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We don’t apply any premium discounts to any government statutory charges such as GST and Stamp Duty nor to the portion of your premium which relates to payment frequency. Discounts may also not apply to the portion of your premium associated with optional benefits or your decision to adjust your excess amount. Read the applicable PDS and SPDS for further information regarding RACQ’s insurance discounts.

We know you’re always on the lookout for better value insurance, which is why we’re always looking for ways to help our members save. We offer discounts for buying online, purchasing multiple policies, being excellent drivers, and more. So, whether you’re thinking about switching to RACQ Insurance, or you're already a policyholder, check out our full range of insurance discounts to start saving.

Online insurance discounts

 Insurance type  Online discount*
 Comprehensive Car Insurance  $50
 Home and Contents Insurance  $75
 Home Insurance  $50
 Contents Insurance  $25
 Contents Insurance for renters  $25
 Pet Insurance  $50** per pet
 Life Insurance  10%
 Income Protection Insurance  10%

*Excludes pay later option.
** Maximum of 4 pets/$200 discount per policy.

Combined discounts

If you...  You get... 
combine your Home Insurance and Contents Insurance for the same owner-occupied property
up to 13% discount on Home and Contents Insurance

have two or more of the following motor vehicle coverages - in any combination on the one policy:*

• Comprehensive Car Insurance
• Fire, Theft and Third Party Liability Car Insurance
• Third Party Liability Car Insurance
• Comprehensive Motorcycle Insurance
• Caravan and Trailer Insurance

up to 5% discount
have both an RACQ Life Insurance policy and an eligible AIA Health Insurance policy. a 5% discount on your Life Insurance premium
purchase a joint Life Insurance policy for you and your partner. a 5% discount on Life Insurance
purchase a joint Income Protection Insurance policy for you and your partner. a 5% discount on Income Protection Insurance.

*Excludes golf buggies, motorised mobility vehicles or wheelchairs.

Multi policy discounts

If you...  You get... 
have three or more of the following policies:

• Comprehensive Car Insurance
• Fire, Theft and Third Party Liability Car Insurance
• Third Party Liability Car Insurance
• Motorcycle Insurance
• Caravan and Trailer Insurance
• Home and/or Contents Insurance
• Pet Insurance
• Boat Insurance
up to 5% discount off each of your qualifying policies

Multi pet discount*

up to 5% off per pet when 2 or more pets are insured with us

*Excludes pet cover option under Contents Insurance.

Roadside assistance loyalty discounts: Insurance

The longer you've been a member of RACQ, and have Roadside Assistance, the higher your discount: 

Discounts are available to members with RACQ Roadside Assistance  membership-card-blue-93x59  membership-card-bronze-93x59  membership-card-silver-93x59  membership-card-gold-93x59
 membership-card-gold50-93x59  
Comprehensive Car Insurance* 5% 7.5% 10% discount plus Hire car after an event at no extra cost** 12.5% discount plus No claim discount protection^ and Hire car after an event at no extra cost** 17.5% discount plus No claim discount protection^ and Hire car after an event at no extra cost**
Fire, Theft & Third Party Liability and Third Party Liability Insurance*^^ 2.5% 5%
10% 12.5
17.5%
Comprehensive Motorcycle Insurance*^^ 2.5%
5%
Caravan and Trailer Insurance*
2.5%
5%
Home and Contents Insurance*
2.5%
7.5%
Pet Insurance*
2.5% 7.5%
Boat Insurance* 2.5% 7.5%

*Loyalty benefits do not apply to business members. Refer to the pages 19-23 of the Welcome to RACQ brochure for full terms and conditions.

**Incidental costs associated to hire car e.g., petrol, will still apply.

^Only applies to your first at fault claim during the period of insurance. Conditions apply for Rating 1 no claim discount protection.

^^Excludes Compulsory Third Party (CTP) Insurance, and Fleet and Small Business Insurance. 

