Insurance discounts

Things to note

Insurance Products (excluding Travel Insurance) are issued by RACQ Insurance Limited ABN 50 009 704 152 (RACQI) and arranged by RACQ Distribution Services Pty Ltd (RDS) ABN 35 116 361 650, AFSL 567130 and RDS' authorised representatives (including RACQ Operations Pty Ltd ABN 80 009 663 414, AR No. 234978 (RACQO)). Conditions, limits and exclusions apply.

Any advice provided by RDS and RACQO is general advice only and does not take into account your personal objectives, financial situation or needs and you will need to consider whether the advice is appropriate for you. Read the Product Disclosure Statement (PDS) before making a purchase decision on the product. You can also access our Target Market Determinations on this website.

RDS receives a commission from RACQI for the policies it arranges. RACQO receives fees paid for services it provides to RDS. Further details about remuneration are available on request prior to purchasing.

We don’t apply any premium discounts to any government statutory charges such as GST and Stamp Duty nor to the portion of your premium which relates to payment frequency. Discounts may also not apply to the portion of your premium associated with optional benefits or your decision to adjust your excess amount. Read the applicable PDS and SPDS for further information regarding RACQ’s insurance discounts.

Your insurance policy or cover will be assessed for premium discount or member benefit eligibility at the time of a new application. If you decide to take out an additional policy or cover mid-term, and it meets our criteria for eligibility, the premium discount or member benefit will only apply on this newly added policy or cover. The remainder of your existing policies or covers will be assessed for premium discount or member benefit eligibility at the time of renewal.

¹Online discount
The online discount applies to the total annual premium of new policies only. It excludes pay later options and policy renewals. To obtain the discount you need to get a quote online and purchase the policy online. Any applicable discounts may be subject to minimum premiums and will only apply once a minimum premium is reached. When we determine your premium on renewal, we may also limit any increases or decreases in your premium by considering factors such as your previous year’s premium amount. The online discount for pet insurance is limited to a maximum of 4 pets/$200 discount.

²Multi policy discount
The multi policy discount is only available if any policyholder has three or more of the following policies:  

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

⁴No claim discount

Motor insurance (including car, motorbike, caravan and trailer)
The no claim discount amount you are offered for motor vehicle, caravan and trailer insurance is based on:  

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

You qualify for a Rating 1 for life if you:

• have a comprehensive car insurance policy; and 
• don’t have 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). 

Boat insurance
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. 

⁶Home combined discount
The combined discount is only available if you are the owner-occupier and take out a combined Home and Contents Insurance policy. 

Roadside assistance loyalty discount
¹³Loyalty benefits do not apply to business members. Refer to Membership Terms and Conditions.
¹⁴Excludes Compulsory Third Party (CTP) Insurance, and Fleet and Small Business Insurance.

^Gold50 Comprehensive Car Insurance discount includes additional hire car at no extra cost. Incidental costs associated to hire car e.g., petrol, will still apply.