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Car Insurance

When it comes to finding the best car and motor insurance in Queensland, you needn't look further than RACQ Insurance.  We'll help you insure your car at a competitive price and always with our famous friendly service.

Our car insurance products include:

 

Protecting your car with RACQ car insurance provides you with a range of additional benefits and discounts that offer you significant savings.

With RACQ car insurance you have choice, value for money and flexibility.  As a long established Queensland Insurance Company with an extensive network of branches and agents you're never far from a friendly helping hand.

Comprehensive Car Insurance

Comprehensive Car Insurance

RACQ Comprehensive Motor Vehicle Insurance provides you with protection if your car is damaged, and when you may have caused damage to other people's property.

Discounts:

  • We reward RACQ Members with up to 15% discount on their car insurance.
  • Our Multi-policy discount rewards your loyalty when you have more than 3 policies with RACQ Insurance.
  • RACQ Insurance recognises your good driving history by giving you a No Claim Discount of up to 60% plus a Driver Excellence Bonus of up to 10%.
  • When you combine your caravan or trailer with your car insurance with us, we award you with a Combined insurance discount.
  • Save up to 5% when you have an after market alarm or engine immobiliser installed with our generous Car Alarm discount.

Find out more about RACQ Insurance's premium discounts to see if you are eligible. 

 

Benefits:

  • We guarantee the quality of repairs completed by our Selected Repairers for as long as you or your family own the car with our Lifetime Repair Guarantee.
  • Keep yourself mobile after an accident, simply add RACQ's hire car option and you will be mobile even if your car's not...and it's free when you are a Gold or Gold 50 Member.
  • RACQ Insurance offers you Choice of Repairer so you have the freedom to choose who repairs your car.
  • Aussie Assist is one of the major unique advantages of taking RACQ comprehensive car insurance.  We can help you out with almost anything that might go wrong while you are travelling in Australia.  You don't even have to be using your car to take advantage of it.
  • Choose your own premium with RACQ Voluntary Excess.  Simply select a higher excess to reduce the premium you pay.  Get a quote today and see how much you can save with RACQ Motor Insurance.
  • For a small extra premium we will repair or replace your windscreen damage with no excess payable with RACQ Insurance's Excess Free Windscreen option.
  • Cut your bills into more manageable payments with RACQ Pay By The Month.

Third Party Insurance

Third Party Insurance

Third Party Insurance is a basic yet essential cover designed to cover you against the cost of damage to another person's property.

Discounts:

  • We reward RACQ Members with up to 15% discount on their third party liability car insurance.
  • Our Multi-policy discount rewards your loyalty when you have more than 3 policies with RACQ Insurance.
  • When you combine your caravan or trailer with your car insurance with us, we reward you with a Combined Insurance Discount.

Find out more about RACQ Insurance's premium discounts to see if you are eligible.

Benefits:

  • We reward your driving experience by recognising your years of Third Party Car insurance and reward you with the equivalent No Claim Discount should you upgrade to Comprehensive.
  • RACQ's Uninsured Third Party Insurance covers damage to your car for up to $5000 in the event of an accident where another uninsured driver is at fault.
  • We guarantee the quality of repairs completed under the uninsured third party car insurance benefit for as long as you or your family own the car with our Lifetime Repair Guarantee.
  • With RACQ Insurance you are covered up to $20,000,000 Legal Liability Insurance to protect you against the cost of any accidental damage to another person's property.
  • Cut your bills into more manageable payments with RACQ Pay By The Month.

Think you might need a little more protection...check out RACQ Insurance's Fire and Theft cover and protect your car from loss or damage as a result of a fire or theft incident.

Fire, Theft & Third Party Insurance

Fire, Theft & Third Party Insurance

Fire, Theft & Third Party Insurance - protect yourself with RACQ's Fire, Theft & Third Party Insurance against the cost of damage to other people's property up to $20 million plus cover for loss or damage to your vehicle if it is stolen or accidentally damaged by fire.

