These benefits apply to Comprehensive Motor Vehicle Insurance however many also apply to other types of insurance. Please refer to the table below to find out which benefits apply to the type of cover you chose.
Agreed value or market value, whichever is the higher
In the event of a total loss we will pay you the agreed or market value - whichever is the higher of the two amounts.
We will provide a 24 hour family emergency assistance service which is automatically included with your comprehensive insurance policy, whenever you are more than 100km or more from home, at no extra costs. Find out more about Aussie Assist.
We will cover up to $500 per baby capsule, booster or child seat if it is damaged or stolen while it is fitted to your vehicle, as a result of an insured event.
Death of driver
We will pay up to $4,000 to the estate of the deceased, if the driver of your vehicle is 18 years old or over and accidentally killed as a result of a motor vehicle accident involving your vehicle (private use only).
We will cover up to $500 if you need to have emergency repairs done to your vehicle so that you can get it to your destination, the nearest repairer or place of safety after an insured event.
Emergency travel / accommodation
We will cover you up to $500 for emergency travel and overnight accommodation so that you can get to your destination or to your residence if you are more than 100km from your home and your vehicle has been stolen or is not drivable as a result of an insured event.
14 day change of vehicle
We will cover a replacement vehicle once you have sold your vehicle for up to 14 days. Cover on the replaced vehicle ceases from the date of purchase of the replacement vehicle.
Effective from 1 November 2015, the section ‘Windscreen claims’ under ‘No excess payable’ in the RAA Comprehensive Car Insurance Product Disclosure Statement has been removed and replaced with the following:
You do not have to pay an excess for windscreen or window glass breakage claims if Comprehensive Car Insurance is shown on your Certificate of Insurance.
If your windscreen can be repaired safely, we will repair it but if it cannot be repaired safely, we will replace it.
Freedom of choice of crash repairer
We give you the freedom to choose your own crash repairer. If you need guidance selecting a repairer we can provide you with a list of RAA Approved Repairers.
Genuine manufacturer parts
Original Equipment Manufacture (OEM) parts consistent with the age and condition of your vehicle.
Hire Car following theft
We will cover the cost of hiring a similar replacement vehicle for up to 21 days if your vehicle is stolen.
We will cover all legal costs and expenses incurred with our prior agreement in defending any civil court proceedings arising from and insured event.
Locks and keys
We will cover up to $500 for the replacement of car keys, central locking remote control and/or recoding of locks of the insured vehicle if your keys are stolen and police investigations conclude they are unlikely to be found.
New vehicle replacement
We will provide a brand new vehicle if your car is a total loss within the first 2 years of the starting date of the original registration.
No fault excess
We will cover you for a no fault excess if in our opinion you were not at fault and you can supply the details of the responsible driver/rider.
We will cover up to $500 in total for theft of personal effect (excluding money) from within your vehicle or accidental damage to such effects if the vehicle itself is damaged or involved in an insured event. For Comprehensive Caravan Insurance the personal effects limit is up to $2,000.
Rating 1 for life
We will cover you for a rating 1 for life at no extra cost if you currently hold rating 1 (maximum no claim discount) and we agree to insure you.
Recovery costs following theft
We will cover the transport costs agreed by us of returning your vehicle if recovered following a theft.
Repairs guaranteed for life
We will guarantee quality, materials and labour costs used in repairs arranged by us at an RAA Approved Repairer for the life of the vehicle.
We will cover you for loss or damage to other people's property when you are driving an uninsured substitute vehicle instead of your vehicle.
We will cover up to $100 for emergency transport by taxi or other appropriate means to your home or another intended destination from the scene of the incident if your vehicle is not drivable as a result of an accident or it has been stolen.
Towing and storage
We will cover the cost in the event of an accident for removal and storage of your damaged vehicle to the nearest repairer or place of safety and to any other place approved by us.
We will cover you up to $1,000 for loss or damage to a trailer owned by you if we accept a claim for the insured vehicle and at the time of the incident the trailer was attached to the insured vehicle.
Lifetime Vehicle Replacement
Effective from 1 November 2015, the section ‘Claims – How much do we pay?’ in the RAA Comprehensive Car Insurance Product Disclosure Statement has been extended to include the following:
If the year of manufacture of the vehicle shown on your Certificate of Insurance is 2014 and after, and
we determine your vehicle to be a total loss, we will replace your vehicle with a new vehicle of the same make and model subject to local availability, including all on road costs, if :
- you purchased your vehicle brand new (including demonstration models), and
- you have had continuous RAA Comprehensive Car Insurance on this vehicle from the date you purchased it.
If we cannot replace your vehicle or order a replacement vehicle within 90 days of your vehicle being determined
a total loss, we will replace your vehicle with a vehicle we determine to be of comparable make and model.
^UME covers limited damage to your vehicle caused by an uninsured driver/rider of an uninsured vehicle. *If we pay a claim under UME we will also include these benefits for you.
The information included in this website and in our brochures is a summary and is intended as a guide only. Each section should be read subject to the full terms, conditions and exclusions as set out in the Product Disclosure Statement (PDS). RAA Insurance products are issued by RAA Insurance Limited, ABN 14 007 872 602, AFS Licence No. 232525.