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Things you should know
You have a duty to us to take reasonable care not to make a misrepresentation. To make sure you meet this duty, please review your responsibilities below
When obtaining your quote it’s your duty to:
Please note: This duty applies when you take out, renew, extend or vary your insurance policy. If you breach your duty we may refuse to pay your claim. Any breach may also reduce the amount payable for a claim or result in your policy being cancelled. If your breach is fraudulent, we can also cancel the policy from the beginning.
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Owner occupied - you own the home or have a mortgage on the property and may also reside in the home without any tenants.
Landlord - you rent your property out to tenants.
Renter - you rent the property from a landlord.
An exclusion for ‘Disease’ applies to all household insurance policies. Please read the PDS, any applicable SPDS and KFS to ensure you are aware of what you are covered for and any changes.
House - a typical home that does not share any walls with neighbouring buildings OR a terrace or semi-detached home (with one common wall and a street house number). If your building is already covered under a Body Corporate scheme, please use Live chat now or call us on 13 1905 to discuss the best option for you; or continue with Contents only insurance cover. Duplex - a building that contains two units or townhouses that share at least one common wall Townhouse - a building designed as part of a block of houses on the same block of land that contains two units that share at least one common wall Unit - a block of units which has individual titles for each unit Flats- a building, owned by a single person or entity, that is divided into a number of self-contained areas
Home and contents Covers you for both your building and contents.
Home only Covers the building itself.
Contents only We cover your household goods and personal items located at the insured address.
If your building is already covered under a Body Corporate scheme, please use Live chat now or call us on 13 1905 to discuss the best option for you; or continue with Contents only insurance cover.
Please see the PDS, any applicable SPDS and KFS for more information.
What's the address of the property you want to insure?
99 Regent Crescent, KENMORE HILLS QLD 4069
Suite 1, Level 3 300 Queen Street, BRISBANE CITY QLD 4000
Q1, Unit 945 9 Hamilton Avenue, SURFERS PARADISE QLD 4217
You are an RACQ member if you have any of the following:
Excludes RACQ CTP Insurance and Travel.
Loyalty discounts are available to members with RACQ Roadside Assistance (excludes Business Roadside Assistance). Please visit RACQ Loyalty Discounts | RACQ to learn more about discount eligibility.
Your membership level is based on how many years of continuous membership you have and is represented by the colour of your membership card. To view your digital membership card, please log in to My RACQ.
Policyholders are eligible for a multi-policy discount if they already have two or more of the following policies with RACQ:
You may be eligible for a combined discount if you combine your Home and Contents Insurance for the same owner-occupied property. You can do this by contacting us on 13 1905.
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Please call RACQ on 1800 680 045 quoting {0} or use live chat to talk to an agent now.
Live chat is available 7 days from 9:30am to 9pm.
1800 680 045
Things to note
Before taking out insurance, please consider your financial needs and read the Product Disclosure Statement (PDS). Here is a copy of our Product Disclosure Statement (PDS), any applicable Supplementary Product Disclosure Statements (SPDS) and Target Market Determination (TMD).