Storms cloud thunder
Insured with RACQ? We’ve got you protected against severe weather this storm season.

Flood, hail and storm are considered insured events under RACQ Comprehensive Car Insurance, and Home and/or Contents Insurance policies.##

If you have submitted a claim, we will be in touch as soon as possible. See what to do after a storm.

Know you’re covered with RACQ Comprehensive Car Insurance

Life in Queensland is full of surprises. Whether you’re navigating our bustling cities, road-tripping to forests and beaches, or weathering an afternoon storm, you can rest assured knowing RACQ Comprehensive Car Insurance is here for you.

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What does my RACQ Comprehensive Car Insurance cover?

Get up to speed on all the important details by reading our Product Disclosure Statement (PDS), any applicable Supplementary PDS and Target Market Determinations.

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    Loss or damage to your vehicle in a flood, storm, hail, theft, accident, vandalism, or fire event 
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    Up to $20 million cover for damage to other people’s property caused by your car 
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    Choice of repairer and lifetime repair guarantee on work completed by an RACQ Insurance selected repairer 
  • front-of-car
    Hire car or alternative mode of transport for up to 21 days (up to $75 per day) if your vehicle is stolen
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    Cover for personal property 
    We pay up to $500 for personal property inside your vehicle that is damaged from being involved in an incident.
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    Theft of vehicle keys
    We pay up to $750 to replace and recode vehicle keys and locks after any relevant excess is paid. 
  • Blue tick
    Towing and storage costs
    We pay the costs of towing and storage of your vehicle for up to 30 days after an incident or theft (up to $100 a day).
  • Blue tick
    Change of vehicle
    If you sell your vehicle and replace it with a similar vehicle, we automatically cover the new vehicle for 14 days.

RACQ Comprehensive Car Insurance optional benefits

Find out more about the optional benefits you can add to RACQ Comprehensive Car Insurance, by reading our Product Disclosure Statement (PDS), any applicable Supplementary PDS and Target Market Determinations.

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    Hire car after an insured incident
    Get a hire car for up to 21 days (up to $75 a day) if you are unable to use your vehicle as the result of an incident.
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    Excess free windscreen or window glass claim
    Get one excess free windscreen or window glass claim during the period of your insurance.
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    No Claim Discount (NCD) Protection
    If you have a Rating 1, you can protect this rating in the event of an at fault claim.^ Gold and Gold 50 RACQ members receive this benefit at no extra cost.

Save with RACQ Comprehensive Car Insurance

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    $50 online discount
    Purchase your comprehensive car insurance online and get a $50 discount.*
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    Roadside Assistance loyalty discount
    Get up to 17.5% off your car insurance depending on your membership level.  
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    Multi policy discount
    If you’ve got three or more RACQ insurance policies, you can save up to 5% off each eligible policy.
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    No claim discount
    Be rewarded when you don’t make a claim with up to a 60% discount on your premiums.

Why choose RACQ for your comprehensive car insurance?

We support electric vehicles
We provide comprehensive car insurance, roadside assistance, and charging discounts for electric vehicles. Embracing sustainability is easy with RACQ.

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    Enjoy local customer service
    We have Queensland-based call centres. 
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    21-day cooling off period
    Circumstances change, we get it.
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    Pay premiums your way
    Ask us about pay by the month options.
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    Choose optional extras to suit you
    We understand that every member is different.
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    Become a member 
    Our insurance policies come with RACQ membership. 

Award-winning insurance

RACQ Car Insurance has been awarded for Outstanding Customer Satisfaction, Excellent Claims Experience, Excellent Customer Service, Highly Trusted, and Most Recommended in the 2021 Mozo Awards.

RACQ car insurance mozo awards

Enjoy RACQ member perks today~~

Make your car sparkle for less
Take up to 15% off the price of Star Car Wash services.
Fill up with discounted fuel
Save 4 cents per litre at Puma Energy petrol stations.#
Save on car parts and accessories
Get a 5% discount at Repco stores throughout Australia.
Help Queenslanders in crisis
Your membership helps keep the RACQ Air Rescue Network in flight.

Comprehensive car insurance 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.

##Exclusions apply. Please read the Product Disclosure Statement (PDS), any applicable Supplementary PDS and Key Facts Sheet for full details.

*Excludes pay later option. 

^Only applies to your first at fault claim during the period of insurance. 

~~ 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 Puma Energy petrol stations. Visit for details.