Frequently Asked Questions

General
Q.Do I have to be an RAA member to get insurance with RAA?
No, you don't have to be a member to get RAA Insurance. Although RAA Insurance has developed a membership discount, for members who have had continuous full membership, who take out or renews Motor Comprehensive Car Insurance, and Home and Contents Insurance
Q.What can I do if I am not satisfied with an RAA Insurance Product or Service?
If you have a problem or are unhappy with something to do with an RAA insurance product or service, we would like to speak with you about it; please contact us on 8202 4567. The matter will be referred to the relevant manager or if necessary, to our Internal Dispute Resolution (IDR) Committee who both have the appropriate authority to deal with disputes. If the matter is referred to the IDR Committee you will be advised of the committee’s decision within 15 working days. If your problem or complaint can’t be resolved directly with us, you will be referred to the Financial Ombudsman Service (FOS). This is a free service to you and is a totally independent and impartial body. You can contact them on: www.fos.org.au or phone 1300 780 808. Before a complaint is investigated by the FOS, they will request that you first talk to us to give us the opportunity to resolve the matter.
Motor Insurance
Q.How does my Third Party Insurance record affect my Rating / no claim bonus if I switch to Comprehensive insurance?
If you switch from third party to RAA Comprehensive Car Insurance, we will give you the rating/discount you would have earned had you always been comprehensively insured.
Q.What is Rating 1 for Life?
If you currently hold a Rating 1 (maximum no claim bonus) we recognise your good driving record by protecting this for life, regardless of how many claims you may make in the future, or who is at fault.
Q.Does the policy allow an agreed value or market value?
Yes, we offer either and at no extra cost. And as an additional benefit, RAA Insurance pays the higher of Agreed or Market Value for a total loss payout. This means that where the cost of repairs to your vehicle is more than the value shown on your Certificate of Insurance, we will pay the agreed value or market value whichever is the higher, less any excess applicable.
Q.What does agreed value mean?
Agreed value means that the value of your insurance cover is agreed between the insurer and yourself. It is the amount we agree to pay out less any applicable excess in the event of a total loss claim.
Q.What does market value mean?
Market value means our determination of what it would cost to buy a vehicle including its tools, parts and accessories of a similar make, model and condition on the second hand market.
Q.Does your insurance cover all drivers?
Yes, anybody driving your car is covered, subject to the normal exclusions such as if under the influence of alcohol and/or drugs etc.
Home Insurance
Q.Am I covered if I lose something?
Under the RAA Contents Policy, you can take out Accidental Damage - Contents option. This covers your contents if they are accidentally lost, stolen or damaged anywhere in Australia and New Zealand. You can choose cover up to $2,000 or $5,000 per claim.
Q.Does your policy offer new for old cover?
Yes. When you claim for loss or damage by an insured event or optional cover, we will replace or repair the home or contents item without taking into account any depreciation. In other words your old possession is replaced with a new one regardless of its age. Certain items of contents are covered for a limited amount, please refer to the Product Disclosure Statement (PDS) for full details of cover.
Excess
Q.What does excess mean?
"Excess" is an amount you have to contribute towards any claim. You can elect to remove the excess by paying a slightly higher premium. You may also wish to reduce your premium by selecting a higher excess amount.
Claims
Q.Can we choose our own repairer?
Yes, we allow you full freedom to choose your own repairer. And if you choose an RAA Approved Repairer, we will guarantee the quality of materials and labour used in the repairs for the life of the vehicle.
Payments
Q.What payment options do I have?
You can opt to pay annually, six monthly or monthly. Annual and six monthly payments can be paid by:
  • Phone
    • - call 1300 729 722 using your MasterCard or Visa
  • Bpay
    • - visit your financial institution's web site
  • Post
    • - GPO Box 1499 Adelaide SA 5001
  • Direct Debit
    • - from your nominated bank, credit union or credit card account
  • RAA branches
    • - call into any RAA office You can pay by the month at no extra charge by having your premium deducted by direct debit from your nominated bank, credit union or credit card account each month.
    Q.Can I pay my insurance premiums at the post office?
    No, Australia Post does not accept RAA or RAA Insurance payments.
    Website monitored by AlertSite is a leading provider of Web site monitoring and performance management solutions that help businesses ensure optimum Web experiences for their customers.