RACT Car Insurance

RACT (The Royal Automobile Club of Tasmania) is a provider of car insurance, home & contents insurance, travel insurance and car loans.

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

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What types of car insurance does RACT offer?

RACT offers Compulsory Third Party Damage insurance and Comprehensive car insurance. RACT also offers Collectors Car Insurance, which gives specialised cover for your collectors car for things like wedding or event jobs.

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.

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What additional features does RACT offer on its car insurance products?

RACT allows you to add the following two benefits as optional cover:

  1. A hire car when your car has been accidentally damaged (for up to 14 days)
  2. Nil windscreen excess; you can remove the excess on windscreen/window glass claims

Extra premiums may apply.

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How do you lodge a claim with RACT?

You can lodge a claim with RACT by calling 13 27 22. Call as soon as possible if your car has been damaged, stolen or has caused damage to another person’s property. RACT may refuse a claim and cancel your policy if you:

  • Do not fully co-operate
  • Are not truthful or accurate in your statements
  • The driver of your car at the time was not licensed or was under the influence of drugs or alcohol

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

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What discounts does RACT offer on car insurance?

If you combine all your insurance policies with RACT into one package, all of your policies will fall due at the same time and will be eligible for lower premiums. You can also qualify for a no claims discount for each consecutive year that you do not make a claim.

Yes, RACT allows you to choose between market value and 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.

You can purchase a RACT car insurance policy online after comparing car insurance on the Canstar website. If you need help applying, call RACT on 13 27 22.

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Yes, RACT 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 RACT car insurance policy will automatically renew if you choose not to alter it after receiving your renewal notice. You will receive a renewal notice at least 14 days before the end of your current period of insurance asking whether you will choose to renew.

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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The Royal Automobile Club of Tasmania was established in 1923 to better meet the needs of Tasmanian motorists. In total, RACT has over 184,000 members, 1,200 of which have been with it for 50 years or more.

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Comprehensive Car Insurance

Canstar Research
Rating:
Award: Outstanding Value Car Insurance

Comprehensive

30-39 year olds

2017 Star Ratings Report

Written by: William Jolly | Last updated: