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Compare our car insurance options and choose the cover that's right for you

With RACQ car insurance you will become an RACQ member giving you access to a wide range of benefits.

Can’t decide which car insurance policy is right for you? Compare the benefits, options and discounts of our most popular car insurance policies below.

For full details of what’s included in RACQ car insurance see our Product Disclosure Statement (PDS), any applicable Supplementary PDS and Target Market Determination.

  • 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.

Car Insurance Comparison FAQs

Comparing car insurance policies is much easier if you understand how you use your vehicle. If you are heavily reliant on your car during daily life, then having a high level of cover that protects you and your vehicle in all manner of circumstances might be most important to you.

On the other hand, if you use your vehicle more infrequently or are adhering to a tight budget, a basic level of cover may suffice. The right policy is the one that suits your current circumstances.

Between RACQ’s many car insurance policies, you’re sure to find a level of cover that benefits you.

RACQ provides insurance cover for cars and motorcycles against loss or damage. All our car insurance policies give customer access to our 24hr Queensland call centres and Selected Repairer network. Each policy also includes cover for damage to other people’s property and loss of damage to your vehicle when an uninsured third party is at fault.

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.

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.

The cost of car insurance varies significantly and there are a lot of factors that may influence how much premium you pay. The main factors that have an impact on the cost of your car insurance are:

  • Your policy type: Comprehensive cover costs more than Third Party Liability because it includes more benefits.
  • The driver/s: Young drivers are statistically more likely to have an accident, so will usually pay more premium.
  • Your car: The make and model of your car, repair costs, general performance and safety record are all factors in assessing how much you will pay on your premium.
  • Where you live: If you live in an area that has previously had a high number of claims (e.g. theft and malicious damage), your premium will likely be higher.

These are just a few examples of what may impact how much your car insurance costs. Request a quote or speak to one of our friendly staff on 13 1905 to find out more about how much you may pay on your policy.

More car insurance FAQs

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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.

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.