RAA Car Insurance

This type of cover is a step down from comprehensive. Although it doesn’t come with cover for accidental damage to your vehicle, it does include protections against damage sustained due to theft, attempted theft and fire, as well as damage to other vehicles and property. RAA’s policy offers the following inclusions:

• Loss or damage to your car as a result of fire, theft or attempted theft
• Cover for your legal liability for loss or damage to third-party property resulting from the use of your vehicle, trailer or caravan, up to $20 million
• Cover for your legal liability in case of death or bodily injury to any person resulting from the use of your vehicle, up to a maximum of $5 million
• Coverage for a replacement vehicle for 14 days after selling or disposing of your vehicle
• Choice of repairer
• All legal costs and expenses reimbursed for an incident covered by the policy, with prior agreement
• Lifetime guarantee on repairs
• Cover for damage you cause to other people's property while driving an uninsured substitute vehicle, up to $20 million
• Cover for damage to your vehicle caused by an uninsured driver of an uninsured vehicle, up to $3,000
• Replacement baby capsule, booster or child seat if it is damaged or stolen while fitted to your vehicle
• Hire car for up to 21 days if your vehicle is stolen, up to $65 per day up to a maximum of 21 days
• Replacement car keys after theft, up to $1,000
• Transport cover for the return of your vehicle if it is recovered following theft
• The cost of towing and storing your vehicle until repairs can be made after a covered incident

The most basic form of optional car insurance in Australia, RAA’s Third Party Property Insurance is designed to cover damage caused to other people’s property, rather than to your own vehicle. The policy offers the following inclusions:

• Coverage for any legal liability you may face due to property damage caused by your vehicle, trailer or caravan, up to $20 million
• Coverage for legal liability for death or bodily injury to any person arising from the use of your vehicle, up to $5 million
• A replacement vehicle for a period of 14 days after you sell or dispose of your current vehicle
• Choice of repairer
• Reimbursement of all legal costs and expenses you incur in relation to an incident covered by the policy, with prior agreement
• Lifetime repair guarantee
• Cover for your legal liability for loss or damage to other people's property while driving an uninsured substitute vehicle, up to $20 million
• Cover for damage to your vehicle caused by an uninsured driver/ vehicle, up to $3,000