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 multiple 2023 Mozo Experts Choice Car Insurance Award winner?
With RAC Comprehensive Car Insurance you will have the option to dump your excess completely or set it as high as $2,000, as well as the flexibility to choose who repairs your car.
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 purchase. 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. Trailers which are damaged in an accident are also covered up to the value of $2,000.
A unique feature of RAC Comprehensive Car Insurance is the discount you can accrue by insuring a low emissions car, which range from 5% to 25% depending on the age of the car. RAC will also reward you for signing up online, instantly slashing $50 off your first yearly premium.
This policy also covers anyone who drives your car through RAC’s open driver cover which is pretty handy if you’re regularly road-tripping and wouldn’t mind sharing the driving load. Just be aware that if a driver is under the age of 26 you could have to pay between $300 and $650 young driver excess if they’re involved in an accident.
It is also worth noting 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 (although you're covered for hire cars after theft or fire). You'll also need to opt-in for an addition fee to take out roadside assistance through RAC.
This policy is only available if you’re in WA. It's a good policy for any driver wanting comprehensive cover, but customers who have taken 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 all rental costs covered as standard, you could be caught carless after an accident. RAC is also one of the few insurance companies without a 24/7 claims phone service, so you might have to exercise a little bit of patience during the insurance claim process, or lodge claims online.
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Yes costs extra |
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$0 - $2,000 |
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$650 for drivers under 19, $550 for drivers under 21, $450 for drivers under 24, $300 for drivers under 26, $300 for inexperienced drivers over 25. |
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55% (WA) |
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5 |
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$50 |
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n/a |
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Can pay for protection if at maximum NCD level |
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n/a |
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Optional Extra |
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Yes |
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No |
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n/a |
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n/a |
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WA |
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Agreed |
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Yes - within 2 years of original registration |
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Up to $500 if damaged or stolen. |
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Yes - $100 windscreen excess ($0 excess for repair). |
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Up to $750 |
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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. |
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Yes - Unlimited days. |
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Not at fault - Optional Extra. At fault - Optional Extra. Unlimited days. |
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Yes - legal liability cover when using a substitute vehicle. |
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Up to $2,000 for trailer only |
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Up to $2,000 if stolen or lost. |
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Yes |
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Covered only if agreed in writing. |
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$15,000 within 12 months of accident. |
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Optional Extra |
Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.
Quick to handle my claim when I got t-boned. Organised a car to use while repairs being done. Follow up phone call to see if repairs all went well. Awesome customer service...!
Read full reviewQuick to handle my claim when I got t-boned. Organised a car to use while repairs being done. Follow up phone call to see if repairs all went well. Awesome customer service...!
We have had nothing but extremely amazing help with RAC CAR INSURANCE and they have helped us when things have been quite stressful eg after an accident.
Read full reviewWe have had nothing but extremely amazing help with RAC CAR INSURANCE and they have helped us when things have been quite stressful eg after an accident.
Making a claim at the moment premiums could be better
Read full reviewMaking a claim at the moment premiums could be better
Rac have been brilliant because of loyalty with them for almost 35 years. They have looked after me so many times. I dont pay huge car insurance because of that long term loyalty. I get a much better deal from them than anyone else can do. I called a number of different company's and rac flattened all of them by quite a big margin. It didn't even get more expensive after being working in Indonesia for 8 years then returning, buying another car and re funding my current insurance..luv these guys. They rally know what loyalty is worth.
Read full reviewRac have been brilliant because of loyalty with them for almost 35 years. They have looked after me so many times. I dont pay huge car insurance because of that long term loyalty. I get a much better deal from them than anyone else can do. I called a number of different company's and rac flattened all of them by quite a big margin. It didn't even get more expensive after being working in Indonesia for 8 years then returning, buying another car and re funding my current insurance..luv these guys. They rally know what loyalty is worth.
My partner and I recommend RAC insurance to everyone. When we first got our car and needed to insure it, I was still on my P plates for another 2 months - RAC were the first insurer we found that would still offer us insurance, and at a reasonable price! We had to do a claim 1.5 years into having this insurance due to theft, a hire car was covered for 2 months and arranged within hours of me calling about it. Our car seat and valuables from within the car were all replaced with no hassle. RAC arranged all of the required repairs when our car was recovered. Payments were made to us immediately and all emails and phone calls were quickly followed up on. My parents are with another insurer and had to make a claim at the same time for the same incident, it took 6 months to get resolved and was not as big of a claim as ours. When someone was charged for the theft, we were then reimbursed our excess! Every person I spoke with was kind and helpful. They were extremely knowledgable and the process for submitting the claim was so clear. We went on to also get home insurance with RAC as we are that happy with the service.
Read full reviewMy partner and I recommend RAC insurance to everyone. When we first got our car and needed to insure it, I was still on my P plates for another 2 months - RAC were the first insurer we found that would still offer us insurance, and at a reasonable price! We had to do a claim 1.5 years into having this insurance due to theft, a hire car was covered for 2 months and arranged within hours of me calling about it. Our car seat and valuables from within the car were all replaced with no hassle. RAC arranged all of the required repairs when our car was recovered. Payments were made to us immediately and all emails and phone calls were quickly followed up on. My parents are with another insurer and had to make a claim at the same time for the same incident, it took 6 months to get resolved and was not as big of a claim as ours. When someone was charged for the theft, we were then reimbursed our excess! Every person I spoke with was kind and helpful. They were extremely knowledgable and the process for submitting the claim was so clear. We went on to also get home insurance with RAC as we are that happy with the service.