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.
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
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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 propertyWe 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 keysWe pay up to $750 to replace and recode vehicle keys and locks after any relevant excess is paid.
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Towing and storage costsWe 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).
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Change of vehicleIf 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 incidentGet 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 claimGet one excess free windscreen or window glass claim during the period of your insurance.
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No Claim Discount (NCD) ProtectionIf 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 discountPurchase your comprehensive car insurance online and get a $50 discount.*
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Roadside Assistance loyalty discountGet up to 17.5% off your car insurance depending on your membership level.
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Multi policy discountIf 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 discountBe 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 serviceWe have Queensland-based call centres.
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21-day cooling off periodCircumstances change, we get it.
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Pay premiums your wayAsk us about pay by the month options.
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Choose optional extras to suit youWe understand that every member is different.
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Become a memberOur 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.

Enjoy RACQ member perks today~~
Manage my car insurance
Contact us
Need help or would like to know more? RACQ offers many convenient ways for you to get in touch with us.
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.
^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 racq.com/puma for details.