Driver excellence bonus

Insurance policy If you... … you get
Comprehensive Car Insurance


are the primary driver & have held a Rating 1 continuously for the last 5 years or more up to 5% discount
are the primary driver & have held a Rating 1 continuously for the last 10 years or more up to 10% discount

Rating 1 for life

You qualify for a Rating 1 for life if you:

  • Have a comprehensive car insurance policy; and
  • Don’t make any at fault claims for 12 months while you are a Rating 1 with 60% no claim discount.

Once you have a Rating 1 for life, we won’t reduce your no claim discount if you make an at fault claim. However, any claim or incident may affect the terms that apply to your policy at your next renewal (including your premium or excess).


No claim discounts

Insurance policy Discount

Comprehensive Car Insurance

up to 60%
Caravan and Trailer Insurance up to 60%
Comprehensive Boat Insurance up to 25%
Motorcycle Insurance up to 20%
Home and/or Contents Insurance up to 4%

How does the no claim discount work?

Motor Insurance (including car, motorbike, caravan and trailer)

The no claim discount amount you are offered is based on:

  • the number of at fault claims the primary driver has had in the last three (3) years; and
  • the number of years the primary driver has held a driver licence (excluding the time on a learner licence).

Comprehensive Boat Insurance

The no claim discount amount you are offered is based on:

  • the number of at fault claims the insured has had in the last three (3) years; and
  • the number of years the insured has held boat insurance in the last three (3) years.

Household

The household no claim discount is offered if you haven't made a claim in the last 12 months.

Household Excellence Bonus

Get up to a 3% discount for 5-9 claim-free years of household insurance, and up to a 6% discount for 10 or more years of household insurance. The Household Excellence Bonus is based on the amount of years you have held home and/or contents insurance and the number of claims you have made in that time.

Security discounts

We’ll reward you for adding security alarms to your home or car.

Insurance policy  If you... …you get discounted 

Comprehensive Car Insurance#

Fire, Theft and Third Party Liability Car Insurance#

install an aftermarket alarm or an engine immobiliser to your car  up to 5% (maximum $20, pro-rated annually)
Contents Insurance*  have a home alarm that is monitored 24/7 by a monitoring facility up to 10%

#Excludes Third Party Liability, Caravan & Trailer, Motorcycle Insurance, Vehicles with a carrying capacity of between 2.5 and 5 tonnes, tow trucks, motorised wheelchairs, and golf buggies.
*This discount does not apply to the additional premiums associated with the Items Away from Home optional benefit.

Apartment discounts

Insurance policy If you...  …you get discounted 
Contents Insurance*  

live in a unit or flat

 
 

up to 15%

 

live in a duplex or townhouse 

up to20%

*This discount does not apply to the additional premiums associated with the Items Away From Home optional benefit.

Over 55 and Senior Card Holder discounts

Get rewarded with discounts on your household insurance if you're an owner-occupier or tenant aged over 55 and a nominated insured.#~
Insurance policy If you...   …you get discounted
Home Insurance are aged over 55  up to 10%
Contents Insurance and Renters Insurance are aged over 55  up to 15%
Home Insurance hold a government issued Seniors Card  up to 15%
Contents Insurance and Renters Insurance hold a government issued Seniors Card  up to 25%

#Only one age discount can be applied to a policy.
~Not available for landlords.

North Queensland cyclone mitigation discount

North Queenslanders may be eligible for RACQ insurance premium discounts if a home they own and/or live in has undergone work to reduce its risk of cyclone damage. To be eligible for a discount of up to 20% on your existing or new RACQ insurance policy specific structural changes to your property need to be completed, such as^:

  • The installation of roofing options such as over batten systems and/or strapping
  • The installation of opening protection
  • A complete roof replacement
  • A complete retrofit - to the current building code.

To find out how the discount works please read the terms and conditions.

 

Things to note

Insurance products (excluding Travel Insurance and the Life and Income Protection Insurance suite of products) are issued by RACQ Insurance Limited ABN 50 009 704 152 (RACQ). Conditions, limits and exclusions apply. This is general advice only and may not be right for you. This information does not take your personal objectives, circumstances or needs into account. Read the PDS and any applicable Supplementary PDS before making a purchase decision on this product. You can also access our Target Market Determinations on this website.