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RACQ Comprehensive Car Insurance

Advertiser disclosure
Important information on terms, conditions and sub-limits
Monthly premiums available
Yes costs extra
Maximum no claim discount
up to 60%
Online discount
Choice of repairer


Cover information and limits in the table below correct as at 25 July 2024. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Discounts and excesses

Yes costs extra

$650 - $2,000

$600 for drivers under 25, $1,200 for unlisted drivers under 25, $400 for inexperienced drivers over 25.

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

5 years


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

Service features

Optional Extra






Coverage summary

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 21 days, max $75 per day.

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

Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.

Customer Reviews

How are RACQ car insurance rated by the Mozo community?

Value for money
Policy coverage
Customer service
Claims handling
Based on 1298 RACQ car insurance reviews as rated by the Mozo customers. More about the Mozo Customer Ratings.
Mozo recommends that ratings are only one factor to be taken into account when deciding whether to take up any financial product offer.

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