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There is no single RACQ insurance premium that can be called typical: the price depends on the policy, the insured asset, personal circumstances and cover choices, and it may change at renewal. This review focuses on RACQ insurance pricing and value. Car-specific terms below apply only to RACQ car insurance; home policies have different documents and cover.
What an RACQ premium tells you—and what it does not
A premium is the price quoted for a particular policy and set of details, not a standard RACQ rate. RACQ says premiums can change each year even when a customer’s individual circumstances have not changed. A quote is therefore useful as a snapshot for that risk, cover and date; it does not establish what other RACQ customers pay.
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RACQ identifies several factors that may affect the amount:
- Customer and risk history: age, gender and driving history.
- Location and exposure: where the insured car or property is, including exposure to weather, theft or other claims.
- Insured asset: for a car, its make, model and year; for property, construction and age.
- Cover choices: type of cover, selected sum insured and optional benefits.
- Price settings: excess and whether payment is monthly or annual.
RACQ’s explanation of these factors is at How is my RACQ Insurance premium calculated?
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Which policy and documents are you reviewing?
RACQ offers multiple insurance lines, so car terms should not be carried over to home or another policy. For any product, check the Certificate of Insurance and the policy documents that apply to your cover’s start date. RACQ explains that the PDS sets out terms, cover, exclusions and claims rules; a Supplementary PDS (SPDS) records later changes; the Additional Information Guide (AIG) contains pricing, discount and excess information; and the Target Market Determination (TMD) describes suitability.
Document versions can change. RACQ’s disclosure catalogue, accessed 7 October 2026, 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. RACQ says applicability depends on the cover start date, so use your own Certificate of Insurance to confirm which documents govern your policy. See RACQ insurance documents.
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How to assess RACQ car insurance value
For car insurance, a lower quoted premium is not automatically better value. Match the cover before comparing the price: RACQ’s comparison guide recommends checking cover type, excess, insured events and exclusions, optional benefits, claims and repairs, liability cover, and discounts. Its 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 policy.
Use these items to compare an RACQ quote with another quote:
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- Total annual cost: include statutory charges and any payment-frequency fees, not just the headline premium.
- Insured value: compare the same sum insured or agreed value basis, as applicable.
- Cover and excess: match policy type and check excesses for different claim events.
- Benefits and exclusions: compare optional benefits, excluded events, listed modifications, hire-car and glass provisions.
- Claims arrangements: review repairer choice, repair guarantees and claims support.
- Liability and assistance: compare liability limits and whether roadside assistance is included or needs to be arranged separately.
- Discounts: check eligibility and which portions of the premium a discount applies to.
RACQ’s guide to the comparison factors is What factors should I consider when comparing car insurance policies?
Set the excess against your likely out-of-pocket cost
A higher excess generally reduces the premium but leaves you paying more if you make a claim; a lower excess has the opposite trade-off. Compare the excess for each relevant event, not only the amount shown most prominently on the quote. Consider whether you could comfortably pay it when a claim occurs.
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Do not treat accident towing as breakdown roadside assistance
RACQ says its car insurance policies do not include roadside assistance. Its comprehensive car insurance page describes reasonable towing and storage after an accident or theft, up to $100 per day for up to 30 days. That benefit is not breakdown assistance, and the applicable policy wording controls. Check RACQ comprehensive car insurance and your PDS for current terms.
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Do not use car-policy cover details to judge a home premium. RACQ says it automatically increases a home sum insured at renewal, and customers can request an increase or decrease. Check the building and contents sums insured, applicable excesses, optional cover and exclusions against the home policy’s current PDS and AIG. The disclosure catalogue identifies the documents by product and cover start date.
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What RACQ’s complaint figures can—and cannot—show
RACQ’s FY2025 annual report recorded 44,478 total insurance complaints, a 23.9% increase on the prior year, and named pricing concerns and claims management as key drivers. It also reported 1,076 insurance complaints to the Australian Financial Complaints Authority (AFCA) in FY25, compared with 892 in FY24. These are counts, not complaint rates per policy. They do not provide an insurer-to-insurer ranking or establish how an individual claim will be handled. The figures are reported by RACQ in its FY2025 annual report.
How to interpret the historical discount issue
An ASIC concise statement filed on 22 February 2023 describes a historical premium-calculation sequence in which discounts were applied to base premiums before optional-benefit and certain household-unoccupancy premiums were added. During the period described, those added portions were left undiscounted. This is historical context, not evidence of how RACQ calculates premiums today. The filing is available from ASIC’s 2023 announcement.
RACQ’s current discount information separately cautions that discounts may not apply to statutory charges, payment-frequency portions, optional benefits or excess adjustments. Check the quote and applicable AIG to see what has actually been discounted: RACQ insurance discounts.
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Before accepting or renewing a quote
- Confirm the product and dates. Match the quote to the correct policy type, cover start date and Certificate of Insurance.
- Read the applicable documents. Check the PDS and any SPDS for cover, exclusions and claims rules, and the AIG for pricing, discounts and excess details.
- Match the insured amount and cover. For home, check building and contents sums insured; for a car, match the cover type and insured value basis.
- Review excesses and add-ons. Identify excesses by claim event and list optional benefits you need or do not need.
- Reconcile the price. Compare the annual total after statutory charges and payment fees, then verify discount eligibility and which premium portions receive a discount.
- Compare like for like. Obtain another quote using equivalent cover, limits, excesses and benefits. A cheaper quote with materially less cover is not a direct price 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.
