Because accidents happen, you need accident insurance

RACQ's Accident Insurance helps to protect you and your family against the financial consequences of a serious accident.

Two types of cover are included:

  • Accidental Death cover pays up to $1 million if you die as a result of an Accident.
  • Accidental Serious Injury cover pays up to $100,000 if you suffer an Accidental Serious Injury Event.
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Your cover at a glance:


Accidental Death cover Cover from $150,000 up to $1 million
$15,000 advance payment An up-front payment to assist your family with immediate expenses such as funeral costs if you die as a result of an Accident
Accidental Serious Injury cover Cover from $25,000 to $100,000 for specific events such as Paralysis by Accident
Bonus cover on selected benefits The amount you're insured for increases by an extra 1% a year for the first 10 years of your cover
Immediate cover Once your application is accepted you are covered
Global coverage You are covered worldwide 24/7 when you travel
RACQ member rates RACQ has negotiated rates for our members plus an extra 5% off for joint policies and a 10% discount when you buy online
No medical or blood tests Apply online or by phone with no medicals or blood tests
AIA Vitality Access to a personalised, scientifically-backed health and wellbeing program plus get 10% off your Accident Insurance premium based on your AIA Vitality Status at your next Policy Anniversary*

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.

Options available for an additional cost:


Children's Accident cover Apply for up to $25,000 to support your family if your insured child suffers an event such as: Severe Burns or a Major Head Trauma

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.

These discounts may be available to you:


Joint policy discount A 5% discount for joint policies for you and your partner

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.

Get a quote Read the PDS FAQ's

AIA Vitality - Benefits and discounts

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Up to 50% off flights

Man lifting weights in gym

Up to 50% off gym memberships

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Up to $650 in shopping vouchers

Learn more about AIA Vitality benefits and discounts > 

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*Achieve or maintain your AIA Vitality Status - Silver, Gold or Platinum and you’ll get 10% off your Accident Insurance premium at your next Policy Anniversary Date.

Disclaimer

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 www.fsc.org.au.

AIA Vitality partners, benefits and rewards are subject to change at any time. For the most up-to-date information and to view the AIA Vitality Terms and Conditions see aiavitality.com.au. Partner terms and conditions may also apply.