RACQ - Comprehensive Car Insurance

Discounts and excesses

• Monthly premiums available

  costs extra

• Choice of excess

  $650-$2000

• Young driver excess imposed

  $650 for <19, $500 for <20, $400 for <23, $250 for <25. Inexperienced: $200

• 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

  none

Service features

• Roadside assistance

  Optional Extra

• Choice of repairer

• Claims service 24 7

• Other benefits

  none

• Other restrictions

  none

Coverage summary

• Agreed or market value

  Agreed or Market

• New car if written off

  - within 2 years of registration

• Personal property cover

  Up to $500 cover when car damaged/stolen.

• Windscreen cover

  Covered. Can pay extra premium for windscreen cover with no excess.

• Emergency repairs without assessment

  Up to $500

• Emergency options

  Reasonable towing cost. $100 per day for vehicle storage. Up to $100 per day for accommodation up to 7 days (>100km from home).

• Rental car after theft

  - up to 14 days, arranged by insurer

• Rental car after accident

  Optional extra - 14 days, $40 per day limit

• Rental car liability

  None

• Trailer or caravan cover

  Up to $750

• Replacement keys

  Up to $750 if stolen

• Baby capsule or seats

  Up to $500 per item if stolen or damaged.

• Modifications

  Covered only if agreed in writing.

• Accidental death cover for driver

  Up to $7,500 if within 3 months