Insurance FAQs

Insurance is about protecting yourself from the unexpected. When you have belongings and property that are of value, you want to know that you are covered if they were damaged or lost. In Queensland, we are all too familiar with unpredictable weather and the impacts of cyclones, floods, storms and bushfires. But insurance also protects you against things like theft, damage and legal liability.

When you pay your insurance premium, it goes into a pool of money with everyone else’s premium. When people claim on their policy, that money comes out of the pool. In the event of a catastrophe e.g. large scale flooding or a cyclone, this pool of money goes to helping a lot of people recover. 

There are no pandemic exclusions on your policy. If you need to make a claim related to a pandemic as with any other claim, you will need to meet the eligibility requirements for your type of cover.

RACQ Life and Income Protection customers are covered through the pandemic. COVID-19 has no impact on your existing Life and/or Income Insurance cover with us.

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