12 reasons why you can trust RACQ with your car insurance

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    Over 735,000 members with RACQ car insurance ^^
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    Coverage for Queensland – our comprehensive car insurance covers storm, flood, hail, fire, plus theft
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    Queensland-based – meaning you can click, call or visit us in store
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    Trusted to insure Queensland drivers for over 50 years.
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    We received 171,234 insurance claims last financial year.**
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    Paid over 99% of comprehensive car insurance claims in 2023.+
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    Member owned – we serve our members and their communities, not shareholders
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    Member benefits that are tailored for Queenslanders
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    Save 4 cents per litre on fuel at participating Caltex and Puma Energy petrol stations#
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    Save on holidays with discounts on activities, attractions and accommodation
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    Save on your car with discounts at Repco
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    Save on everyday items and expenses with discounts on fuel, food and groceries, shopping, movies, experiences, parking and more

RACQ Car Insurance is made for Queenslanders

Queensland’s weather may be unpredictable, but when you choose RACQ Car Insurance we’ll be by your side if things go wrong.

  • You want an insurer others trust: We’ve been insuring Queensland drivers for over 50 years.
  • You want experience: We received 171,234 insurance claims last financial year.**
  • You want to be covered: We paid over 99% of comprehensive car insurance claims in 2023.+

You’re eligible for a discount on RACQ Car Insurance

Car insurance discounts are available to members with RACQ Roadside Assistance1
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Blue (0-4 years)
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Bronze (5-9 years)
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Silver (10-24 years)
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Gold (25-49 years)
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Gold 50 (50+ years)
Comprehensive Car Insurance1 5% 7.5% 10% 12.5% discount plus No claim discount protection3  17.5% discount plus No claim discount protection3 and Hire car after an event at no extra cost2
Fire, Theft & Third Party Liability and Third Party Liability Insurance1 4 2.5% 5% 10% 12.5% 17.5%

12 reasons why you can trust RACQ with your car insurance

Queensland’s weather may be unpredictable, but when you choose RACQ Car Insurance we’ll be by your side if things go wrong.

  • Over 735,000 members with RACQ car insurance^^
  • Coverage for Queensland - our comprehensive car insurance covers storm, flood, hail, fire, plus theft
  • Queensland based - meaning you can click, call or visit us instore
  • Trusted to insure Queensland drivers for over 50 years
  • We received 171,234 insurance claims last financial year.**
  • Paid over 99% of comprehensive car insurance claims in 2023+
Show more reasons why

RACQ Car Insurance

Comprehensive car insurance

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    Cover for your vehicle in an accident, flood, storm, hail, theft, vandalism or fire event
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    Cover for your car in an accident if the other party is at fault and uninsured
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    Cover for damage to other people’s property caused by your car
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    Cover for personal property inside your vehicle in certain incidents.
FTTP Car insurance

Fire, theft and third party liability car insurance

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    Cover if your vehicle catches fire, if it’s stolen, or if there is an attempted theft
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    Cover for your car in an accident if the other party is at fault and uninsured
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    Cover for damage to other people’s property caused by your car
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    Does not cover loss or damage to your vehicle in an accident, flood, storm, or vandalism event.
Third party car insurance

Third party liability car insurance

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    Cover for damage to other people’s property caused by your car
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    Cover for your car in an accident if the other party is at fault and uninsured
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    Does not cover loss or damage to your vehicle in an accident, flood, storm, fire or vandalism event
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    Does not cover loss or damage to your vehicle if it's stolen or if there's an attempted theft.
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Find the cover that's right for you
When you’re searching for a car insurance quote, it helps to understand the different coverage types of car insurance on offer.

Why choose RACQ Insurance?

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    Our car and home insurance has won more than 25 Mozo People's Choice Awards.

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    In 2023, we paid over 99% of RACQ Comprehensive Car Insurance claims.+

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    We exist to serve our members and their communities, not shareholders.

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    Our Queensland-based team are here when you need us – click, call or visit us in store. 

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    With RACQ, you can get comprehensive car insurance, roadside assistance and charging discounts for your electric vehicle. Learn how we’re helping Queenslanders go green.

Your car insurance comes with RACQ member perks~~

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Free up your transport budget
Take 4 cents per litre off when you fill up at participating Caltex and Puma Energy service stations.#
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Get up to $25 off vehicle inspections
Save on vehicle checks and safety certificates.
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Receive $25 off battery replacement
Get your discount on the recommended retail price.
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Be part of positive changes in your community
Know that RACQ funds life-saving rescue flights.

Award-winning insurance

RACQ are the proud winner of the 2023 Mozo People’s Choice Award for Outstanding Customer Satisfaction and the 2023 Mozo People's Choice Award for Most Recommended for Car Insurance in Queensland. 

Car insurance FAQs

While you're here

Roadside vehicle on the road
Roadside assistance
Whether you have a flat battery, a tyre that needs changing, or a fuel tank that needs topping up, we’ll get you back on the road.
Vehicle inspection
Vehicle inspections
Buying a new car or heading away on a road trip? Know your family will be safe with an RACQ Vehicle Inspection.
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Car loans
Finance your car with RACQ Bank and you'll get the same low interest rates regardless of whether you buy a new or used car.~

Things to note

Insurance products (excluding Travel Insurance) 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.

+Based on RACQ data during the assessment period 1 January to 31 December 2023, 99.22% of comprehensive car insurance claims closed (excluding withdrawn and duplicate claims) were not partially or fully rejected.

^^Based on RACQ data as at 4 April 2024, over 735,000 Queenslanders held RACQ motor insurance policies.

**Figures based on FY22-23 statistics. See the RACQ Annual Report 2022-2023 for more details.

Banking and loan products issued by Members Banking Group Limited ABN 83 087 651 054 AFSL/Australian credit licence 241195 trading as RACQ Bank. Terms, conditions, fees, charges and lending policies 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 disclosure documents for your selected product or service, including the Financial Services Guide and the Terms and Conditions, and consider if appropriate for you before deciding.

Except for RACQ Bank, any RACQ entity referred to on this page is not an authorised deposit-taking institution for the purposes of the Banking Act 1959 (Cth). That entity’s obligations do not represent deposits or other liabilities of RACQ Bank. RACQ Bank does not guarantee or otherwise provide assurance in respect of the obligations of that entity, unless noted otherwise.

~~ Terms and conditions apply to all offers. View the individual offer for full details. Offer is subject to availability and may be withdrawn at any time without notice.

#Conditions apply. Offer available at participating Caltex and Puma Energy service stations. Visit racq.com/caltex for details.

*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.

~New lending only. Excludes debt consolidation loans.