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

Rates and fees information correct as at 8 March 2021. 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 $2,500

  • Hardware yes, software up to $2,500

  • Yes

  • Yes

  • Yes

  • 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 total combined with jewellery

  • Up to $500

  • No

  • Yes

  • Up to $2,000

  • No

  • Up to $5,000

Other cover
  • No

  • No

  • Up to $500

  • 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, $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

Events
  • No

  • Yes

  • Yes

  • Yes

  • Yes

  • Yes

  • Yes

  • Yes

  • No

  • Yes

  • Yes

  • No

  • Yes

  • Yes

  • Yes

  • Yes

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).

Customer Reviews

How are RAC home insurance rated by the Mozo community?

Overall
8.1/10
Value for money
7.8/10
Policy coverage
8.1/10
Customer service
8.2/10
Claims handling
8.0/10
Trust
8.1/10

Latest reviews of RAC Contents Insurance