Support for financial hardship: Insurance claims

RACQ Insurance is here to help you when an unexpected life event impacts your ability to pay your excess or repay money owed due to an insurance claim.

Apply for financial hardship for an insurance claim

Am I eligible to claim financial hardship?

Financial hardship can be caused by many factors - such as losing your job, reduced income, or an unexpected and costly emergency. If you’re experiencing difficulties making payments to RACQ relating to an insurance claim for the collection of an excess or a debt recovery, then you can apply for financial hardship assistance.

I’m experiencing financial hardship and need help with my other RACQ products, can you help?

If you’re struggling to make payments for loans, insurance premiums or roadside assistance products held through RACQ, our team can help you. For more information about how we can help you, visit our website here.

I've submitted my request for help, what happens now? 

For more information about this process, read our financial hardship customer information fact sheet

  1. We will assess your financial hardship application and work with you to provide support that is tailored to your needs.
  2. We may request further information or supporting documentation from you. We will only do so when it is relevant to support your application and help us make the right decision for you. We will outline specifically what we require from you to complete the assessment of your application at the earliest time we can.
  3. We will communicate to you in writing of our decision within 21 calendar days of receiving all the information we require for an assessment to be made.

Other support services 

If you need help managing debt, the National Debt Helpline (NDH) is a not-for-profit service that helps people tackle their debt problems. The NDH has a team of financial counsellors who provide non-judgmental, qualified advice. You can contact the National Debt Helpline from 9:30 to 4:30 pm Monday to Friday.

Visit the National Debt Helpline website for more information

Contact us

Need help or would like to know more? RACQ offers many convenient ways for you to get in touch with us.


Call us
Call 13 1905 between 8:30am and 5:00pm, Monday–Friday.
We can arrange the National Relay Service or an interpreter, if required.

Tell us online
Record your feedback

Email us

Write to us
Member Advocate Office
P.O Box 3004
Logan City QLD 4114

Visit your nearest RACQ store
Find a store

Accessibility services
National Relay Service
Translation Services

Things to note

The information in this article has been prepared for general information purposes only and is not intended as legal advice or specific advice to any particular person. Any advice contained in the document is general advice, not intended as legal advice or professional advice and does not take into account any person’s particular circumstances. Before acting on anything based on this advice you should consider its appropriateness to you, having regard to your objectives and needs.