Know you're covered with RACQ Insurance

You're more than a customer because we're more than an insurer. We're Queensland's largest club and are owned by our members, for the benefit of our 1.7 million members. We’ve spent decades serving Queenslanders, and we understand the highs and lows of living in the Sunshine State. That’s why our members rely on us to look after the things that matter to them. Whether you’re at home, on the road, or out and about enjoying life, when it comes to insurance, we have a reputation for excellence.

We think you're worth protecting

Car insurance
Find cover for your car, business vehicle, motorbike, scooter, or RV.
Home insurance
Protect your home and belongings from storms, flood, fire, and theft.
Pet insurance
Protect your furry friend with care you can count on.
Boat insurance
Get out and about on Australian waterways knowing your boat is protected.
Travel insurance
Take cover with you on your next overseas or Australian adventure.
Life and income insurance
Protect your family’s financial future and enjoy AIA Vitality benefits.
Caravan and trailer insurance
Enjoy the great outdoors with confidence.
Make a claim
Need to make a claim on your RACQ Insurance policy?

Why choose RACQ Insurance?

  • hands-with-heart
    We have a reputation for excellence
    RACQ took out 15 Mozo People’s Choice and Expert Choice awards in 2021.
  • queensland-continent-separate
    Queenslanders have relied on us for decades
    We have a history of helping locals when they need us most.
  • two-people-next-to-eachother
    We’re here for members, not shareholders
    RACQ is owned by members, to benefit members.
  • hand-holding-man-and-woman
    RACQ members help fund the RACQ Foundation 
    We support local communities around Queensland.

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.

RACQ’s Life and Income Protection Insurance suite of products described on this website is distributed by RACQ Operations Pty Ltd ABN 80 009 663 414, Authorised Representative Number 234978 (RACQO), an authorised representative of AIA Financial Services Limited ABN 68 008 540 252, AFSL 231109 (AIAFS) and is issued by AIA Australia Limited ABN 79 004 837 861, AFSL 230043 (AIAA). RACQO is a distributor only; it does not sell, issue or guarantee these products. AIAFS and other authorised representatives of AIAFS are also involved in distributing these products. Descriptions of product benefits and features are a summary only. You should consider factors like your objectives, financial situation and needs and read the relevant Product Disclosure Statement (PDS), any applicable Supplementary PDS and Target Market Determinations available on this website before deciding to acquire or continuing to hold any of these products. The information on this website is general and does not take such factors into account so you should consider its appropriateness in the context of such factors. Cover is subject to terms, conditions, limitations and exclusions.

AIA Australia has adopted the FSC Life Insurance Code of Practice, which contains minimum standards of service that customers can expect from insurers. The code can be found at

AIA Vitality partners, benefits and rewards are subject to change at any time. For the most up-to-date information and to view the AIA Vitality Terms and Conditions see Partner terms and conditions may also apply.

RACQ Operations Pty Ltd (ABN 80 009 663 414 AR 000234978) and Members Travel Group Pty Ltd (ABN 45 144 538 803 AR 000432492) are acting as an Authorised Representative of the issuer of the insurance, Tokio Marine & Nichido Fire Insurance Co., Ltd. (ABN 80 000 438 291 AFSL 246 548). Any advice set out above is general in nature only, and does not take into account your objectives, financial situation or needs. Before purchasing any travel products, we recommend reviewing the RACQ Travel Insurance Product Disclosure Statement (PDS) and the Target Market Determinations (TMDs) that apply to these products. Whilst the PDS outlines the Terms and Conditions of these products, the TMD’s outline the intended class of customers that comprise the target market for these travel products. This will allow you to consider which products best suit your objectives, financial situation and needs and consider the products appropriateness to your personal circumstances. TMD’s also outline matters involving the distribution and the review of these products. The PDS and TMD’s for each travel product can be found here.