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Loyalty Rewards

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RACQ Insurance rewards RACQ Members for their loyalty. There are also Combined Policy discounts and Multi-policy discounts available. Discounts range between 2.5% to a generous 17.5%!

Membership Loyalty Discounts

RACQ Insurance rewards RACQ Members for their loyalty. Discounts available range between 2.5% to a generous 17.5%, so the longer you stay a member of RACQ the less you pay on your insurance. It’s one of the easiest savings you’ll ever make.


	0-4 years	5-9 years	10-24 years	25-49 years	50+ years
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 & 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 & 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

Combined Discounts

By combining any of the following policies together you can save up to an additional 13% off each of your eligible annual insurance premiums.

Comprehensive Car	+	Comprehensive Car
Comprehensive Car	+	Third Party Car or Fire, Theft and Third Party Car
Comprehensive Car	+	Caravan/Trailer
Third Party Car or Fire Theft and Third Party Car	+	Caravan/Trailer
Comprehensive Car	+	Classic and Unique Car
Classic and Unique Car	+	Caravan/Trailer
Classic and Unique Car	+	Third Party Car or Fire, Theft and Third Party Car
Home Buildings	+	Home Contents

Multi-policy Discounts

If you have 3 or more qualifying insurance policies currently with RACQ Insurance we will reward you up to an additional 5% off each of your eligible policies.

It's easy to qualify, just have 3 or more of the below policies in any combination with RACQ Insurance and you can save even more on your insurance.

Comprehensive Car	Third Party Car or Fire Theft and Third Party
Classic Car	Motorcycle
Building	Contents
Caravan/Trailer	Boat

No Claim Discounts

No Claim Discounts. Save up to a maximum 60% on your comprehensive car insurance policy as reward for a claims free record.

Car Insurance	Save up to a maximum 60% on your comprehensive car insurance policy as reward for a claims free record.If you have Third Party, or Fire, Theft & Third Party Insurance with RACQ Insurance then we will recognise your driving history and when you upgrade your cover to Comprehensive protection you’ll be rewarded the equivalent rating based on your history with RACQ Insurance.
Home and Contents Insurance	Save up to 7% on home & contents premium if you have not claimed in the last 12 months.
Caravan and Trailer Insurance	Receive up to a maximum 60% no claim discount off your Caravan or Trailer insurance as a reward for a claims free record.
Boat Insurance	Save up to a maximum 25% off your boat insurance premium as reward for a claims free record.

Good Drivers Rewards

RACQ Insurance’s Driver Excellence Bonus is specially designed to reward your exceptional driving history. Also if you have held a rating 1 for one year with any insurer and not had a claim in that time you will be rewarded with Rating 1 for Life.

RACQ Driver Excellence Bonus

RACQ Insurance’s Driver Excellence Bonus is specially designed to reward your exceptional driving history. If you are over 25 years of age you could qualify for one of two discount levels:

Hold a ‘Rate 1’ on a Comprehensive Car insurance continuously for 5-9 years and earn a 5% discount;
Hold a ‘Rate 1’ for 10 years or more and earn a generous 10% discount.

Even if you haven’t continuously held Comprehensive Car insurance you can still be eligible for these added savings. If you have an equally excellent driving record because at RACQ we believe good drivers like you should be rewarded, it’s just another example of Queenslanders looking after Queenslanders.

Rating-1-for-Life

If you’ve held a rating 1 for one year with any insurer and have not had an at fault claim in that time you will be rewarded with a RACQ Insurance Rating-1-for-Life at no extra cost.

Haven’t previously held insurance in the last 12 months? Well, not to worry because RACQ will still recognise your great driving history and if you are eligible we will still reward you with our Rating-1-for-Life at no extra cost.

Incentives for Added Security

When you are with RACQ Insurance you receive added incentives for ensuring your security like installing a car alarm or a back to base home alarm.

Car Alarm

Save up to 5% extra off your comprehensive car or fire, theft and third party car insurance when you have an after market alarm with engine immobiliser installed.

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.

Rewards for Your Maturity

With RACQ Insurance, over 55's receive generous discounts and Senior Card holders may also be eligible for discounts - being mature can be very rewarding.

Over 55’s discount

At RACQ Insurance, we are delighted to provide our over 55 customers with generous discounts:

A 10% saving is available to owner – occupied buildings policy holders; and
A 15% premium discount is available to owner-occupiers and renters on their contents policy.

* At least one nominated insured must be aged 55 yrs or over. Not available for Landlords.

Seniors Discounts

If you have a government issued Seniors Card and have your home insured with RACQ then being mature can be very rewarding. Our Senior Cardholder customers may be eligible for a 15% saving on their Building Insurance and an impressive 25% saving on their Content Insurance. It’s just a couple of ways to help make life that little bit more rewarding for you.

* Not available for Landlords. The Seniors Card Holder Discount does not apply in addition to the existing age discount.

Reduce your premiums to save even more

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Choose to increase your excess on your Car or Home Insurance with RACQ Insurance and reduce your premiums - saving you more money.

Car Insurance Voluntary Excess

Tell us how much you want to pay for your Comprehensive Car insurance by choosing a higher excess. You have the choice between $600, $750, $1,000, $1,500 or a $2,000 excess with the level of savings growing more and more as the excess increases.

Take the example of Mr. Johnson, an RACQ Silver Member from Springwood. He lowered his premium by over $130* simply by selecting a $1,500 excess. Mr. Johnson says the savings he’s made will be going towards the North Queensland getaway he’s been looking forward to.
And Miss. Stanham, an under 25 driver from Mudgeeraba saved herself more than $300** by electing a $2,000 excess with her insurance on her new Suzuki Swift. She is happy to report her insurance savings are helping her grow a nice little handbag collection.

Find out how much you can save with RACQ’s Voluntary Excess.

*based on a 2008 Toyota Camry Altise Auto Sedan in Springwood Qld. Rate 1 driver 46yrs old.
**based on a 2005 Suzuki Swift S EZ Manual Hatchback in Mudgeeraba Qld. Rate 3 driver, 20 years old.

Home Voluntary Excess

Tell us how much you want to pay for your Home and Contents insurance by choosing an excess. The higher the excess that greater the savings that can be made. If you’re looking to save simply choose either a $500, $750 or $1,000 excess.

But if you want to save at claim time, you can also lower your excess for a little extra premium. To reduce your excess you can choose $200, $150 or even a $0 excess.