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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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Save $50 when you buy this policy online

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

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

Frequently asked questions

Under your RACQ Comprehensive Car Insurance policy, we cover your vehicle for loss or damage caused by an incident that happens during the period of insurance if your vehicle is damaged by a storm, hail or flood.

Please read your Product Disclosure Statement (PDS) and applicable Supplementary PDS, and log into your My RACQ profile to view your Certificate of Insurance. These documents will tell you what events and damages you are covered for, your insured amounts, any limits, conditions and excesses that apply.

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.

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 21 days, at (up to) $75 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.

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.

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.


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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.

## Exclusions apply. Please read the Product Disclosure Statement (PDS) and applicable Supplementary PDS for full details.

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

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

The Life and Income Protection Insurance suite of products described on this website is distributed by RACQ Operations Pty Ltd ABN 80 009 663 414, Authorised Representative Number 234978 (RACQO), an authorised representative of AIA Financial Services Limited ABN 68 008 540 252, AFSL 231109 (AIAFS) and is issued by AIA Australia Limited ABN 79 004 837 861, AFSL 230043 (AIAA). RACQO is a distributor only; it does not sell, issue or guarantee these products. AIAFS and other authorised representatives of AIAFS are also involved in distributing these products. Descriptions of product benefits and features are a summary only. You should consider factors like your objectives, financial situation and needs and read the relevant Product Disclosure Statement (PDS) available on this website before deciding to acquire or continuing to hold any of these products. The information on this website is general and does not take such factors into account so you should consider its appropriateness in the context of such factors. Cover is subject to terms, conditions, limitations and exclusions. AIA Australia has adopted the Life Insurance Code of Practice, which contains minimum standards of service that customers can expect from insurers. The Code can be found at