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RACQ premiums are priced individually, so there is no single figure that represents what most customers pay. Whether a quote is good value depends on the policy type, cover, excess, optional benefits and payment choices—not just the amount due. This review focuses on RACQ insurance pricing and value; car-specific details below apply to RACQ car insurance, not automatically to home or other policies.
What does “RACQ premium” mean?
A premium is the amount charged for an insurance policy. RACQ offers different insurance products, and their terms and pricing are not interchangeable. A car quote should be assessed against car cover; a home quote should be checked against the home policy’s own sums insured, excesses, options and exclusions.
RACQ says a premium can change each year even when a customer’s personal circumstances have not changed. A renewal price is therefore not, by itself, evidence that cover has improved or worsened. Check what changed in the price and compare the policy’s actual terms before deciding.
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RACQ says its pricing can reflect several factors, including:
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- The customer and risk: age, gender and driving history, as well as location and exposure to weather, theft or other claims.
- The insured asset: for a car, make, model and year; for property, construction and age.
- Cover selected: the type of cover, sum insured and optional benefits.
- Cost-sharing and payment: the excess selected and whether the premium is paid monthly or annually.
These factors mean two people—or two policies covering different assets—may receive different prices. RACQ’s explanation does not establish a typical customer premium or a universal renewal increase. See RACQ’s premium explainer for its description of pricing factors.
What should you check in the policy documents?
The quote summary alone is not the complete contract. RACQ explains that a Product Disclosure Statement (PDS) sets out policy terms, cover, exclusions and claims rules. A Supplementary PDS (SPDS) records subsequent changes; the Additional Information Guide (AIG) contains pricing, discount and excess information; and a Target Market Determination (TMD) describes who the product is designed for.
RACQ’s catalogue lists motor vehicle PDS RCMV2.1224 for new covers and renewals from 9 December 2024, SPDS RCMV9.0126 from 7 January 2026, and AIG RCMV8.0526 from 1 May 2026. Applicability depends on the policy’s cover start date, so use the Certificate of Insurance to identify the documents that apply to your own policy. Check the latest relevant RACQ insurance documents rather than assuming a document listed for another start date governs your cover.
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Rank #2
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For home insurance, use the home policy’s PDS and related documents. RACQ says it automatically increases a home sum insured at renewal, while customers can request an increase or decrease. Review the building and contents sums insured, excesses, optional cover and exclusions against the documents for that product; car-policy terms do not answer those questions.
Is RACQ car insurance good value for the price?
There is not enough evidence here to rank RACQ’s car premiums against other insurers or say whether its price is generally high or low. A useful comparison is a like-for-like quote: align the cover, insured value, excess and options, then compare the total amount payable and the claim conditions.
RACQ’s car insurance comparison guidance identifies these points to review:
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- Policy type, insured value and the events covered or excluded.
- Standard and optional benefits, including hire-car and glass provisions.
- Excesses for different events and the effect of any excess adjustments.
- Listed modifications and other policy exclusions.
- Claims support, repairer choice and repair guarantees.
- Liability protection and roadside assistance arrangements.
- Discount eligibility, statutory charges and payment fees.
RACQ’s comparison guide states a $20 million liability limit for each RACQ car insurance policy. Confirm the limit and all other terms in the PDS that applies to your cover. A higher excess can lower the premium but leaves you paying more when making a claim; a lower excess has the reverse trade-off.
Compare the annual total, including statutory charges and any payment fees—not merely a displayed base premium. Also check which parts of the premium a discount applies to, and whether the quote’s insured value and optional benefits match the alternative quote. RACQ’s car insurance comparison guide sets out its suggested comparison criteria.
Does RACQ car insurance include roadside assistance?
No. RACQ says its car insurance policies do not include roadside assistance, so a breakdown-service membership or arrangement should be considered separately. This is different from towing after an insured accident or theft: RACQ’s comprehensive car insurance page describes payment of reasonable towing and storage costs up to $100 per day for up to 30 days. That stated benefit is subject to the policy terms applicable to the customer.
Rank #4
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Check the current comprehensive car insurance details and relevant PDS for the circumstances, limits and conditions. Accident-related towing and storage should not be treated as a substitute for breakdown roadside assistance.
Independent reader supportYour contribution helps us test, update, and keep practical guides available for everyone.What do RACQ’s complaints figures show?
RACQ’s FY2025 annual report recorded 44,478 total insurance complaints, a 23.9% increase on the prior year. It identified pricing concerns and claims management as key drivers. The report also listed 1,076 insurance complaints to the Australian Financial Complaints Authority (AFCA) in FY25, compared with 892 in FY24.
These are counts reported by RACQ, not complaint rates per policy, and they do not establish how a particular customer’s claim will be handled. Without a comparable rate and consistent basis across insurers, the figures should not be used to claim that RACQ is better or worse than the market. The source is RACQ’s FY2025 annual report.
Best Value
- 【HIGH QUALITY】: made of premium PU leather and durable vinyl PVC, strong and firm enough for your long-term use.
- 【SAFE PROTECTION】: this insurance card holder keeps your document free from tearing, bending or being ruined by moisture.
- 【TIME SAVER】: clear inner pouches design helps you identify the correct document quickly with one glance.
- 【WIDE RANGE OF USES】: can store your bills, insurance cards, vehicle registration and other essential paperwork.
- 【SPECIAL GIFT】: beautiful sleek and trim design. This car document holder is a good gift for yourself, your lover, friends and family.
How should you interpret RACQ’s discount information?
An ASIC Federal Court concise statement filed on 22 February 2023 describes a historical calculation sequence in which discounts were applied to base premiums before optional-benefit premiums and certain household unoccupancy premiums were added. In that historical period, those added portions were left undiscounted. The filing is historical context; it does not establish how current RACQ premiums are calculated.
RACQ’s current discount information separately cautions that discounts may not apply to statutory charges, parts of the premium associated with payment frequency, optional benefits or excess adjustments. Ask for a breakdown of the quote and check the AIG for the applicable policy version so you can see which premium components receive a discount. See ASIC’s 2023 concise statement and RACQ’s discount information.
Quick Recap
Before you accept or renew a RACQ quote
- Confirm the product and policy version. Use the Certificate of Insurance to identify the PDS, SPDS and AIG that apply to the policy’s cover start date.
- Check the insured amount. For car insurance, confirm the insured value; for home insurance, review building and contents sums insured and any renewal adjustment.
- Compare excesses and cover. Match excesses by event, exclusions, included benefits and optional add-ons against another quote.
- Check the full cost. Include statutory charges and payment fees, and establish which parts of the premium a discount affects.
- Compare equivalent policies. For car cover, include claims and repair arrangements, liability protection, hire-car and glass provisions, and separate roadside assistance in the comparison.
Product prices and availability are accurate as of the date/time indicated and are subject to change. Any price and availability information displayed on Amazon at the time of purchase will apply.
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