When you own a home, car and other assets the bills can certainly pile up. That’s why we’ve made it our mission to help you save.
At RACQ, we offer a range of top discounts to reduce the cost of your insurance. You can qualify for more than one discount – saving you even more.
We also offer you flexibility with your premium through our Voluntary Excess options. By simply selecting a higher excess you can save on your premium or select a lower excess and save at claim time.
Are you an RACQ member?
We think you should be rewarded for your loyalty. Our member discounts range between 2.5% to a generous 17.5% depending on your membership level.
At RACQ, we value your loyalty. That’s why we offer discounts based on your membership level or the number of policies you have with us.
Membership Loyalty Discounts
The longer you’ve been a member of RACQ the greater discount you receive. It’s one of the easiest savings you’ll ever make.
What colour is your card?
|Comprehensive Car Insurance||5% discount||7.5% discount||10% discount||12.5% discount||15% discount|
|Other Motor Vehicle Insurance||2.5% discount||5% discount||10% discount||12.5% discount||15% discount|
|Home and Contents Insurance||2.5% discount||7.5% discount||10% discount||12.5% discount||17.5% discount|
|CTP Insurance||Save $10 off your Roadside Assistance annual Membership fee*|
|Caravan and Trailer Insurance||2.5% discount||5% discount||10% discount||12.5% discount||15% discount|
|Boat Insurance||2.5% discount||7.5% discount||10% discount||12.5% discount||17.5% discount|
*CTP Membership Discount Offer Conditions
Save up to 13% off each of your eligible premiums by combining any of the following RACQ policies together.
|Comprehensive Car Insurance||+||Comprehensive Car Insurance|
|Comprehensive Car Insurance||+||Third Party Liability, or Motor Fire, Theft and Third Party Insurance|
|Comprehensive Car Insurance||+||Caravan and Trailer Insurance|
|Third Party Liability, or Motor Fire, Theft and Third Party Insurance||+||Caravan and Trailer Insurance|
|Comprehensive Car Insurance||+||Classic and Unique Car Insurance|
|Classic and Unique Car Insurance||+||Caravan and Trailer Insurance|
|Classic and Unique Car Insurance||+||Third Party Liability, or Motor Fire, Theft and Third Party Insurance|
|Home Insurance||+||Contents Insurance|
Do you have at least 3 policies with us? We’ll reward you with up to an additional 5% off each of your eligible policies.
It's easy to qualify. Just have three or more of the below insurance policies with us, in any combination, to save even more.
|Comprehensive Car Insurance||Third Party Liability or Motor Fire, Theft and Third Party Insurance|
|Classic Car Insurance||Comprehensive Motorcycle Insurance|
|Home Insurance||Contents Insurance|
|Caravan and Trailer Insurance||Boat Insurance|
At RACQ, we reward good driving.
Our Driver Excellence Bonus is designed to reward your exceptional driving history. You can also earn a Rating 1 for Life, and save with our No Claims Discounts.
Driver Excellence Bonus
Our Driver Excellence Bonus rewards your exceptional driving history. If you are over 25 years of age you could qualify for one of two discount levels:
- 5% discount if you hold a Rate 1 on a Comprehensive Car Insurance policy continuously for five to nine years.
- 10% discount if you hold a ‘Rate 1’ for 10 years or more.
No Claim Discounts
Save up to 60% on your Comprehensive Car Insurance policy as reward for a claims free record.
If you have our Third Party Liability, or Fire, Theft and Third Party Insurance then we will recognise your driving history when you upgrade to Comprehensive protection. You’ll be awarded the equivalent rating based on your history with us.
|Home and Contents Insurance||Save up to 7% off your annual premium.|
|Caravan and Trailer Insurance||Save up to 60% off your Caravan and Trailer Insurance.|
|Boat Insurance||Enjoy 25% off your Boat Insurance premium.|
If you’ve held a rating 1 for one year with any insurer, and have not made any at fault claims in that time you will be rewarded with our Rating-1-for-Life. That means we will not reduce your No Claim Discount if you make an at fault claim. However claims may affect the terms of your next policy, on renewal.
You haven’t held insurance in the last 12 months? That’s ok! We’ll still recognise your driving history. If you are eligible we will still reward you with our Rating-1-for-Life.
Added security to protect your belongings is always a smart choice. So when you insure with us, you will get discounts for things like installing a car alarm or a back-to-base home alarm.
Save 10% on your contents premium for having a back-to-base alarm installed, which is monitored 24/7 by a monitoring facility.
Being mature can be very rewarding. At RACQ, we provide generous discounts to over 55's and Seniors Card holders.
Over 55’s discount
We are delighted to help our customers who are over 55 years old save even more:
- 10% for owner – occupied buildings policy holders; and
- 15% for owner-occupiers and renters on their contents policy.
* At least one nominated insured must be aged 55 yrs or over. Not available for Landlords.
If you have a government issued Seniors Card and have your home insured with us, you can also save on your premium.
As a Seniors Cardholder you save 15% on your Home Insurance and an impressive 25% on your Contents Insurance.
* Not available for Landlords. Only one age discount can be applied to a policy (i.e. the Seniors Card Holder or Over 55).
We offer flexibility and savings by presenting a range of excesses on most of our policies. If you pick a non-standard excess, the amount you save on your premium changes.
You can choose to increase the excess on your Car or Household Insurance to reduce your premium now. Or, decease your excess and save at claim time by paying a slightly higher premium.
For example: Mr. Johnson, an RACQ Silver Member, lowered his premium by over $130* by selecting a higher, $1500 excess.
*based on a 2008 Toyota Camry Altise Auto Sedan in Springwood Qld. Rate 1 driver 46yrs old.