Choose RACQ Comprehensive Car Insurance
At RACQ Insurance, we'll be by your side if things go wrong.
- Over 750,000 with RACQ car insurance^^
- Our Queensland-based team are here when you need us – click, call or visit us in store
- Get your online quote in four easy steps
Save $75 when you buy this policy online *
What does my RACQ Comprehensive Car Insurance cover?
Get up to speed on all the important details by reading our Product Disclosure Statement (PDS), any applicable Supplementary PDS and Target Market Determinations.
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Loss or damage to your vehicle in a flood, storm, hail, theft, accident, vandalism, or fire event -
New vehicle replacement if it’s written off in its first two years** -
Up to $20 million cover for damage to other people’s property caused by your car -
Choice of repairer and lifetime repair guarantee when we authorise your claim and you use an RACQ Selected Repairer -
Hire car or alternative mode of transport for up to 21 days (up to $75 per day) if your vehicle is stolen
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Cover for personal propertyWe pay up to $500 for personal property inside your vehicle that is damaged from being involved in an incident. -
Theft of vehicle keysWe pay up to $750 to replace and recode stolen vehicle keys and locks after any relevant excess is paid.
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Towing and storage costsIf your vehicle is not drivable after an incident we pay for towing and storage of your car for up to 30 days after an incident or theft (up to $100 a day).
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Change of vehicleIf you sell your vehicle and replace it with a similar vehicle, we automatically cover the new vehicle for 14 days.
Optional benefits for your RACQ Comprehensive Car Insurance
Find out more about the optional benefits you can add to RACQ Comprehensive Car Insurance, by reading our Product Disclosure Statement (PDS), any applicable Supplementary PDS and Target Market Determinations.
Additional hire car
Get a hire car for up to 21 days (up to $75 a day) if you are unable to use your vehicle as the result of an incident.
Excess free glass repair
Get one excess free windscreen or window glass claim during the period of your insurance.
No Claim Discount (NCD) Protection
If you have a Rating 1, you can protect this rating in the event of an at fault claim.~ Gold and Gold50 RACQ members receive this benefit at no extra cost.
Why choose RACQ Comprehensive Car Insurance?
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Trusted to insure Queensland drivers for over 50 years -
Choice of repairer and lifetime repair guarantee when we authorise your claim and you use an RACQ Selected Repairer.
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Our Queensland-based team are here when you need us – click, call or visit us in store.
Save with RACQ Comprehensive Car Insurance
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$75 online discountPurchase your comprehensive car insurance online and get a $75 discount.* -
Multi policy discountSave up to 5% off each eligible insurance policy when a policyholder has three or more qualifying RACQ policies.
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No claim discountBe rewarded when you don’t make a claim with up to a 60% discount on your premiums.
Award-winning insurance
Enjoy RACQ member perks today~~
Get a cracking good deal with $25 off windscreen replacement.
Drive further for less with 4 cents off per litre on fuel at participating Caltex service stations#.
Gear up for savings with 5% off in-store and online at Repco.
Drive away happy. RACQ Car Buying Service takes the hassle out of finding a new car.
Manage your car insurance
Contact us
Need help or would like to know more? RACQ offers many convenient ways for you to get in touch with us.
Comprehensive car insurance FAQs
Learn more about car insurance
Things to note
Insurance Products (excluding Travel Insurance) are issued by RACQ Insurance Limited ABN 50 009 704 152 (RACQI) and arranged by its agent, 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. RDS and RACQO are in the RACQ group of companies. One the companies in the RACQ group of companies has a minority shareholding in RACQI.
RDS and RACQO have not taken your personal objectives, circumstances or needs into account when preparing advice regarding insurance products and you will need to consider whether the advice is appropriate for you. Read the Product Disclosure Statement (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. 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.
RACQ Insurance may need to collect personal information from you to support you with your inquiry, assess your eligibility for any of our products or services, or to provide general support. By providing your details, you agree to RACQ Insurance collecting, holding, using, and disclosing your personal information pursuant to our Privacy Statement and Insurance Privacy Collection Notice, available from racq.com or you can request a copy.
*The online discount will be applied and deducted on the total annual premium amount payable on your new policy. Excludes pay later option and any policy renewals. Discount amounts may be pro-rated for cover of less than 12 months.
~Only applies to your first at fault claim during the period of insurance.
~~ Terms and conditions apply to all offers. View the individual offer for full details. Offer is subject to availability and may be withdrawn at any time without notice.
#Conditions apply. Offer available at participating Caltex service stations. Visit racq.com/caltex for details.
^^Based on RACQ data as at 5 August 2025, over 750,000 Queenslanders held RACQ motor insurance policies.
**Vehicle must be less than two years old at the time of the insurable incident and be deemed a total loss.