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    Winner of Canstar's Most Satisfied Customers - SA Car Insurer Award 2019-2023
  • Discounts and benefits for RAA members
  • Easy online claims 24/7
  • Pay monthly at no extra cost

Get a Comprehensive Car Insurance quote from SA locals

Our Comprehensive Car Insurance covers your car for incidents like a crash, fire, storm and theft. Plus, it will cover the damage caused by your car to someone else's car or property.

Compare our two levels of Comprehensive Car Insurance to find the right cover for your car, including electric vehicles.

Getting a quote online is quick and easy, and you can claim online 24/7.



We'll cover your car for these incidents
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An accident or car crash

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Hail and storm

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Flood
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Malicious damage like vandalism

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Theft or attempted theft

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Fire including bushfire

Get a quote online


Compare our Comprehensive Car Insurance cover levels

Premium Comprehensive

Standard Comprehensive

Premium Comprehensive

Standard Comprehensive

  • 1

    $0 excess windscreen repair or replacement

    Repair or replacement of your windscreen, window or roof glass. With Premium Comprehensive, you won't pay an excess for windscreen or window glass breakage claims.

    With Standard Comprehensive, if you choose the optional cover, you won't have to pay an excess for the first repair or replacement in your policy term. You may have to pay the basic excess for any more claims.

    Unlimited - $0 excess
    Optional - One $0 excess
  • 1

    New vehicle replacement

    If you buy a brand new car and it's written off within 5 or 2 years of the initial registration date, we'll replace it with a brand new one.
    Included - 5 years
    Included - 2 years
  • 1

    $200 mobility benefit

    When your claim is settled, we'll make a $200 payment to you to help with transport costs you might have had after select incidents. 
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  • 1

    Hire car following theft

    We'll cover part of the cost of a hire car for up to 21 days if your car is stolen.
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  • 1

    Accidents: Other cars, property and people (legal liability)

    You're covered for up to $20 million in loss or damage to other people's cars and property and $5 million in costs from bodily injury or death of a person, caused by your car in Australia.
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  • 1

    Choice of repairer

    You can use a repairer from our network or you can choose your own, they just need to meet our standards. Repairs must not be made without our prior consent.
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  • Repairs guaranteed for life

    Repairs are guaranteed for life on the quality of materials and labour used at RAA Approved crash repairers, as long as you continue to insure your car with us.
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  • Tools of trade

    We'll cover up to $3,000 for your tools of trade if they're accidentally damaged or stolen from your car.
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  • Personal effects up to $1,500

    We'll cover up to $1,500 to replace any personal items (except money) that are stolen from your car or accidentally damaged in an incident. 
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  • Emergency repairs

    We'll cover up to $750 for emergency repairs to your car so you can get to your destination or nearest repairer after an incident.
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  • Emergency travel and accommodation

    We'll cover up to $750 for emergency travel and accommodation if you're more than 100km from home and your car is stolen or can't be driven after an incident.
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  • Transport up to $150 following an incident

    We'll cover up to $150 for emergency transport (e.g. a taxi or rideshare) from an incident if your car can't be driven. 
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  • Theft of keys

    We'll cover up to $1,000 to replace your car keys, central locking remote controls or recode locks.
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  • Towing and storage

    We'll cover the cost of towing your car if it's damaged in an incident. We'll tow it to the nearest repairer and, if needed, cover storage costs until it can be repaired.
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  • 14 day change of vehicle

    When you sell or replace your car, we'll cover the new car at the same level of cover for up to 14 days.
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  • Baby capsules, booster and child seats

    We'll replace baby capsules, booster and child seats if they're damaged in an incident or stolen while they're fitted to your car.
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  • Trailer cover up to $1,500

    We'll cover up to $1,500 for loss or damage to a trailer, if your car and trailer were both damaged in an incident. 
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Get a quote online

All features and benefits in the table are subject to limitations and exclusions. For full terms, conditions, limitations and exclusions, please refer to the relevant Product Disclosure Statements (PDS) and Target Market Determinations (TMD). RAA Insurance products are issued by RAA Insurance Limited, ABN 14 007 872 602, AFS Licence No. 232525.

