Choose RACQ Comprehensive Car Insurance
RACQ Comprehensive Car Insurance protects your car from storm, flood, fire and hail events. And, if you need to claim, you’ll be glad to know over 99% of our comprehensive car insurance claims were paid in 2022+. Plus, we offer a lifetime guarantee on repairs when we authorise your claim and you use an RACQ Selected Repairer. At RACQ, we’re owned by our members, so you know we’ll be by your side if things go wrong. Choose RACQ to experience a different kind of insurer.
Save $25 when you buy this policy online *
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 -
Up to $20 million cover for damage to other people’s property caused by your car -
Choice of repairer and lifetime repair guarantee when we authorise your claim and you use an RACQ Selected Repairer -
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. -
Theft of vehicle keysWe pay up to $750 to replace and recode stolen vehicle keys and locks after any relevant excess is paid.
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Towing and storage costsIf your vehicle is not drivable after an incident we pay for towing and storage of your car 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. -
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.
Why choose RACQ Comprehensive Car Insurance?
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We paid over 99% of RACQ Comprehensive Car Insurance claims in 2022.+ -
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. -
Choice of repairer and lifetime repair guarantee when we authorise your claim and you use an RACQ Selected Repairer.
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Our Queensland-based team are here when you need us – click, call or visit us in store.
Save with RACQ Comprehensive Car Insurance
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$25 online discountPurchase your comprehensive car insurance online and get a $25 discount.* -
Multi policy discountIf you’ve got three or more RACQ insurance policies, you can save up to 5% off each eligible policy. -
No claim discountBe rewarded when you don’t make a claim with up to a 60% discount on your premiums.
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.
Enjoy RACQ member perks today~~
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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) 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.
*Excludes pay later option. Discount amounts may be pro-rated for cover of less than 12 months.
~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 Caltex and Puma Energy service stations. Visit racq.com/caltex for details.
+Based on RACQ data during the assessment period 1 January to 31 December 2022, 99.18% of comprehensive car insurance claims closed (excluding withdrawn and duplicate claims) were not partially or fully rejected.
Based on RACQ data as at 4 July 2023, over 740,000 Queenslanders held RACQ Car Insurance policies.