 3 or more policies
Maximum no claims discount is protected for life when insured reaches the maximum no claims discount level.
Loyalty discount of $40 if you hold the policy for more than 5 years.|A discount of $30 applies if you have an after market alarm or engine immobilser installed.|Seniors discount of 10%.
Optional Extra
Yes
Yes
n/a
n/a
Agreed or Market
Yes - lifetime new car replacement if you are the first registered owner and have held the policy with the insurer since new
Up to $1,000 if damaged or stolen.
Yes - $0 windscreen excess.
Up to $750
Reasonable towing costs. Up to $750 travel and accommodation costs if greater than 100 km from home. Up to $150 for taxi fares.
Yes - Up to 21 days.
Not at fault - Optional Extra. At fault - Optional Extra. Up to 14 days, max $65 per day.
Yes - legal liability cover when using a substitute vehicle. Optional extra - $4,000 contribution towards excess or security bond when using a hire car after an event.
Up to $1,500
Up to $750 if stolen.
Yes
Covered only if agreed in writing.
5,000 if driver is 18 years old or over.
Optional Extra
RAA cover three of my vehicles offering competitive pricing, clear policy explanations and pleasant, efficient customer service.
Read full reviewRAA cover three of my vehicles offering competitive pricing, clear policy explanations and pleasant, efficient customer service.
Good service but needs faster response time.
Read full reviewGood service but needs faster response time.
I have been with RAA for over 10 years and I'm completely happy with them.
Read full reviewI have been with RAA for over 10 years and I'm completely happy with them.
I've been with this company a long time. Very competitive with values and premiums.
Read full reviewI've been with this company a long time. Very competitive with values and premiums.
We lost our car in a creek up north and the RAA assessor was on the job next day! He recommended $1000 more than we were insured for and it was paid in five days! We had a new car in a week from the accident!
Read full reviewWe lost our car in a creek up north and the RAA assessor was on the job next day! He recommended $1000 more than we were insured for and it was paid in five days! We had a new car in a week from the accident!
