7.0 / 10

based on 1 reviews as rated by Mozo community

RACQ car insurance

RACQ is based in Queensland and is designed for life in the sunshine state. It is a member-owned insurance company and bank with a 100-year history operating in Queensland, and RACQ car insurance has your back whether you’re driving around town or going off-road. Check out the details of their car insurance offering below.

RACQ offers the following car insurance policies

Rates and fees verified as correct at 03 March, 2021. Other information correct at the time of writing. Advertiser disclosure.

Product Monthly premiums available Maximum no claim discount Online discount Choice of repairer
Comprehensive Car Insurance

Yes costs extra

up to 60%

$50

Yes

What does RACQ do?

For more than a century RACQ has been protecting Queensland drivers, whether that be in the form of drafting legislation to improve road safety or offering top-notch car insurance. The club now serves more than 1.8 million members and is focused on serving the community by providing driver training and education, advocacy for safety protocols and roadside assistance.

In 2017, RACQ merged with Queensland Teachers Mutual Bank to form RACQ Bank. Here, Queenslanders have access to other financial services like bank accounts, home loans, personal loans, financial counselling and other kinds of insurance.

What does RACQ car insurance cover?

RAQC offers third party insurance as well as comprehensive car insurance which covers drivers for a wider range of incidents. You’ll also find policies tailored to motorcycles and business car insurance.

A RACQ comprehensive policy is designed to cover unexpected costs, such as repairs when you’re in an accident or if your car is damaged during a natural disaster. It doesn’t cover ageing or wear and tear, but it will generally cover things like:

What optional extras can I add to my RACQ car insurance?

Although RACQ already covers a lot of the good stuff you need, you may want to add some extra features to your policy. You might want a no claims discount protection (to maintain your good-driving rating and discount when you make your first at-fault claim), excess-free windscreen repairs, and cover for a hire car after an accident. 

Roadside assistance is a separate policy you can also choose to take out with RACQ, and doing so could also score you an insurance premium discount.

What discounts does RACQ offer? 

Now for the good part – discounts! You’ll want to snag all the discounts you can in order to keep your car insurance policy as affordable as possible. Some that are available from RACQ include:

What do I get with a RACQ membership? 

By becoming a RACQ member, you can access a bunch of savings options across insurance products as well as other driving and shopping benefits. You become a member when you take out an insurance policy, banking product or roadside assistance with RACQ.

You’ll get discounts on RACQ batteries and inspections, travel insurance, accommodation options and entry to a variety of theme parks and amusement centres. You’ll also find more information around fuel prices, repairers and road safety.

How to make a car insurance claim through RACQ

If you do have to make a claim on your RACQ car insurance, make sure you have this information handy to make the claims process more efficient:

FAQs about RACQ car insurance

Should I opt for the low or high excess option?

That’s up to you and your budget, but with RACQ insurance you can opt for either. If you choose low excess, you’ll pay a higher premium, but if you go for the high excess option, your premium will be lower. So it mostly depends on whether you’d rather pay more upfront, or pay more in the event that you make a claim.

Does RACQ offer roadside assistance?

Yes, you can take out roadside assistance with RACQ. This covers things like reasonable towing, emergency fuel provisions, help with mechanical breakdowns, assistance changing a tyre or freeing a bogged vehicle and more.

RACQ has five roadside assistance options to choose from which relate to different service levels and come at different price points.

How is my RACQ premium calculated?

In a nutshell, your premium reflects how likely the insurer thinks you are to make a claim. This is based on a number of factors which provide a statistical representation of your risk as a driver. It includes things like:

  • The make, model, age and colour of your car

  • How old you are, how long you have been driving and your driving/insurance claims history

  • How often you drive and for what purpose (personal or for work)

  • Where you live and where your car is kept

  • Your gender

How can I pay my RACQ premium?

You can choose to pay your RACQ premium annually or month-by-month, but there may be a fee for paying in installments. Payments can usually be made online with a credit or debit card, through BPay, over the phone, via post, or in person at an RACQ store or Australia Post

How is RACQ car insurance rated?

Mozo users have rated RACQ car insurance on price, features, convenience, trust and customer service so you can see what real Aussies have to say about their experiences.

Icon of car-insurances
RACQ car insurance
Overall
8.3/10
Value for money
Policy coverage
Customer service
Claims handling
Trust

1228 Reviews

Recent RACQ car insurance reviews

RACQ Comprehensive Car Insurance review
Overall 4/10
Not trustworthy.

Far too expensive. I liked this company till the storms in Gympie about a year ago. After all the hail and storms came I went down to the Goldfields shopping centre to go to Coles and as I walked past the RACQ office branch I noticed they had closed doors to stop people from coming in and putting in claims. The staff were all just sitting out the back and no they did not open the doors for the rest of the day. Disgraceful act, however it did not surprise me. When I had roadside assist my keys were stolen while I was at the hospital and they refused to do anything to help me because it was stolen not lost. I immediately closed my roadside assistance.

Read full review

Far too expensive. I liked this company till the storms in Gympie about a year ago. After all the hail and storms came I went down to the Goldfields shopping centre to go to Coles and as I walked past the RACQ office branch I noticed they had closed doors to stop people from coming in and putting in claims. The staff were all just sitting out the back and no they did not open the doors for the rest of the day. Disgraceful act, however it did not surprise me. When I had roadside assist my keys were stolen while I was at the hospital and they refused to do anything to help me because it was stolen not lost. I immediately closed my roadside assistance.

