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.
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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.
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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.