RAC Car Insurance

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RAC is a Western Australian provider of car insurance, home insurance, life and health insurance, pet insurance and various other forms of motor vehicle insurance.

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See below for a snapshot of RAC’s car insurance products on offer for a 30-39 year old male living in Western Australia who does not require an extra driver under 25.

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What types of car insurance does RAC offer?

RAC offers Third Party Fire & Theft, Third Party Property Damage and Comprehensive car insurance. RAC also offers various other forms of motor vehicle insurance such as:

  • Motorcycle insurance
  • Caravan insurance
  • Boat insurance

If you’re unsure as to which kind of car insurance is most appropriate for you, or don’t understand the differences between the various levels of cover, here’s our guide to the different kinds of car insurance.

How do you buy car insurance from RAC?

You can purchase an RAC car insurance policy online after comparing car insurance on the Canstar website. If you need help applying, call RAC on 13 17 03.

How do you lodge a claim with RAC?

You can lodge a claim with RAC by visiting its claims homepage or by calling RAC on 13 17 03. When making a claim, you must promptly provide RAC with full details of the incident that led to your claim, such as:

  • Contact details of anyone involved
  • Registration numbers of both vehicles
  • Insurance information

Here’s our guide to navigating the car insurance claims process.

RAC Car Insurance FAQs

Yes RAC allows you to choose market value or agreed value for your vehicle. If you’re not sure which one would be best for your vehicle, read our article explaining the difference between market value and agreed value.

RAC allows you to add a few optional extras to your policies:

  • A hire car after fire or theft for all three policy types
  • Windscreen & window glass cover under comprehensive car insurance
  • A no claims bonus discount under comprehensive car insurance

By applying online, you can also qualify for a discount of up to $100. Extra premiums may apply to optional extras cover.

Yes, RAC allows you to nominate a higher or lower excess. This may affect the cost of your car insurance premiums; a higher excess will typically result in a lower premium, while a lower excess will typically result in a higher premium. Find out more about car insurance excesses here.

Your RAC car insurance policy will automatically renew if you choose not to alter it after receiving your renewal notice. RAC will tell you if it plans to renew your policy and will send you details of your renewal premium about 14 days before your existing policy expires. If you don’t want to renew your car insurance policy with RAC, you must let it know before the renewal date.

If you’re not sure whether to renew or switch, here’s our guide to choosing, and if you do decide to switch car insurance policies, here’s how you do so.

Make sure you compare car insurance policies before simply renewing the same policy, so that you continue to get outstanding value insurance at a great price:

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RAC was formed by a group of motoring enthusiasts all the way back in 1905 – more than 100 years ago. RAC is 100% local to WA, and offers its financial services and products to about 900,000 members.

RAC covers the largest geographical area of any automotive club in the world, and is a firm advocate for safer and more innovative roads in the state. RAC’s vision is to build Australia’s first electric highway by the year 2020, and it sponsors two emergency rescue helicopters to help Western Australians.

The table below displays a snapshot of comprehensive car insurance policies on our database that at the time of writing offer a no claim bonus that isn’t always impacted by hail and flood damage or theft claims. Please note the results are based on a 30-39 year old male who lives in New South Wales and does not require an extra driver under 25 (with link to provider’s website, ordered by Star Rating), so some products may not be available to you. Remember to read the PDS carefully to understand each insurer’s policy on their no claims bonus.

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Written by: William Jolly | Last updated: November 24, 2017