Queensland-proof cover. Make the most of life in Queensland with the confidence that comes from cover designed for the sunshine state. 

Enjoy the freedom that Queensland’s outdoor lifestyle offers with RACQ Comprehensive Car Insurance. Whether you’re driving around town, or getting off-road to make the most of your weekends, you can drive with confidence knowing we’ve got your vehicle covered.

When you buy insurance from RACQ you also become a member, unlocking a wide range of discounts and benefits including:

If the unexpected happens, our friendly team is ready 24/7 to help you get back on the road sooner.

Save $50 when you buy RACQ Comprehensive Car Insurance online (conditions apply—excludes pay later options).

Check which insurance discounts you're eligible for to further reduce the price of your insurance.

Get a quote Read the PDS

Looking for Third Party Liability Insurance?

Third Party Liability Insurance provides cover in case you damage someone else's vehicle or property in an accident.

Ridesharing insurance

If you are using your vehicle for ridesharing activities—such as Uber—call us for a quote on 13 1905.

Read the PDS

What you get with comprehensive car insurance

When you take out RACQ Comprehensive Car Insurance, your car is well covered. You’ll get:

Cover for damage to your vehicle  We cover loss or damage to your vehicle following a collision, weather events (flood, hail, storms, cyclones), fire, malicious act, theft or attempted theft.
Cover for damage to other people’s property We pay up to $20 million where you are legally liable for damage to other people’s property caused by your car.
Emergency assistance Aussie Assist gives you and your family access to  emergency assistance when you're 100km or more from home.
Choice of repairer and lifetime repair guarantee Enjoy the freedom to choose one of our selected repairers or a repairer of your choice. We guarantee the quality of authorised repairs completed by RACQ Insurance Selected Repairers for as long as you own the car.
Hire car after theft Get a hire car for up to 14 days if your car is stolen.
Cover for personal property We pay up to $500 for personal property inside your vehicle that is damaged from your vehicle being involved in a collision, overturning or catching fire.
Cover for baby capsules and child seats We pay up to $500 for baby capsules or child seats that are damaged or stolen while fitted to your vehicle.
Change of vehicle If you sell your vehicle and replace it with a similar type, we automatically cover it for 14 days.
Damage to your box trailer or caravan We pay up to $750 if your box trailer or caravan is damaged or stolen.
Emergency repairs We pay up to $500 for emergency repairs to make your car roadworthy until you can claim. For example, you can get a tail light or side mirror fixed to get your car back on the road, and then let us know at claim time.
Replacement vehicle after total loss If your vehicle is no more than two years old and we have declared it a total loss, we will replace it with a new vehicle.
Theft of vehicle keys We pay up to $750 to replace and recode vehicle keys and locks.
Towing and storage costs We pay the reasonable costs of towing and storage (up to $100 a day) of your vehicle after an accident or theft for up to 30 days.

The above features are a summary only and limits apply. Please refer to our Product Disclosure Statements for full details, exclusions, and terms and conditions.

Choose from optional benefits

For an additional cost, you can add these optional benefits to your RACQ Comprehensive Car Insurance policy.

No claim discount protection If you have a Rating 1, you can protect this rating in the event of an at-fault claim^. Gold and Gold 50 RACQ members receive this benefit at no extra cost.
Excess-free windscreen or window glass claim Get one excess-free windscreen or window glass claim during the period of your insurance.
Hire car after an insured event Get a hire car for up to 14 days, at $40 a day, after an insured event. Silver, Gold and Gold 50 RACQ members receive this benefit at no extra cost for accidents occurring after 22 December 2014.*

*Incidental costs associated to hire car e.g. petrol, may still apply

^ Only applies to your first at fault claim during the period of insurance.

The above features are a summary only and limits apply. Please refer to our Product Disclosure Statements for full details, exclusions, and terms and conditions.

Save on your car insurance

Get the following discounts to reduce the cost of your insurance.

Online discount  If you buy an RACQ Comprehensive Car Insurance policy online, you'll get a $50 discount—excludes pay later option.
Roadside Assistance
loyalty discount
Already an RACQ member with Roadside Assistance? Get up to 17.5% discount on your car insurance depending on your level of membership. 
Multi-policy discount If you have three or more insurance policies with RACQ, get up to 5% off each of your eligible policies.
Combined insurance discount You can combine a range of car insurance policies – and get up to 5% off each of your eligible policies.
No claim discount Be rewarded when you don’t make claims. You can save up to 60% with our No Claim Discount.
Driver excellence bonus Be rewarded for safe driving. If you hold a Rating 1 and have been driving continuously for five years or more, get up to a 10% discount.
Car alarm discount Install an after-market alarm or engine immobiliser and save up to 5% on your policy.

Get a quote Read the PDS

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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. Please read the PDS before making a purchase decision on this product. Any general advice relating to this product at racq.com is provided by RACQ.

Banking products and loans are issued by Members Banking Group Limited ABN 83 087 651 054 AFSL and Australian credit licence 241195 trading as RACQ Bank. This information does not take your personal objectives, circumstances or needs into account. Read the disclosure documents for your selected product or service, including the Financial Services Guide and the Terms and Conditions, before deciding. Except for RACQ Bank, any RACQ entity referred to on this page is not an authorised deposit-taking institution for the purposes of the Banking Act 1959 (Cth). That entity’s obligations do not represent deposits or other liabilities of RACQ Bank. RACQ Bank does not guarantee or otherwise provide assurance in respect of the obligations of that entity, unless noted otherwise.

RACQ Life, Accident and Income Protection Insurance is issued by AIA Australia Limited ABN 79 004 837 861, AFSL 230043. Read the PDS on this website before making a purchase decision. Conditions, limits and exclusions apply.