Our comprehensive car insurance will give you
Know you are covered with RAC Comprehensive Car Insurance for accidental damage, malicious damage, storm, fire, flood and theft, plus damage to other people’s car or property.
Windscreen and window cover
Hassle-free windscreen or window glass repairs with no excess to pay. If you need a replacement, an excess of $100 applies. Your no claims bonus won’t be affected.
Open driver cover
With open driver cover, other licensed drivers can use your car with your permission– handy if you need a ride to the airport or want to share the drive down south.
New car replacement
If your car is written off, it’s less than 2 years old, and you're the first registered owner, we'll replace it with a new car.
Hire car after fire and theft
We’ll give you use of a hire car until your car is fixed or your claim is settled after your car is damaged by fire, theft or attempted theft. See optional extras for hire car after accident.
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No claim bonus
You'll receive a discount on your policy for every year that you don’t make a claim that we can’t recover. Once you reach the maximum discount, you can choose to protect your no claim bonus. See optional extras below.
Personal belongings cover
We'll cover your personal belongings if they are stolen, damaged or lost in a car incident covered by your policy up to the value of $500.
Lost or stolen keys
We’ll cover your lost or stolen keys and even replace your locks up to the value of $2,000.
Emergency travel costs/ Accommodation cover
We'll help you on your way with emergency accommodation (if you’re over 100 kms from home), essential temporary repairs, and cover to complete your journey.
Lifetime guarantee on repairs
We guarantee the quality of the workmanship and materials used for our repairs, for the life of your car, so you can be sure you’re getting quality repairs that are safe.
Towing of your car
If your car is damaged and unsafe to drive, contact us and we'll tow it to an approved repairer or a safe location.
Extras like discounted movie tickets and travel
When you buy RAC Comprehensive Car Insurance, you'll automatically become an RAC member with access to a great range of benefits so you can make savings every day.
Upgrade your cover with our optional extras
- Hire car after accidentIf you're involved in an accident, we'll give you a hire car until your car is fixed or claim is settled. Add this option to your policy when you buy online.
- No claim bonus protectionIf your no claim bonus is at maximum, you can pay an additional fee to protect your bonus. This means if you have a claim that we can’t recover it won't affect your no claim bonus discount on your policy. Add this option to your policy.
Save more on your car insurance with RAC
Switch online and save up to $100
in your first year
Low emissions car?
Save up to 25% on our comprehensive car insurance*
Members save up to 10%
Existing Bronze members save 5%, Silver members save 7.5%, Gold and Gold Life members save 10%
Award winning car insurance
Our members are at the heart of everything we do. Join WA's most recommended car insurer with the best claims experience and most satisfied car insurance customers, as voted by you.
RAC members save more
As a member you get access to great discounts & offers
*Conditions apply. Visit the Less Emissions Mission page for full conditions.
$100 discount applies to your first year of insurance only. This discount is subject to minimum premiums and is only available when you switch to this policy online.