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RACQ Comprehensive Car Insurance

Monthly premiums available
costs extra
Maximum no claim discount
up to 60%
Online discount
$50
Choice of repairer

Details

Rates and fees information correct as at 9 August 2020. 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
  • 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

Service features
  • Optional Extra

  • n/a

  • n/a

Coverage summary
  • Agreed or Market

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

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

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

  • No.

  • 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).

Customer Reviews

How are RACQ car insurance rated by the Mozo community?

Overall customer rating
8.3/10
Value for money
7.7/10
Policy coverage
7.8/10
Customer service
8.3/10
Claims handling
8.0/10
Trust
8.2/10

Latest reviews of RACQ Comprehensive Car Insurance

  • Overall 0/10
    Terrible

    Absolutely terrible service. Can’t even guarantee their work! I booked a car I was interested in buying for a pre-purchase mechanical inspection and a cost of $249. Had to wait quite a while to get it inspected. When the mechanic finally inspected it the vehicle he ticked almost everything (including Air Con and Aux Drive belts) as green on the final report. I purchased the vehicle thinking that the mechanic actually did his job and went over the vehicle. Next few days I start hearing a squeal coming from the drive belt. Take it to another mechanic who says it needs a drive belt replacement as the belt is cracked, stretched and old. Even take pictures and get a report. Call up RACQ and ask “What the Hell’ after sending them all the evidence. Basically get told by the shitty senior customer relations rep that because I don’t have photographic evidence and sound recordings from the exact day of the mechanical inspection (I wasn’t even there as I sent them to the sellers house as they are mobile mechanics) that they couldn’t guarantee their work, there was nothing they would do and that somehow it was my fault. Yeah sure, like a drive belt just becomes cracked, old and stretched over night. I told them in no uncertain terms that I wanted my vehicle re-inspected because now I had purchased a car which could potentially have a bunch of other stuff wrong with it seeing as the initial inspection didn’t seem to have been done very well. Got told tough luck and not going to happen. I have been a loyal customer for over 5 years however I have now moved my insurance away from these guys after being treated like trash. I would advise all to do then same. Oh and if any RACQ reps are reading this and before you try and lie and say “You cant find a record of me being a member” or some other BS my old policy number was 51883267PG and the number of the crappy pre-inspection report is 6315054. Shame RACQ!

    Read full review

    Absolutely terrible service. Can’t even guarantee their work! I booked a car I was interested in buying for a pre-purchase mechanical inspection and a cost of $249. Had to wait quite a while to get it inspected. When the mechanic finally inspected it the vehicle he ticked almost everything (including Air Con and Aux Drive belts) as green on the final report. I purchased the vehicle thinking that the mechanic actually did his job and went over the vehicle. Next few days I start hearing a squeal coming from the drive belt. Take it to another mechanic who says it needs a drive belt replacement as the belt is cracked, stretched and old. Even take pictures and get a report. Call up RACQ and ask “What the Hell’ after sending them all the evidence. Basically get told by the shitty senior customer relations rep that because I don’t have photographic evidence and sound recordings from the exact day of the mechanical inspection (I wasn’t even there as I sent them to the sellers house as they are mobile mechanics) that they couldn’t guarantee their work, there was nothing they would do and that somehow it was my fault. Yeah sure, like a drive belt just becomes cracked, old and stretched over night. I told them in no uncertain terms that I wanted my vehicle re-inspected because now I had purchased a car which could potentially have a bunch of other stuff wrong with it seeing as the initial inspection didn’t seem to have been done very well. Got told tough luck and not going to happen. I have been a loyal customer for over 5 years however I have now moved my insurance away from these guys after being treated like trash. I would advise all to do then same. Oh and if any RACQ reps are reading this and before you try and lie and say “You cant find a record of me being a member” or some other BS my old policy number was 51883267PG and the number of the crappy pre-inspection report is 6315054. Shame RACQ!

    Value for money
    0/10
    Policy coverage
    0/10
    Customer service
    0/10
    Claims handling
    0/10
    Trust
    0/10
    Less
    Aaron, Queensland reviewed about 2 months ago
  • Overall 9/10
    Very happy.

    Very good service and backup.

    Read full review

    Very good service and backup.

    Value for money
    10/10
    Policy coverage
    10/10
    Customer service
    10/10
    Claims handling
    10/10
    Trust
    10/10
    Less
    Gavin, Queensland reviewed 5 months ago
  • Overall 5/10
    Not great value. Mediocre customer service.

    Average car insurance. Not good value for money and mediocre customer service.

    Read full review

    Average car insurance. Not good value for money and mediocre customer service.

    Value for money
    5/10
    Policy coverage
    6/10
    Customer service
    5/10
    Claims handling
    5/10
    Trust
    5/10
    Less
    Keith, Queensland reviewed 5 months ago
  • Overall 9/10
    Call RACQ.

    I will never travel again without RACQ!

    Read full review

    I will never travel again without RACQ!

    Value for money
    10/10
    Policy coverage
    3/10
    Customer service
    8/10
    Claims handling
    0/10
    Trust
    10/10
    Less
    Jane, Queensland reviewed 5 months ago
  • Overall 10/10
    Great premiums for both car and home insurance.

    Great customer service over the phone when arranging my policy. Best rate I could get. Better than the insurer I had been with for years.

    Read full review

    Great customer service over the phone when arranging my policy. Best rate I could get. Better than the insurer I had been with for years.

    Value for money
    10/10
    Policy coverage
    10/10
    Customer service
    10/10
    Claims handling
    -1/10
    Trust
    10/10
    Less
    Grant, Queensland reviewed 5 months ago
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