Frequently asked questions

That depends on the cover options you have selected under your landlord’s insurance policy. Building insurance typically covers residential buildings that are occupied by the owner. Landlord’s insurance can cover residential buildings that you, as the owner, have tenants living in. If you have an investment property, you can choose to take out our landlord’s insurance policy, as it can cover your building, or your building and landlord’s fixtures and fittings. You should always check the PDS & TMD to see if this product is right for you.

Landlord’s insurance is the only type of cover offered by RAC that protects against loss of rent where a tenant defaults on rent (after 4 weeks, for up to 12 weeks to a maximum of $3,000) and malicious damage caused by your tenant. You should weigh up how important these events are to you and ask yourself:

• Can I afford to not receive rent in this property should my tenant stop paying?
• Can I afford to lose rent should my property become uninhabitable?
• What would I do if the tenant damages the property?

You should always check the PDS & TMD to see if this product is right for you.

Only our landlord’s insurance policy will cover malicious damage to your property caused by a tenant or a guest of your tenant up to the combined maximum of $10,000 ^, during that tenant’s rental period. Malicious damage does not cover accidental loss or damage, wear and tear or damage from carelessness or neglect. This also excludes damage caused by pets or animals.

Should you need to lodge a claim under your Landlord’s Insurance policy you can either lodge a claim online or call our friendly claims team on 13 17 03. You should do this as soon as possible after the damage or loss has occurred. Make sure you have all the information required to make your claim such as your policy details, details of the event which caused the loss or damage, details of your building or contents which were lost or damaged.

Certain types of dwellings are not covered under our landlord’s insurance policy, this includes hotels, motels or boarding houses, caravans (you may be eligible for caravan insurance instead) or mobile homes, display homes or more than one home building under the same strata plan. Check the PDS to find out the full list of exclusions.

Landlord’s insurance, like our home & contents insurance, covers you for damage caused by storm, floods, fire and theft up to the sum insured. In addition, landlord’s insurance covers malicious damage caused by your tenant, loss of rent when your tenant defaults on their payment (after 4 weeks, for up to 12 weeks rent to a maximum of $3,000) and loss of rent for up to 12 months if the building becomes uninhabitable because of an insured event.

Landlord’s insurance does not cover the contents owned by your tenants, your tenants may wish to take out their own insurance, such as our basic contents insurance to cover to their personal belongings.

We provide cover for loss of rent where a tenant defaults, after 4 weeks, for up to 12 weeks rent to a maximum of $3000.

To claim under this insured event, you must also have a current valid written rental agreement that states:

• The term of the rental period;
• The amount of rent payable by the tenant; and
• The amount of bond payable by the tenant.

Check the PDS for full details.

Loss of rent is covered for up to twelve months if the building becomes uninhabitable as a result of an insured event. All of the following conditions apply:

• Your building is tenanted pursuant to a current rental agreement at the time of the insured event;
• The building is being repaired or rebuilt and is uninhabitable, as a result of an insured event; and
• We believe the time to repair or rebuild the building is reasonable.

We do not cover loss of rent under this additional benefit, if at the time of the insured event there was no tenant living in the building under a current rental agreement.

We will calculate the loss of rent by reference to the rent amount under the rental agreement that was in place at the time of the insured event.

Check the PDS for full details.

You can reschedule your next payment or update your payment method for:

• Car insurance
• Home insurance
• Caravan insurance

You can update your payment details in myRAC. To change your payment date for all future payments, please call 13 17 03.

You can do this online. Have your payment number ready. You can find this on your renewal notice

You can also renew your car or home insurance in myRAC and update your policy details at the same time.

You can’t pay an excess this way. To pay an excess, please call 13 17 03.

Never miss a renewal and ensure you’re always covered. Whether you’re home or away, you’ll get an email delivered straight to your inbox.

• Save time – you can easily renew your insurance directly from the renewal email.
• Save paper – your renewal information will be included in the email.

If you need to reschedule your next payment all you have to do is let us know what date you would like to change it to. This can be done online following the steps below.

There are many reasons that you might want to change your details. Maybe you want to close an account and start payments from a new one. Perhaps you want to consolidate your payments so that they all come from one bank account. You can even choose seperate bank accounts for each insurance policy. If you need to change your bank details, you will need to change them on each policy that you want to be using the new bank details for. For example, you can’t just change it for a home insurance policy and then expect it to automatically be updated on your car policy.

Once you’ve made a claim, you can log in to myRAC at any time to check the status of your claim. 

