RAA Comprehensive Car Insurance

up to 70%

n/a

RAA Comprehensive Car Insurance

up to 70%

n/a

Mozo Review   RAA Comprehensive Car Insurance Review

Last updated: 26 September 2019.

What's hot:
  • 2019 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 2019 Mozo Experts Choice Awards.  

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.

Details

Rates and fees information correct as at 9 December 2019. 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
  • $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

  • n/a

  • n/a

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.

  • t 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.

  • Covered only if agreed in writing.

  • 5,00 if driver is 18 years old or over.

  • Optional Extra

*as voted by the Mozo community

Customer Reviews

How are RAA car insurance rated by the Mozo community?

Overall customer rating
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

  • Overall
    10/10
    South Aussie & onshore customer service :)

    I have been with RAA for over 10 years and I'm completely happy with them.

    I have been with RAA for over 10 years and I'm completely happy with them.

    Value for money
    10/10
    Policy coverage
    10/10
    Customer service
    10/10
    Claims handling
    8/10
    Trust
    10/10

    Debbie | South Australia

    reviewed 20 days ago

  • Overall
    10/10
    Competitive premiums.

    I've been with this company a long time. Very competitive with values and premiums.

    I've been with this company a long time. Very competitive with values and premiums.

    Value for money
    10/10
    Policy coverage
    10/10
    Customer service
    10/10
    Claims handling
    10/10
    Trust
    10/10

    Keith | South Australia

    reviewed 26 days ago

  • Overall
    10/10
    Awesome service.

    We lost our car in a creek up north and the RAA assessor was on the job next day! He recommended...

    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!

    Value for money
    10/10
    Policy coverage
    10/10
    Customer service
    10/10
    Claims handling
    10/10
    Trust
    10/10

    Reg | South Australia

    reviewed about 1 month ago

  • Overall
    9/10
    Great Customer Service

    This company has helped me with getting my elderly fathers car insured as well. So far I haven't...

    This company has helped me with getting my elderly fathers car insured as well. So far I haven't had to make a claim but all dealings with them have been good.

    Value for money
    10/10
    Policy coverage
    10/10
    Customer service
    10/10
    Claims handling
    -1/10
    Trust
    9/10

    Shana | South Australia

    reviewed about 2 months ago

  • Overall
    8/10
    RAA is a necessity for motorists!

    RAA was nearly half the price of APIA and I am able to chose my repairer who is close to my home....

    RAA was nearly half the price of APIA and I am able to chose my repairer who is close to my home. With APIA I had to take my car to the other side of town and leave it there for the day to be assesed which was very inconvenient and meant a whole day wasted. Also the repairer did not complete the repairs. RAA are very professional and easy to deal with. You can lodge claims through their website or phone. They email with details and follow through to ensure the car was properly repaired. The only bothersome part is you wait forever if you try to call them.

    Value for money
    8/10
    Policy coverage
    9/10
    Customer service
    9/10
    Claims handling
    9/10
    Trust
    8/10

    Silvija | South Australia

    reviewed about 2 months ago

RAA

About RAA

See RAA car insurance