Call us to get a quote
  • Pay monthly at no extra cost
  • Cover starts immediately with 21 days to pay
  • Member benefits and savings
  • Winner of Canstar's 2019 Most Satisfied  Customers - SA Car Insurer Award

Because you never know what's around the corner

Whether you drive a 4WD, a zippy hatchback or anything in between, RAA has a range of insurance options to suit your needs. 

We can even help with vintage cars or your one-of-a-kind investment. If the unexpected happens, you can rest easy knowing you’re in good hands.

Plus, our insurance policies come with RAA membership, giving you access to a whole world of benefits and savings.

Choose from three types of cover

Comprehensive

Get more from RAA insurance with our Comprehensive Car Insurance product

Third Party, Fire & Theft

Add optional fire and theft cover to our Third Party Insurance product

Third Party

Our Third Party Insurance product covers you for loss or damage caused to someone else's vehicle or property arising out of the use of your vehicle

Comprehensive

Third Party, Fire & Theft

Third Party

  • 1
    Standard benefits

    Unlimited windscreen repair or replacement

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

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    Lifetime Vehicle Replacement

    We’ll replace your vehicle with a brand new vehicle if your car is a total loss, providing it was manufactured in 2014 or after, and you've insured it with RAA Comprehensive Car Insurance since brand new.

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    Sum insured or market value

    In the event of a total loss, we’ll pay the sum insured or market value, whichever is the higher at the time at the time of loss.

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    Theft or attempted theft

    You're covered if your car is stolen or damaged as a result of theft or an attempted theft.

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    Fire

    You're covered if your car is damaged by fire, including bushfire.

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    Legal liability

    We'll cover up to $20 million legal liability for any loss or damage to other people's property arising from the use of your vehicle in Australia.

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  • Claims handled in SA

    For your convenience, our call centre and claims department are right here in SA.

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  • Flood

    You're covered if your car is damaged as the result of a flood.

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  • Hail

    You're covered if your car is damaged due to hail.

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  • New vehicle replacement within 2 years

    If you buy a brand new car and it's written off within two years of the initial registration date, we'll replace it with a brand new one.

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  • Malicious damage (such as vandalism)

    You're covered if your car is damaged due to malicious damage.

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  • Baby capsules, booster and child seats

    We'll cover up to $500 per baby capsule, booster or child seat if it's damaged (and no longer safe) or stolen while it's fitted to your vehicle.

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  • No fault excess

    You don't need to pay an excess if, in our opinion, you weren't at fault and you can supply the details of the other party involved.

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  • Traveller's benefit

    We'll cover up to $750 for transport and accommodation if you're driving more than 100km from home and unexpectedly you become seriously ill or injured.

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  • Hire car following theft

    We'll cover the cost of hiring a similar replacement vehicle for up to 21 days if your car is stolen.

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  • Freedom of choice of repairer

    You've got the freedom to choose your own repairer. Limitations apply. Repairs must not be undertaken without prior consent of RAA. RAA may pay cash in lieu or move your Vehicle if your chosen repairer does not meet RAA’s standards for safety, quality, fairness, effectiveness or price.

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  • Repairs guaranteed for life

    The repairs arranged by us at an RAA Approved crash repairer are guaranteed for so long as you own and continue to insure that vehicle with us.

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  • Genuine manufacturer parts

    We'll authorise repairs with Original Equipment Manufacturer (OEM) parts consistent with age and condition of your car, where appropriate and available.

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  • Taxi home up to $150 after an accident

    We'll cover up to $150 for emergency transport, e.g. a taxi, from the scene of an incident to your home or intended destination, if your car is stolen or isn't drivable as a result of the incident.

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  • Trailer cover up to $1500

    We'll cover up to $1500 for loss or damage to a trailer if, at the time of the incident involving your car, your trailer was attached to your car.

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  • Towing and storage

    If your vehicle is damaged as the result of an insured event, we'll cover the cost of its removal and storage at the nearest repairer or place of safety.

