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RAC Contents Insurance

Advertiser disclosure
Important information on terms, conditions and sub-limits
Fire
Yes
Theft or burglary
Yes
Flood
Yes
Storm
Yes
Building cover
n/a
Contents cover

Mozo editorial review RAC Contents Insurance - last updated: 2 February 2021

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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.

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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. 

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Who is it 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.



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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.


Details

Cover information and limits in the table below correct as at 28 March 2024. 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.
Contents

Up to $200

Up to $500

Up to $5,000

Hardware yes, software up to $5,000

Yes

Yes

Yes

Up to $2,000 per item, $5,000 in total.

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 total combined with jewellery

Up to $500

No

Yes

Up to $2,000

No

Up to $5,000

Other cover

No

No

Up to $800

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

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

No

No

No

No

Up to 14 days

Yes

Policy and service features

60

No

Yes

$0

true

no

Up to 25% security alarm discount, 10% Road assistance member discount

No

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

Up to 20% of sum insured

Up to $20,000,000

none

none

Events

Optional Extra

Yes

Yes

Yes

Yes

Yes

Yes

Yes

No

Yes

Yes

No

Yes

Yes

Yes

Yes

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.

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