RAC Home & Contents Insurance

RAC Home & Contents Insurance

Mozo Review   RAC Home & Contents Insurance Review

Last updated: 26 September 2019.

What's hot:
  • 2019 Mozo Experts Choice Award

  • Multiple discounts up for grabs including a 15% combined policy rebate

  • Up to 12 months of temporary accommodation for you and your pets

  • New for old replacement

What's not:
  • Doesn’t cover death and injury or veterinary expenses

Mozo snapshot:

On the lookout for a top-notch home and contents insurance policy? Well, with a 2019 Mozo Experts Choice Award for Exceptional Value Home & Contents Insurance under their belt, you've come to the right place. With coverage for a wide variety of natural disasters and personal items, as well as a range of discounts on offer, RAC's Home & Contents Insurance could be the very thing you’re looking for!

Key features:

On the hunt for a solid home and contents insurance policy? Then look no further than RAC Home & Contents Insurance! With coverage on a broad range of natural disasters, such as storm, fire, fusion and earthquake, and even flood cover (at no extra cost!) as well as other events like theft or burglary and malicious acts and vandalism, RAC Home & Contents Insurance could be just what you’re after.

In addition, RAC Home & Contents Insurance comes with a bunch of building cover inclusions, such as landscaping (up to $500 on storm damage to trees and shrubs), buildings and structural improvements, gates and fences and up to $2,000 cover on building materials.

RAC Home & Contents Insurance also provides cover on cash (up to $200), a credit card (up to $500), CDs, DVDs and electronic files (up to $2,500) and computer software and hardware (software up to $2,500). 

And if you’re concerned about your material possessions, RACE Home & Contents Insurance covers antiques and valuables (up to $2,000), jewellery (up to $2,000 per item, up to $5,000 total when combined with gems and precious stones), uncut gems (up to $2,000 per item, up to $5,000 total combined with jewellery).

Other cover includes replacement of documents (up to $500), personal medical equipment, tools of trade (up to $2,000) and home office contents (up to $5,000), plus loads more. Another great thing about RAC Home & Contents Insurance is you’ll have up to 12 months (up to 10% of sum insured) temporary accommodation for both you and your pets, should you ever require it.

And to top it all off, there are a bunch of different discounts up for grabs, like a 15% combined policy discount, up to 25% security alarm discount, $70 online discount and 10% road assistance member discount.

Who it's good for:

With coverage on a huge range of different events and items, RAC Home & Contents Insurance is a fantastic insurance option for Aussies looking for a solid home and contents insurance policy, especially if you can take advantage of the various discounts available.

Any catches?

RAC Home & Contents Insurance offers a huge variety of cover, however, be aware that there are some things that this policy doesn’t cover, like death and injury, veterinary expenses and emergency storage. So, if you’re after cover on these things in particular, then this policy might not be for you.

Details

Rates and fees information correct as at 15 December 2019. 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.
Policy and service features
  • 60

  • $0

  • n/a

  • 15% combined policy discount, up to 25% security alarm discount, $70 online discount, 10% Road assistance member discount

  • Up to 90 days, up to 20% of sum insured

  • Up to 20% of sum insured

  • Up to $20,000,000

  • n/a

  • n/a

Events
Buildings
  • Up to $2,000

  • Storm damage to trees and shrubs, up to $500

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 10% of sum insured combined with demolition cost

  • Up to 10% of sum insured combined with debris removal cost

  • Up to 14 days

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 Home & Contents Insurance

  • Overall
    5/10
    Great staff to deal with. Poor PDS policies!

    It’s a good sounding policy however make sure you read the PDS fine print. A lot of clauses...

    It’s a good sounding policy however make sure you read the PDS fine print. A lot of clauses exclude or minimises your claim by compartmentalising some categories. We were hand passed to loss assessors who hand passed us to a sub-contractor! Our shed was covered under contents but only $300 is given for car parts and accessories. That’s one tyre and a rim for a 9x6 shed which is ridiculous. Trailers would only be covered if they are connected to a tow ball on car, again ridiculous. I have 2 trailers and only 1 tow ball so now one of my trailers can’t get coverage. When you pay the premiums for $100,000 coverage, you expect to get a high level of coverage however this is not the case with this insurance. Also to anyone reading please be aware if you are under insured or not!

    Value for money
    6/10
    Policy coverage
    5/10
    Customer service
    4/10
    Claims handling
    4/10
    Trust
    2/10

    Bernie | Western Australia

    reviewed 3 months ago

  • Overall
    10/10
    Brilliant insurance services

    Excellent customer service cost and claims.

    Excellent customer service cost and claims.

    Value for money
    10/10
    Policy coverage
    10/10
    Customer service
    10/10
    Claims handling
    10/10
    Trust
    10/10

    Denise | Western Australia

    reviewed about 1 year ago

  • Overall
    10/10
    Great insurer

    Likewise to my car insurance, I have been with RAC for over 20 years and I have never experienced...

    Likewise to my car insurance, I have been with RAC for over 20 years and I have never experienced any issues. RAC provide great value and customer support.

    Value for money
    10/10
    Policy coverage
    -
    Customer service
    -
    Claims handling
    -
    Trust
    -

    Greg | Western Australia

    reviewed over 2 years ago

  • Overall
    10/10
    Great competitive pricing and easy sign up

    Great competitive prices and discounts for signing up online. I switched from my previous insurer...

    Great competitive prices and discounts for signing up online. I switched from my previous insurer to RAC because they offered me comparable coverage for much less even though I'd been a loyal customer of my previous insurer for over 5 years.

    Value for money
    10/10
    Policy coverage
    -
    Customer service
    -
    Claims handling
    -
    Trust
    -

    Rebecca | Western Australia

    reviewed almost 3 years ago

  • Overall
    6/10
    Trusted, established but pricey

    Claims process ok, however expensive policy

    Claims process ok, however expensive policy

    Value for money
    5/10
    Policy coverage
    5/10
    Customer service
    6/10
    Claims handling
    7/10
    Trust
    7/10

    Dave | Western Australia

    reviewed almost 4 years ago