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    If the damage is a result of fire or theft
    fa-check
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  • Personal effects up to $1000

    Where you make a claim for your vehicle, we'll also cover up to $1000 to replace personal effects (excluding money) that are stolen from your vehicle or accidentally damaged as part of the incident.

    fa-check
    fa-times
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  • Emergency repairs

    For every claim we accept, we'll cover up to $750 for emergency repairs to your vehicle so you can get it to your destination, the nearest repairer or place of safety after an insured event.

    fa-check
    fa-times
    fa-times
  • Emergency travel/accommodation

    If you're more than 100km from your home and your car has been stolen, or isn't drivable as a result of an insured event, we'll cover up to $750 for emergency travel and overnight accommodation.

    fa-check
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  • Rating 1 for life

    If you currently hold a rating 1 (maximum no claim discount), you'll keep this rating while you're insured with RAA at no extra cost.

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  • 14 day change of vehicle

    When you sell or replace your car for another car, we’ll cover the new car for up to 14 days.

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  • Flexible excess options

    Options available to suit your needs.

    fa-check
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  • Death of a driver

    If the driver of your vehicle is 18 years old or over, and is accidentally killed as a result of a motor vehicle accident while driving your vehicle (private use only), we'll pay $5,000 to the estate of the deceased.

    fa-check
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  • Replacement of locks and keys up to $750

    We'll cover up to $750 for the replacement of car keys, central locking remote control, and/or recoding of locks if your keys are stolen.

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  • Legal costs

    With our prior agreement, we'll cover all legal costs and expenses incurred in defending any civil court proceedings arising from an insured event.

    fa-check
    fa-check
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Choose from three types of cover

Use the drop-down menus to compare options

Comprehensive
Get more from RAA insurance with our Comprehensive Car Insurance product
Third Party, Fire & Theft
Add optional fire and theft cover to our Third Party Insurance product
Third Party
Our Third Party Insurance product covers you for loss or damage caused to someone else's vehicle or property arising out of the use of your vehicle
Comprehensive
Third Party, Fire & Theft
Third Party
  • 1
    Standard benefits

    Unlimited windscreen repair or replacement

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

    fa-check
    fa-times
    fa-times
  • 1

    Lifetime Vehicle Replacement

    We’ll replace your vehicle with a brand new vehicle if your car is a total loss, providing it was manufactured in 2014 or after, and you've insured it with RAA Comprehensive Car Insurance since brand new.

    fa-check
    fa-times
    fa-times
  • 1

    Sum insured or market value

    In the event of a total loss, we’ll pay the sum insured or market value, whichever is the higher at the time at the time of loss.

    fa-check
    fa-times
    fa-times
  • 1

    Theft or attempted theft

    You're covered if your car is stolen or damaged as a result of theft or an attempted theft.

    fa-check
    fa-check
    fa-times
  • 1

    Fire

    You're covered if your car is damaged by fire, including bushfire.

    fa-check
    fa-check
    fa-times
  • 1

    Legal liability

    We'll cover up to $20 million legal liability for any loss or damage to other people's property arising from the use of your vehicle in Australia.

    fa-check
    fa-check
    fa-check
  • Claims handled in SA

    For your convenience, our call centre and claims department are right here in SA.

    fa-check
    fa-check
    fa-check
  • Flood

    You're covered if your car is damaged as the result of a flood.

    fa-check
    fa-times
    fa-times
  • Hail

    You're covered if your car is damaged due to hail.

    fa-check
    fa-times
    fa-times
  • New vehicle replacement within 2 years

    If you buy a brand new car and it's written off within two years of the initial registration date, we'll replace it with a brand new one.

    fa-check
    fa-times
    fa-times
  • Malicious damage (such as vandalism)

    You're covered if your car is damaged due to malicious damage.

    fa-check
    fa-times
    fa-times
  • Baby capsules, booster and child seats

    We'll cover up to $500 per baby capsule, booster or child seat if it's damaged (and no longer safe) or stolen while it's fitted to your vehicle.

    fa-check
    fa-check
    fa-times
  • No fault excess

    You don't need to pay an excess if, in our opinion, you weren't at fault and you can supply the details of the other party involved.

    fa-check
    fa-check
    fa-check
  • Traveller's benefit

    We'll cover up to $750 for transport and accommodation if you're driving more than 100km from home and unexpectedly you become seriously ill or injured.

    fa-check
    fa-times
    fa-times
  • Hire car following theft

    We'll cover the cost of hiring a similar replacement vehicle for up to 21 days if your car is stolen.

    fa-check
    fa-check
    fa-times
  • Freedom of choice of repairer

    You've got the freedom to choose your own repairer. Limitations apply. Repairs must not be undertaken without prior consent of RAA. RAA may pay cash in lieu or move your Vehicle if your chosen repairer does not meet RAA’s standards for safety, quality, fairness, effectiveness or price.

