Rates and fees verified as correct at 29 January 2022. 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%
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.
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.
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.
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
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
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.
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
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.
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.
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
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
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.
I like this insurance company and would recommend this to anyone because of the helpful knowledge the customer service team give when you’re in a pickle. I don’t like however, the online portal and apps, they need to be given more attention to.Read full review
I like this insurance company and would recommend this to anyone because of the helpful knowledge the customer service team give when you’re in a pickle. I don’t like however, the online portal and apps, they need to be given more attention to.
While RACQ has been my provider for a while, they don't really have anything to do with me. My partner is with Youi and they actually call him and speak to him and see if he is happy, RACQ don't tend to care that much.Read full review
While RACQ has been my provider for a while, they don't really have anything to do with me. My partner is with Youi and they actually call him and speak to him and see if he is happy, RACQ don't tend to care that much.
I have handled several claims through RACQ and they have always moved quickly and professionally to fulfil my claim. You couldn’t ask for more.Read full review
I have handled several claims through RACQ and they have always moved quickly and professionally to fulfil my claim. You couldn’t ask for more.
There is an office in my shopping centre which is where I purchased the policy. Had to make a claim and it was far easier than it used to be and my car was fixed without issue.Read full review
There is an office in my shopping centre which is where I purchased the policy. Had to make a claim and it was far easier than it used to be and my car was fixed without issue.
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