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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% ongoing discount on your Life Insurance premium from RACQ whilst you hold both a Life Insurance and a Health Insurance policy from RACQ.

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 5% discount 10% discount 12.5% discount 17.5% discount
CTP Insurance Save $10 off your annual Roadside Assistance***
Caravan and Trailer Insurance* 2.5% discount 5% discount 10% discount 12.5% discount 17.5% discount
Boat Insurance* 2.5% discount 5% discount 10% discount 12.5% discount 17.5% discount
Pet Insurance* 2.5% discount 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.

***Applies only to 12 month renewals. 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, and are 25 or over you could get:

  •  up to 5% off—if you hold a Rating 1 and have been driving continuously for 5-9 years
  •  up to 10% off—if you hold a Rating 1 and have been driving continuously for 10 years or more.

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 discount on your annual premium if you haven't made a claim in the last 12 months on the below RACQ 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

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% 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 20% off your contents premium if you live in a unit, duplex, townhouse, or flat.

Age discounts

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

Over 55’s 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 55’s 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. 

Choose your voluntary excess

With most RACQ insurance policies, you can pick from a range of excesses. 

You can choose to:

  • increase your excess to reduce your premium
  • decrease your excess to increase your premium—but save at claim time.

It’s your choice.

Get a quote

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. Please read the PDS before making a purchase decision on this product. Any general advice relating to this product at racq.com is provided by RACQ.