Value for money
2/10
Policy coverage
5/10
Customer service
5/10
Claims handling
4/10
Trust
2/10
Less
Bryce, Queensland, reviewed about 1 month ago
RACQ Comprehensive Car Insurance review
Overall 5/10
Amateur claim service.

To lodge a claim over the phone, be prepared for an extremely long wait. To lodge a claim on my iPhone, it was extremely frustrating. Took pictures of the damage, then returned and the claim timed out after 3 minutes. Tried the phone again, now I’m 20 minutes in. Thanks for your patience is the recording. An arrogant message considering the initial wait was 41 minutes.

Read full review

To lodge a claim over the phone, be prepared for an extremely long wait. To lodge a claim on my iPhone, it was extremely frustrating. Took pictures of the damage, then returned and the claim timed out after 3 minutes. Tried the phone again, now I’m 20 minutes in. Thanks for your patience is the recording. An arrogant message considering the initial wait was 41 minutes.

Value for money
4/10
Policy coverage
9/10
Customer service
3/10
Claims handling
1/10
Trust
10/10
Less
Paul, Queensland, reviewed about 1 month ago
RACQ Comprehensive Car Insurance review
Overall 1/10
Do not use the RACQ.

Do not use the RACQ, they are cheats and liars. I had my car parked on the side of the road, we were away and we didn’t come back to the car for two days. When we did return there had been a hailstorm and the car had many dents all over it. There was also damage from a tree that fell on it. We lodged a claim online and we received an appointment for Wednesday 11/11/2020, when we arrived at the repair centre the staff there took photos and filled in paperwork but then told us that the assessor was not there even though we were on time, so we had to go back through the RACQ phone system. It took over an hour to get through. We received a second appointment for the following Monday (16/11/2020). We where told that the damage done to our car was not from hail, we where told that it was from a hammer or a golf ball in a sock. We where told that our claim would need to be investigated. In the conversation with the assessor he said that the repair people were experts and travelled to Europe every year to do dent repairs. I did a search for paint less dent repairs in Europe and there are thousands of people there doing this service there so I had to ask myself why, local people know the area, the business and speak the language. The only conclusion I can come up with is assessor lied about this. We were treated like we had done something wrong, like we were criminals. The issues I have are • The assessor lied to us. • We were treated like we were criminals. • The assessor never gave us his name. • He did not have a name badge on. • We where not given anything in writing. • We where not shown any evidence. • We were told that the dents all came from one direction and that was wrong (I thought hail all came from one direction, down.) My wife was terribly upset over this whole episode. I will not work with a company that plays these types of tricks. The car in question is not an expensive vehicle and is my everyday run around vehicle. As my wife will not even talk about the car and wants it gone, I will send the car through the auctions and then I will buy another vehicle the same to replace it. I entered a contract with the RACQ where I paid them to offer a service and they have not done this. I will change all my insurance to a reputable company and when I cancel I think RACQ should give me a full refund.

Read full review

Do not use the RACQ, they are cheats and liars. I had my car parked on the side of the road, we were away and we didn’t come back to the car for two days. When we did return there had been a hailstorm and the car had many dents all over it. There was also damage from a tree that fell on it. We lodged a claim online and we received an appointment for Wednesday 11/11/2020, when we arrived at the repair centre the staff there took photos and filled in paperwork but then told us that the assessor was not there even though we were on time, so we had to go back through the RACQ phone system. It took over an hour to get through. We received a second appointment for the following Monday (16/11/2020). We where told that the damage done to our car was not from hail, we where told that it was from a hammer or a golf ball in a sock. We where told that our claim would need to be investigated. In the conversation with the assessor he said that the repair people were experts and travelled to Europe every year to do dent repairs. I did a search for paint less dent repairs in Europe and there are thousands of people there doing this service there so I had to ask myself why, local people know the area, the business and speak the language. The only conclusion I can come up with is assessor lied about this. We were treated like we had done something wrong, like we were criminals. The issues I have are • The assessor lied to us. • We were treated like we were criminals. • The assessor never gave us his name. • He did not have a name badge on. • We where not given anything in writing. • We where not shown any evidence. • We were told that the dents all came from one direction and that was wrong (I thought hail all came from one direction, down.) My wife was terribly upset over this whole episode. I will not work with a company that plays these types of tricks. The car in question is not an expensive vehicle and is my everyday run around vehicle. As my wife will not even talk about the car and wants it gone, I will send the car through the auctions and then I will buy another vehicle the same to replace it. I entered a contract with the RACQ where I paid them to offer a service and they have not done this. I will change all my insurance to a reputable company and when I cancel I think RACQ should give me a full refund.

Value for money
1/10
Policy coverage
1/10
Customer service
1/10
Claims handling
1/10
Trust
1/10
Less
Greg, Queensland, reviewed about 1 month ago
RACQ Comprehensive Car Insurance review
Overall 10/10
Great customer service and brand trust.

RACQ has always been great to deal with in customer service. A very trusted insurer I feel confident that I'll be supported when I need to claim.

Read full review

RACQ has always been great to deal with in customer service. A very trusted insurer I feel confident that I'll be supported when I need to claim.

Value for money
8/10
Policy coverage
8/10
Customer service
10/10
Trust
10/10
Less
Ashley, Queensland, reviewed about 2 months ago

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