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 | $25 |
| Home and Contents Insurance | $50 |
| Home Insurance | $25 |
| Contents Insurance | $25 |
| Contents Insurance for renters | $25 |
| Pet Insurance | $50** per pet |
*The online discount will be applied and deducted on the total annual premium amount payable on your new policy. Excludes pay later option and any policy renewals. Discount amounts may be pro-rated for cover of less than 12 months.
** 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 |
up to 5% discount |
*Excludes golf buggies, motorised mobility vehicles or wheelchairs.
Multi policy discounts
| If any policyholder... | You get... |
|---|---|
| has 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 if you are a policyholder:
| Discounts are available to members with RACQ Roadside Assistance |  |
 |
 |
 |
 |
| Comprehensive Car Insurance* | 5% | 7.5% | 10% | 12.5% discount plus No claim discount protection^ | 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 Membership 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 (NCD)
| 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 your home is... | …you get discounted |
|---|---|---|
| Contents Insurance* |
a unit or flat |
up to 15% |
|
a duplex or townhouse |
up to 20% |
*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 55 years or more and a policyholder.#~
| Insurance policy | If you... | …you get discounted |
|---|---|---|
| Home Insurance | are aged 55 years or more | up to 10% |
| Contents Insurance and Renters Insurance | are aged 55 years or more | 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.