RACT Comprehensive Motor Vehicle Insurance

Discounts and excesses

• Monthly premiums available

  Yes costs extra

• Choice of excess

  $500 - $5,000

• Young driver excess imposed

  $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

• Maximum no claim discount table

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

• Maximum no claim discount term

  5 years

• Online discount

  n/a

• Multi policy discount

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

• No claim discount

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

• Discounts available

  n/a

Service features

• Roadside assistance

  Optional Extra

• Choice of repairer

  No

• Claims service 24 7

  Yes

• Other benefits

  n/a

• Other restrictions

  n/a

Coverage summary

• Agreed or market value

  Agreed

• New car if written off

  Yes - within 2 years of original registration

• Personal property cover

  Up to $500 if damaged or stolen.

• Windscreen cover

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

• Emergency repairs without assessment

  Up to $500

• Emergency options

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

• Rental car after theft

  Yes - Up to 14 days.

• Rental car after accident

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

• Rental car liability

  Yes - legal liability cover when using a substitute vehicle.

• Trailer or caravan cover

  Up to $1,000 for trailers only

• Replacement keys

  Up to $1,000 if stolen or lost.

• Baby capsule or seats

  Up to $500

• Modifications

  Covered only if agreed in writing.

• Accidental death cover for driver

  No

• Rideshare cover

  Optional Extra