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RACQ Contents Insurance

Fire
Theft or burglary
Flood
Storm
Building cover
n/a
Contents cover

Mozo editorial review RACQ Contents Insurance

Last updated: 6 July 2020.

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What's hot
  • New-for-old cover on your contents
  • Save $25 when you buy a policy online
  • Automatic flood cover
What's not
  • No underinsurance protection
Mozo snapshot

Keep your belongings safe with an affordable contents insurance policy from RACQ. This policy offers new-for-old replacement on contents like appliances, furniture, electronics or jewellery, and covers events including theft or vandalism as well as storm, fire and flood damage. RACQ Contents Insurance also comes with a bunch of discounts for seniors, people living in an apartment or anyone who buys their policy online. 

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Key features

Features included with Contents Insurance from RACQ include new-for-old cover for your belongings, your choice of excess and a 24/7 claims service.

When it comes which of your belongings are covered, RACQ has a long list of inclusions. A few items on the list include: clothing and bags, household appliances and electronics, furniture, carpets and curtains, jewellery and watches, sport equipment, and garden tools.

These items are insured against events like accidental breakage of glass, fire, lightning, storms (including storm surge), floods, earthquakes, tsunamis, leaks, riots and vandalism. If you’d like to be insured for accidental loss and damage – like if you trip and knock your brand new TV off the wall – then you can add that cover as an optional extra.

You can also add Advanced Cover to your policy for things you routinely take out of your home, like expensive jewellery, the cost of taking pets to the vet, or burnt out motors in electrical appliances.

Keep in mind there are some general exclusions. For example, damage done by a computer virus or normal ocean activity like king tides or erosion, as well as a few exclusions specific to certain events or items. Make sure you read your PDS carefully to know just what you’re covered for.

Now for the really good stuff: discounts. There are a whole bunch of ways to save on your RACQ contents insurance, including a $25 discount for buying your policy online, a 13% discount for combing contents with home insurance, and a 10% premium reduction for installing a 24/7 alarm system. You can also bag a lower premium if you’re a senior or live in an apartment.

When you buy an RACQ insurance policy, you also become an RACQ member, which comes with benefits including discounts on theme park and movie tickets and 24 hour domestic travel assistance.

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Who is it good for

Keep in mind that this is a Contents Insurance policy and doesn’t cover the structure of your house, so while it could be a great option for renters, homeowners might want to consider a combined Home and Contents insurance policy if they'd like protection for their building as well.

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Any catches

If you prefer to pay your premium by the month, you can do so, but there will be an extra charge to do this. You also aren’t protected against underinsurance with this policy, so it’s up to you to make sure you choose the appropriate level of cover for your needs.

One other tricky piece of fine print to be aware of is the cover for power surges. You’re covered for a power surge if it’s caused by lightning, but not if it’s caused by your electricity provider or problems with your power line – so read your PDS carefully!

Details

Rates and fees information correct as at 15 August 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 $300

  • Up to $1,500

  • Up to $5,000

  • Hardware yes, software up to $5,000 combined with CD's/DVD's

  • Up to $2,000

  • Yes - limits apply for carpets over 10 years old

  • Up to $1,000 per item

  • Up to $2,000 per item, up to $12,000 in total

  • Up to $2,000 per item, up to $6,000 in total

  • Up to $1,000

  • Up to $2,000

  • Up to $10,000

Other cover
  • Up to $5,000 for funeral

  • Optional Extra, up to $750

  • Up to $1,000

  • Up to 10% of sum insured

  • Up to 20% of sum insured combined with demolition cost

  • Up to 20% of sum insured combined with debris removal cost

  • Up to 14 days

Policy and service features
  • 60

  • $0

  • Alarm Discount, Apartment Discount, No Claim Discount, Roadside Assistance Discount, Seniors Discount , Over 55s Discount, Multi-policy Discount

  • Optional Extra - Up to $2,000 per item, up to $8,000 total

  • Up to 5% of sum insured

  • Up to $20,000,000

Events
  • Optional extra

  • Optional Extra, up to 10 years old

*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 RACQ home insurance rated by the Mozo community?

Overall customer rating
8.1/10
Value for money
7.6/10
Policy coverage
7.9/10
Customer service
8.2/10
Claims handling
7.5/10
Trust
7.8/10

Latest reviews of RACQ Contents Insurance

  • Overall 9/10
    Good value insurance with what you need included.

    As an RACQ roadside member with other policies, RACQ provides a fairly good rate on my home insurance. Always good to support local businesses.

    Read full review

    As an RACQ roadside member with other policies, RACQ provides a fairly good rate on my home insurance. Always good to support local businesses.

    Value for money
    9/10
    Policy coverage
    9/10
    Customer service
    -1/10
    Claims handling
    -1/10
    Trust
    9/10
    Less
    Vincent, Queensland reviewed 9 months ago
  • Overall 10/10
    RACQ pet insurance.

    I have recently claimed on my pet insurance. They were very helpful and paid the claim within two weeks.

    Read full review

    I have recently claimed on my pet insurance. They were very helpful and paid the claim within two weeks.

    Value for money
    10/10
    Policy coverage
    10/10
    Customer service
    10/10
    Claims handling
    10/10
    Trust
    10/10
    Less
    Rose, Queensland reviewed 9 months ago
  • Overall 8/10
    Competitive premiums

    Easy to deal with

    Read full review

    Easy to deal with

    Value for money
    8/10
    Policy coverage
    8/10
    Customer service
    8/10
    Claims handling
    8/10
    Trust
    8/10
    Less
    Peter, Queensland reviewed over 2 years ago
  • Overall 8/10
    Easy to complete, great customer service.

    Because of the speed of service and friendly staff.

    Read full review

    Because of the speed of service and friendly staff.

    Value for money
    6/10
    Policy coverage
    7/10
    Customer service
    8/10
    Claims handling
    5/10
    Trust
    8/10
    Less
    John, Queensland reviewed over 4 years ago
  • Overall 10/10
    Very easy to deal with.

    Never had any issues, always helpful.

    Read full review

    Never had any issues, always helpful.

    Value for money
    10/10
    Policy coverage
    10/10
    Customer service
    10/10
    Claims handling
    10/10
    Trust
    10/10
    Less
    Megan, Queensland reviewed over 4 years ago
RACQ

About RACQ

See RACQ home insurance