Insurance update on
COVID-19

If your scheduled appointment is coming up, please let us know about your situation and we can reschedule your repairs. If you’ve already dropped off your car (or other vehicle) but you’re not able to collect it from us, please get in touch with us to discuss your options.

Please make a claim online or over the phone as you usually would. We’ll then be able to let you know about the next steps and organise a suitable repairer as required.

The time it will take for your repairs depends on a number of factors, including:

• What kind of repairs your car needs
• Your repairer and their current workload
• Whether there’s a delay in the supply of any parts your car might need

Please speak to your recommended repairer before you drop off your car to get an idea of whether your repair may take longer than normal.

Yes, if your level of cover includes towing, we can still provide towing to a safe location. Contact us on 13 17 03 so we can arrange this for you.

The health and safety of our members, our people and the wider WA community is a priority for us – so our repairers are following government advice and taking extra precautions when cleaning. Cars will be delivered to you clean but you’re also welcome to undertake your own cleaning measures.

This is an extremely difficult time for many people. Please call us on 13 17 03 to discuss your options.

It depends on your personal circumstances and we would encourage you to contact us before making any major decisions about your insurance. Even though you’re not driving your car (or other vehicle) now, you might need to drive somewhere unexpectedly. Your car could also still be impacted by events such as theft, fire, storms or impact so it’s likely you would want to stay covered for these events.

Any impact on your RAC Building and Contents insurance policy you hold with us will depend on your situation:

• If you’re working from home in a home office or surgery, there is no need to let us know.
• If you’re now using part of your home or building for the purpose of a business, trade or profession that we don’t yet know about, it’s important to call us and let us know.
• If your home or building is now being used to distribute products or for an occupation that carries stock (including jewellery or a gold merchant), the stock you have is not covered by your home building or contents insurance. Please get in touch to discuss your circumstances.

If you’re not sure about what may or may not be covered by your current home building and/or contents insurance policy now that you’re working from home, it’s best to get in touch with us to discuss your situation.

No, generally you don’t need to tell us. We only need to know if you’re working from home and now using part of your home for a business, trade or profession other than a home office or surgery.

If you have RAC Contents Insurance, you are covered for up to $5,000 for your home office or surgery equipment. However, if your office is used to store or distribute products for sale, or for an occupation that carries stock (including jewellery or a gold merchant), the stock you have is not covered.

If you’re not sure about work equipment which might or might not be covered by your current home insurance policy, please get in touch with us to discuss your situation.

If you have RAC Contents Insurance, any contents which have been provided to you or your family as part of a written employment contract will be covered against the usual insured events up to a limit of $5,000. You’ll find this information in your product disclosure statement.

Your usual contents cover will also extend to equipment you are leasing, for example if you’re leasing a laptop from a rental company.

No, your rent is not covered by your RAC Contents or Renter’s insurance if you’re not able to pay. We understand this is an extremely difficult time for many of our members and we recommend you speak with your landlord if you’re in this situation.

No, this is not covered by your RAC Building or Contents insurance.

Yes. Please call us on 13 17 03 to let us know before your appointment and we will reschedule the work for after you have recovered. Please follow government health guidelines relating to COVID-19 – and we wish you a speedy recovery.

Yes, please let our insurance claims team know. If a building supervisor has already attended your home, please also let them know about your situation.

The health and safety of our members, our people and the wider WA community is a priority for us. All of our suppliers are following the most up-to-date advice from the government to prevent the spread of Coronavirus (COVID-19).

Yes, you can. Just call the building supervisor who first attended your home or call us on 13 17 03.

We understand this is an extremely difficult time for many households and businesses. Please call us on 13 17 03 to discuss your options.

As the COVID-19 situation continues to evolve, we want to assure our RAC Life and Income Protection members that you are covered and COVID-19 has no impact on your existing life insurance cover with us. We remain committed to our members during this uncertain time.

There are no COVID-19 or pandemic exclusions on your policy. If you need to make a claim related to COVID-19, as with any other claim, you will need to meet the eligibility requirements for your type of cover.

If you are an Income Protection (IP) customer and you have been advised by your medical practitioner that you are unable to work due to a sickness or injury, you may make a claim on your policy. Please note that your benefit period commences at the end of your waiting period (either 30 or 90 days). If uncertain, please read your Policy Schedule or give us a call.

If you cannot work due to self-isolation following a request or guidance from your employer, or your work has shut down/closed but your medical practitioner has not advised that you cannot work due to a sickness or injury, you will not be able to make a claim on your policy. Please check the terms and conditions of your Product Disclosure Statement (PDS) for more information.

RAC Life and Income Protection Insurance products do not contain exclusions for COVID-19; as long as you meet the eligibility requirements for your particular benefit, you are covered for claims relating to COVID-19.

• If you would like help, or more information, we’re here to help you with any questions you may have, including claims enquiries. Please call 1800 069 922 between 9am and 5pm Monday to Friday, AEST. Our team will do their absolute best to answer your calls and solve your queries as quickly as possible.
• If you need to make a claim, we’re here to guide you through the lodgment process. Please call 1800 069 922.
• For an overview of life insurance cover and the additional cover options available. For full terms, conditions, limits, definitions, exclusions, exclusion periods and choosing a combination of cover, please refer to the Life Insurance Product Disclosure Statement (PDS) and Income Protection Insurance Product Disclosure Statement (PDS).

We’re continuing to monitor the COVID-19 situation, so please keep an eye out for further updates from us, or you can visit rac.com.au/life for up to date information.

Note: You may receive direct communications from the product issuer AIA Australia regarding your policy during this time. Please read these communications carefully and if you have any questions contact us on 1800 069 922.

We understand this is an extremely difficult time for many households and businesses. Please call us on 13 17 03 to discuss your options.

Yes, you can change your payment frequency. For example, you might choose to pay monthly to help you manage your payments. To update your payment frequency, please call us on 13 17 03.

We recommend you speak with us before making any major decisions about your insurance cover. Please call us on 13 17 03 if you wish to cancel or discuss your policy.