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Whether you’re a body corporate or strata scheme, RACQ gives you the cover you need for your building and common contents.

Our Body Corporate Insurance policy protects body corporate groups managing domestic home units in Queensland. With our Body Corporate Insurance, you can be sure you are covered for weather events, fire and malicious damage including up to $1,500 for emergency repairs and up to $20 million in legal liability if an incident occurs. Best of all, with Body Corporate Insurance you also become an RACQ business member giving you access to a wide range of benefits.

To get a quote call us on 13 1905.

To make a claim please call us on 13 7202.

What am I covered for?

For full details of what’s included in RACQ Body Corporate Insurance, see our Product Disclosure Statement (PDS) and any Supplementary PDS (where applicable).

We cover you for incidents such as weather events including flood, fire, theft and malicious damage.
We pay up to $20 million in legal liability if an incident occurs at the insured address.
We pay up to 10% of the building sum insured to cover the fees and costs to rebuild, repair or replace the building after an event.
We cover common contents in the open air at the property address up to the sum insured ( carports or verandas).
  • Emergency repairs
    We pay up to $1,500 for emergency repairs to avoid further damage after an incident.
  • Fidelity guarantee
    We cover you against the fraudulent use of body corporate funds by office bearers, a body corporate manager or service contractor. We pay up to $1,000 multiplied by the number of lots in the community title scheme for your building, but not exceeding $30,000 during the period of insurance.
  • Loss of rent
    We cover you for the incurred net loss of rent if the insured building or any lot within it that is occupied at the time, becomes unfit to live in due to loss or damage. This benefit pays either the period of time it is unliveable or 12 months – whichever is less.
  • More Inclusions
    See our Product Disclosure Statement (PDS) and any relevant Supplementary PDS (where applicable).

Optional Extras

For full details of optional extras for RACQ Body Corporate Insurance, see our Product Disclosure Statement (PDS) and SPDS (where applicable).


Office bearer's legal liability

We pay up to $1,000,000 less any relevant excess to cover the cost of paying a third party’s damages, costs and expenses in the event a wrongful act is committed by an office bearer of the body corporate. The cover includes your office bearers against their liability, you against your liability, and estates, heirs, legal representatives or assignees of deceased, incompetent or insolvent office bearers.

Voluntary worker's insurance

We will insure volunteers on your property against bodily injury, death or disability.

Why choose RACQ?


More than an insurance policy, you’re a member

When you insure with RACQ you receive business membership to Queensland’s Largest Club with extra benefits such as advice, discounts and more.

Assisting Queenslanders since 1905

RACQ has been assisting Queenslanders for over 100 years, we know what matters most to locals at home and on the road.

Ways to save

Business Member Benefits are included with RACQ Body Corporate Insurance cover. View full details of discounts and savings here.

Accommodation bookings

Your personal RACQ travel consultant will work closely with you to recommend a range of accommodation styles to suit your budget and preferences, saving you time and effort. Enquire online today or call us on 1300 096 166.

Discounted car products and services

Members get $25 off the RRP of car batteries and 20% off windscreen services including repairs, replacements and tinting*.

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Welcome to a bank with a difference. We put people before profit, which means we always put our members’ needs first. It’s what makes us different.

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Insurance products issued by RACQ Insurance Limited ABN 50 009 704 152. 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 relevant SPDS (where applicable) before making a purchase decision.

CTP Insurance underwritten by RACQ Insurance Limited ABN 50 009 704 152. Visit for details. Conditions apply.

Banking and loan products issued by Members Banking Group Limited ABN 83 087 651 054 AFSL/Australian credit licence 241195 trading as RACQ Bank. Fees, charges, terms and conditions apply. Contact us for a copy. This is general advice only and may not be right for you.

* Conditions, limitations and exclusions apply. View RACQ’s automotive services.