Classic, Vintage and Veteran Vehicle Insurance
We’re always looking for ways to help you protect your pride and joy.
Whether you’ve restored your car from the ground up or you own a rare vehicle, we have the cover to suit you.
We offer a range of benefits and discounts meaning you spend less on your insurance and more on your passion.
View our Motor Insurance PDS below for more information.
Why choose RACQ Insurance?
- Cover for accidental damage to your vehicle or other people’s property
- Choice of repairer
- Lifetime repair guarantee with our selected repairers
- Salvage rights in the event of a total loss
- No Claims Discount – up to 60% off depending on your driving history
- Loyalty discounts for RACQ members
- Pay by the Month - cut your annual bill into smaller, more manageable payments
Does your car qualify?
Our Classic, Vintage and Veteran Car Insurance is available for vehicles that qualify within a number of specific categories. Your vehicle must be registered under the Special Interest Vehicle Scheme managed by the Department of Transport and Main Roads. It should also one of the following:
- Classic and Historic Vehicle – at least 30 years old
- Vintage Vehicle – manufactured between 1 January 1919 and 31 December 1930
- Veteran Vehicle – manufactured before 1919
As well as providing cover for your special vehicle, we can also insure your ‘everyday’ car with our Comprehensive Car Insurance.
What you get with this policy
The benefits listed below are a summary only and limits may apply. Please refer to your PDS for full details, exclusions, and terms and conditions.
Cover for loss or damage to your vehicle
We will cover loss or damage to your vehicle in the event of any of the following: collision, weather events, fire, malicious act, theft or attempted theft.
Cover for damage to other people's property
We will pay up to $20 million in legal liability if your car causes damage to other people’s property.
If we deem your vehicle to be a total loss, you can retain salvage of the vehicle at no additional cost. The salvage amount will not be deducted from any amount we pay you.
Choice of repairer
The freedom to choose one of our Selected Repairers or a repairer of your choice. Lifetime repair guarantees do not apply to non-Selected Repairers.
Lifetime repair guarantee
We will guarantee the quality of authorised repairs completed by an RACQ Insurance Selected Repairer for as long as the vehicle is owned by you or your family.
Change of vehicle
If you sell your vehicle and replace it with a similar type, we will cover it for 14 days.
We will provide up to $500 for emergency repairs required to make your vehicle roadworthy after an event. For example you can get a tail light fixed and let us know when you claim.
Towing and storage costs
We pay the reasonable costs of towing and storage (up to $100 a day) of your vehicle after an accident or theft - up to 30 days.
Theft of vehicle keys
We will pay up to $750 to replace and recode stolen vehicle keys and locks.
Cover for personal property
We pay up to $500 (in total) for personal property belonging to you or a person who normally lives with you, if the property is inside your vehicle and is damaged during or after an event.
Save more with our discounts
We offer a great range of discounts that can significantly reduce the cost of insurance. You can qualify for more than one which saves you even more.
RACQ member loyalty discount
Are you an RACQ member? We’ll reward you with up to 15% discount on your car insurance depending on your level of membership.
If you have three or more insurance policies with RACQ you may be entitled to up to 5% off each eligible policy.
Combined insurance discount
Do you want to combine two or more comprehensive car insurance, caravan and trailer, or classic and unique car insurance policies with us? If so, we will reward you with an additional 13% off each eligible policy.
Call us for a quote
To ensure you have the right cover for your specific classic, vintage or veteran vehicle we need to have a chat with you.
Call 13 1905 and speak to one of our friendly staff for more information or a quote - seven days a week.