    fa-check
    fa-check
    fa-times
  • Repairs guaranteed for life

    The repairs arranged by us at an RAA Approved crash repairer are guaranteed for so long as you own and continue to insure that vehicle with us.

    fa-check
    fa-check
    fa-times
  • Genuine manufacturer parts

    We'll authorise repairs with Original Equipment Manufacturer (OEM) parts consistent with age and condition of your car, where appropriate and available.

    fa-check
    fa-check
    fa-times
  • Taxi home up to $150 after an accident

    We'll cover up to $150 for emergency transport, e.g. a taxi, from the scene of an incident to your home or intended destination, if your car is stolen or isn't drivable as a result of the incident.

    fa-check
    fa-times
    fa-times
  • Trailer cover up to $1500

    We'll cover up to $1500 for loss or damage to a trailer if, at the time of the incident involving your car, your trailer was attached to your car.

    fa-check
    fa-times
    fa-times
  • Towing and storage

    If your vehicle is damaged as the result of an insured event, we'll cover the cost of its removal and storage at the nearest repairer or place of safety.

    fa-check
    If the damage is a result of fire or theft
    fa-check
    fa-times
  • Personal effects up to $1000

    Where you make a claim for your vehicle, we'll also cover up to $1000 to replace personal effects (excluding money) that are stolen from your vehicle or accidentally damaged as part of the incident.

    fa-check
    fa-times
    fa-times
  • Emergency repairs

    For every claim we accept, we'll cover up to $750 for emergency repairs to your vehicle so you can get it to your destination, the nearest repairer or place of safety after an insured event.

    fa-check
    fa-times
    fa-times
  • Emergency travel/accommodation

    If you're more than 100km from your home and your car has been stolen, or isn't drivable as a result of an insured event, we'll cover up to $750 for emergency travel and overnight accommodation.

    fa-check
    fa-times
    fa-times
  • Rating 1 for life

    If you currently hold a rating 1 (maximum no claim discount), you'll keep this rating while you're insured with RAA at no extra cost.

    fa-check
    fa-times
    fa-times
  • 14 day change of vehicle

    When you sell or replace your car for another car, we’ll cover the new car for up to 14 days.

    fa-check
    fa-check
    fa-check
  • Flexible excess options

    Options available to suit your needs.

    fa-check
    fa-check
    fa-check
  • Death of a driver

    If the driver of your vehicle is 18 years old or over, and is accidentally killed as a result of a motor vehicle accident while driving your vehicle (private use only), we'll pay $5,000 to the estate of the deceased.

    fa-check
    fa-times
    fa-times
  • Replacement of locks and keys up to $750

    We'll cover up to $750 for the replacement of car keys, central locking remote control, and/or recoding of locks if your keys are stolen.

    fa-check
    fa-check
    fa-times
  • Legal costs

    With our prior agreement, we'll cover all legal costs and expenses incurred in defending any civil court proceedings arising from an insured event.

    fa-check
    fa-check
    fa-check

We can help with more specialised car insurance options too

If you’ve poured your heart and soul into preserving a classic car, it deserves special attention.

If you’re having trouble finding cover for a unique vehicle, contact us about our Hard to Place Car Insurance.

You can add optional hire car cover to your Comprehensive Car Insurance policy.

Why choose RAA Car 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.
  • 10% Seniors Card holder discount

    Seniors Card holders are entitled to a 10% discount on their car insurance policy.
  • We're SA locals

    We’re based right here in SA, so you’ll always deal with a local. We’re proud of our commitment to doing more for South Australians.

We're here to help

  • Call us

    Monday to Friday, 8am to 6pm
    Saturday, 9am to 12pm
  • Enquire online

    Send us a message and we'll contact you
  • Find a shop

    Drop in and chat face-to-face
  • Help centre

    Find answers to frequently asked questions, access key documents and more

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 Comprehensive Car Insurance Product Disclosure Statement (PDF, 503KB) with the Supplementary Product Disclosure Statement (PDF, 70KB) or the Third Party Car Insurance Product Disclosure Statement (PDF, 487KB) with the Supplementary Product Disclosure Statement (PDF, 70KB) RAA Insurance products are issued by RAA Insurance Limited, ABN 14 007 872 602, AFS Licence No. 232525.

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