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Find the right car insurance product for your vehicle

At RACQ, we provide different levels of car insurance cover to protect against loss or damage. Our policies cover your car in an accident if the other party is at fault and uninsured. We also cover the cost of damage to other people’s property caused by your car.

We have a car insurance policy to suit your lifestyle and vehicle, including Comprehensive Car Insurance, Fire, Theft and Third Party Liability Car Insurance and Third Party Liability Car Insurance as well as Motorcycle Insurance.

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  • Comprehensive
  • Fire, Theft and Third Party Liability
  • Third Party Liability
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Fire, Theft and Third Party Liability
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Third Party Liability
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What's Covered Hide
Cover for damage to other people's property
Loss or damage caused by uninsured third party
Towing and storage costs*^
Emergency repairs up to $500*^
Cover for fire and theft
Lifetime guarantee of repairs*^
Change of vehicle - If you sell your vehicle and replace it with a similar type, we automatically cover it for 14 days.
Hire car after theft
Hire car after an incident where another driver is entirely responsible
Driver fatality
Theft of vehicle keys
Cover for any damage to your vehicle (accidents, malicious damage etc)
Cover against natural disasters and weather events
Choice of repairer
Replacement of vehicle after total loss
Personal property
Baby capsule and child seats - loss or damage
Damage to your box trailer or caravan

* Caused by Fire and Theft.
^ As a result of a claim under Uninsured Third Party Insurance.
# Silver, Gold and Gold 50 RACQ members who hold Roadside Assistance receive this benefit at no extra cost.

Ways to save

For full details of discounts and savings for RACQ car insurance see our Product Disclosure Statement (PDS) and applicable Supplementary PDS. Learn more about our Insurance Discounts.

$50 online Discount

Buy an RACQ Comprehensive Car Insurance policy online, you’ll get a $50 discount*.

Multi-policy Discount

If you have three or more insurance policies with RACQ, get up to 5% off each of your eligible policies.

Roadside Assistance Discount

RACQ Roadside Assistance subscribers get up to a 17.5% discount on your car insurance (savings based on membership level).

No Claim Discount (NCD)

Be rewarded when you don’t make claims. You can save up to 60% with our No Claim Discount.


As an RACQ member, you can also save 4¢ per litre on fuel at selected PUMA stations.#

Award winning cover

RACQ car insurance has been awarded People’s Choice for Excellent Claims Experience, being a Highly Trusted provider and Most Recommended in the 2020 Mozo Awards.

RACQ Comprehensive Car Insurance is a winner of 3 People's Choice Mozo Awards in 2020

Car Insurance FAQs

RACQ’s Comprehensive Car Insurance is a policy that provides the most protection for your vehicle. It covers your car for a range of different circumstances including:

  • Cover for the loss or damage to your vehicle in an accident, theft, fire or weather event.
  • Payment for any emergency repairs to your vehicle or for the cost of hiring a car when yours has been stolen (for up to 14 days).
  • Third Party Liability cover for when you cause damage to someone else’s vehicle or property.

RACQ’s Third Party Liability Car Insurance, on the other hand, provides you with the minimum amount of cover you need in an accident.

  • It gives you cover if you have damaged someone else’s vehicle or property in an incident, so you only have to pay your policy excess instead of the full repair costs.
  • If the other party is at fault and uninsured, RACQ Third Party Car Insurance will cover repairs up to $5,000.

Unlike Comprehensive Car Insurance, Third Party Liability Car Insurance does not provide cover for your vehicle in the event of an accident, theft, fire, vandalism or a weather event. Emergency repairs and hire costs are not covered under Third Party Car Insurance either.

Compare all the benefits, options and discounts of our car insurance policies using our Car Insurance Comparison table to be certain you’re choosing the right policy for you.

RACQ’s Compulsory Third Party (CTP) Insurance covers you for compensation claims made by other people who were injured in the accident where you are the at fault driver. CTP Insurance does not cover the damage caused to vehicles as the result of an accident.

In Australia, you are required by law to have a CTP Insurance policy before you can register your car. In Queensland, you can buy a CTP Insurance policy from a licensed insurer like RACQ.

If you choose RACQ as your CTP Insurance provider, you can switch at any time although the actual change will only come into effect from the start of the next registration renewal date.

Click here to learn more about CTP Insurance.

An excess payment on your car insurance is the amount of money you are required to pay when you make a claim on your policy. Essentially, it’s the amount you agree upon to contribute to the cost of the claim.

If you choose to insure your vehicle for a market value, the value of your vehicle will be determined when you make a claim for an incident. This will be calculated based on your local car market, the age and condition of your vehicle and the kilometres it has travelled.

When you choose an agreed value policy, the value of your vehicle will be mutually agreed on by yourself and RACQ. This value will remain valid until your next renewal. At renewal, if you do not agree with the new value you have been offered, you can call us to discuss.

We’ve got three easy ways you can lodge your RACQ Car Insurance claim. You can lodge your claim online, call us on 13 7202 or visit your local RACQ branch. Go to our How to make a car insurance claim page for more information.

Our friendly claims staff are available 24/7 to walk you through the process and answer any questions you may have. Every situation is different so don’t hesitate to give us a call on 13 7202 if you have questions about your Car Insurance claim.

More car insurance FAQs

Other ways we can help you buy and maintain your car

Car Loan Special

Low interest rates for new and used cars with no deposit, no monthly account keeping fees and unlimited additional repay...

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Car Brokerage Service

RACQ members get access to free car brokerage with Motor Vehicle Consultants. Take the hassle out of purchasing a car.

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Car Batteries, Windscreens and...

RACQ members have access to a range of discounts across car products and services to help keep your car in great shape.

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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.

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

* Excludes pay later option.

# E10, Unleaded 91, Premium Diesel and LPG only. Conditions, limits and exclusions apply. See Puma Energy fuel discount for more information.

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, conditions and lending criteria apply. Contact us for a copy. This is general advice only and may not be right for you.