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RAA Comprehensive Car Insurance

Advertiser disclosure
Monthly premiums available
Yes
Maximum no claim discount
up to 70%
Online discount
n/a
Choice of repairer
Yes

Mozo editorial review RAA Comprehensive Car Insurance

Last updated: 21 December 2020.

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What's hot
  • 2020 Mozo Experts Choice Award
  • No claim bonus up to 70%
  • Multi-policy discount of 10%
  • Pay your premium monthly at no extra cost
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 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.  

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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. And if your windscreen is chipped or cracked you’ll be able to get that fixed without having to pay an excess. 

Keep in mind that RAA doesn't offer roadside assistance as standard so you’ll have to choose it as an optional extra. Similarly, 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 it's protected for life. You'll 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.

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Who is it 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 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.

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Any catches

Keep in mind there's no roadside assistance with RAA, and you won’t be able to take this policy out if you’re not a South Australian driver.

Details

Rates and fees information correct as at 9 March 2021. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Discounts and excesses
  • 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%.

Service features
  • Optional Extra

  • Yes

  • Yes

  • n/a

  • n/a

Coverage summary
  • 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

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).

Customer Reviews

How are RAA car insurance rated by the Mozo community?

Overall
8.4/10
Value for money
8.0/10
Policy coverage
8.1/10
Customer service
8.5/10
Claims handling
8.4/10
Trust
8.5/10

Latest reviews of RAA Comprehensive Car Insurance

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