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RAC Basic Contents Insurance is available to renters in Western Australia, but it is limited-event cover: the core protection is for fire and theft, not a broad range of damage to belongings. RAC states a maximum contents sum insured of $25,000. Whether that is enough depends on your replacement inventory, the policy’s item limits and excess, and whether you need protection for valuables away from home.
What RAC Basic Contents covers renters for
RAC describes Basic Contents Insurance as cover for contents at the insured address against fire and theft. The policy wording and the events listed in the applicable policy documents determine whether a particular loss qualifies; the words “fire” and “theft” should not be read as a promise to cover every circumstance involving fire or a break-in. RAC says covered items may be repaired or replaced on a new-for-old basis, subject to the policy conditions and the amount on your schedule.
The product is not broad all-events contents insurance. RAC’s Key Facts Sheet, prepared 12 January 2021, lists flood, storm, accidental breakage, earthquake, lightning, malicious damage, impacts and escape of liquid as events not covered by this basic policy. Because that sheet is older and is not an insurance contract, confirm the event terms in the PDS and any applicable SPDS for your policy.
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Check whether the limit matches your belongings
Make a room-by-room list of what you would need to replace after a covered loss, using realistic replacement prices rather than what you originally paid. Include furniture, clothing, kitchenware, computers and other electronics, plus belongings stored at the insured address. If the total is above $25,000, this basic product cannot insure the full replacement value; RAC directs customers with more contents to consider its broader Contents Insurance.
The overall sum insured is not the only ceiling. The PDS places category limits on some belongings, so a claim can be restricted even if the total value of your contents is below the overall cap. Examples in the PDS include:
| Category | Example PDS limit |
|---|---|
| Bicycles and scooters | Up to $1,000 |
| Computers and associated equipment | Up to $5,000 combined |
| Entertainment equipment | Up to $7,500 |
| Photographic equipment | Up to $1,000 |
| Tools of trade | Up to $2,000 |
| Watches and jewellery | Up to $2,000 per item or set, with a $5,000 total limit |
These are examples from the PDS, not a guarantee that every policy schedule has identical terms. Check the current wording and your schedule for definitions, applicable caps and any conditions that affect your items.
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Know where and how stored contents are treated
RAC’s product page advertises cover for contents in secure storage against fire and theft up to $5,000. The TMD sets a $500 limit for contents kept in the open air at the insured site. These limits do not make general weather, water or accidental damage covered; the event and storage conditions in the applicable policy still matter.
What the policy does not replace for a renter
This is contents insurance, not insurance for the landlord’s building. The PDS does include limited cover for qualifying fixtures and structural improvements owned by a tenant, generally up to $5,000 and subject to the total sum insured and other policy conditions. That is not a substitute for building cover.
The PDS also provides tenants with legal liability cover for qualifying incidents anywhere in Australia. It can apply to certain damage to property belonging to the landlord and used by the tenant, or bodily injury or damage to someone else’s property. The maximum is $20 million for any one event, inclusive of legal costs, and exclusions and other conditions apply. Read the PDS rather than treating the limit as automatic protection for every liability claim.
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Personal Valuables is optional cover for eligible items away from home
Personal Valuables cover costs extra and is not automatically included with Basic Contents. RAC describes it as cover for accidental loss or damage anywhere in Australia for eligible listed valuables normally kept at the insured address. The PDS identifies possible categories including clothing and luggage, glasses and personal medical equipment, jewellery and watches, portable electronic devices, and sporting or recreational items.
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The PDS distinguishes two approaches:
- Unspecified valuables: items are covered under selected per-item or per-set and per-claim caps. The PDS options include maximum item or set limits of $500, $600, $800 or $1,000, and per-claim limits of $2,000, $3,000, $4,000 or $5,000.
- Specified valuables: an item is listed individually for the amount recorded on your schedule.
Do not assume that every portable item qualifies or that an item is covered simply because it is taken outside the home. The PDS excludes, among other situations, valuables intentionally left unattended in a public place or in an unlocked or unsecured vehicle. Before adding the option, check the current available limits, premium, valuation requirements and exclusions, and ensure the schedule records the cover you intend to buy.
Factor the excess and premium into the decision
RAC’s PED Guide lists a $200 basic excess for contents and a separate $200 basic excess for Personal Valuables. If one incident leads to claims under both sections, both excesses can apply. Consider whether a likely claim would exceed the relevant excesses and any item limits by enough to make claiming worthwhile.
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There is no representative renter premium in the official materials described here. RAC says premiums depend on factors including location, sum insured, building construction, age, claims history, payment frequency, operating costs, government charges and discounts; the list is not exhaustive, and premiums are likely to change at renewal. The PED Guide describes alarm and RAC membership discounts, subject to eligibility and minimum-premium rules. Get an individual quote and check the payment and renewal terms instead of relying on a generic price.
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RAC’s TMD identifies tenants in furnished dwellings, singles in small apartments, residents of self-contained retirement dwellings and strata dwelling owners among examples of potentially suitable customers. That is an indication of the product’s intended market, not a finding that it suits every renter.
The same TMD flags potential poor fit where contents are not reasonably protected, a home is unoccupied for more than 60 consecutive days, a building is primarily commercial or undergoing inadequately protected renovation, or a rented house has more than three unrelated occupants. It also flags people seeking business-use valuables cover or valuables cover while unattended in a public place. Confirm current eligibility and intended-market information with RAC before relying on the TMD, which is effective from 25 August 2021 and says it should be reviewed no later than every two years.
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When to compare broader cover
Compare RAC’s broader Contents Insurance and other policies if your replacement inventory exceeds $25,000, you need cover for events such as storm or accidental damage, or you want protection that better fits valuable portable belongings. RAC says its broader Contents Insurance offers a wider event range and higher sum insured options. Compare policy wording, not just headline limits:
- Which events are insured, especially flood, storm and accidental damage?
- Does the sum insured match a realistic replacement inventory?
- What category limits apply to jewellery, electronics, bicycles and tools?
- How are valuables covered away from home, and what unattended-item exclusions apply?
- What are the standard and additional excesses?
- What eligibility, occupancy, payment and claims-settlement conditions apply?
- Which PDS, SPDS and schedule version would govern the policy?
Use the documents that apply to your policy
RAC’s document index lists a Combined PDS/FSG for policies commencing on or after 25 February 2021, an SPDS for policies commencing or renewed on or after 14 November 2023, and a PED Guide for policies starting on or after 4 October 2024 or renewed on or after 1 November 2024. The SPDS, prepared 28 September 2023, amends the PDS, including the duty to take reasonable care not to make a misrepresentation and the cooling-off provision. The Key Facts Sheet was prepared 12 January 2021 and is explicitly not an insurance contract.
Use the PDS, any applicable SPDS, the relevant PED Guide and your policy schedule together. RAC says renters can request a quote online or by phone; the quote and schedule will show the cover and choices being offered for the particular risk.
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