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.
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.