based on 14 RAC banking product reviews as rated by Mozo community

RAC home insurance

For more than 115 years, RAC has been giving back to WA as a purpose-led member organisation who invest their profits to serve their community.

With more than one million members, RAC offers great benefits for its members and policy holders like discounts on over 100 retail partners. And it's obviously working, because RAC were one of the biggest winners in the 2021 Mozo People's Choice Awards. Compare RAC's range of home and contents insurance options below.

RAC offers the following home insurance

Rates and fees verified as correct at 18 September, 2021. Other information correct at the time of writing. Advertiser disclosure.

Product Main Events covered Monthly payments cost extra Underinsurance protection New for old replacement
Contents Insurance
Image of fire Fire
Image of theft Theft
Image of storm Storm
Image of flood Flood

Yes

No

Yes

Home & Contents Insurance
Image of fire Fire
Image of theft Theft
Image of storm Storm
Image of flood Flood

Yes

No

Yes

Home Insurance
Image of fire Fire
Image of theft Theft
Image of storm Storm
Image of flood Flood

Yes

No

Yes

How is RAC home insurance rated?

Mozo users have rated RAC home insurance on price, features, convenience, trust and customer service so you can see what real Aussies have to say about their experiences.

Icon of home-insurances
RAC home insurance
Overall
Value for money
Policy coverage
Customer service
Claims handling
Trust

102 Reviews

Recent RAC home insurance reviews

RAC Home Insurance
Overall 1/10
RAC are out of touch big time!

Fence blew down in the recent storms with 4 panels damaged. The fence in question is the James Hardie Fence, rang to put in a claim was advised I needed to get a quote and organise myself (what a joke), after ringing around it became apparent this fence material is now redundant prices per panel to purchase are selling for $265 so 4 x $265 = $1,060, this is without an installation component which I was told will be a minimum day rate what ever that is? So I rang RAC to put in a claim, the person over the phone said RAC would only cover $135 per panel installed, I said you guys are out of the market as they cost $265 with installation, she went on to say if I get a quote send it through for assessment but it wont be approved because they are firm on their $135 rate which is ridiculously out of the market. So the worst part is still coming - she calculates RAC's rate at $135 per panel installed so this comes in at $540 less 50% for next door to pay $270. My excess is $500 so she said to proceed I need to pay my $500 excess and she sends me $270 so I've lost $230. So now I have $270 after I've paid $500 NICE WORK RAC!!!

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Fence blew down in the recent storms with 4 panels damaged. The fence in question is the James Hardie Fence, rang to put in a claim was advised I needed to get a quote and organise myself (what a joke), after ringing around it became apparent this fence material is now redundant prices per panel to purchase are selling for $265 so 4 x $265 = $1,060, this is without an installation component which I was told will be a minimum day rate what ever that is? So I rang RAC to put in a claim, the person over the phone said RAC would only cover $135 per panel installed, I said you guys are out of the market as they cost $265 with installation, she went on to say if I get a quote send it through for assessment but it wont be approved because they are firm on their $135 rate which is ridiculously out of the market. So the worst part is still coming - she calculates RAC's rate at $135 per panel installed so this comes in at $540 less 50% for next door to pay $270. My excess is $500 so she said to proceed I need to pay my $500 excess and she sends me $270 so I've lost $230. So now I have $270 after I've paid $500 NICE WORK RAC!!!

Value for money
1/10
Policy coverage
1/10
Customer service
3/10
Claims handling
1/10
Trust
1/10
Less
Tony, Western Australia, reviewed 5 days ago
RAC Home & Contents Insurance
Overall 10/10
Reliable company.

Easy to deal with. Have paid out when needed with no problems. Claims were dealt with quickly and helpfully.

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Easy to deal with. Have paid out when needed with no problems. Claims were dealt with quickly and helpfully.

Value for money
8/10
Policy coverage
10/10
Customer service
10/10
Claims handling
10/10
Trust
10/10
Less
Lynne, Western Australia, reviewed 4 months ago
RAC Home & Contents Insurance
Overall 9/10
Would recommend to anyone

We bought our house first house a year ago and within 2 weeks we had a burst water pipe from removing an old nail and found the previous owner had punctured the pipe! We called RAC on the day and with excellent customer service our pipe and wall was repaired the next day (on a Sunday!)

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We bought our house first house a year ago and within 2 weeks we had a burst water pipe from removing an old nail and found the previous owner had punctured the pipe! We called RAC on the day and with excellent customer service our pipe and wall was repaired the next day (on a Sunday!)

Value for money
9/10
Policy coverage
9/10
Customer service
10/10
Claims handling
9/10
Trust
9/10
Less
Brooke, Western Australia, reviewed 5 months ago
RAC Building Insurance
Overall 8/10
Values its members and community.

I have been with RAC for a number of years. It is great to deal with a locally owned company that values it's members and puts back to the community.

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I have been with RAC for a number of years. It is great to deal with a locally owned company that values it's members and puts back to the community.

Value for money
8/10
Policy coverage
8/10
Customer service
8/10
Claims handling
10/10
Trust
10/10
Less
Steven, Western Australia, reviewed 5 months ago

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