Choose RACQ Comprehensive Car Insurance
At RACQ, we're owned by our members, which means we'll be by your side if things go wrong.
- Over 700,000 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 $25 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.
RACQ Comprehensive Car Insurance optional benefits
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.
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Additional hire carGet 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.
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Excess free glass repair coverGet one excess free windscreen or window glass claim during the period of your insurance. -
No Claim Discount (NCD) ProtectionIf 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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We paid over 99% of RACQ Comprehensive Car Insurance claims in 2023.+ -
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. -
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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$25 online discountPurchase your comprehensive car insurance online and get a $25 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
RACQ are the proud winner of the 2024 Canstar Most Satisfied Customers – Car Insurance Queensland award, plus the 2023 Mozo People’s Choice Award for Outstanding Customer Satisfaction and the 2023 Mozo People's Choice Award for Most Recommended for Car Insurance in Queensland.
Enjoy RACQ member perks today~~
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 (RACQ). Conditions, limits and exclusions apply. This is general advice only and may not be right for you. This information does not take your personal objectives, circumstances or needs into account. 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.
For policies effective from 9 December 2024, Third Party Property Damage Insurance is the new name for Third Party Liability Car Insurance.
For policies effective from 9 December 2024, Fire, Theft and Third Party Insurance is the new name for Fire, Theft and Third Party Liability Car Insurance.
*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 and Puma Energy service stations. Visit racq.com/caltex for details.
+Based on RACQ data during the assessment period 1 January to 31 December 2023, 99.22% of comprehensive car insurance claims closed (excluding withdrawn and duplicate claims) were not partially or fully rejected.
^^Based on RACQ data as at 11 November 2024, over 700,000 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.