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One free scan finds every outdated or missing driver and matches the right update for your exact hardware.Free scan · exact hardware matchRAC Basic Contents Insurance is available to Western Australian strata owner-occupiers, but it is a limited-event contents policy—not building insurance—and its current maximum contents sum insured is $25,000. Owner-occupiers must call RAC to request a quote; RAC says its online quote function is unavailable to them. Before choosing it, compare the limit with your belongings’ replacement cost and check what the strata company’s building policy already covers.
Is RAC Basic Contents Insurance available to strata owner-occupiers?
Yes. RAC identifies Western Australian owner-occupiers of strata dwellings as eligible to request a quote for Basic Contents Insurance. The quote must be requested by phone, rather than through RAC’s online quote function. Eligibility and acceptance still depend on RAC’s assessment and the details of the individual quote.
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The product is designed for specified-event loss or damage to contents at the insured site. RAC describes four contents cover levels from $10,000 to $25,000 in its Target Market Determination (TMD), and its current product page lists $25,000 as the maximum. If the items you would need to replace exceed that cap, RAC suggests considering its broader Contents Insurance instead.
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What does it cover—and what does the strata building policy cover?
Basic Contents is not a substitute for the strata company’s building insurance. A strata building policy generally concerns the building and insured common property, while this RAC policy is for specified contents and certain conditional fixtures. The exact division depends on the strata policy and the RAC schedule, so check both rather than assuming a fixture is covered by one or the other.
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Contents at the insured site
RAC describes cover for household contents against specified events, including fire and theft, subject to the policy terms, exclusions, excess and selected sum insured. The policy does not provide unrestricted protection against every kind of loss or damage.
Fixtures and improvements owned by a strata owner
RAC’s TMD describes cover up to $5,000 for fixtures and structural improvements belonging to a strata owner or tenant where those items are not insured by the strata company’s building policy. This is a conditional, capped benefit—not a promise that every fixture is covered. Confirm what the building policy insures and review the wording and schedule for the RAC policy.
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Common areas and theft
The PDS excludes theft or attempted theft of contents from a common area in a strata-titled or multiple-occupancy property. Do not treat this unit-level contents policy as protection for belongings stolen from shared spaces.
Contents away from the dwelling
RAC’s TMD states maximums of $5,000 for contents in secure storage and $500 for contents in the open air at the site. These are limited extensions, subject to insured events, policy limits and exclusions; they should not be read as general, full-value cover for possessions kept elsewhere or outdoors.
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Legal liability
The PDS provides legal liability cover for owner-occupiers in Australia outside the insured site, subject to the policy terms, with a maximum payment of $20 million for one event inclusive of legal costs in the 2021 PDS. For a home in a strata scheme, the PDS also addresses specified claims arising in or on common property only where the strata company has not insured that liability as required. The applicable SPDS and the policy schedule may affect how the terms apply.
What is Personal Valuables cover?
Personal Valuables is optional and costs an additional premium. RAC describes it as cover for listed portable valuables normally kept at the scheduled address, against accidental loss, destruction or damage anywhere in Australia. Examples RAC gives include jewellery, watches, glasses, electronic devices and sporting equipment.
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It is not automatic cover for every valuable you own. Items must be listed as required by the policy, and restrictions apply, including to items left unattended in public or unsecured places and items used for business. Check the item-specific terms, limits and exclusions before relying on it for a high-value possession.
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- Estimate replacement cost. List the contents you would actually need to replace and use current replacement prices rather than what you originally paid. RAC’s contents calculator page notes that listing actual items can help produce a more accurate estimate.
- Compare the estimate with the available limit. RAC’s current Basic Contents product page sets the maximum at $25,000. If your replacement estimate is higher, the cap may leave a substantial shortfall; consider whether broader or higher-limit cover is needed.
- Check the strata building policy. Ask which fixtures and structural improvements are insured by the strata company. RAC’s stated fixture benefit applies only when they are not insured there, and is capped at $5,000.
- Review valuables item by item. Compare the replacement cost of portable valuables with the standard policy’s terms and decide whether optional Personal Valuables cover is appropriate. Verify that the items are eligible and correctly listed.
- Read the schedule and the right policy documents. Confirm the selected sum insured, excess, listed valuables, insured site and any applicable conditions before accepting the quote.
Which RAC policy documents should you read?
RAC’s policy-document index lists a PDS for policies commencing from 25 February 2021, an SPDS prepared on 28 September 2023 and applying to policies commencing or renewed from 14 November 2023, and a PED Guide applicable to policies commencing 4 October 2024 or renewed 1 November 2024. The SPDS says it is to be read with the 25 February 2021 PDS and changes provisions including duty-of-care language. Use the documents that apply to your own commencement or renewal date, together with your schedule; an older document may not reflect the terms applicable to your policy.
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The SPDS also states that the insurance is a consumer insurance contract under the Insurance Contracts Act 1984 (Cth). The policy’s actual scope, price, excess and itemized cover depend on the quote and schedule, not just the general product description.
When this product may not fit
- Your contents replacement cost is above the $25,000 maximum.
- You need building cover or broader protection than specified-event contents insurance provides.
- You expect cover for theft from a strata common area.
- You need high-value portable items covered without listing them or checking item-specific restrictions.
- You have not established whether fixtures are already insured through the strata company.
RAC’s TMD cautions that Basic Contents may not suit people who need building cover, broader protection or higher contents limits. These are meaningful fit checks: the product’s narrow maximum and common-area exclusion can matter more than its headline premium or inclusion of selected additional benefits.
Quick Recap
Sources and policy details
- RAC Basic Contents Insurance product page for current product information and owner-occupier quote guidance.
- RAC insurance documents index for the applicable PDS, SPDS and PED Guide.
- RAC Basic Contents Product Disclosure Statement, effective 25 February 2021, as applicable with the relevant SPDS and schedule.
- RAC Basic Contents Supplementary Product Disclosure Statement, prepared 28 September 2023.
- RAC Basic Contents Target Market Determination for the stated cover levels and conditional limits.
- RAC contents calculator for estimating the replacement value of belongings.
- RAC Personal Valuables policy information for optional cover terms and restrictions.
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