Start your car insurance comparison

You’ve put a lot of thought into the car you drive. From its running costs, to kilometres driven, to the little features you love – your decision was made after considering all the things that matter to you.

So, it makes sense that you want to compare car insurance options before choosing your policy. Whether you prefer comprehensive cover, you want to meet in the middle, or you’re happy just insuring the basics, RACQ is here to help you get the right cover for your budget and your needs.

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This is a summary table only. For full details, please read the Product Disclosure Statement (PDS), any applicable Supplementary PDS and Target Market Determinations.

Comprehensive Fire, Theft and Third Party Liability Third Party Liability
What's coveredhide
Cover for damage to other people's property Tick icon Tick icon Tick icon
Loss or damage caused by uninsured third party Tick icon Tick icon Tick icon
Towing and storage costs Tick icon Tick icon* Tick icon
Emergency repairs up to $500 Tick icon Tick icon* Tick icon
Cover for fire and theft Tick icon Tick icon Tick icon
Lifetime guarantee of repairs Tick icon Tick icon*^ Tick icon^
Change of vehicle (if you sell your vehicle and replace it with a similar type, we automatically cover it for 14 days) Tick icon Tick icon Tick icon
Hire car after theft Tick icon Tick icon Tick icon
Hire car after an incident where another driver is entirely responsible Tick icon
Tick icon Tick icon
Driver fatality Tick icon Tick icon Tick icon
Theft of vehicle keys Tick icon Tick icon Tick icon
Cover for damage to your vehicle (accidents, malicious damage, etc.) Tick icon Tick icon Tick icon
Cover against natural disasters and weather events Tick icon Tick icon Tick icon
Choice of repairer Tick icon Tick icon Tick icon
Replacement of vehicle after total loss if your vehicle is less than two years old Tick icon Tick icon Tick icon
Personal property Tick icon Tick icon Tick icon
Baby capsule and child seats - damaged or stolen Tick icon Tick icon Tick icon
Discountshide
Roadside Assistance loyalty discount Tick icon Tick icon Tick icon
Multi policy discount Tick icon Tick icon Tick icon
Combined discounts Tick icon Tick icon Tick icon
No claim discount Tick icon Tick icon Tick icon
Driver excellence bonus Tick icon Tick icon Tick icon
Car alarm discount Tick icon Tick icon Tick icon
Optional benefitshide
Hire car after an incident Tick icon# Tick icon Tick icon
No claim discount protection^^ Tick icon Tick icon Tick icon
Excess free windscreen or window glass claim Tick icon Tick icon Tick icon
Other benefitshide
Pay by the month Tick icon Tick icon Tick icon
Choose your basic excess amount Tick icon Tick icon Tick icon
Rating 1 for life Tick icon Tick icon Tick icon
RACQ Insurance Selected Repairer network Tick icon Tick icon Tick icon
Queensland-based call centres Tick icon Tick icon Tick icon
State-wide assessment services Tick icon Tick icon Tick icon
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Car insurance comparison FAQs

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.

*Caused by Fire and Theft.

^As a result of a claim under Uninsured third party driver cover.

#Silver, Gold and Gold 50 RACQ members who hold Roadside Assistance receive this benefit at no extra cost.

^^Government issued Senior Card holders receive this benefit at no extra cost