Changes to RACQ Insurance

Hire car

You are covered for:

If you are unable to use your vehicle because it has been stolen, we will pay for the costs for you to hire a car chosen by us to replace your vehicle.

If you are unable to use your vehicle due to it being involved in a collision with another vehicle, and the driver of another vehicle is entirely responsible, we will pay for the costs for you to hire a car chosen by us to replace your vehicle.

To assist us in confirming who is at fault, where reasonably practical you should collect and provide us with the following details:

• the other driver’s full name, phone number and residential address and
• the make, type and registration details of their vehicle.

Limit:

Up to $75 per day to a maximum of 21 days of hire or alternative mode of transport if your vehicle is stolen.

Up to $75 per day if another driver is entirely responsible.

You are not covered for:

If your vehicle is unable to be used because it has been damaged while parked unless you can provide the other vehicle’s registration details.

Excess free glass repair

You are covered for:

If the ‘Excess free glass repair’ optional benefit is shown as ticked on your COI, you won’t have to pay an excess when you make a claim as long as:

• the incident occurs within the period of insurance,
• the claim is only for damage to your vehicle’s windscreen, window glass or sunroof glass, and
• you have not already claimed for this benefit during the period of insurance.

Additional hire car

You are covered for:

If the ‘Additional hire car’ optional benefit is shown as ticked on your COI and you are unable to use your vehicle as the result of an incident, we will pay for the costs for you to hire a car chosen by us to replace your vehicle.

Fire, Theft and Third Party Insurance & Third Party Property Damage Insurance

Fire, Theft and Third Party Insurance & Third Party Property Damage Insurance

In this section it is explained what limited cover you get for your car under Fire, Theft and Third Party Insurance, what benefits you have under both Fire, Theft and Third Party Insurance and Third Party Property Damage Insurance and how your cover works under both these levels of insurance.

Fire, Theft and Third Party Insurance & Third Party Property Damage Insurance - Included benefits

You are covered for:

Loss or damage to your vehicle arising from an incident involving a driver of another vehicle if:

• the incident occurs during the period of insurance,
• we agree the other driver was entirely responsible for the incident and
• we reasonably suspect they or the vehicle they were driving was uninsured at the time of the incident.

Fire, Theft and Third Party Insurance & Third Party Property Damage Insurance - Included benefits

You are not covered for:

If the other driver does have an insurance coverage but has not met their obligations under that cover.

You are not covered for:

A computer program or electronic system failing to process any form of data including day or date functions properly and accurately.

However if you have Motor Comprehensive Insurance, Fire, Theft and Third Party Insurance or Caravan and Trailer Insurance and any computer equipment or processor that forms part of your vehicle, caravan or trailer fails to process day or date functions properly and accurately and as a result, accidental damage occurs to your vehicle, caravan or trailer, we will pay for the damage (subject to the other terms of your policy), but we won’t pay for:

You are not covered for:

A computer program or electronic system failing to process any form of data including day or date functions properly and accurately.

However if you have Motor Comprehensive Insurance, Fire, Theft and Third Party Insurance or Caravan and Trailer Insurance and any computer equipment or processor that forms part of your vehicle, caravan or trailer fails to process day or date functions properly and accurately and as a result, accidental damage occurs to your vehicle, caravan or trailer, we will pay for the damage (subject to the other terms of your policy), but we won’t pay for:

• damage to the computer equipment itself.
• damage to the processor itself or any item containing the processor.
• the cost of repairing or modifying any computer equipment or processor so that functions relating to days or dates are properly and accurately processed.

Mobility Aid

A mobility aid is a motorised device such as a powered wheelchair or mobility scooter, normally having between 2 to 6 wheels and powered by electric motors.

• the loss or damage is caused to your contents while a vehicle is carrying them to your new home by:
  • fire,
  • flood,
  • road accident, or
  • water running off, overflowing or flowing over land from any origin or cause.

Charging Equipment

You are not covered for:

Loss or damage caused by the incorrect use, storage or installation of personal transportation device or electric vehicle charging equipment.

Loss or damage caused by the use of non-genuine or non-standard charging devices and non-Original Equipment Manufacturer devices (non-OEM) for personal transportation device or electric vehicle charging equipment.

Water

You are not covered for:

Replacement, refilling, or topping up of any water to any pool, sauna, water tank or water storage container.

Good condition means your insured home and contents are well maintained, free from material damage, decay and defects that could reasonably be expected to increase the likelihood or amount of loss or damage that contributes to or is caused by an insured event. This includes but is not limited to the home being:

• watertight,
• structurally sound,
• secure,
• well maintained without any unrepaired damage.

• The sub-limits below apply to all vet costs during the period of insurance after diagnosis of the following conditions:
  • Cruciate ligament conditions: up to an annual limit of $2,600 for all claims combined
  • Brachycephalic Airway Syndrome (BAS): up to an annual limit of $2,000 for all claims combined

Your boat includes and is made up of:

a hull - which includes any manufacturer’s accessories for the make and model of your boat,

motors - which includes any auxiliary and trolling motors,

trailer, 

masts, spars, sails and rigging,

boat tender and

any of the following we have agreed to cover:

• accessories
• modifications
• equipment

Accessories or modifications will only be deemed part of your boat if they are attached to or inside your boat when the incident happens.

Limit:

Up to $5,000 (this limit can be increased for an additional premium).

This section outlines what we include as your caravan or trailer under your policy. Your caravan or trailer refers to the caravan or trailer that is shown on your COI. For example, your caravan, camper trailer, box trailer or horse float.

As part of your caravan, or trailer, we also include:

• fixtures, fitting and appliances (including water tanks and pumps) that are permanently installed or attached.
• for caravan or camper trailer - generator plants, power systems, solar power panels and bottled gas cylinders and their enclosures when they are in or attached to the caravan or camper trailer.
• anything fitted by the manufacturer as standard equipment.
• any manufacturer’s optional equipment shown on your COI.
• modifications completed by a qualified tradesperson that we agree to cover.
• any annexe.

You are not covered for:

• Loss or damage caused by water entering your caravan or trailer through worn or deteriorated or incorrectly installed seals.