Know you’re covered for storm damage

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With another summer of wild weather anticipated, Queenslanders can rest assured knowing their property is covered.
Car windscreen smashed by hail.

Queensland’s summer storm season is underway and with it comes an increased risk of damage to homes and vehicles.

If the worst happens, be assured that hail and storm damage coverage is standard for RACQ members with household and comprehensive car insurance policies.

Home and Contents Insurance

Under your RACQ Home and/or Contents Insurance policy, we cover your home and contents for loss or damage caused by an incident that happens during the period of insurance if a storm, hail or flood damage your home or contents.

For policies with an effective date on or after 29 March 2021, our Product Disclosure Statement (PDS) defines storm as: “Strong winds that may also involve heavy rain, hail, or snow. For example, a cyclone”.

Comprehensive Car Insurance

Under your RACQ Comprehensive Car Insurance policy, we cover your vehicle for loss or damage caused by an incident that happens during the period of insurance if a storm, hail or flood damage your vehicle.

How to check your insurance policy details

Members can check their coverage by logging in to their My RACQ profile and accessing their policy information and insurance disclosure documents

The information and documents will tell you what events and damages you are covered for, your insured amounts, and any limits, conditions or excesses that apply.

Access your policy details by following these steps:

  • Go to and log in to your My RACQ profile.
  • From the home screen, click on the “More info” button next to your products.
  • You can then access policy information, including the PDS (PDS) and applicable Supplementary PDS. You can also make a claim and change the contents sum insured.

Click here for more answers to your RACQ insurance questions.

Do you have enough cover?

RACQ spokesperson Kirsty Clinton said as part of your storm season preparations, it was important to ensure you had appropriate levels of insurance cover for your home and its contents.

“Now’s the time to check your sum insured is adequate to rebuild your home if it was completely destroyed,” Ms Clinton said.

“It’s also time to make sure your home is properly prepared for bad weather, to reduce the risk of damage and the need to make a claim.”

Get your home storm-ready

Household preparations ahead of storm season should include:

• Ensuring trees in your yard are cut back with dead branches moved away from your house.

• Maintaining your roof by keeping your gutters clear, securing loose tiles, and fixing sealing leaks.

• Installing shutters or metal screens if you are in a cyclone-prone area to help prevent windows breaking.

• Preparing your emergency plan.

Insurance products issued by RACQ Insurance Limited ABN 50 009 704 152. Conditions, limits and exclusions apply. This is general advice only and may not be right for you. Consider the PDS, SPDS and TMD available at

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Things to note

The information in this article has been prepared for general information purposes only and is not intended as legal advice or specific advice to any particular person. Any advice contained in the document is general advice, not intended as legal advice or professional advice and does not take into account any person’s particular circumstances. Before acting on anything based on this advice you should consider its appropriateness to you, having regard to your objectives and needs.