Yes costs extra
$650 - $2,000
$650 for drivers under 19, $500 for drivers under 20, $400 for drivers under 23, $250 for drivers under 25, $200 for inexperienced drivers over 25.
- (TAS)
- (NT)
- (SA)
60% (QLD)
- (ACT)
- (WA)
- (VIC)
- (NSW)
5 years
$50
If you combine multiple vehicles into one policy and/or hold 3+ RACQ insurance products.
Maximum no claim discount is protected for life against no-fault claims in past 1 year and having held the maximum no claims discount level in past 1 year.
Car Alarm Discount |Roadside Assistance Discount
Optional Extra
Yes
Yes
n/a
n/a
Agreed or Market
Yes - within 2 years of original registration
Up to $500 if damaged or stolen.
Yes - standard excess. Option to reduce excess for first windscreen claim each year to $0 for an additional premium.
Up to $500
Reasonable towing costs.
Yes - Up to 14 days, max $1,400 total.
Not at fault - Yes. At fault - Optional Extra. Unlimited days for no at fault and up to 21 days for at fault, max $75 per day.
Yes - legal liability cover when using a substitute vehicle.
Up to $750.
Up to $750 if stolen.
Up to $500 per item
Covered only if agreed in writing.
Up to $7,500 within 3 months of accident.
Optional Extra
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).
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 reviewFar 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.
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 reviewTo 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.
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 reviewDo 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.
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 reviewRACQ 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.
I like how easy their websites and apps are to use, the people are friendly to speak to over the phone but there is always a delay in getting through to someone so you can wait upwards of half an hour only to be put on hold again or put through to someone else. No longer have a branch where I live as they have merged with their 'bank'. Haven’t had to make a claim before but have used them for a flat battery and tyre and their team are always friendly and reliable. They do judge/evaluate your age as a main factor in pricing from my own personal experiences.
Read full reviewI like how easy their websites and apps are to use, the people are friendly to speak to over the phone but there is always a delay in getting through to someone so you can wait upwards of half an hour only to be put on hold again or put through to someone else. No longer have a branch where I live as they have merged with their 'bank'. Haven’t had to make a claim before but have used them for a flat battery and tyre and their team are always friendly and reliable. They do judge/evaluate your age as a main factor in pricing from my own personal experiences.
