RAC - Contents Insurance

RAC Contents Insurance Review

Rates and fees information correct as at 17 November 2018.

Review published: 20 September 2017

What's hot:

  • New for old item replacement

  • Automatic flood cover

  • $35 online discount

What's not:

  • Higher premium for monthly payments

Mozo snapshot:

If you’re looking for value for money when it comes to protecting your possessions and valuables, then RAC’s Contents Insurance policy may be the option for you. Not only does the policy provide some seriously generous cover limits for your valuables, it also includes features you might not get with other policies such as automatic flood cover and new for old replacement.


Key features:

RAC Contents Insurance will give you peace of mind that your possessions will be insured in the event that something goes wrong, with cover for a number of possible events including storms, fires, acts of vandalism and even floods. While you won’t be covered for power or storm surges, RAC does provide accidental damage cover (say if you manage to crack your tv screen) as an optional extra.

From your antiques to the tools you use for work, the RAC Contents Insurance policy provides generous cover limits for a heap of your valuables. Any cash you have in your house will be covered for up to $200, as will your watches and jewellery (up to $2,000 an item) and even the contents of your home office (up to $5,000). The policy also provides up to $500 worth of cover for the replacement of your home’s locks if your keys are are lost or stolen.

If a covered event does occur, RAC will provide temporary accommodation (up to 10% sum insured) for your family and pets for up to 12 months, plus it will replace your contents with new equivalents (where possible) under the new for old replacement cover.     

You’ll also be eligible for a number of discounts with an RAC Contents Insurance policy, including $35 off your premium if you sign up online, and up to 25% off your policy if you have an RAC monitored security alarm. 

Who it's good for:

If you live in Western Australia and are looking for a low cost insurance deal that gives you  real bang for your buck, then RAC’s Contents Insurance policy could be the perfect fit for you.



Any catches?

Just bear in mind that as an RAC policyholder you’ll be charged a higher premium if you choose to pay for it in monthly instalments rather than as a yearly lump sum.


How is RAC home insurance rated by the Mozo community?

Product Type Overall Rating Price Features Service Claims Handling Trust
RAC home insurance
8.0

Based on 83
RAC home insurance reviews

7.7 8.0 8.1 7.9 8.0

Latest reviews of RAC Contents Insurance

RAC

RAC Contents Insurance home insurance review

Overall rating   10 / 10

Great price and customer service.

Great customer service and great pricing for the cover that is given. Their website could do with some extra features to save a phone call though.

Full review

Great customer service and great pricing for the cover that is given. Their website could do with some extra features to save a phone call though.

    Value for money   10 / 10

    Policy coverage   10 / 10

    Customer service   10 / 10

    Claims handling   10 / 10

    Trust   10 / 10

Less

Tyler, Western Australia, reviewed almost 3 years ago

RAC

RAC Contents Insurance home insurance review

Overall rating   9 / 10

OK

We have been with RAC for years, so don't really know how well they would pay up, no claims entered.

Full review

We have been with RAC for years, so don't really know how well they would pay up, no claims entered.

    Value for money   8 / 10

    Policy coverage   9 / 10

    Customer service   10 / 10

    Claims handling   8 / 10

    Trust   8 / 10

Less

Marie, Western Australia, reviewed over 3 years ago

RAC

RAC Contents Insurance home insurance review

Overall rating   9 / 10

Easy to use online forms and comprehensive website

Easy to get hold of a real person by phone and availability of claim forms online, user friendly.

Full review

Easy to get hold of a real person by phone and availability of claim forms online, user friendly.

    Value for money   6 / 10

    Policy coverage   8 / 10

    Customer service   9 / 10

    Claims handling   9 / 10

    Trust   9 / 10

Less

Christina, Western Australia, reviewed over 3 years ago

RAC

RAC Contents Insurance home insurance review

Overall rating   7 / 10

Excellent customer service

Easy to deal with, professional and polite staff and the claims process is very straightforward.

Full review

Easy to deal with, professional and polite staff and the claims process is very straightforward.

    Value for money   6 / 10

    Policy coverage   6 / 10

    Customer service   8 / 10

    Claims handling   7 / 10

    Trust   7 / 10

Less

Vanessa, Western Australia, reviewed over 4 years ago

RAC

RAC Contents Insurance home insurance review

Overall rating   9 / 10

Great customer service

RAC is a very old firm has been around as long as I can remember and have always seemed fair in what ever they had you covered for.

Full review

RAC is a very old firm has been around as long as I can remember and have always seemed fair in what ever they had you covered for.

    Value for money   7 / 10

    Policy coverage   7 / 10

    Customer service   7 / 10

    Claims handling   8 / 10

    Trust   8 / 10

Less

Annette, Western Australia, reviewed over 4 years ago

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Contents

  • Up to $200

  • Up to $500

  • Up to $2,500

  • Software and Hardware up to sum insured

  • Optional extra

  • Up to $2,000 per item

  • Up to $2,000 per item, up to $5,000 total when combined with gems and precious stones

  • Up to $2,000 per item, up to $5,000 in total

  • Up to $500

  • Optional extra

  • Up to $2,000

  • Up to $5,000

Other cover

  • Up to $500

  • Up to 12 months, up to 10% of sum insured

  • Up to 12 months

  • Up to 10% of sum insured

  • Up to 14 days

  • Up to sum insured

Policy and service features

  • 60

  • $0

  • Up to 25% security alarm discount, $35 online discount, 0% Road assistance member discount

  • Optional Extra - Up to $1,000 per item up to 5 items

  • Up to 20% of sum insured

  • Up to $20,000,000

Events

  • Optional extra

  • Reasonable cost

Any information provided on this page should be considered a summary and general advice only. All information should be verified before purchase via the relevant Product Disclosure Statement (PDS).

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