Frequently asked questions

If you require emergency assistance for storm damage, call the State Emergency Service (SES) anytime on 13 25 00.

If you have a current home or contents policy with RAC, or both, your building or contents are covered if they’re damaged or destroyed by a storm (including cyclones) – up to your sums insured.¹

¹ Please note that you’re not covered for storm damage within the first 48 hours after the initial start of your policy, unless your policy started:

• When you first took possession of your building.
• When your lease for your building first commenced.
• Immediately after another policy covering the same risk expired without a break in cover.

Cover is 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.

If you have a current comprehensive car insurance policy with RAC, your car is covered if it’s damaged or destroyed by a storm (including cyclones) – up to your sum insured.

Building insurance from RAC covers loss or damage to your fences and gates caused by storms, as long as they were structurally sound and well maintained prior to the damage or loss occurring.*

You can claim online for your storm damaged fence 24/7. Generally, we offer a cash settlement for fence repairs, once you’ve made a claim and we’ve approved it. If it’s a shared fence, the fence belongs to you and your neighbour so you’ll need to organise repairs with them.

For shared fences, once you’ve lodged a claim and we’ve approved it, generally we give you a cash settlement to cover your share of the fence. Then you organise the repairs.

In summary, the process is that you:

1. Make a claim.
2. Talk to your neighbour. They’re responsible for their share of the fence repair costs
3. Get a quote from a fence repairer.
4. Pay for your share of the fence repair with your cash settlement.

We’ll try to settle your fence claim as soon as possible. Once your claim is approved and processed, you should receive payment within seven business days.

If the cash amount doesn't cover your costs, please send us your quote. We'll review the amount in your quote and discuss your options. Email claims@rac.com.au with your claim number in the subject line.

You can claim online 24/7 or call us on 13 17 03.

You may need your policy number, address & personal details, incident details (when & what happened), any photos, quotes or receipts.