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RACQ Home & Contents Insurance

Fire
Yes
Theft or burglary
Yes
Flood
Yes
Storm
Yes
Building cover
Contents cover

Details

Rates and fees information correct as at 1 October 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.
Policy and service features
  • 60

  • No

  • Yes

  • $0

  • true

  • n/a

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

  • Yes

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

  • Up to 5% of sum insured

  • Up to $20,000,000

  • n/a

  • n/a

Events
  • Optional Extra

  • Yes

  • Yes

  • Yes

  • Yes

  • Yes

  • Yes

  • Optional Extra, up to 10 years old

  • No

  • Yes

  • Yes

  • Yes

  • Yes

  • Yes

  • Yes

  • Yes

Buildings
  • Yes

  • No

  • Up to $1,000 for plants

  • Yes - Up to 50% of the total cost, up to 2km

Contents
  • Up to $300

  • Up to $1,500

  • Up to $5,000

  • Hardware yes, software up to $5,000 combined with CDs/DVDs

  • 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

  • No

  • Up to $1,000

  • No

  • Yes

  • Up to $2,000

  • Optional Extra - Up to $20,000

  • Up to $10,000

Other cover
  • Up to $5,000 for funeral

  • Optional Extra, up to $750

  • Up to $1,000

  • Up to 12 months, up to 10% of sum insured

  • No

  • 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

  • No

  • Up to 14 days

  • 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 RACQ home insurance rated by the Mozo community?

Overall
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
7.9/10

Latest reviews of RACQ Home & Contents Insurance

  • Overall 6/10
    Fair for a fair industry.

    Slow with claims but the rest is fair.

    Read full review

    Slow with claims but the rest is fair.

    Value for money
    8/10
    Policy coverage
    9/10
    Customer service
    6/10
    Claims handling
    5/10
    Trust
    6/10
    Less
    Gary, Queensland reviewed 5 months ago
  • Overall 10/10
    The RACQ Group have great customer service overall

    Great rates and excellent claims procedure. I had a claim for my hearing aids last year and it was handled efficiently, easily, quickly and professionally and my premium did not go up.

    Read full review

    Great rates and excellent claims procedure. I had a claim for my hearing aids last year and it was handled efficiently, easily, quickly and professionally and my premium did not go up.

    Value for money
    10/10
    Policy coverage
    10/10
    Customer service
    10/10
    Claims handling
    10/10
    Trust
    10/10
    Less
    Grant, Queensland reviewed 8 months ago
  • Overall 10/10
    Gives 15 % discount.

    Have been with for a few years. After the 2011 floods Suncorp put my rates up and I do not live near the river.

    Read full review

    Have been with for a few years. After the 2011 floods Suncorp put my rates up and I do not live near the river.

    Value for money
    10/10
    Policy coverage
    10/10
    Customer service
    7/10
    Claims handling
    -1/10
    Trust
    8/10
    Less
    Gary, Queensland reviewed 10 months ago
  • Overall 5/10
    Competitive first year then ridiculous increase.

    Our renewal premium increased by $600 or about 30%. Didn't make any claims. We are not in flood area. They couldn't explain the price hike to me.

    Read full review

    Our renewal premium increased by $600 or about 30%. Didn't make any claims. We are not in flood area. They couldn't explain the price hike to me.

    Value for money
    4/10
    Policy coverage
    4/10
    Customer service
    10/10
    Claims handling
    -1/10
    Trust
    5/10
    Less
    Gary, Queensland reviewed 11 months ago
  • Overall 2/10
    Not impressed

    Had a shocking experience with a claim. Also unsatisfactory settlement, RACQ squirmed out of payment.

    Read full review

    Had a shocking experience with a claim. Also unsatisfactory settlement, RACQ squirmed out of payment.

    Value for money
    8/10
    Policy coverage
    5/10
    Customer service
    4/10
    Claims handling
    1/10
    Trust
    1/10
    Less
    Linda, Queensland reviewed over 2 years ago
RACQ

About RACQ

See RACQ home insurance