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Comprehensive Car Insurance

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Comprehensive Car Insurance

Cover wherever you are, whoever is driving and whatever the weather.

Enjoy the freedom that Queensland’s 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 an RACQ insurance policy you’ll become a member with access to member benefits including savings, help and advice plus a $50 discount when you buy online*.

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What am I covered for?

For full details of what’s included in RACQ Comprehensive Car cover, see our Product Disclosure Statement (PDS) and applicable Supplementary PDS.

Cover for loss or damage to your vehicle in a flood, storm, theft, accident, vandalism or fire event.

Up to $20 million cover for damage to other people’s property caused by your car.

Choice of repairer and lifetime repair guarantee on work completed by an RACQ Insurance Selected Repairer.

Hire car for up to 14 days if your vehicle is stolen.

Show more inclusions Show more

Cover for personal property
We pay up to $500 for personal property inside your vehicle that is damaged from being involved in a collision, overturning or catching fire.
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.
Theft of vehicle keys
We pay up to $750 to replace and recode vehicle keys and locks.
Change of vehicle
If you sell your vehicle and replace it with a similar type, we automatically cover it for 14 days.
More Inclusions
See our Product Disclosure Statement (PDS) and applicable Supplementary PDS.

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

Optional Extras

For full details of what’s included in RACQ Comprehensive Car cover, see our Product Disclosure Statement (PDS) and applicable Supplementary PDS.

Hire car after an insured event

Get a hire car for up to 14 days, at (up to) $40 a day, after an insured event. Silver, Gold and Gold 50 RACQ members who hold Roadside Assistance 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.

No Claim Discount (NCD) 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.

Why choose RACQ?

More than an insurance policy, you’re a member

When you insure with RACQ you receive 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

For full details of discounts and savings for RACQ Comprehensive Car Insurance, see our Insurance Discounts page.

$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^#.

Frequently asked questions

How do I make a claim? Show more

Depending on your insurance product, there are several ways to easily make a claim. Go to our How to make a claim page for instructions.

Our friendly claims staff will walk you through the process and help you get back on track. Every situation is different so don’t hesitate to give us a call if you have questions about your claim.

Do I get a hire car after an insured event occurs? Show more

You can add a hire car as an optional extra to your RACQ Comprehensive motor insurance policy. After an insured event you can get a hire car for up to 14 days, at (up to) $40 a day if you have added this optional extra to your policy. Silver, Gold and Gold 50 RACQ members who hold Roadside Assistance receive this benefit at no extra cost.

Is towing included in RACQ Comprehensive Motor Insurance? Show more

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.

I'm under 25, why do I have to pay an additional excess on my Comprehensive Motor Vehicle insurance? Show more

As a younger driver, you have less experience than other drivers on the road. Statistically, you are at a greater risk of having an accident. You may be liable to pay an additional excess on top of your policy’s basic excess. This additional excess, if applicable, will be listed on your quote as well as your Certificate of Insurance if you purchase the policy.

More Insurance FAQs

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 applicable Supplementary PDS before making a purchase decision on this product.

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

* Excludes pay later option.