RACT car insurance

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. 

RACT’s comprehensive car insurance policy won a 2023 Mozo Experts Choice Award in the Exceptional Value Car Insurance category. Check out the details below.

RACT offers the following car insurance policies

Cover information and limits in the table below verified as correct at 28 May 2024. Other information correct at the time of writing.
Advertiser disclosure.

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

Yes costs extra

up to 60%

n/a

No

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

How is RACT car insurance rated?

Mozo users have rated RACT car insurance on price, features, convenience, trust and customer service so you can see what real Aussies have to say about their experiences.

Icon of car-insurances
RACT car insurance customer reviews
Overall
8.3/10
Value for money
7.5/10
Policy coverage
8.0/10
Customer service
8.6/10
Claims handling
8.5/10
Trust
8.3/10
Based on 222 RACT product 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.

Recent RACT car insurance reviews

RACT Comprehensive Car Insurance
Overall 8/10
Insurance

My insurance claim was made pretty smooth and drama free when already under alot of stress after my car was damaged. I was grateful for the extra support to help me move forward with my claim

Read full review

My insurance claim was made pretty smooth and drama free when already under alot of stress after my car was damaged. I was grateful for the extra support to help me move forward with my claim

Value for money
10/10
Policy coverage
10/10
Customer service
10/10
Claims handling
10/10
Trust
9/10
Less
Cassandra, Tasmania, reviewed about 2 months ago
RACT Car Insurance
Overall 3/10
Knock for knock policy in play?

They appear to have a knock for knock policy whereby they don't follow up claims with any vigour if it involves their partners (in my case Cruising' Motor Homes). As such you will pay excess regardless of other party admitting guilt (which is what is happening in my case).

Read full review

They appear to have a knock for knock policy whereby they don't follow up claims with any vigour if it involves their partners (in my case Cruising' Motor Homes). As such you will pay excess regardless of other party admitting guilt (which is what is happening in my case).

Value for money
3/10
Customer service
9/10
Claims handling
10/10
Trust
1/10
Less
Denis, Tasmania, reviewed 2 months ago
RACT Comprehensive Car Insurance
Overall 8/10
Get covered fully get comprehensive car insurance

I got full comprehensive car insurance which is the best policy because it covers my car fully in case of an accident even if it is my fault and for fire or theft; etc.

Read full review

I got full comprehensive car insurance which is the best policy because it covers my car fully in case of an accident even if it is my fault and for fire or theft; etc.

Value for money
8/10
Policy coverage
8/10
Customer service
8/10
Claims handling
8/10
Trust
8/10
Less
John, Tasmania, reviewed about 2 months ago
RACT Comprehensive Car Insurance
Overall 10/10
Could not be happier with this Tassie company

I found this company after the company I was with for over fifteen years rang to say they were doubling my rates and no added benefits to soften the blow. Well I was not impressed. I rang around and I talked to friends and looked at all the offers and I came to the conclusion that RACT gave the best deal and valued my custom.

Read full review

I found this company after the company I was with for over fifteen years rang to say they were doubling my rates and no added benefits to soften the blow. Well I was not impressed. I rang around and I talked to friends and looked at all the offers and I came to the conclusion that RACT gave the best deal and valued my custom.

Value for money
10/10
Policy coverage
10/10
Customer service
10/10
Trust
10/10
Less
Alison we, Tasmania, reviewed 7 months ago
See all car insurance reviews
Mozo recommends that ratings are only one factor to be taken into account when deciding whether to take up any financial product offer.
Mozo may receive a payment from financial providers listed on the site. Customer reviews are in no way affected by any commercial relationships Mozo has with providers.

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