RACQ is seeking members who may have missed out on a cyclone mitigation discount.

To be eligible for a backdated cyclone mitigation discount, please check that you satisfy the following requirements:

  1. You held a home and contents insurance policy with us any time between 15 February 2016 and 5 July 2022 and
  2. the home was built prior to 01/01/1985 in an eligible North Queensland postcode (see the list below) and
  3. It has undergone eligible cyclone mitigation structural changes (see the list of eligible structural changes below) and
  4. You have not already received a cyclone mitigation discount.

If you think you are eligible for backdated cyclone mitigation discount, please call us on 1800 637 013.

What are the eligible postcodes?

To be eligible for the cyclone mitigation discount, the property on this policy must be in the following postcodes.

4565 4568 4569 4570 4571 4580 4581 4620 4621 4650
4655 4659 4660 4662 4670 4671 4673 4674 4676 4677
4678 4680 4694 4695 4697 4699 4700 4701 4702 4703
4704 4705 4706 4707 4710 4711 4714 4715 4716 4737
4738 4739 4740 4741 4750 4751 4753 4754 4756 4757
4798 4799 4800 4801 4802 4803 4805 4806 4807 4808
4809 4810 4811 4812 4813 4814 4815 4816 4817 4818
4819 4820 4830 4849 4850 4852 4854 4855 4856 4858
4859 4860 4861 4865 4868 4869 4870 4871 4872 4873
4874 4875 4876 4877 4878 4879 4880 4881 4882 4883
4884 4885 4886 4887 4888 4890 4891 4892 4895

 

 

What is an eligible cyclone mitigation structural change?

To be eligible for this discount, the property on this policy must have had one or more of the following structural changes:

  1. The installation of opening protection, such as roller door bracing and roller shutters for windows on all doors, windows and roller doors in the Home; or

  2. The installation of roof strapping, where all the listed strapping is completed on the Home:
    1. Tying down roof battens to trusses and rafters; and
    2. Tying down roof battens to rafters; and
    3. Tying down roof trusses to wall frames; or
  3. The installation of an over-batten system (i.e., steel plates fitted over the roofing material and held down to the foundations outside the main walls by tie rods and turnbuckles) on the Home; or
  4. A complete roof replacement on the Home (note that a roof re-screw is not considered an eligible structural change for the purposes of these terms); or
  5. A complete retrofit to upgrade the home to comply with current building codes. The retrofit must have received relevant local council approval.

Please note, RACQ will cease to offer a cyclone mitigation discount on policies with a start date of 1 November 2023 onwards. If the discount is applied prior to 1 November 2023, it will remain in place until the next renewal date. This will enable us to provide new cyclone mitigation benefits under the Australian Reinsurance Pool scheme.

Things to note

Insurance Products (excluding Travel Insurance) are issued by RACQ Insurance Limited ABN 50 009 704 152 (RACQI) and arranged by its agent, RACQ Distribution Services Pty Ltd (RDS) ABN 35 116 361 650, AFSL 567130 and RDS' authorised representatives (including RACQ Operations Pty Ltd ABN 80 009 663 414, AR No. 234978 (RACQO). Conditions, limits and exclusions apply. RDS and RACQO are in the RACQ group of companies. One of the companies in the RACQ group of companies has a minority shareholding in RACQI.

RDS and RACQO have not taken your personal objectives, circumstances or needs into account when preparing advice regarding insurance products and you will need to consider whether the advice is appropriate for you. 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. RDS receives a commission from RACQI for the policies it arranges. RACQO receives fees paid for services it provides to RDS. Further details about remuneration are available on request prior to purchasing.