We're a different kind of insurer

RACQ is owned by our members. You become an RACQ member when you insure with us*, so you can count on us to look after you. We know Queensland’s weather can be challenging, which is why we offer policies that protect your car and home from loss or damage from a storm, flood, hail or fire event. And if you need to talk to us, simply click, call or drop into an RACQ store. We’ll be by your side if things go wrong.

Blue information
Important changes to RACQ CTP Insurance
RACQ has withdrawn from Queensland’s Compulsory Third Party (CTP) Scheme, effective 1 October 2023.

Why choose RACQ Insurance?

  • hand-holding-dollar-sign
    In 2023, we paid over 99% of RACQ Comprehensive Car Insurance claims.+
  • star-circle
    Our car and home insurance has won more than 25 Mozo People's Choice Awards.
  • two-people-next-to-eachother
    We exist to serve our members and their communities, not shareholders.
  • callcentre-person
    Our Queensland-based team are here 24/7 when you need us – click, call or visit us in store.

See the difference your membership made last financial year^

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RACQ Foundation

$2.9 million funding

to Queensland community groups affected by natural disaster.


RACQ Choppers

3,229 air rescues

throughout Queensland.

RACQ kids playing soccer

Giving back

$9.9 million support

to Queensland charities and communities.

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60,705 students

educated on road safety and financial wellbeing.

Things to note

Insurance products (excluding Travel Insurance) 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.

CTP Insurance underwritten by RACQ Insurance Limited ABN 50 009 704 152. Visit racq.com for details. Conditions apply.

*RACQ membership is not available through CTP insurance and Travel Insurance.

+Based on RACQ data during the assessment period 1 January to 31 December 2023, 99.22% of comprehensive car insurance claims closed (excluding withdrawn and duplicate claims) were not partially or fully rejected.

^Figures based on FY 2023 statistics. See the FY23 For the Greater Good Report for more details.

RACQ Operations Pty Ltd (ABN 80 009 663 414 AR 000234978) and Members Travel Group Pty Ltd (ABN 45 144 538 803 AR 000432492) are acting as an Authorised Representative of the issuer of the insurance, Tokio Marine & Nichido Fire Insurance Co., Ltd. (ABN 80 000 438 291 AFSL 246 548). Any advice set out above is general in nature only, and does not take into account your objectives, financial situation or needs. Before purchasing any travel products, we recommend reviewing the RACQ Travel Insurance Product Disclosure Statement (PDS) and the Target Market Determinations (TMDs) that apply to these products. Whilst the PDS outlines the Terms and Conditions of these products, the TMD’s outline the intended class of customers that comprise the target market for these travel products. This will allow you to consider which products best suit your objectives, financial situation and needs and consider the products appropriateness to your personal circumstances. TMD’s also outline matters involving the distribution and the review of these products. The PDS and TMD’s for each travel product can be found here.