Discounts:

  • We reward RACQ Members with up to 15% discount on their Fire, Theft & Third Party Liability Car Insurance.
  • Our Multi-policy discount rewards your loyalty when you have more than 3 policies with RACQ Insurance.
  • When you combine another car or your caravan or trailer with your RACQ Fire, Theft & Third Party Liability Car Insurance, we reward you with a Combined Insurance Discount.

Find out more about RACQ Insurance's premium discounts to see if you are eligible.

Benefits:

  • We reward your driving experience by recognising your years of Fire, Theft & Third Party Liability Car Insurance and reward you with the equivalent No Claim Discount should you upgrade to comprehensive car insurance.
  • RACQ's Uninsured Fire, Theft & Third Party Liability benefit covers damage to your car for up to $5,000 in the event of an accident where another uninsured driver is at fault.
  • We guarantee the quality of repairs completed under the uninsured fire, theft & third party car insurance benefit for as long as you or your family own the car with our Lifetime Repair Guarantee.
  • With RACQ Fire, Theft & Third Party Liability Car Insurance you are covered up to $20,000,000 Legal Liability Insurance to protect you against the cost of any accidental damage to another person's property.
  • Cut your RACQ Fire, Theft & Third Party Liability Car Insurance premiums into more manageable payments with RACQ Pay By The Month.

 

Think you might need a little more protection...check out RACQ Insurance's Comprehensive Car cover to get complete protection for your car.

Classic & Unique Car Insurance

Classic & Unique Vehicles Insurance

Classic & Unique Car Insurance. At RACQ Insurance we're always looking for ways to help protect you and your car. That's why we offer insurance cover for car enthusiasts, so protect your classic, vintage, veteran or unique car with RACQ Insurance.

Discounts:

  • We reward RACQ Members with up to 15% discount on their classic and unique car insurance.
  • Our Multi-policy discount rewards your loyalty when you have more than 3 policies with RACQ Insurance.
  • RACQ insurance recognises your good driving history by giving you a No Claim Discount of up to 60% off your unique car insurance premium .

Find out more about RACQ Insurance’s premium discounts to see if you are eligible

Unique Car Insurance:

Our Unique Car Insurance is as individual as you and your car.  We specialise in modified, grey imports, luxury and performance cars because we care about the fact that you care for your car.

  • We guarantee the quality of repairs completed by our Selected Repairers for as long as you or your family own the car with our Lifetime Repair Guarantee.
  • We keep you on the road by providing you with a free hire car for up to 14 days if your car is stolen.
  • RACQ Insurance’s Finance Gap Protection will pay 50% of the difference between your outstanding loan balance and agreed value if your car is determined a total loss and the amount you owe on your car is more than your car’s agreed value.
  • Aussie Assist is one of the major unique advantages of taking RACQ Unique Car Insurance.  We can help you out with almost anything that might go wrong while you are travelling in Australia.  You don’t even have to be using your car to take advantage of it.
  • Choose your own premium with RACQ Voluntary Excess. Simply select a higher excess to reduce the premium you pay.  Get a quote today and see how much you can save with RACQ Unique Car Insurance.
  • Your car is covered whilst participating in an approved driver training course.
  • RACQ Insurance offers you a Choice of Repairer so you have the freedom to choose who repairs your modified, grey imports, luxury or performance car.
  • If your car is over 25 years of age and determined a total loss, you are entitled to Salvage Rights so the salvage remains your property and will not be deducted from any insurance pay out.

Classic, Vintage & Veteran Car Insurance:

At RACQ Insurance we’re always looking for ways to help protect you and your car. That’s why we offer cover for car enthusiasts.  We offer you the choice to cover your classic, historic, vintage or veteran car on your RACQ insurance policy.

  • We guarantee the quality of repairs completed by our Selected Repairers for as long as you or your family own the car with our Lifetime Repair Guarantee.
  • You are entitled to Salvage Rights of your veteran, vintage or classic car if it is determined a total loss, so the salvage remains your property and will not be deducted from any insurance pay out.
  • RACQ Insurance offers you a Choice of Repairer so you have the freedom to choose who repairs your veteran, vintage or classic car.
  • With RACQ Insurance you are covered up to $20,000,000 Legal Liability Insurance to protect you against the cost of accidental damage to another person’s property.

