RAC Car Insurance

Comprehensive car insurance offers the most extensive level of coverage. RAC’s Comprehensive Car Insurance has the following inclusions:

• Coverage for accidental loss/damage, malicious damage, fire and theft, attempted theft, and damage by an uninsured vehicle
• Open driver cover allowing other licensed drivers to use your car with your permission
• Temporary cover for new cars, insuring your newly purchased car from the delivery date if you inform RAC within 14 days
• Agreed value coverage
• Hire car provision after fire, theft or attempted theft, including payment for standard daily hire fees
• Towing service for damaged cars, covering the reasonable cost of towing to an approved repairer or safe location
• Coverage for repair or replacement of your trailer, up to $2,000, if stolen or damaged while in your possession or attached to your car
• Windscreen or window glass repairs with no excess (a $100 excess applies for replacements, with no impact on your no-claims bonus)
• Coverage for lost or stolen keys, including replacement of locks up to the value of $2,000
• Coverage for stolen, damaged or lost personal belongings in a car incident covered by your policy, up to $500 in value
• Replacement of child car seat with a new one of similar standard, even without apparent damage, if your car is involved in a collision
• New car replacement for cars less than two years old and owned by the first registered owner if they are written off
• No-claim bonus discount, offering a policy discount for each claim-free year, with the option to protect the no claim bonus once reaching the maximum discount
• Accidental death benefit of $15,000 to the deceased driver’s estate if their death results from an incident involving the insured car within 12 months
• Coverage for emergency accommodation (more than 100 km from home), essential temporary repairs and completion of your journey