RAC - Comprehensive Car Insurance

RAC Comprehensive Car Insurance Review

Rates and fees information correct as at 16 December 2018.

Review published: 20 September 2017

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.

How is RAC car insurance rated by the Mozo community?

Product Type Overall Rating Price Features Service Claims Handling Trust
8.2

Based on 360
RAC car insurance reviews

7.6 7.8 8.1 7.9 8.1

Read RAC car insurance reviews by the Mozo community

Latest reviews of RAC Comprehensive Car Insurance

RAC

RAC Comprehensive Car Insurance car insurance review

Overall rating   10 / 10

Happy customer

Happy with their policy.

Full review

Happy with their policy.

    Customer service   10 / 10

    Claims handling   10 / 10

    Trust   10 / 10

Less

Lorraine, Western Australia, reviewed 8 months ago

RAC

RAC Comprehensive Car Insurance car insurance review

Overall rating   8 / 10

Just what you need

Quick easy sign up and very cheap in comparison.

Full review

Quick easy sign up and very cheap in comparison.

    Value for money   7 / 10

    Policy coverage   7 / 10

    Customer service   8 / 10

    Trust   9 / 10

Less

Kristian, Western Australia, reviewed 9 months ago

RAC

RAC Comprehensive Car Insurance car insurance review

Overall rating   10 / 10

Wonderfully helpful when required

Wonderfully helpful when required.

Full review

Wonderfully helpful when required.

    Value for money   10 / 10

    Policy coverage   10 / 10

    Customer service   10 / 10

    Claims handling   10 / 10

    Trust   10 / 10

Less

Shelly, Western Australia, reviewed 10 months ago

RAC

RAC Comprehensive Car Insurance car insurance review

Overall rating   10 / 10

RAC is trustworthy

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

Full review

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

Less

Michael, Western Australia, reviewed 10 months ago

RAC

RAC Comprehensive Car Insurance car insurance review

Overall rating   8 / 10

Wouldn't go anywhere else

They have always assisted in everything I have required.

Full review

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

Less

Virginia, Western Australia, reviewed 10 months ago

Mozo may receive a payment from financial providers listed on the site. Customer reviews are in no way affected by any commercial relationships Mozo has with providers. Reviewers may receive a voucher from Mozo in exchange for their review. Vouchers are given to all reviewers who meet our review guidelines regardless of the sentiment of their reviews.

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 excess. Option to reduce windscreen excess to $0 for an additional premium.

  • 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.

Any information provided on this page should be considered a summary and general advice only. All information should be verified before purchase via the relevant Product Disclosure Statement (PDS).

(*as voted by the Mozo community)

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