Compare our Comprehensive Car Insurance cover levels

Use the drop-down menus to compare options

Comparing 2 of 2

VS
Premium Comprehensive
Standard Comprehensive
Get a quote
Get a quote
Premium Comprehensive
Standard Comprehensive
  • 1

    $0 excess windscreen repair or replacement

    Repair or replacement of your windscreen, window or roof glass. With Premium Comprehensive, you won't pay an excess for windscreen or window glass breakage claims.

    With Standard Comprehensive, if you choose the optional cover, you won't have to pay an excess for the first repair or replacement in your policy term. You may have to pay the basic excess for any more claims.

    Unlimited - $0 excess
    Optional - One $0 excess
  • 1

    New vehicle replacement

    If you buy a brand new car and it's written off within 5 or 2 years of the initial registration date, we'll replace it with a brand new one.
    Included - 5 years
    Included - 2 years
  • 1

    $200 mobility benefit

    When your claim is settled, we'll make a $200 payment to you to help with transport costs you might have had after select incidents. 
    fa-check
    fa-times
  • 1

    Hire car following theft

    We'll cover part of the cost of a hire car for up to 21 days if your car is stolen.
    fa-check
    fa-check
  • 1

    Accidents: Other cars, property and people (legal liability)

    You're covered for up to $20 million in loss or damage to other people's cars and property and $5 million in costs from bodily injury or death of a person, caused by your car in Australia.
    fa-check
    fa-check
  • 1

    Choice of repairer

    You can use a repairer from our network or you can choose your own, they just need to meet our standards. Repairs must not be made without our prior consent.
    fa-check
    fa-check

  • Repairs guaranteed for life

    Repairs are guaranteed for life on the quality of materials and labour used at RAA Approved crash repairers, as long as you continue to insure your car with us.
    fa-check
    fa-check

  • Tools of trade

    We'll cover up to $3,000 for your tools of trade if they're accidentally damaged or stolen from your car.
    fa-check
    fa-times

  • Personal effects up to $1,500

    We'll cover up to $1,500 to replace any personal items (except money) that are stolen from your car or accidentally damaged in an incident. 
    fa-check
    fa-check

  • Emergency repairs

    We'll cover up to $750 for emergency repairs to your car so you can get to your destination or nearest repairer after an incident.
    fa-check
    fa-check

  • Emergency travel and accommodation

    We'll cover up to $750 for emergency travel and accommodation if you're more than 100km from home and your car is stolen or can't be driven after an incident.
    fa-check
    fa-check

  • Transport up to $150 following an incident

    We'll cover up to $150 for emergency transport (e.g. a taxi or rideshare) from an incident if your car can't be driven. 
    fa-check
    fa-check

  • Theft of keys

    We'll cover up to $1,000 to replace your car keys, central locking remote controls or recode locks.
    fa-check
    fa-check

  • Towing and storage

    We'll cover the cost of towing your car if it's damaged in an incident. We'll tow it to the nearest repairer and, if needed, cover storage costs until it can be repaired.
    fa-check
    fa-check

  • 14 day change of vehicle

    When you sell or replace your car, we'll cover the new car at the same level of cover for up to 14 days.
    fa-check
    fa-check

  • Baby capsules, booster and child seats

    We'll replace baby capsules, booster and child seats if they're damaged in an incident or stolen while they're fitted to your car.
    fa-check
    fa-check

  • Trailer cover up to $1,500

    We'll cover up to $1,500 for loss or damage to a trailer, if your car and trailer were both damaged in an incident. 
    fa-check
    fa-check
Get a quote online

All features and benefits in the table are subject to limitations and exclusions. For full terms, conditions, limitations and exclusions, please refer to the relevant Product Disclosure Statements (PDS) and Target Market Determinations (TMD). RAA Insurance products are issued by RAA Insurance Limited, ABN 14 007 872 602, AFS Licence No. 232525.

Add optional covers for your peace of mind

Hire car cover

Covers the cost of a hire car following an incident, up to $90 per day for up to 21 days.

Also covers you when hiring a car within Australia. If the car's damaged or stolen, we'll pay the excess you owe the hire car company, up to $4,000. You'll just pay your RAA basic excess.

More on Hire Car Cover

$0 excess windscreen repair or replacement

Premium Comprehensive contains unlimited $0 excess windscreen repairs or replacements.

