RAA - Comprehensive Car Insurance

RAA Comprehensive Car Insurance Review

Rates and fees information correct as at 14 December 2018.

Review published: 20 September 2017

What's hot:

  • 2018 Mozo Experts Choice Winner

  • Pay your premium monthly at no extra cost

  • No claim bonus up to 70%

  • Multi-policy discount of 10%

What's not:

  • Only available in SA

Mozo snapshot:

RAA Comprehensive Car Insurance really rewards drivers who have a clean claims history with a no claims bonus that can grow to as large as 70% and is protected for life once you reach it. A Mozo Experts Choice Award winner in 2018 for Exceptional Quality, this policy comes with all the perks of a top level of car insurance cover while giving you the opportunity to save some of your hard-earned cash through multi-policy, loyalty and seniors discounts.

Key features:

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 will also give you $40 back on your Comprehensive Car Insurance premium if you’ve held the policy for more than 5 years and an extra $30 if your car is fitted with an aftermarket alarm or engine immobiliser.

Who it's good for:

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 and the fact that once you’ve reached the maximum rating it is protected for life, means that for drivers with a clean claims history, this policy represents great value.

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.

Any catches?

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.

How is RAA car insurance rated by the Mozo community?

Product Type Overall Rating Price Features Service Claims Handling Trust
8.4

Based on 345
RAA car insurance reviews

7.9 8.1 8.5 8.4 8.5

Read RAA car insurance reviews by the Mozo community

Latest reviews of RAA Comprehensive Car Insurance

RAA

RAA Comprehensive Car Insurance car insurance review

Overall rating   8 / 10

Competitively priced car insurance

Every year at renewal time I do a car insurance comparison and RAA are always able to offer me great insurance at a premium price that is less than others when comparing alike for alike.

Full review

Every year at renewal time I do a car insurance comparison and RAA are always able to offer me great insurance at a premium price that is less than others when comparing alike for alike.

    Value for money   9 / 10

    Policy coverage   8 / 10

    Customer service   8 / 10

    Trust   8 / 10

Less

Liz, South Australia, reviewed 4 months ago

RAA

RAA Comprehensive Car Insurance car insurance review

Overall rating   9 / 10

Easy to deal with

Can contact head office if not satisfied.

Full review

Can contact head office if not satisfied.

    Value for money   8 / 10

    Policy coverage   9 / 10

    Customer service   9 / 10

    Claims handling   9 / 10

    Trust   7 / 10

Less

Mark, South Australia, reviewed 9 months ago

RAA

RAA Comprehensive Car Insurance car insurance review

Overall rating   10 / 10

Would recommend

Trustworthy

Full review

Trustworthy

    Value for money   10 / 10

    Policy coverage   10 / 10

    Customer service   9 / 10

    Claims handling   10 / 10

    Trust   10 / 10

Less

Garry, South Australia, reviewed 10 months ago

RAA

RAA Comprehensive Car Insurance car insurance review

Overall rating   9 / 10

Excellent service, quick and easy to understand

I foundcthe whole process from wuote to setting up policly very wick and easy to understand

Full review

I foundcthe whole process from wuote to setting up policly very wick and easy to understand

    Value for money   10 / 10

Less

Tracey, South Australia, reviewed over 1 year ago

RAA

RAA Comprehensive Car Insurance car insurance review

Overall rating   10 / 10

Great insurer

All insurance with the one provider

Full review

All insurance with the one provider

    Value for money   10 / 10

Less

Graham, South Australia, reviewed over 1 year ago

Mozo may receive a payment from financial providers listed on the site. Customer reviews are in no way affected by any commercial relationships Mozo has with providers. Reviewers may receive a voucher from Mozo in exchange for their review. Vouchers are given to all reviewers who meet our review guidelines regardless of the sentiment of their reviews.

Discounts and excesses

  • $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%.

Service features

  • Optional Extra

  • none

  • none

Coverage summary

  • Agreed or Market

  • - 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.

  • - Up to 21 days.

  • Optional Extra - Up to 14 days, max $65 per day.

  • Yes - legal liability cover when using a substitute vehicle. $4,000 contribution towards excess or security bond when using a hire car after an event.

  • Up to $1,500 for trailer only.

  • Up to $750 if stolen.

  • Covered

  • Covered only if agreed in writing.

  • Up to $5,000 if driver is 18 years old or over.

Any information provided on this page should be considered a summary and general advice only. All information should be verified before purchase via the relevant Product Disclosure Statement (PDS).

(*as voted by the Mozo community)

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