 

Motorcycle Insurance

Motorcycle Insurance

Motorcycle Insurance. RACQ's comprehensive motorcycle insurance provides you with complete protection for your motorbike or scooter and for when you may have caused any damage to other people's property.

Discounts:

  • We reward RACQ Members with up to 15% discount on their motorcycle insurance.
  • Our Multi-policy discount rewards your loyalty when you have more than 3 policies with RACQ Insurance.
  • RACQ Insurance recognises your good riding history by giving you a No Claim Discount of up to 20% off your motor bike insurance premium.
  • When you combine your car and motorcycle insurance with us we award you with a Combined insurance discount.

Find out more about RACQ Insurance’s premium discounts to see if you are eligible.

Benefits:

  • We guarantee the quality of repairs completed by our Selected Repairers for as long as you or your family own the motorcycle with our Lifetime Repair Guarantee.
  • RACQ Motorcycle Insurance offers you a Choice of Repairer so you have the freedom to choose who repairs your motorcycle.
  • Choose your own premium with RACQ Voluntary Excess. Simply select a higher excess to reduce the premium you pay. Get a quote today and see how much you can save with RACQ Insurance.
  • Cut your RACQ Motorcycle Insurance premiums into more manageable payments with RACQ Pay By The Month.

Fleet & Small Business Car Insurance

Fleet & Small Business Vehicle Insurance

Fleet & Small Business Vehicle Insurance. At RACQ Insurance we provide fleet insurance for small businesses. Our comprehensive fleet insurance offers full protection if your cars are damaged and when you may have caused damage to other people's property.

Benefits:

  • We guarantee the quality of repairs completed by our Selected Repairers for as long as you own the car with our Lifetime Repair Guarantee.
  • Keep yourself mobile after an accident, simply add RACQ’s hire car option and you will be mobile even if your car’s not.
  • RACQ Insurance offers you a Choice of Repairer so you have the freedom to choose who repairs your fleet cars.
  • Aussie Assist is one of the major unique advantages of taking RACQ comprehensive car insurance.  We can help you out with almost anything that might go wrong while you are travelling in Australia.  You don’t even have to be using your car to take advantage of it.
  • Choose your own premium with RACQ Voluntary Excess. Simply select a higher excess to reduce the premium you pay.  Get a quote today and see how much you can save with RACQ motor fleet Insurance.
  • For a small extra premium we will repair or replace your windscreen damage with no excess payable with RACQ Insurance’s Excess Free Windscreen option.

Compare My Options

Comprehensive Motor Vehicle Insurance not only covers your car for accidental damage, theft and fire. We also give you $20 million liability cover for damage you may cause to someone else's car or property.

  Comprehensive Third Party Fire, Theft & Third Party Unique Vehicle
Aussie Assist Yes No No Yes
Child seats Yes No No Yes
Choice of repairer Yes No No Yes
Damage to your box trailer or caravan Yes No No Yes
Driver Training Participation No No No Yes
Emergency repairs Yes Yes * Yes * ^ Yes
Finance Gap Protection No No No Yes
Free hire car -theft Yes No No Yes
Lifetime guarantee Yes No Yes * ^ Yes
Loss or damage to others’ property Yes Yes Yes Yes
Loss or damage
to your car		 Yes No Yes* ^ Yes
New Car Replacement Yes No No Yes
Personal Property Yes No No Yes
Salvage Rights No No No Yes
Theft of car keys Yes No No Yes
Towing and storage costs Yes Yes* Yes* ^ Yes
Uninsured Third Party Insurance No Yes Yes No
 

Notes:

Please refer to PDS for further details.

* Caused by Fire and Theft
^ As a result of a claim under Uninsured Third Party lnsurance

Insurance products are issued by RACQ Insurance Limited - ABN 50 009 704 152. Contact our branches, agencies or phone 13 1905 to obtain a copy of the relevant Product Disclosure Statement. Please read the Product Disclosure Statement before you make any decision regarding this product.