Cover you can trust to be there when you need it

You know why you need life and income protection – the reasons are all around you. But wouldn’t it be nice if someone offered simple, straight forward cover that had your best interests at heart? RACQ has partnered with AIA, one of Australia’s leading life insurance providers, to offer a range of Life and Income Protection products designed to deliver now and in the future. 

Apply today to benefit from: 

  • Comprehensive cover, with three policy types that can be tailored to suit your needs and budget
  • RACQ member rates, with an extra 5% off for joint policies and a 10% discount when you buy online
  • Bonus cover on some of our benefits that rewards your loyalty over time
  • Plus access to AIA Vitality, an award-winning health and wellness program that rewards you for living well.
Boy on a bike with training wheels while family walks the dog in the background

Life Insurance

Pays up to $1 million in the event of death or terminal illness, to help eliminate debt and protect your family’s future.

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  • You’re covered for death & terminal illness from $100,000 to $1 million
  • $15,000 advance payment on death for immediate expenses
  • Bonus cover on selected benefits increases your cover amount by 1% per year for the first 10 years
  • RACQ member rates
  • 5% discount for joint policies
  • Access to AIA Vitality, an award-winning health and wellness program

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Dad on laptop on the deck while Mum and daughter play in the background

Income Protection Insurance

Pays up to 75% of your income* if you can’t work because of an illness or accident, to help you keep up with your everyday bills and expenses.

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  • *You’re covered for up to 75% of your income to a maximum of $10,000 a month
  • Your income can be protected in the case of illness or accident
  • Your cover includes total disability, specific injury and death
  • Peace of mind with Premium Pause and Premium Waiver benefits
  • RACQ member rates
  • 5% discount for joint policies
  • Access to AIA Vitality, an award-winning health and wellness program

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Mum and Dad on the couch with their baby

Accident Insurance

Reduces the financial burden on your family by paying up to $1 million if you suffer a fatal accident, or up to $100,000 if you are seriously injured in an accident.

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  • You’re covered for Accidental Death from $150,000 to $1million
  • You’re covered for Accidental Serious Injury from $25,000 to $100,000
  • $15,000 advance payment on Accidental Death for immediate expenses
  • Bonus cover on selected benefits increases your cover amount by 1% per year for the first 10 years
  • RACQ member rates
  • 5% discount for joint policies
  • Access to AIA Vitality, an award-winning health and wellness program

read more


Mature Male and female couple sitting on park bench

Accident Plus Insurance

Specifically designed for individuals over 50, paying up to $150,000 if you suffer a fatal accident or up to $75,000 if you are seriously injured in an accident.

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  • You’re covered for Accidental Death from $50,000 to $150,000
  • You’re covered for Accidental Serious Injury from $25,000 to $75,000
  • Bonus cover on selected benefits increases your cover amount by 1% per year for the first 10 years
  • RACQ member rates
  • 5% discount for joint policies
  • Access to AIA Vitality, an award-winning health and wellness program

read more

AIA Vitality logo

Be rewarded with AIA VitalityAIA Vitality gives you the knowledge, tools and motivation to improve your health. You can also access discounts with a range of health and lifestyle providers. Available through the purchase of our Life, Income Protection or Accident Insurance policies.

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Disclaimer

The Life and Income Protection Insurance suite of products described on this website is distributed by RACQ Operations Pty Ltd ABN 80 009 663 414, Authorised Representative Number 234978 (RACQO), an authorised representative of AIA Financial Services Limited ABN 68 008 540 252, AFSL 231109 (AIAFS) and is issued by AIA Australia Limited ABN 79 004 837 861, AFSL 230043 (AIAA). RACQO is a distributor only; it does not sell, issue or guarantee these products.  AIAFS and other authorised representatives of AIAFS are also involved in distributing these products.  Descriptions of product benefits and features are a summary only. You should consider factors like your objectives, financial situation and needs and read the relevant Product Disclosure Statement (PDS) available on this website before deciding to acquire or continuing to hold any of these products.  The information on this website is general and does not take such factors into account so you should consider its appropriateness in the context of such factors.  Cover is subject to terms, conditions, limitations and exclusions.

AIA Vitality partners, benefits and rewards are subject to change at any time. For the most up-to-date information and to view the AIA Vitality Terms and Conditions see aiavitality.com.au. Partner terms and conditions may also apply.