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RAC Contents Insurance

Fire
Theft or burglary
Flood
Storm
Building cover
false
Contents cover
true

Mozo editorial review RAC Contents Insurance

Last updated: 6 July 2020.

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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 12 July 2020. 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

  • 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

  • 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

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

Customer Reviews

How are RAC home insurance rated by the Mozo community?

Overall customer rating
8.0/10
Value for money
7.7/10
Policy coverage
8.0/10
Customer service
8.1/10
Claims handling
7.8/10
Trust
7.9/10

Latest reviews of RAC Contents Insurance

  • Overall 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.

    Read 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 over 4 years ago
  • Overall 9/10
    OK

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

    Read 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 almost 5 years ago
  • Overall 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.

    Read 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 about 5 years ago
  • Overall 7/10
    Excellent customer service

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

    Read 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 about 6 years ago
  • Overall 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.

    Read 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 about 6 years ago