Choose RACQ Comprehensive Car Insurance

At RACQ, we're owned by our members, which means we'll be by your side if things go wrong. 

  • Over 700,000 with RACQ car insurance^^
  • Our Queensland-based team are here when you need us – click, call or visit us in store
  • Get your online quote in four easy steps

Get your quote

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 
  • car
    New vehicle replacement if it’s written off in its first two years**
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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 when we authorise your claim and you use an RACQ 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 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 stolen vehicle keys and locks after any relevant excess is paid. 
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    Towing and storage costs
    If 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).
  • 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 Gold50 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 2023.+
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    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.
  • wrench-and-screw-driver-tool
    Choice of repairer and lifetime repair guarantee when we authorise your claim and you use an RACQ Selected Repairer.
  • callcentre-person
    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 discount
    Purchase your comprehensive car insurance online and get a $25 discount.*
  • two-hands-holding-dollar-sign
    Multi policy discount

    Save up to 5% off each eligible insurance policy when a policyholder has three or more qualifying RACQ policies.

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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.

Award-winning insurance

RACQ are the proud winner of the 2024 Canstar Most Satisfied Customers – Car Insurance Queensland award, plus 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.

CANSTAR 2024 - Most Satisfied Customers - Car Insurance - QLD

Enjoy RACQ member perks today~~

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Get $25 off windscreen replacement
Book an in-store or mobile windscreen service and save.
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Free up your transport budget
Take 4 cents per litre off when you fill up at participating Caltex service stations.#
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Drive down prices with RACQ member discounts
Take 5% off the price of parts and accessories at your local Repco store.
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RACQ Car Buying Service
Take the hassle out of finding a new vehicle. Our car buying service is free for RACQ members.~~

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 Product Disclosure Statement (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.

*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.

~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 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 22 July 2024, over 700,000 Queenslanders held RACQ motor insurance policies.

**Vehicle must be less than two years old at the time of the insurable incident and be deemed a total loss.