We’re here to help you save on your RACQ insurance premium. 

There are heaps of ways to save on your RACQ insurance. You may qualify for more than one of the great discounts listed below. You can also reduce your premium even more by increasing your voluntary excess.

These discounts are applied to RACQ insurance premiums, not to government taxes or levies.

Online discounts

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

Insurance type Online discount amount
Combined Home and Contents Insurance
Save $75 Get a quote
Home Insurance
Save $50 Get a quote
Contents Insurance
Save $25 Get a quote
Renters Insurance
Save $25 Get a quote
Comprehensive Car Insurance
Save $50 Get a quote
Pet Insurance
Save $50 per pet* Get a quote

*Maximum of 4 pets/$200 discount per policy.

At RACQ, we value your loyalty. 

Get great discounts based on your loyalty level or number of policies you have with us.

Combined discounts

Save up to 13% when you combine your home and contents for the same property—which is owner occupied.

Get a 5% discount on your Life Insurance premium from RACQ whilst you hold both a RACQ Life Insurance Policy and an eligible AIA Health Insurance policy.

Save up to 5% when you have two or more of the following motor vehicle coverages—in any combination on the one policy:

  • Comprehensive Car Insurance (Private and Business)
  • Motorcycle Insurance
  • Caravan and Trailer Insurance
  • Third Party Liability Insurance
  • Fire, Theft and Third Party Insurance.

Get a quote

Multi policy discounts

If you have three or more of the following RACQ qualifying insurance covers (in any combination), you’ll get up to an additional 5% off each of your qualifying policies.

Each of the following counts as one (1) cover:

  • Motor Comprehensive Car Insurance
  • Third Party Liability Insurance
  • Fire, Theft and Third Party Liability Insurance
  • Motorcycle Insurance
  • Home and/or Contents Insurance
  • Pet Insurance
  • Caravan and Trailer Insurance
  • Boat Insurance.

Get a quote

Roadside Assistance loyalty discounts and benefits

The longer you’ve been a member of RACQ and have Roadside Assistance, the higher your discount.

Insurance type Blue Bronze Silver Gold Gold 50+ Years
Comprehensive Car Insurance*  5% discount  7.5% discount 10% discount plus Hire car after an event at no extra cost**  12.5% discount plus No claim discount protection^ and Hire car after an event at no extra cost** 17.5% discount plus No claim discount protection^ and Hire car after an event at no extra cost**
Other Motor Vehicle Insurance^^* 2.5% discount 5% discount 10% discount 12.5% discount 17.5% discount
Home and Contents Insurance* 2.5% discount 7.5% discount 10% discount 12.5% discount 17.5% discount
Caravan and Trailer Insurance* 2.5% discount 5% discount 10% discount 12.5% discount 17.5% discount
Boat Insurance* 2.5% discount 7.5% discount 10% discount 12.5% discount 17.5% discount
Pet Insurance* 2.5% discount 7.5% discount 10% discount 12.5% discount 17.5% discount

Get Roadside now

* Loyalty benefits do not apply to business members. Refer to pages 19-22 of the Welcome to RACQ brochure for full terms and conditions.

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

***Conditions, limits and exclusions apply.

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

^^ Refers to Motor Fire, Theft and Third Party Liability, Comprehensive Motorcycle, Classic Car and Unique Insurance. Excludes Compulsory Third Party (CTP) Insurance, Fleet and Small Business Insurance, Enthusiast Car Insurance and Enthusiast Motorcycle Insurance. Conditions apply for Rating 1 No claim discount protection.


We like to reward excellent drivers. 

See what you could save on your Comprehensive Car Insurance by being a good driver.

Driver Excellence Bonus

Be rewarded for your exceptional driving history.  If you have Comprehensive Car Insurance, you could get:

 

• up to 5% off – if you hold a Rating 1 for 5 or more continuous years

• up to 10% off – if you hold a Rating 1 for 10 or more continuous years

Rating-1-for-Life

If you’ve held a Rating 1 for one year with any insurer and have not made any at-fault claims in that time, you will be rewarded with our Rating-1-for-Life.

With our Rating-1-for-Life, we won’t reduce your No Claim Discount if you make an at-fault claim. Please note that claims may affect the terms of your policy upon renewal, or other Comprehensive Car Insurance policies you take out in the future. If you haven’t held insurance in the last 12 months, we’ll still recognise your driving history and, if eligible, we’ll reward you with our Rating-1-for-Life.

Get a No Claim Discount on your annual premium on the below insurance policies

Comprehensive Car Insurance  Up to a 60% discount 
Third Party Liability or Fire, Theft and Third Party Insurance  We’ll recognise your driving history when you upgrade to Comprehensive Car Insurance. You’ll be awarded the equivalent rating based on your insurance history
Motorcycle Insurance Up to a 20% discount
Home and Contents Insurance Up to a 4% discount
Household Excellence Bonus  Up to a 3% discount for 5-9 claim free years of household insurance
Up to a 6% discount for 10 or more claim free years of household insurance
Caravan and Trailer Insurance Up to a 60% discount
Boat Insurance Up to a 25% discount

How does the No Claim Discount work?

Motor (including car, motorbike, caravan and trailer)

The No Claim Discount amount you are offered is based on: 

  • the number of at fault claims the main driver has had in the last three (3) years; and 
  • the number of years the main driver has held a driver’s license (excluding the time on a learner’s license).

Boat

The No Claim Discount amount you are offered is based on: 

  • the number of at fault claims the insured has had in the last three (3) years; and
  • the number of years the insured has held boat insurance in the last three (3) years.

Household

The Household No Claim Discount amount you are offered is based on the number of home insurance claims you have had in the last 12 months.

Home Excellence Bonus

The Household Excellence Bonus (HEB) is based on the amount of years you have held home and/or contents insurance and the number of claims you have made in that time.

Rating-1-for-life

You qualify for a Rating 1 for life if you:

  • Have a Comprehensive Car Insurance policy; and
  • Don’t make any at fault claims for 12 months while you are a Rating 1 with 60% No Claim Discount.

Once you have a Rating 1 for life, we won’t reduce your No Claim Discount if you make an at fault claim. However, any claim or incident may affect the terms that apply to your policy at your next renewal (including your premium or excess). 

Security discounts

If you take the precaution of adding security alarms to your home or car, we’ll reward you. Here’s how: 

Car alarm  Get up to a 5% (maximum $20) discount on Comprehensive Car Insurance, and Fire, Theft and Third Party Liability Insurance when you install an after-market alarm or an engine immobiliser 
Home alarm  Get up to a 10% discount on Contents Insurance when you have an alarm that is monitored 24/7 by a monitoring facility

Apartment discount

Get up to 15% off your contents premium if you live in a unit or flat.

Get up to 20% off your contents premium if you live in a duplex or townhouse.

Age discounts

Get rewarded with discounts on your insurance if you're either an owner-occupier or tenant^.

Over 55s discount*  Up to a 10% discount on Home Insurance 
Up to a 15% discount on Contents Insurance and Renters Insurance
Seniors discount>  Up to a 15% discount on Home Insurance 
Up to a 25% discount on Contents Insurance and Renters Insurance

^ Only one age discount can be applied to a policy (Over 55s or Seniors discount).
* At least one nominated insured must be aged 55 yrs or over. Not available for landlords.
> You must hold a qualifying Seniors Card. Not available for landlords. 

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.