Car insurance guide in WA
If you're new to driving or new to WA, it's worth knowing the basics about car insurance in WA.
Compare car insurance from WA's most trusted car insurer
Comprehensive
The highest level of protection and the most benefits
Third Party Fire & Theft
Some protection for your car & damage to another’s property
Third Party
Cover for damage to another’s car or property
Legend:
Yes included
No excluded
Damage to your car
Your car
- Accidental loss/damage
- Malicious damage
- Fire and theft
- Attempted theft
- Damage by an uninsured vehicle
Your car
- Fire and theft
- Attempted theft
- Damage by an uninsured vehicle (up to $5000)
Your car
- Damage by an uninsured vehicle (up to $5000)
Your legal liability
For an accidental incident which involves your car, or a trailer or a caravan attached to it. The most we will pay is $25 million for any incident.
For an accidental incident which involves your car, or a trailer or a caravan attached to it. The most we will pay is $25 million for any incident.
For an accidental incident which involves your car, or a trailer or a caravan attached to it. The most we will pay is $25 million for any incident.
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.
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.
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.
Temporary cover for new cars
When you buy a new car and your existing car is insured with us, we will insure your new car from when you take delivery, as long as you let us know within 14 days of purchasing it.
When you buy a new car and your existing car is insured with us, we will insure your new car from when you take delivery, as long as you let us know within 14 days of purchasing it.
When you buy a new car and your existing car is insured with us, we will insure your new car from when you take delivery, as long as you let us know within 14 days of purchasing it.
Agreed value
The amount we agree to insure your car for. You can change this in your quote to be lower or higher than market value. A lower agreed value may mean lower premiums but if your car is written off you will only be entitled to this lower agreed value amount.
The amount we agree to insure your car for. You can change this in your quote to be lower or higher than market value. A lower agreed value may mean lower premiums but if your car is written off you will only be entitled to this lower agreed value amount.
Hire car after fire or theft
When your car is not available to you as a result of fire, theft or attempted theft, we will arrange for you to be provided with a hire car and we will pay the standard daily hire fee. Hire car after an accident is an optional extra.
When your car is not available to you as a result of fire, theft or attempted theft, we will arrange for you to be provided with a hire car and we will pay the standard daily hire fee. Hire car after an accident is an optional extra
Automatic cover for accessories
Accessories means any items specifically manufactured to only be used while fitted to a car. These items are not reasonably capable of being used separate from a car.
Accessories means any items specifically manufactured to only be used while fitted to a car. These items are not reasonably capable of being used separate from a car.
Towing of your car
If your car is damaged and unsafe to drive, contact us and we'll pay the reasonable cost of towing it to an approved repairer or a safe location.
If your car is damaged and unsafe to drive, contact us and we'll pay the reasonable cost of towing it to an approved repairer or a safe location.
Replacement of your trailer
We will pay up to $2000 for the repair or replacement of your box, garden or luggage trailer if it is stolen or damaged while in your possession or attached to your car.
Window and window glass 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.
Lost or stolen keys
We’ll cover your lost or stolen keys and even replace your locks up to the value of $2000.
Lost or damaged personal belongings
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.
Child car seat replacement
If you have a child car seat fitted to your car and your car is involved in a collision, we will cover the cost of replacing the child car seat with a new one of a similar standard, even if there is no apparent damage.
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.
No claim bonus discount
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.
Accidental death benefit
When, within 12 months of its occurrence, an incident involving the use of your car directly results in the death of its driver, we will pay $15,000 to the deceased’s estate. Exclusions apply see pds for details.
Travel or accommodation costs
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. Limits apply see page 11 of the pds
Hire car after accident
If 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. Limits apply see page 11 of the pds
Protecting your no claim bonus
If your no claim bonus is at maximum, you can pay an additional fee to protect your bonus. This means if you if you make one at fault claim during the period of insurance it won’t affect your no claim bonus discount on your policy. Add this option to your policy.
Choose the insurance that’s right for you
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% on comprehensive car insurance.
Local claims team
Our local claims team are WA based, like you are. We understand your needs and are always ready to helpAward 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.
What's included in these covers?
Before you decide, please read our policy documents and compare our covers.
Insurance member support
Support for family violence, financial hardship, accessibility and specialist services
* Conditions apply. Visit the Less Emissions page for full conditions.
Comprehensive, Third party fire and theft and Third party insurance are issued by RAC Insurance Pty Limited. Our products are developed and distributed for appropriate target markets in accordance with our Policy. Benefits are subject to policy conditions and PED Guide. Before you make a decision, please check the PDS and TMD to see if the policy is right for you.
