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RAC Comprehensive Car Insurance

Advertiser disclosure
Important information on terms, conditions and sub-limits
Monthly premiums available
Yes costs extra
Maximum no claim discount
up to 55%
Online discount
Choice of repairer

Mozo editorial review RAC Comprehensive Car Insurance - last updated: 29 November 2023

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What's hot
  • $50 online discount
  • Up to 25% discount for low emission cars
  • 2023 Mozo Experts Choice Award winner
What's not
  • No 24/7 claims service over the phone
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 multiple 2023 Mozo Experts Choice Car Insurance Award winner?

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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, 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.

Who is it good for

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.

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Any catches

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. 


Cover information and limits in the table below correct as at 21 April 2024. 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

Yes costs extra

$0 - $2,000

$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.

55% (WA)




Can pay for protection if at maximum NCD level


Service features

Optional Extra






Coverage summary


Yes - 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.

Yes - Unlimited days.

Not 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.

$15,000 within 12 months of accident.

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.

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