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: 6 September 2018.

What's hot:
  • 2018 Mozo Experts Choice Winner

  • $100 online discount

  • 25% discount for low emission cars

  • Open driver cover

What's not:
  • No rental costs cover as standard

  • 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 the environmentally conscious customers who are prepared to buy their car insurance policy online. A Mozo Experts Choice Winner in 2018 for Exceptional Value, this policy comes stacked with features that give you the flexibility to take control over your car insurance policy for a competitive price.

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 17 February 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

  • none

  • Can pay for protection if at maximum NCD level

  • none

Service features
  • Optional Extra

  • none

  • none

Coverage summary
  • Agreed

  • - within 2 years of original registration

  • Up to $500 if damaged or stolen.

  • Yes - $100 windscreen excess.

  • Up to $750

  • Reasonable towing costs. Up to $500 travel and $250 accommodation costs.

  • - Unlimited days.

  • Optional Extra - Unlimited days.

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

  • Up to $2,000 excluding contents.

  • Up to $2,000 if stolen or lost.

  • Reasonable cost

  • Covered only if agreed in writing.

  • Up to $10,000 within 12 months of accident.

(*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
7.6/10
Policy coverage
7.8/10
Customer service
8.1/10
Claims handling
7.9/10
Trust
8.1/10

Latest reviews of RAC Comprehensive Car Insurance

  • Overall
    10/10
    Happy customer

    Happy with their policy.

    Happy with their policy.

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

    Lorraine | Western Australia

    reviewed 10 months ago

  • Overall
    8/10
    Just what you need

    Quick easy sign up and very cheap in comparison.

    Quick easy sign up and very cheap in comparison.

    Value for money
    7/10
    Policy coverage
    7/10
    Customer service
    8/10
    Claims handling
    -1/10
    Trust
    9/10

    Kristian | Western Australia

    reviewed 11 months ago

  • Overall
    10/10
    Wonderfully helpful when required

    Wonderfully helpful when required.

    Wonderfully helpful when required.

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

    Shelly | Western Australia

    reviewed 12 months ago

  • Overall
    10/10
    RAC is trustworthy

    RAC is a great company that looks after it’s members.

    RAC is a great company that looks after it’s members.

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

    Michael | Western Australia

    reviewed about 1 year ago

  • Overall
    8/10
    Wouldn't go anywhere else

    They have always assisted in everything I have required.

    They have always assisted in everything I have required.

    Value for money
    7/10
    Policy coverage
    7/10
    Customer service
    8/10
    Claims handling
    8/10
    Trust
    8/10

    Virginia | Western Australia

    reviewed about 1 year ago

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Comprehensive Car Insurance

No claim|Online discount 15%

2 to 3 minutes

costs extra

Agreed or Market

$650 - $1,850

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Youi

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Comprehensive Car Insurance

20% discount on Contents Insurance if Youi Car Insurance also held

costs extra

Agreed or Market

$400 - $2,500

Optional Extra

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Comprehensive Car Insurance Policy

2 to 3 minutes

costs extra

Market

$650 - $795 as a fixed excess; varying between states

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Comprehensive Car Insurance

Online discount 5%|5% discount if you exclude drivers under 25|Drive Less Pay Less option to reduce premiums for limited kilometres.

2 to 3 minutes

costs extra

Agreed or Market

$500 - $5,000

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Virgin Money

Virgin Money

Comprehensive Car Insurance

No claim|Online discount 15%|Restricted Drivers Discount available

2 to 3 minutes

costs extra

Agreed or Market

$650 - $1,850

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Comprehensive Car Insurance

Online discount 5%|Additional 5% discount for people over 25.

6 to 8 minutes

costs extra

Agreed or Market

$500 - $5,000