We reward our loyal members

The longer you've been with RAA and the more products you have with us, the more you could save.

There are a range of ways to save on RAA products and policies including loyalty discounts, holding multiple or combinations of select products and with a Seniors Card.

Loyalty discounts

The amount you save will depend on how long you've been a member and what products you have.

What you need

To earn a loyalty saving, you need to have at least 1 eligible insurance policy and 1 eligible Road Service product.

See how much you'd save by using the savings tables.

Road Service

Eligible products include:

  • Personal Road Service
  • Other eligible Road Service²

 Possible savings per product, per year¹
Blue/Bronze member  $20
Silver/Gold/Gold 50 member  $30

Insurance³ 

Eligible products include:

  • Car Insurance 
  • Home Insurance  
  • Contents Insurance 
  • Landlord or Short Stay Insurance – Building  
  • Landlord or Short Stay Insurance – Furnishings  
  • Other eligible insurance⁴ 

 Possible savings per product, per year¹
Blue/Bronze member  $20
Silver/Gold/Gold 50 member  $30

Combined insurance³ 

Eligible products include:

  • Home and Contents Insurance 
  • Landlord or Short Stay Insurance – Building and Furnishings 


 Possible savings per product, per year¹
Blue/Bronze member  $40
Silver/Gold/Gold 50 member  $60

 

¹ Discounts to your existing products will be applied at the next renewal of each policy or product.  
² Other eligible Road Services products are: Subaru Vehicle and Mitsubishi Vehicle Road Service. Personal Road Service within a family group is eligible.  
Not eligible: Fleet, Taxi and Ford Vehicle Road Service.  
³ A minimum premium applies and discounts do not apply to optional benefits or statutory charges. 
⁴ Other eligible insurance products are: Motorcycle and Mobility Scooter Insurance, Boat Insurance, Caravan and Trailer Insurance, Vintage and Veteran Car Insurance and Hard to Place Car Insurance.  
Not eligible: Travel Insurance and business insurance policies. 


Total discount examples

  • Blue member calculation

    Road Service and Comprehensive Car Insurance 

    A blue member with Personal Road Service and Standard Comprehensive Car Insurance saves up to:

    • $20 off Road Service
    • $20 off Comprehensive Car Insurance

    That's a total saving of $40 a year.

    Home and Contents Insurance, Road Service and Comprehensive Car Insurance 

    A blue member with Home and Contents Insurance, Personal Road Service and Standard Comprehensive Car Insurance saves up to: 

    • $40 off Home and Contents Insurance 
    • $20 off Road Service 
    • $20 off Comprehensive Car Insurance

    That's a total saving of $80 a year. 

  • Gold member calculation

    Road Service and Comprehensive Car Insurance

    A gold member with Personal Road Service and Standard Comprehensive Car Insurance saves up to:

    • $30 off Road Service
    • $30 off Comprehensive Car Insurance

    That's a total saving of $60 a year. 

    Home and Contents Insurance, Road Service and Comprehensive Car Insurance

    A gold member with Home and Contents Insurance, Personal Road Service and Standard Comprehensive Car Insurance with us saves up to:

    • $60 off Home and Contents Insurance
    • $30 off Road Service
    • $30 off Comprehensive Car Insurance

    That's a total saving of $120 a year.

  • Blue member at renewal calculation

    Discounts at renewal

    If a member has an existing eligible product and then buys a new eligible product later, the discount for the new product will apply at purchase but the discount to the existing product will only apply at renewal. 

    For example:

    A person purchased a new Comprehensive Car insurance policy in January 2023, making them a blue member. They then purchased Personal Road Service in June 2023. When they purchased Road Service they then had an eligible combination of products to receive loyalty discounts.

    They received $20 off their Road Service at purchase in June 2023 and then when their Comprehensive Car Insurance policy renewed in January 2024, then received $20 off the policy.

    Their saving for 2023 was $20 and for 2024 was $40.

Gold 50 members enjoy more

In addition to any loyalty discounts, Gold 50 members automatically get 50% off Standard Road Service – or the equivalent value off if they choose a higher level.


Multi-policy and combination discounts


You can receive discounts for holding certain combinations and numbers of insurance policies in addition to any loyalty discounts.

Multi-policy discount

We give you a discount of up to 10% on each policy when you hold three or more insurance policies with RAA in the same name (excluding Travel Insurance).⁴

Home and contents insurance combined discount

We give you a discount of up to 10% on home and contents insurance combined on the one policy.⁴

Landlord and short stay building and furnishings combined discount

We give you a discount of up to 10% on landlord and short stay insurance, where building and furnishing cover is combined on the one policy.⁴

⁴Discounts do not apply to optional benefits or statutory charges. A minimum premium applies. Discounts to your existing insurance policies will be applied at the next renewal of each policy.

  • It's better to be a member

    RAA members can receive discounts on shopping and entertainment with RAA Rewards, enter exclusive competitions and access member-only services.
    Plus, we love to reward our loyal members with savings on select policies and products.

    Explore member benefits

Frequently asked questions

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Things you should know

Allianz South Australia Insurance Limited ABN 14 007 872 602 AFSL 232525 (Allianz SA) is the insurer and Royal Automobile Association of South Australia Limited ACN 677 371 274 (RAA) issues this under binder from Allianz SA. RAA do not provide any advice based on any consideration of your objectives, financial situation or needs. Policy terms, conditions, limits, exclusions, and underwriting criteria apply. Before making a decision about this insurance, please consider the Product Disclosure Statements (PDS) and Supplementary PDS (if applicable) and the Target Market Determinations (TMD).