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. 

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

Rates and fees verified as correct at 28 January, 2021. Other information correct at the time of writing. Advertiser disclosure.

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

Yes costs extra

up to 60%

n/a

No

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:

  • 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
Overall
8.4/10
Value for money
Policy coverage
Customer service
Claims handling
Trust

208 Reviews

Recent RACT car insurance reviews

RACT Car Insurance review
Overall 7/10
Efficient and professional.

Their information online and offers for consumers is always current and informative.

Read full review

Their information online and offers for consumers is always current and informative.

Value for money
8/10
Policy coverage
8/10
Customer service
8/10
Claims handling
8/10
Trust
8/10
Less
Kathleen, Western Australia, reviewed about 1 month ago
RACT Car Insurance review
Overall 8/10
They are no fuss and cover almost everything

They are no fuss and cover almost everything. I am happy with the price and it includes roadside assistance.

Read full review

They are no fuss and cover almost everything. I am happy with the price and it includes roadside assistance.

Value for money
8/10
Policy coverage
9/10
Customer service
10/10
Claims handling
7/10
Trust
10/10
Less
Matthew, Tasmania, reviewed about 1 month ago
RACT Car Insurance review
Overall 1/10
Shady

They stole money from me and refuse to follow up on my customer service complaints and emails. I deliberately and very clearly cancelled my insurance after the one year expired. Somehow they thought it was okay to continue to charge my card, even though they responded to my cancellation request and it was made explicit that I want nothing more to do with their company. Sketchy and fraudulent business practices they should be ashamed of. Business must be tough when you have to scam loyal, hard-working, and honest customers.

Read full review

They stole money from me and refuse to follow up on my customer service complaints and emails. I deliberately and very clearly cancelled my insurance after the one year expired. Somehow they thought it was okay to continue to charge my card, even though they responded to my cancellation request and it was made explicit that I want nothing more to do with their company. Sketchy and fraudulent business practices they should be ashamed of. Business must be tough when you have to scam loyal, hard-working, and honest customers.

Value for money
1/10
Policy coverage
1/10
Customer service
1/10
Claims handling
1/10
Trust
1/10
Less
Benjamin, Tasmania, reviewed 7 months ago
RACT Comprehensive Motor Vehicle Insurance review
Overall 10/10
Quick payment claims, fantastic value and service.

The RACT have wonderful informative staff, are trustworthy and quickly pay out any claim. I would thoroughly recommend them to anyone looking for insurance.

Read full review

The RACT have wonderful informative staff, are trustworthy and quickly pay out any claim. I would thoroughly recommend them to anyone looking for insurance.

Value for money
10/10
Policy coverage
10/10
Customer service
10/10
Claims handling
10/10
Trust
10/10
Less
Adrian, Tasmania, reviewed 8 months ago

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