RACQ Car Insurance

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RACQ is a provider of car insurance, motorcycle and fleet insurance, boat insurance, home & contents insurance, travel insurance, pet insurance, life and income protection insurance and more.

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

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What types of car insurance does RACQ offer?

RACQ offers Compulsory Third Party (CTP), Third Party Fire and Theft insurance, Third party Liability insurance and Comprehensive car insurance. It also offers other forms of motor vehicle insurance, such as:

  • Enthusiast car insurance
  • Motorcycle and enthusiast motorcycle insurance
  • Fleet and small business insurance
  • Caravan and trailer 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 different levels of cover, here’s our guide to the different kinds of car insurance.

How do you buy car insurance from RACQ?

You can purchase an RACQ car insurance policy online after comparing car insurance on the Canstar website. If you need help applying, call RACQ on 13 1905.

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How do you lodge a claim with RACQ?

You can lodge a claim with RACQ by visiting its claims page and calling 13 7202. Alternatively, you can visit an RACQ branch near you and supply the relevant information.

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

RACQ Car Insurance FAQs

Yes, RACQ allows you to choose between market value and agreed value sum insured 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.

For an additional cost, RACQ allows you to add the following optional benefits:

  • Excess-free windscreen or window glass claim
  • Hire car after an insured event for up to 14 days ($40 a day)

Extra premiums may apply.

Yes, RACQ allows you to nominate a higher or lower excess. This may affect the cost of your car insurance premium; 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 RACQ car insurance policy will automatically renew if you choose not to alter it after receiving your renewal notice. If RACQ offers to renew your policy, it will send you a renewal certificate before your policy expires.

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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By becoming an RACQ member, you can gain access to the following benefits and perks:

  • Up to 40% off selected movie tickets
  • 24/7 travel assistance with Aussie Assist
  • $50 off your comprehensive car insurance policy when you buy online
  • Combined policy discounts
  • Up to 60% off in no claims discounts
  • A 5% discount if you install a car alarm

The Royal Automobile Club of Queensland (RACQ) was originally founded over 100 years ago in 1904. In the early years, it was responsible for influencing legislation for speed limits and safety and helping the motor vehicle become an accepted part of day-to-day life in Queensland.

Nowadays, RACQ is known as ‘Queensland’s Largest Club’ and offers a number of other insurance products such as car, life and travel insurance. It has a vast rewards program for its members, which consists of anything from discounted movie tickets to hotel and flight deals.

It is completely member-owned and run, which means all profits go back into members’ pockets. RACQ is also proud to be a diverse and inclusive organisation that values the importance of diversity free from discrimination on the basis of gender, background, disability, sexual orientation or life stage.

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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RACQ Comprehensive

Canstar Research
Rating:
Award: 2 Star Rating Car Insurance

Comprehensive Car Insurance

RACQ Comprehensive

View the 2017 Car Insurance Star Ratings Report

Written by: William Jolly | Last updated: November 3, 2017