RACT car insurance

Frequently asked questions about RACT car insurance

What excess option should I opt for?

That depends on your budget and how you want to manage your insurance. You may want to pay a lower premium now in return for higher excess at the time of an accident, or you may be happy to pay a bit more upfront so you don’t have to come up with the cash when you really need it most.

Another thing to remember is that young drivers will pay an extra excess.

How is my premium calculated?

Your premium will depend on a bunch of different things that all combine to give RACT an idea of how likely it is you will make a claim. These things include:

• the make, model and colour of your car
• where you keep your car when you aren’t driving it
• who you are - your age and how long you’ve been driving

How can I pay my premium?

You can choose to pay your premium annually in one lump sum, or you can pay in monthly installments. Keep in mind, paying monthly will incur extra charges.

What discounts are available?

Love a discount? When you take out car insurance with RACT, there are a bunch of discounts you can cash in on, including:
No claims discount

Multi-policy discount

Silver driver discount (for people over 50, working less than 20 hours a week)

What is covered by my policy?

Your RACT insurance policy will cover heaps of unexpected costs that might come with having an accident in your car. Covers include:

• Roadside assistance
• A new car if yours is written off
• Emergency repairs without assessment
• Towing costs
• Emergency accommodation and transport
• A hire car after having yours stolen
• Hire car liability

Remember, conditions apply to these benefits.

What optional extras can I add to my car insurance?

Other cover options you may want to add to your policy for extra security include the cost of a rental car after you have an accident and cover for any modifications to your vehicle.

How is RACT rated by customers?

Want to hear what real Tasmanians think of RACT car insurance coverage? Well, now you can, in Mozo’s customer review section. We’ve asked RACT customers to rate their experience in terms of price, convenience, customer service and more.

How to make a claim

Need to make a claim on your RACT car insurance policy? There are a few things you should make sure you have in order to make the process as quick and easy as possible.

• Your RACT policy number
• Your contact details
• Details of your car, including registration, make, model and year
• Information about the accident, including when, where and how it happened
• If the police were involved, a police report number or the contact details for the relevant department
• Details of anyone else involved, including contact, registration and insurance details
• Contact details for any witnesses