We are committed to supporting our members during these unprecedented times.
Our number one priority remains the health and safety of our people, our members, and the wider Western Australian community.
We are here to help and support our members in this ever-changing environment, including ensuring you can still reach us in the ways you normally would.
For members who need to make a claim, visit our Make a claim page, which provides the claim options available to you. You can also use myRAC, our online portal, if you need to make a claim or update your policy.
As usual, you can get a quote or policy online at any time of the day or night for Car, Home, Caravan, Pet, Life, Health and Bike insurance. If you have any other enquiries which aren’t listed here, you can visit our online Help Centre for a full list of contact options, including general FAQs.
Car insurance FAQs
These FAQs also apply to insurance you might have for your boat, caravan, trailer, motorcycle or electric mobility device.
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.
Home insurance FAQs
This section covers questions related to building, contents, renter’s, landlord’s and personal valuables insurance cover you might have.
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.
If you have RAC Landlords Insurance for your investment building and a current rental agreement with your tenant, then your landlord’s insurance could cover you for up to $3000 or 12 weeks, depending on the amount of rent specified in your rental agreement.
As the landlord, you will bear the loss of the first four weeks of rent. You can make a claim for rent default five weeks after your tenant defaulted, providing your current written rental agreement states the term of the rental period, the amount of the rent payable and the amount of the bond payable by your tenant.
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.
RAC Life Insurance and Income Protection
Here is some useful information for you:
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.
- 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.
Other questions about insurance
Here are some other questions you might have about the insurance you hold with RAC Insurance.