RACQ Comprehensive Car Insurance

Discounts and excesses

• Monthly premiums available

  costs extra

• Choice of excess

  $650 - $2,000

• Young driver excess imposed

  $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.

• Maximum no claim discount table

  - (TAS)
  - (NT)
  - (SA)
  60% (QLD)
  - (ACT)
  - (WA)
  - (VIC)
  - (NSW)

• Maximum no claim discount term

  5 years

• Online discount

  $50

• Multi policy discount

  If you combine multiple vehicles into one policy and/or hold 3+ RACQ insurance products.

• No claim discount

  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.

• Discounts available

  n/a

Service features

• Roadside assistance

  Optional Extra

• Choice of repairer

• Claims service 24 7

• Other benefits

  n/a

• Other restrictions

  n/a

Coverage summary

• Agreed or market value

  Agreed or Market

• New car if written off

  - within 2 years of original registration

• Personal property cover

  Up to $500 if damaged or stolen.

• Windscreen cover

  Yes - standard excess. Option to reduce excess for first windscreen claim each year to $0 for an additional premium.

• Emergency repairs without assessment

  Up to $500

• Emergency options

  Reasonable towing costs. Up to $700 accommodation costs if greater than 100 km from home (max $100 per day).

• Rental car after theft

  - Up to 14 days, max $1,400 total.

• Rental car after accident

  Not at fault - Optional Extra. At fault - Optional Extra. Up to 14 days, max $40 per day.

• Rental car liability

  No.

• Trailer or caravan cover

  Up to $750.

• Replacement keys

  Up to $750 if stolen.

• Baby capsule or seats

  Up to $500 per item

• Modifications

  Covered only if agreed in writing.

• Accidental death cover for driver

  Up to $7,500 within 3 months of accident.

• Rideshare cover

  Optional Extra