RACQ Car Insurance Review | Cover, Features & Extras | Savvy

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RACQ is one of the biggest car insurers and providers of roadside assistance in Queensland. Read our review to learn more about their services!

Written by , updated on February 16th, 2024

The Royal Automobile Club of Queensland (RACQ) is an organisation which provides a range of services, including car insurance and roadside assistance, to over 1.7 million Queenslanders. It also offers additional products and services in the areas of home, pet and travel insurance, banking and home and personal lending.

You can find out more about RACQ and the car insurance products it has on offer in our review. Learn more about the ins and outs of each of their policies and what they cover today!

Disclaimer: all coverage offered by RACQ is subject to the terms and conditions of your policy. Limits and exclusions apply. Please refer to your Product Disclosure Statement (PDS) or contact RACQ if you’re unsure about what is and isn’t covered.

Please note that Savvy does not represent RACQ for its car insurance products. All listed policies, inclusions and limits are correct as of June 2023.

What car insurance policies are available through RACQ?

RACQ offers the following types of car insurance to Australian drivers:

Comprehensive car insurance

Fire, theft and third party liability car insurance

Third party liability car insurance

Comprehensive car insurance

Comprehensive car insurance offers an extensive array of coverage options, encompassing various types of damage to your vehicle resulting from accidents, regardless of fault. RACQ’s comprehensive car insurance provides a host of features and benefits, including the following:

Loss of or damage to your car due to a collision, whether you’re at fault or not, fire, theft or weather, such as storm, flood or hail
Legal liability for damage to other people’s property caused by your car up to $20 million
Emergency repairs to ensure your vehicle is safe to drive (up to $500)
Cover for personal property or baby capsules and child seats damaged as a result of an insured event in your vehicle (both up to $500)
Cover for a rental car following the theft or attempted theft of your vehicle for up to 21 days and $75 per day
Cover for a rental car following a not-at-fault accident where the other driver is entirely responsible until your car is repaired or your claim is paid, up to $75 per day
Up to $750 for the replacement and recoding of stolen keys and locks on your car
Replacement of your vehicle for a new one in the event of a total loss if it’s purchased new or demo and within two years of initial registration
Salvage rights for vintage, veteran or classic cars
Reasonable cost of towing and storing your vehicle if it’s deemed unsafe to drive after a covered event (up to 30 days of storage)
Damage sustained to your trailer or caravan while attached to your vehicle or in your custody (up to $750)
Temporary replacement cover for your new car if you sell your previous one for up to 14 days from the date you sell it (up to its market value)
Choice of licenced repairer automatically included
Payout of $7,500 in the event of the fatality of you or another listed driver as a direct result of an incident that causes damage to or loss of your vehicle
RACQ lifetime repair guarantee

Fire, theft and third party liability car insurance

Fire, theft and third party liability cover, often known as Third Party Fire and Theft (TPFT) cover, is a level of insurance coverage that falls between RACQ’s Comprehensive and Third party liability car insurance. When you choose RACQ's TPFT cover policy, you may enjoy the following inclusions:

Loss of or damage to your car due to fire or theft
Legal liability for damage to other people’s property caused by your car up to $20 million
Emergency repairs to ensure your vehicle is safe to drive (up to $500)
Reasonable cost of towing and storing your vehicle if it’s deemed unsafe to drive after a covered event (up to 30 days of storage)
Damage to your vehicle caused by an uninsured motorist who was completely at fault (up to $5,000)
Choice of licenced repairer automatically included
RACQ lifetime repair guarantee

Third party liability car insurance

The lowest level of optional car insurance cover, Third Party Property Only (TPPO) cover is designed to offer protection to you against damage you might cause to other people’s property. RACQ’s TPPO cover can include the following:

Legal liability for damage to other people’s property caused by your car up to $20 million
Damage to your vehicle caused by an uninsured motorist who was completely at fault (up to $5,000)

Are there any optional extras available through RACQ?

Yes – RACQ offers several optional extras on their Comprehensive and TPFT cover policies. These are:

Hire car after a covered incident for up to 21 days (aside from theft)
No excess on one windscreen, window or sunroof glass claim for each period of insurance
No claim discount protection for the first at-fault claim in each period of insurance

What are some of the pros and cons of buying car insurance through RACQ?

Generous rental vehicle cover: if your vehicle is unable to be driven due to theft or another covered event, you can be covered for part of the cost of a rental car for up to 21 days.
Choice of repairer automatically included: many insurers offer policyholders a choice of repairer as an optional extra (or not at all), but RACQ includes this as standard on their comprehensive policies.
Driver fatality benefit: if you or another listed driver suffers a fatal injury while at the wheel of your vehicle as a result of a covered event, RACQ can also pay out $7,500 to the deceased’s estate.

No lifetime repair guarantee for third party liability cover: although the lifetime repair guarantee offered by RACQ is present on its comprehensive and fire and theft cover policies, this isn’t the case for its third party liability cover.
Available in Queensland only: if you live in another state or territory of Australia, you won’t have access to coverage for your vehicle through RACQ, as their car insurance is only available for vehicles registered in Queensland.

Common questions about RACQ car insurance

Can I purchase CTP insurance through RACQ?

Yes – RACQ does offer CTP insurance in Queensland at the time of writing. However, they’ve announced their intention to withdraw from the scheme as of October 1, 2023, so you won’t be able to purchase your CTP through them after this point if their withdrawal is successful.

What roadside assistance options are available through RACQ?

RACQ offers five different levels of roadside assistance cover, ranging from Everyday Lite to Ultimate Care, as well as a specialist service for RVs. These can be purchased separately from their car insurance policies, meaning you can take out roadside assistance without car insurance if you choose to.

What are the other benefits of being a RACQ member?

RACQ offers a range of additional benefits to its members. These include:

Loyalty discounts on its products and services
Discounts on experiences, shopping deals and gift cards
Optional subscriptions to various RACQ publications
RACQ’s Fair Fuel Price, enabling you to find the lowest prices for petrol in your area
Ongoing opt-in competitions with experiences up for grabs
Access to their in-house car broker service

How do I make a claim through RACQ?

You can submit your car insurance claim with RACQ either online, over the phone or in-store at one of their locations across Queensland.

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Disclaimer and important things you should know

Quantum Savvy Pty Ltd (ABN 78 660 493 194) trades as Savvy and operates as an Authorised Credit Representative 541339 of Australian Credit Licence 414426 (AFAS Group Pty Ltd, ABN 12 134 138 686). We are one of Australia’s leading financial comparison sites and have been helping Australians make savvy decisions when it comes to their money for over a decade.

We’re partnered with lenders, insurers and other financial institutions who compensate us for business initiated through our website. We earn a commission each time a customer chooses or buys a product advertised on our site, which you can find out more about here, as well as in our credit guide for asset finance. It’s also crucial to read the terms and conditions, Product Disclosure Statement (PDS) or credit guide of our partners before signing up for your chosen product. However, the compensation we receive doesn’t impact the content written and published on our website, as our writing team exercises full editorial independence.

For more information about us and how we conduct our business, you can read our privacy policy and terms of use.