based on 1456 RACQ product 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. 

RACQ were even recognised by its own customers in the 2021 Mozo People's Choice Awards, taking out five different awards! Check out the details of their car insurance offering below.

RACQ offers the following car insurance policies

Cover information and limits in the table below verified as correct at 19 April 2024. 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:

  • A new car if yours is written off (if it’s less than two years old)

  • Repairs after events like storms, fire, flooding or vandalism 

  • Emergency repairs up to $500 without assessment

  • Towing and storage (up to $100 for up to 30 days) 

  • Emergency accommodation after an incident if you’re more than 100km away from home (up to $100 a day for 7 days)

  • A rental car after yours is stolen

  • Up to $750 to replace car locks and keys if they’re stolen

  • Up to $500 cover for personal items in your car.

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:

  • No claims discount of up to 60% 

  • A discount of up to 17.5% on you car insurance when you sign up for roadside assistance with RACQ 

  • A $50 discount on your first annual premium when you apply online

  • Multi-policy discount if you have three or more insurance policies, such as life or home and contents with RACQ

  • Combined car insurance discount for if you have more than one car insurance policy

  • A driver excellence bonus if you’ve held a RACQ Rating 1 for five years or more

  • A security discount if you install a security alarm

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:

  • Your RACQ policy number

  • Your car make, model and registration number

  • Your driver’s licence

  • The rego details and contact information of anyone else involved

  • Contact details of any witnesses

  • A description of the incident, including the date, time and the state of the road

  • If there was a police report, make sure you have the report number

  • Details and invoices from any towing or repair companies use

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
Value for money
Policy coverage
Customer service
Claims handling
Trust

1298 Reviews

Recent RACQ car insurance reviews

RACQ Comprehensive Car Insurance
Overall 8/10
Mixed qualities

I think racq is 1 of the top car insurance providers , unfortunately they have become quite over priced ,especially for old cars . Even when u have been with them for yrs they don't give u any benefits in the sense of cheaper insurance fir being a reliable customer. If my car was new then I could understand over $900 yrly just for insurance, that's not even with road side assisst . But my car is 17yrs old . They also don't have an option for lower kilometres driven insurance. They do have great customer service .

Read full review

I think racq is 1 of the top car insurance providers , unfortunately they have become quite over priced ,especially for old cars . Even when u have been with them for yrs they don't give u any benefits in the sense of cheaper insurance fir being a reliable customer. If my car was new then I could understand over $900 yrly just for insurance, that's not even with road side assisst . But my car is 17yrs old . They also don't have an option for lower kilometres driven insurance. They do have great customer service .

Value for money
5/10
Policy coverage
10/10
Customer service
10/10
Less
Amber, Queensland, reviewed 16 days ago
RACQ Comprehensive Car Insurance
Overall 6/10
Inconsiderate & insensitive in response to claims

Great to deal with until there’s a claim and then they’re inconsiderate and make no attempt to keep communication clear and open. Forever chasing them up for simple things

Read full review

Great to deal with until there’s a claim and then they’re inconsiderate and make no attempt to keep communication clear and open. Forever chasing them up for simple things

Value for money
9/10
Policy coverage
9/10
Customer service
5/10
Claims handling
1/10
Trust
1/10
Less
Holly, Queensland, reviewed 6 months ago
RACQ Car Insurance
Overall 8/10
Easy and efficient

RACQ insurance was easy to set up and generally have great customer service. They were able to get my car fixed in an appropriate timeframe.

Read full review

RACQ insurance was easy to set up and generally have great customer service. They were able to get my car fixed in an appropriate timeframe.

Value for money
7/10
Policy coverage
7/10
Customer service
10/10
Claims handling
8/10
Trust
8/10
Less
Alex, Queensland, reviewed 5 months ago
RACQ Car Insurance
Overall 10/10
Very happy with RACQ. Wouldn’t go anywhere else.

Easy to deal with, staff are extremely friendly and do not try to rush through the phone calls. Very clear in their explanations.

Read full review

Easy to deal with, staff are extremely friendly and do not try to rush through the phone calls. Very clear in their explanations.

Value for money
10/10
Policy coverage
10/10
Customer service
10/10
Claims handling
10/10
Trust
10/10
Less
Vicki, Queensland, reviewed 5 months ago
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