Why RAC?

Car, home, pet and life insurance come with fantastic member benefits*

Member benefits

Discounts & special offers

As an RAC member, you get access to great benefits, like discounts on over 100 retail partners and RAC products & services.

Discounts & special offers

RAC for WA

Creating a better WA

By being a member, you support the work we do around road safety, the environment and mobility to create a better WA.

Giving back to WA

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You become part of RAC

We don’t have shareholders, just members. We reinvest our profits back into our members and the community for the better of WA.

More about RAC

Award winning insurance

Each year, leading market research company Roy Morgan research survey approximately 50,000 Australians who have insurance across several banking and insurance companies.

We earned consecutive victories in 2019, 2020, 2021, 2022 and 2023 for the Major General Insurer of the Year award, an exciting achievement for RAC.


The RAC Life Insurance suite of products (RAC Life Insurance) is distributed and issued by NobleOak Life Limited, AFSL 247302 (NOL). NOL and its representatives handle all claims. RAC Insurance Pty Ltd does not distribute issue, or guarantee these products. The information on this website is factual information only, and is not financial advice. You should consider factors like your objectives, financial situation and needs and read the relevant Product Disclosure Statement (PDS) and Target Market Determination (TMD) available via this website before deciding to acquire RAC Life Insurance.

You should not cancel any existing life insurance policy until you have been informed in writing that your replacement cover is in place.

RAC receives a commission from NOL for policies issued by NOL to RAC members.

*Car, home, caravan & trailer, motorcycle, boat, pet or life insurance come with member benefits. Only individuals can become members of the RAC. Membership does not apply to associations, entities, or superannuation funds.

^Two (or more) covers – Two months free. This offer is available for applications received from 1 May 2024 until 30 June 2024 and cover is issued. If you apply for and are issued with two or more covers, you will not start paying premiums for each cover respectively, until two months after the commencement date of the relevant covers. If you apply for two or more cover types and are issued with only one type of cover, or if you apply for and take out two or more covers but cancel any cover(s) within the first month so that only one cover remains current, you will not start paying premiums on the remaining cover until one month after the commencement date of that cover.

One month free also available. If you apply from 1 May 2024 up until 30 June 2024 and are issued with one cover type, you will not start paying premiums until one month after the commencement of the cover.

The RAC Life Insurance suite of products issued before 1st October 2021 was distributed by RAC Distribution Pty Ltd (RACD) (ABN 71 092 581 470, Authorised Representative Number 238025), an authorised representative of, AIA Financial Services Limited , AFSL 231109 (AIAFS) and issued by AIA Australia Limited, (ABN 79 004 837 861, AFSL 230043). RACD was a distributor only; it did not sell, issue or guarantee those products.

RAC Insurance Pty Limited is authorised by RACQ Insurance Limited (ABN 50 009 704 152, AFSL 233 082) as an agent to issue RAC Pet Insurance. Read the PDS, TMD and SPDS (where applicable) before making any decision. Pre-existing conditions, general exclusions, as well as waiting periods may apply.

RAC Insurance Pty Ltd (ABN 59 094 685 882, AFSL 231222) issues the general insurance products (apart from pet and travel insurance) displayed on this page and has taken all reasonable measures to ensure that material contained on this website, relevant to it and its products, is correct. RAC Insurance Pty Ltd reserves the right to vary, modify, add and delete its pricing, terms and conditions and any benefits at any time, without notice.

RAC Insurance Pty Ltd is a wholly owned subsidiary of the Royal Automobile Club of WA Inc .

RAC Insurance Pty Ltd is not authorised to arrange for the issue of, or provide financial product advice in relation to, the RAC Travel Insurance, RAC Life Insurance products and the HCF corporate health insurance products.

HCF corporate health insurance products are Issued by The Hospital Contribution Fund of Australia Limited ABN 68 000 026 746 (HCF), a registered private health insurer. RACWA Holdings Pty Ltd ABN 60 008 985 877 receives a commission for RAC members it introduces to HCF and who take out an HCF corporate health insurance product.

RAC Travel Insurance. Limits, exclusions and conditions apply. This is general advice only. We do not provide any advice based on any consideration of your objectives, financial situation or needs. Please refer to the Combined Financial Services Guide and Product Disclosure Statement available from RAC before making a decision about this insurance. 

This insurance is issued by Tokio Marine & Nichido Fire Insurance Co., Ltd (Tokio Marine & Nichido) ABN 80 000 438 291, AFSL 246548. R.A.C. Travel Services Pty. Limited (ABN 17 009 164 176, AR NO. 228577) is an authorised representative of Tokio Marine & Nichido. Its managing agent, Tokio Marine Management (Australasia) Pty. Ltd. ABN 69 004 488 455 (TMMA) is authorised to act on behalf of Tokio Marine & Nichido to issue its policies and handle and settle claims in relation to those policies, subject to the terms of the authority.

Find out more about Canstar Awards.