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RAA car insurance additional benefits

Additional Benefits

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.

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.


Unlimited Windscreen Cover and Repair

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:

Ellie - windscreenYou 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.

To see what else you're covered for take a look at our types of cover page here.



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.

Traveller's Benefit

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 Traveller's Benefit.

Baby capsuleS-n-S Compaq Apple

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).

Emergency repairs

We will cover up to $750 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 $750 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.

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.

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.

Legal costs

We will cover all legal costs and expenses incurred with our prior agreement in defending any civil court proceedings arising from an insured event.

Locks and keysRemote locking and keys

We will cover up to $750 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.

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.

Personal effects

We will cover up to $750 in total for theft of personal effects (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.

Substitute 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.

Taxi home

We will cover up to $150 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 $1,500 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.


Additional Benefits SummaryComp. Car InsuranceThird Party Property Damage InsuranceThird Party Property Damage, Fire & TheftCaravan & Trailer Comp.Motorcycle Comp.

Agreed sum insured

Agreed or Market Value whichever is the higher Tick   Yes
Traveller's BenefitYes  YesYes
Baby CapsuleYes Yes  
Choice of RepairerYes Yes Yes
Death of Driver  -Yes    
Emergency RepairsYes  YesYes
Emergency Travel AccommodationYes  YesYes
14 Day Change of VehicleYesYesYesYesYes
Unlimited windscreen Replacement & RepairYes    
Hire Car Following TheftYes Yes  
Legal CostsYesYesYesYesYes
Locks and KeysYes YesYesYes
Lifetime Vehicle ReplacementYes   Yes
No Fault ExcessYesYesYesYesYes
Personal EffectsYes    
Rating 1 for LifeYes    
Recovery Costs Following TheftYes YesYesYes
Repairs Guaranteed for LifeYes YesYesYes
Substitute vehicleYesYesYesYesYes
Taxi HomeYes  YesYes
Third Party Liability YesYesYesYesYes
Towing and StorageYes YesYesYes
Uninsured motorist extension (UME)^ YesYes  

^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.

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RAA Comprehensive Car Insurance

We make it easy to insure one of your most important financial assets with our Comprehensive Car Insurance. 

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