RACT logo

RACT Comprehensive Motor Vehicle Insurance

Advertiser disclosure
Important information on terms, conditions and sub-limits
Monthly premiums available
Yes costs extra
Maximum no claim discount
up to 60%
Online discount
Choice of repairer


Rates and fees information correct as at 18 May 2022. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Discounts and excesses

Yes costs extra

$500 - $5,000

$750 for male drivers under 22, $650 for female drivers under 22, $400 for male drivers under 24, $300 for female drivers under 24. $1,500 unlisted drivers under 25

- (WA)
- (VIC)
60% (TAS)
- (NSW)
- (SA)
- (QLD)
- (NT)
- (ACT)

5 years


10% for 3 or more policies for over 50s working less than 20 hours pw

Maximum no claims discount is protected for life when insured reaches the maximum no claims discount level.


Service features

Optional Extra





Coverage summary


Yes - within 2 years of original registration

Up to $500 if damaged or stolen.

Yes - standard excess. Option to reduce windscreen excess to $0 for an additional premium.

Up to $500

Reasonable towing costs. Up to $1,000 travel and accommodation costs if greater than 100 km from home.

Yes - Up to 14 days.

Not at fault - Optional Extra. At fault - Optional Extra. Up to 14 days.

Yes - legal liability cover when using a substitute vehicle.

Up to $1,000 for trailers only

Up to $1,000 if stolen, lost or maliciously damaged.

Up to $500

Covered only if agreed in writing.


Optional Extra

Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.

Customer Reviews

How are RACT car insurance rated by the Mozo community?

Value for money
Policy coverage
Customer service
Claims handling

Latest reviews of RACT Comprehensive Motor Vehicle Insurance Car Insurance

About RACT