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.
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.
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.
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.
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
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
60
No
Yes
$0
true
no
Up to 25% security alarm discount, $35 online discount, 0% 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
No
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 on the provider's website for further information before making any decisions about an insurance product.
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).
We love RAC as they are very good and easy to deal with and they actually care.
Read full reviewWe love RAC as they are very good and easy to deal with and they actually care.
Very easy to deal with, claims experience excellent.
Read full reviewVery easy to deal with, claims experience excellent.
Excellent value for money.
Read full reviewExcellent value for money.
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.
Read full reviewGreat 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.
We have been with RAC for years, so don't really know how well they would pay up, no claims entered.
Read full reviewWe have been with RAC for years, so don't really know how well they would pay up, no claims entered.