It’s easy to make a claim online. Please have the following information ready before you start: 

• Your policy number or registration number 
• Incident details (where, when & what happened) 
• If possible, include the name, address, phone number and licence details of any drivers involved 

If you need to reschedule your next payment all you have to do is let us know what date you would like to change it to. This can be done online following the steps below.

You can change these details online:

• Home address
• Building type and materials
• Year of construction
• Roof type
• Security fixings and alarms
• Mortgage details

You can update these details online:

• Title
• First name, middle name, last name
• Contact phone numbers
• Email address
• Mailing address

There are many reasons that you might want to change your details. Maybe you want to close an account and start payments from a new one. Perhaps you want to consolidate your payments so that they all come from one bank account. You can even choose seperate bank accounts for each insurance policy. If you need to change your bank details, you will need to change them on each policy that you want to be using the new bank details for. For example, you can’t just change it for a home insurance policy and then expect it to automatically be updated on your car policy.

When the damage is such that you can’t use your boat, we’ll pay up to $1000 to tow your boat by road to the nearest approved repairer or to a safe location that we choose.

The best way to find out how much insurance for your boat will cost is to take out a quote online. It’s quick and easy.

Your boat is covered while in transit by road, rail or ship or on a trailer provided:

• Your boat is designed to be towed on the trailer.
• Your trailer is registered.
• The relevant legal requirements for towing are complied with.

We won’t cover transportation of your boat on a trailer that’s not properly designed for that purpose.

We cover lots of different types of boats. It’s easier if we tell you what we don’t cover.

For new policies, we don’t cover boats that are:

• Usually stored in water.
• Used for business or commercial purposes.
• A houseboat or personal watercraft, e.g. jet ski.
• Valued at more than $150,000.

A Certificate of Currency is a document that confirms a current policy is in place as of the date of issue, and lists the details of the insurance policy. It is often required by Third parties to provide evidence that you have the appropriate cover for the asset or business.

Once your claim has been reviewed by our claims team, we’ll let you know if you need to supply substantiation or proof of ownership before we settle your claim. If we’ve requested substantiation or proof of ownership for your claim, you can forward a copy with your claim number to:

Email claims@rac.com.au 
Mail RAC Claims, GPO Box C140, Perth WA 6839

• View your policy online
• Email us on claims@rac.com.au with your claim number
• Call us on 13 17 03
  Monday - Friday 7am - 8:30pm
  Saturday & Sunday 8:30am - 5pm
  Public holidays (except Christmas day and Boxing day) 8:30am - 5pm
• Track it on myRAC - available for car and home insurance

If you have a leaking or burst pipe that causes damage to your property, your policy provides cover for the costs to locate the leak and any resulting damage caused by it. Your policy does not cover the cost to repair the leaking/burst pipe. 

You can read our Escape of Liquid fact sheet for more information.

Before repairs can begin, we’ll need to receive and review a repair quote. Following this, one of our claims specialists or our service provider will contact you to explain the repair process.

If you need to lodge your claim, you can make a claim online or call us on 13 17 03.

• Business name, contact details and ABN.
• The cause of the damage.
• Detailed repair cost.
• If applicable, a description of the old and new items repaired or replaced.

If you’ve obtained a repair quote, you can forward a copy with your claim number to:

Email claims@rac.com.au
Mail RAC Claims, GPO Box C140, Perth WA 6839

Once received, we’ll review your quote and let you know the next steps for your claim.

If you’ve obtained a repair quote, you can forward a copy with your claim number to:

Email claims@rac.com.au 
Mail RAC Claims, GPO Box C140, Perth WA 6839

You can track your claim online for more status information.

Your claim will be processed as soon as possible once we’ve received all the supporting documents we’ve requested.

Please forward supporting documents with your claim number to:

Email claims@rac.com.au
Mail RAC Claims, GPO Box C140, Perth WA 6839

We’ll contact you with the next steps regarding the settlement of your claim

An excess is the amount you’re required to pay when you make a claim. This is the amount you agreed to when you purchased your policy. It can be found by viewing your policy online, on your schedule or Premium Excess and Discount (PED) Guide.

Depending on your circumstances, you may need to pay more than one type of excess. We’ll tell you if any other excess applies based on your individual risk details and claim scenario.

Read our Ceiling Collapse FAQs or Ceilings fact sheet for further information.

There are three ways to make a claim on your insurance policy: 

1. Online 24/7. Once your claim is lodged we’ll advise you of the next steps.  
2. Call us on 13 17 03 and speak with a friendly claims specialist right here in WA. 
3. In person at the West Perth or Dianella Member Service Centre.