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 30 June 2022. 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%

$50

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
Overall
Value for money
Policy coverage
Customer service
Claims handling
Trust

215 Reviews

Recent RACT car insurance reviews

RACT Comprehensive Motor Vehicle Insurance
Overall 5/10
A more caring insurance company would be lovely

Our insurance Company have been very good up until our last claim. We had the oven blow up in our caravan, damaging my legs, our kitchen and blew out the side of the van. They paid for the kitchen but not the side of the van blowing out saying it was due to rot that is in the bathroom, which is 2 metres away. We discovered on our last trip away this year the bathroom corner has rot. I've disputed with the insurance company that how could the rot blow out the side of the van if it is even rotten. They have not even accessed this area! So they have said when we get it fixed we can dispute it again after we do all the work of taking off the side of the van for them to look at! We just felt that this insurance company have now turned us into a number after being with them for over 20 years and spending over $6000 a year with them and have probably made 12 small claims in those years. It would have been nice to just have something a bit more personal like a card or hamper after me burning myself quite badly. Maybe I have over reacted, as Ive now changed insurance company's but it's just been a sh@#t year as i lost my brother three months ago right in the middle of all this.. Sorry to rant lol

Read full review

Our insurance Company have been very good up until our last claim. We had the oven blow up in our caravan, damaging my legs, our kitchen and blew out the side of the van. They paid for the kitchen but not the side of the van blowing out saying it was due to rot that is in the bathroom, which is 2 metres away. We discovered on our last trip away this year the bathroom corner has rot. I've disputed with the insurance company that how could the rot blow out the side of the van if it is even rotten. They have not even accessed this area! So they have said when we get it fixed we can dispute it again after we do all the work of taking off the side of the van for them to look at! We just felt that this insurance company have now turned us into a number after being with them for over 20 years and spending over $6000 a year with them and have probably made 12 small claims in those years. It would have been nice to just have something a bit more personal like a card or hamper after me burning myself quite badly. Maybe I have over reacted, as Ive now changed insurance company's but it's just been a sh@#t year as i lost my brother three months ago right in the middle of all this.. Sorry to rant lol

Value for money
9/10
Policy coverage
8/10
Customer service
10/10
Claims handling
5/10
Trust
4/10
Less
Karen, Tasmania, reviewed 7 months ago
RACT Comprehensive Motor Vehicle Insurance
Overall 10/10
Best comprehensive car insurance

RACT are local and easy to reach in an emergency. Well priced compared to the competition and no hidden nasty surprises when you have to make a claim.

Read full review

RACT are local and easy to reach in an emergency. Well priced compared to the competition and no hidden nasty surprises when you have to make a claim.

Value for money
10/10
Policy coverage
10/10
Customer service
10/10
Claims handling
10/10
Trust
10/10
Less
Bethany, Tasmania, reviewed 10 months ago
RACT Comprehensive Motor Vehicle Insurance
Overall 1/10
Ract car insurance

Customer service is very disappointing. The staff is rude. You pay significant premiums and expect to be treated with respect. Also to my surprise, the credibility of witnesses is not of concern to them. Apparently if a party to the accident and a witness know each other is still ok. They don’t feel that there is a conflict of interest. I used to be with AMMI and decided to switch to save $50. Worst decision ever.

Read full review

Customer service is very disappointing. The staff is rude. You pay significant premiums and expect to be treated with respect. Also to my surprise, the credibility of witnesses is not of concern to them. Apparently if a party to the accident and a witness know each other is still ok. They don’t feel that there is a conflict of interest. I used to be with AMMI and decided to switch to save $50. Worst decision ever.

Value for money
6/10
Policy coverage
6/10
Customer service
1/10
Claims handling
2/10
Trust
1/10
Less
Emma, Tasmania, reviewed about 1 year ago
RACT Car Insurance
Overall 9/10
Great service & value for money

RACT have been my insurers for comprehensive car cover for a few years now. They are super friendly, and only too happy to help. I am insured to the hilt and happy with the price. Won't ever change to anyone else. The Roadside option is also fantastic. Option to pay monthly is great. Thanks RACT.

Read full review

RACT have been my insurers for comprehensive car cover for a few years now. They are super friendly, and only too happy to help. I am insured to the hilt and happy with the price. Won't ever change to anyone else. The Roadside option is also fantastic. Option to pay monthly is great. Thanks RACT.

Value for money
8/10
Policy coverage
10/10
Customer service
10/10
Trust
10/10
Less
Grace, Tasmania, reviewed about 1 year ago

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