Rates and fees verified as correct at 30 June 2022. Other information correct at the time of writing.
Advertiser disclosure.
Important information on terms, conditions and sub-limits
| 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 |
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.
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:
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.
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)
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.
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.
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.
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.
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.
215 Reviews
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 reviewOur 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
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 reviewRACT 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.
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 reviewCustomer 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.
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 reviewRACT 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.
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