At RACQ, we value your loyalty

We want to reward you for continuing to choose RACQ, which is why we offer great discounts on RACQ products and services at each of our five loyalty levels.

Your loyalty level will depend on how many years of continuous RACQ membership you held and is represented by the colour of your membership card. To find out your loyalty level, log in to My RACQ, to view and access your digital membership card.

Blue (0-4 years)
Bronze (5-9 years)
Silver (10-24 years)
Gold (25-49 years)
Gold 50 (50+ years)

Loyalty discounts

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
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%
Comprehensive Motorcycle Insurance*^^ 2.5%
Caravan and Trailer Insurance*
Home and Contents Insurance*
Pet Insurance*
2.5% 7.5%
Boat Insurance* 2.5% 7.5%

Roadside assistance loyalty discounts

 Roadside Assistance product membership-card-blue-93x59 membership-card-bronze-93x59 membership-card-silver-93x59 membership-card-gold-93x59 membership-card-gold50-93x59
Roadside Assistance - - - 2nd tow at no charge
50% off first vehicle
Plus Care / Ultra Care - 5%# 7.5%#

Maximum annual benefit doubled.

Maximum annual benefit doubled.
Ultimate - - - 10%

Things to note

*Loyalty benefits do not apply to business members. Refer to pages 19-22 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. 

~Additional 0.10% p.a. discount off fixed interest rates is available for Silver and Gold members only. Offer is available until further notice.

#Discount only applies to the price difference between Plus Care, Ultra Care, or RACQ Ultimate and standard Roadside Product. Discount only applies to the first Roadside product.

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.