For Standard Comprehensive, you can add cover for one $0 excess repair or replacement per policy term. You may have to pay the basic excess for any more claims.

Get a quote online

Why choose RAA insurance?

  • 10% multi-policy discount

    We give you a 10% discount on each policy when you hold three or more insurance policies with RAA (excluding Travel Insurance) in the same name.*
  • Piggy bank

    10% Seniors Card holder discount

    Seniors Card holders can get a 10% discount on their car insurance policy.*

  • Shopping and entertainment discounts

    Access to our member benefits, so you can enjoy discounts to many stores throughout Australia and online.

*Discounts do not apply to optional covers or statutory charges. A minimum premium applies. Discounts to your existing insurance policies will be applied at the next renewal of each policy.


  • We've won Canstar's Most Satisfied Customers - SA Car Insurer Award for the fifth year running

    In 2023 our members once again reported higher levels of product and service satisfaction than those of other eligible insurers.

    Read more


Frequently asked questions

  • What's the difference between Premium and Standard Comprehensive cover?

    Both levels of Comprehensive insurance cover damage to your car, as well as damage caused by your car to someone else's vehicle or property, and cover if your car is stolen or damaged by fire.

    Premium Comprehensive is our car insurance with the highest level of cover. It has four benefits you can't get with Standard: 

    • Unlimited $0 excess windscreen repair or replacement
      Repair or replacement of your windscreen, window or roof glass. You won't pay an excess for windscreen or window glass breakage claims.
    • $200 mobility benefit 
      When your claim is settled, we'll make a $200 payment to you to help with transport costs you might have had after select incidents. 
    • Tools of trade
      We'll cover up to $3,000 for your tools of trade if they're accidentally damaged or stolen from your car.
    • 5 year new vehicle replacement
      If you buy a brand new car and it's written off within 5 years of the initial registration date, we'll replace it with a brand new one.

    Standard Comprehensive doesn't have the above four benefits, but it does have: 

    • 2 year new vehicle replacement
      If you buy a brand new car and it's written off within 2 years of the initial registration date, we'll replace it with a brand new one.
    • Optional cover: One $0 excess windscreen repair or replacement
      You can choose to add one $0 excess repair or replacement of your windscreen, window or roof glass to your Standard Comprehensive cover. You may have to pay the basic excess if you make more than one windscreen claim in the same term of your policy.

  • Do I have to pay an excess if an accident wasn't my fault?

    No, you won't need to pay an excess if we decide you were not 'at fault' for an accident.

    If you're not 'at fault' it means you could provide us with the details of who caused the accident, and after an investigation we decide that person's actions were the main cause, and not yours. 

    When no one is at fault like in a hail storm or if a tree falls on your car, or if you can't identify who caused the accident (e.g. if they hit your car in a carpark but didn't stop or leave a note) you'll still need to pay us any excesses that apply to you. 

    Check the Product Disclosure Statement for more information.

  • Am I covered if I accidentally scratch my car?

    Our Comprehensive Car Insurance includes cover for when you accidentally damage your car. We'll cover the cost of the repair for the incident, you'll just need to pay us any excesses that apply to you.

    Check the Product Disclosure Statement for limits and exclusions.

  • What cover is available for my electric vehicle?

    Both our Standard and Premium levels of Comprehensive Car Insurance cover electric and hybrid vehicles. You'll be covered for damage to your EV, plus damage caused by your EV to someone else's car or property.

    Electric vehicle batteries are covered for damage from an incident like crash, fire or theft just like an engine would be. And standard accessories like charging cables or portable chargers are covered in the event of an insured incident too.

    You'll also be covered for damage caused by your EV when using public charging stations.

    Home EV chargers are covered in the event of fire, flood, storm and theft under our Home Insurance policies. Read more on Home Insurance

    Check the relevant Product Disclosure Statement for limits and exclusions.

Read more FAQs



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Things you should know

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 relevant Product Disclosure Statements (PDS) and Target Market Determinations (TMD). RAA Insurance products are issued by RAA Insurance Limited, ABN 14 007 872 602, AFS Licence No. 232525.

Read the General Insurance Code of Practice and our complaint policy for further information about your rights.

For details on your rights and benefits as an RAA member, please refer to the Membership Terms and Conditions.