RAC Comprehensive Car Insurance

costs extra

Not Published

$100

RAC Comprehensive Car Insurance

costs extra

Not Published

$100

Mozo Review   RAC Comprehensive Car Insurance Review

Last updated: 23 October 2019.

What's hot:
  • $100 online discount

  • 25% discount for low emission cars

  • 2019 Mozo Experts Choice Award winner

What's not:
  • No 24/7 claims service

Mozo snapshot:

RAC Comprehensive Car Insurance offers a top-quality level of cover with a couple of big discounts that reward environmentally conscious customers who are prepared to buy their car insurance policy online. This policy comes stacked with features that give you the flexibility to take control over your car insurance policy for a competitive price. What else would you expect from a 2019 Mozo Experts Choice Award winning policy? 


Key features:

With RAC Comprehensive Car Insurance you will have the option to dump your excess completely or set it as high as $2,000 and you’ll also get the flexibility to choose who repairs your car if you are involved in accident.

If you’ve recently bought a fresh set of wheels, RAC will replace your car with another new one, if it is written off or stolen within two years of purchasing it. This policy also comes with a few generous cover caps. For example, if your car keys are stolen you’ll be covered up to the value of $2,000 to replace them and if you’re a trailer or caravan owner, you can rest easy knowing that if either of those things are damaged in an accident, you’re covered up to the value of $2,000 as well.

A unique feature of RAC Comprehensive Car Insurance is the 25% discount you can accrue by insuring a low emissions car and RAC will also reward you for signing up online, instantly slashing $100 off your premium.

This policy also covers anyone who drives your car through RAC’s open driver cover which is pretty handy if you’re regularly roadtripping and wouldn’t mind sharing the driving load. Just be aware that if a driver is under the age of 25 you could have to pay up to a $650 young driver excess if they’re involved in an accident.

It is also worth noting that it will cost you more to pay your premiums monthly than if you were to do so annually. In terms of optional extras, you’ll have to elect for rental costs following an accident or theft to be covered as well as roadside assistance as these features do not come as standard.

Who it's good for:

This policy is only available if you’re in WA and while it is a good policy for any driver wanting comprehensive cover, customers who have gone for the environmentally friendly route and secured themselves a low emissions car will get added value from this policy. To check if your car is eligible for the discount, head to the Fuel Efficient Car Discount hub on RAC’s website.

Any catches?

It is worth remembering that without rental costs covered as standard with this policy, you could be caught car-less after an accident or if your car is stolen. RAC is also one of the few insurance companies without a 24/7 claims service, so you might have to exercise a little bit of patience before lodging your insurance claim.

Details

Rates and fees information correct as at 12 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
  • costs extra

  • $0 - $2,000

  • $650 for drivers under 19, $550 for drivers under 20, $450 for drivers under 23, $300 for drivers under 25, $300 for inexperienced drivers over 25.

  • Not Published

  • 5

  • $100

  • n/a

  • Can pay for protection if at maximum NCD level

  • n/a

Service features
  • Optional Extra

  • n/a

  • n/a

Coverage summary
  • Agreed

  • - within 2 years of original registration

  • Up to $500 if damaged or stolen.

  • Yes - $100 windscreen excess ($0 excess for repair).

  • Up to $750

  • Reasonable towing costs. Up to $500 for travel. Up to $250 per night for four nights for accomodation if you are more than 100km from home.

  • - Unlimited days.

  • t at fault - Optional Extra. At fault - Optional Extra. Unlimited days.

  • Yes - legal liability cover when using a substitute vehicle.

  • Up to $2,000 for trailer only

  • Up to $2,000 if stolen or lost.

  • Covered only if agreed in writing.

  • $,000 within 12 months of accident.

  • Optional Extra

*as voted by the Mozo community

Customer Reviews

How are RAC car insurance rated by the Mozo community?

Overall customer rating
8.2/10
Value for money
7.7/10
Policy coverage
7.8/10
Customer service
8.2/10
Claims handling
8.0/10
Trust
8.1/10

Latest reviews of RAC Comprehensive Car Insurance

  • Overall
    7/10
    Reputable company but has gotten expensive.

    Excellent product and service if you’re a new customer but once your first year is finished the...

    Excellent product and service if you’re a new customer but once your first year is finished the premium suddenly jumps up a couple of hundreds while covering a little smaller value. Online portal is better to deal with than the person on the phone who’s always in a hurry to get rid of you. They’re not rude but just uninterested in helping you. They won’t give the same discount over the phone as the one online - obviously trying to make you use their technology.

    Value for money
    7/10
    Policy coverage
    7/10
    Customer service
    6/10
    Claims handling
    -1/10
    Trust
    7/10

    Maria | Western Australia

    reviewed 28 days ago

  • Overall
    9/10
    Keep on doing a great job RAC.

    I really trust RAC and can't fault their service.

    I really trust RAC and can't fault their service.

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

    Nick | Western Australia

    reviewed about 1 month ago

  • Overall
    10/10
    Best in the business.

    I have been with RAC a long time and they always repair whatever is damaged ASAP. I never think...

    I have been with RAC a long time and they always repair whatever is damaged ASAP. I never think of moving to any other company as they meet all my needs.

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

    Graham | Western Australia

    reviewed about 1 month ago

  • Overall
    10/10
    Great premiums.

    I have shopped around for insurance in the past and have never found anyone even close.

    I have shopped around for insurance in the past and have never found anyone even close.

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

    Allan | Western Australia

    reviewed about 2 months ago

  • Overall
    10/10
    Always willing to help

    RAC is very helpful and I have never had any problems with claims.

    RAC is very helpful and I have never had any problems with claims.

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

    Murray | Western Australia

    reviewed about 2 months ago