Cover information and limits in the table below verified as correct at 26 April 2024. Other information correct at the time of writing.
Advertiser disclosure.
Important information on terms, conditions and sub-limits
| Product | Main Events covered | Monthly payments cost extra | Underinsurance protection | New for old replacement |
|---|---|---|---|---|
| Contents Insurance |
|
Yes |
No |
Yes |
| Home & Contents Insurance |
|
Yes |
No |
Yes |
| Home Insurance |
|
Yes |
No |
Yes |
Mozo users have rated RACQ home insurance on price, features, convenience, trust and customer service so you can see what real Aussies have to say about their experiences.
157 Reviews
Trusted Qld Company whongive alot back to the community. Easy and transparent to deal with and don't decline claims easily. They also offer discount incentives for members and product bundling.
Read full reviewTrusted Qld Company whongive alot back to the community. Easy and transparent to deal with and don't decline claims easily. They also offer discount incentives for members and product bundling.
Phone staff clear and concise no overseas call centre. Keeps us informed when dealing with claims Genuine Australian business
Read full reviewPhone staff clear and concise no overseas call centre. Keeps us informed when dealing with claims Genuine Australian business
Our kitchen had water through it and RACQ was excellent to claim with. They followed up our complaints when the builder didn't provide an adequate assessment. Sadly, they became too expensive to continue staying with. Approximately two thousand dollars more expensive than other insurances!
Read full reviewOur kitchen had water through it and RACQ was excellent to claim with. They followed up our complaints when the builder didn't provide an adequate assessment. Sadly, they became too expensive to continue staying with. Approximately two thousand dollars more expensive than other insurances!
I would never recommend this company. I looked at the other reviews and I don’t believe they are kosher. All the people have written them have not had need to claim. Three years on, and Racq has still not settled a claim for my family member who had insurance with this company. When she made the claim, they told her she was not covered. Upon speaking to another insurer, they advised her to go back to Racq because she was covered under the policy. Nearly a year later, and they still have not resolved the IRD. She escalated this to the CEOs office who, promised to settle the claim in early April and still have not. She lost all her belongings and had to go into living into temporary commendation. The huge financial strain has been enormous. To date she has dealt with seven people in Racq all promising to resolve the claim and no one has. She has now received a really offensive email from the in-house solicitor who has made the claim experience extremely difficult and declared to pay out the claim she needs better pictures of all items lost and quibbling about petty amounts of money when she lost everything . He has also demonstrated very unethical behaviour. I certainly would never recommend this company after seeing what they have put my friend through. The culture of it is not to pay at any cost to their customer who pays for the insurance . She is dealing with the ceos office and like any company the culture is set at the top.
Read full reviewI would never recommend this company. I looked at the other reviews and I don’t believe they are kosher. All the people have written them have not had need to claim. Three years on, and Racq has still not settled a claim for my family member who had insurance with this company. When she made the claim, they told her she was not covered. Upon speaking to another insurer, they advised her to go back to Racq because she was covered under the policy. Nearly a year later, and they still have not resolved the IRD. She escalated this to the CEOs office who, promised to settle the claim in early April and still have not. She lost all her belongings and had to go into living into temporary commendation. The huge financial strain has been enormous. To date she has dealt with seven people in Racq all promising to resolve the claim and no one has. She has now received a really offensive email from the in-house solicitor who has made the claim experience extremely difficult and declared to pay out the claim she needs better pictures of all items lost and quibbling about petty amounts of money when she lost everything . He has also demonstrated very unethical behaviour. I certainly would never recommend this company after seeing what they have put my friend through. The culture of it is not to pay at any cost to their customer who pays for the insurance . She is dealing with the ceos office and like any company the culture is set at the top.