RACT car insurance

RACT's overall rating for car insurance

(as rated by the Mozo community)

8.4 / 10

based on 206 reviews

RACT was established in Tasmania in 1923 as the Royal Automobile Club of Tasmania. For over 90 years, it's been catering to Tassie drivers, whether they're looking for roadside assistance, help planning a holiday or car insurance. 

In 2020, RACT's car insurance was stand-out in the Mozo People's Choice Award, so check out the details below.

RACT offers the following car insurance policies

Product Monthly premiums available Maximum no claim discount Online discount Choice of repairer

Yes costs extra

up to 60%



*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).

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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:

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:

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.

More helpful car insurance quick links