RAA Comprehensive Car Insurance

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.