Veteran and Vintage Vehicle Insurance

Winner of DBM’s Most Recommended General Insurer award
Multi-policy holder discounts
Cover can start immediately with 21 days to pay
Pay monthly at no extra cost

Australia-wide cover for veteran, vintage and classic vehicles

Preserving our motoring heritage is more than a hobby, it’s a lifestyle. RAA provides Australia-wide cover for veteran, vintage and classic cars.

This insurance covers vehicles manufactured prior to 1940 that are on full private registration, or vehicles that are 25 years of age or older and are on a club-only registration.

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

Comprehensive Veteran and Vintage Insurance Features

1
Summary of benefits
Accidental loss or damage
You’re covered Australia-wide for accidental loss or damage to your vehicle as a result of a storm, fire, flood, hail, collision, malicious damage (such as vandalism) and theft or attempted theft.
Covered Australia-wide
1
Accidents: other cars and property (Legal liability and costs)
You’re covered for up to $20 million in loss or damage to other people’s cars and property caused by your car in Australia. We'll also cover all legal costs and expenses incurred in defending any civil court proceedings arising from an insured event (with our prior agreement).
Legal liability up to $20 million
1
Accidents: other people (Legal liability and costs)
You’re covered for $5 million in costs from bodily injury or death of a person caused by your car in Australia. We'll also cover all legal costs and expenses incurred in defending any civil court proceedings arising from an insured event (with our prior agreement).
Legal liability up to $5 million
1
Claims handled in South Australia
For your convenience, our call centre and claims department are right here in SA.
SA locals
$0 excess if you're not at fault
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.
No excess to pay in some situations
1
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.
Up to $750
Choice of repairer
You can choose a repairer recommended by us, or choose a different repairer who meets our minimum standards. Repairs must not be made without our prior consent. Limits and conditions apply.
Choose from our network of repairers
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.
Repairs guaranteed with RAA Approved Repairers
Taxi home
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 vehicle is stolen or is not drivable as a result of the incident.
Up to $150
Towing and storage
If your vehicle's damaged as a result of an incident, we'll cover the cost of its removal and storage at the nearest repairer or place of safety.
Some removal and storage costs
Personal effects
Where you make a claim for your vehicle, we'll also cover up to $1,000 to replace personal effects (excluding money) that are stolen from your vehicle, or accidentally damaged as part of the incident.
Up to $1,000
Emergency repairs
We'll cover up to $750 for emergency repairs to your vehicle for every claim we accept, so you can get it to your destination, the nearest repairer or place of safety after an incident.
Up to $750
Emergency travel and accommodation
If you're more than 100km from your home and your vehicle's been stolen, or isn't drivable as a result of an incident, we'll cover up to $750 for emergency travel and overnight accommodation.
Up to $750 in certain situations
Rating 1 for life
If you currently hold a rating 1 (maximum insurance rating), you'll keep this rating while you're insured with RAA at no extra cost.
No extra to keep your rating 1
Flexible excess options
Options available to suit your needs.
Choose your excess
14 day change of vehicle cover
When you sell or replace your car for another car, we’ll cover the new car for up to 14 days.
Transfer cover to a new car for up to 14 days
Death of a driver
If the driver of your vehicle is accidentally killed as a result of a motor vehicle accident (private use only), we'll pay $5,000 to the estate of the deceased driver. If the driver under 18 years of age, we'll pay their legal guardian.
$5,000 paid
Theft of keys
We'll cover up to $1,000 for the replacement of car keys, central locking remote control, and/or recoding of locks if your keys are stolen.
Up to $1,000 following theft of keys
Recovery costs following theft
We’ll cover the transport costs, as agreed by us, for returning your vehicle if recovered following a theft.
Some vehicle transport costs after theft
Baby capsule, booster and child seats
We will cover a baby capsule, booster or child seat if it is damaged (and no longer safe) or it is stolen while it's fitted to your vehicle.
Replacement value

Show all features

Call 8202 4567 for a quote

All features and benefits in the table are subject to limitations and exclusions. For full terms, conditions, limitations and exclusions, please refer to the Comprehensive Veteran and Vintage Insurance Product Disclosure Statement (PDF, 412KB). Our Comprehensive Veteran and Vintage Insurance Target Market Determination (PDF, 656KB) provides information about who this product is suitable for. RAA Insurance products are issued by RAA Insurance Limited, ABN 14 007 872 602, AFS Licence No. 232525.

Comprehensive Veteran and Vintage Insurance Features

Use the drop-down menus to compare options

1
Summary of benefits
Accidental loss or damage
You’re covered Australia-wide for accidental loss or damage to your vehicle as a result of a storm, fire, flood, hail, collision, malicious damage (such as vandalism) and theft or attempted theft.
Covered Australia-wide
1
Accidents: other cars and property (Legal liability and costs)
You’re covered for up to $20 million in loss or damage to other people’s cars and property caused by your car in Australia. We'll also cover all legal costs and expenses incurred in defending any civil court proceedings arising from an insured event (with our prior agreement).
Legal liability up to $20 million
1
Accidents: other people (Legal liability and costs)
You’re covered for $5 million in costs from bodily injury or death of a person caused by your car in Australia. We'll also cover all legal costs and expenses incurred in defending any civil court proceedings arising from an insured event (with our prior agreement).
Legal liability up to $5 million
1
Claims handled in South Australia
For your convenience, our call centre and claims department are right here in SA.
SA locals
$0 excess if you're not at fault
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.
No excess to pay in some situations
1
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.
Up to $750
Choice of repairer
You can choose a repairer recommended by us, or choose a different repairer who meets our minimum standards. Repairs must not be made without our prior consent. Limits and conditions apply.
Choose from our network of repairers
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.
Repairs guaranteed with RAA Approved Repairers
Taxi home
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 vehicle is stolen or is not drivable as a result of the incident.
Up to $150
Towing and storage
If your vehicle's damaged as a result of an incident, we'll cover the cost of its removal and storage at the nearest repairer or place of safety.
Some removal and storage costs
Personal effects
Where you make a claim for your vehicle, we'll also cover up to $1,000 to replace personal effects (excluding money) that are stolen from your vehicle, or accidentally damaged as part of the incident.
Up to $1,000
Emergency repairs
We'll cover up to $750 for emergency repairs to your vehicle for every claim we accept, so you can get it to your destination, the nearest repairer or place of safety after an incident.
Up to $750
Emergency travel and accommodation
If you're more than 100km from your home and your vehicle's been stolen, or isn't drivable as a result of an incident, we'll cover up to $750 for emergency travel and overnight accommodation.
Up to $750 in certain situations
Rating 1 for life
If you currently hold a rating 1 (maximum insurance rating), you'll keep this rating while you're insured with RAA at no extra cost.
No extra to keep your rating 1
Flexible excess options
Options available to suit your needs.
Choose your excess
14 day change of vehicle cover
When you sell or replace your car for another car, we’ll cover the new car for up to 14 days.
Transfer cover to a new car for up to 14 days
Death of a driver
If the driver of your vehicle is accidentally killed as a result of a motor vehicle accident (private use only), we'll pay $5,000 to the estate of the deceased driver. If the driver under 18 years of age, we'll pay their legal guardian.
$5,000 paid
Theft of keys
We'll cover up to $1,000 for the replacement of car keys, central locking remote control, and/or recoding of locks if your keys are stolen.
Up to $1,000 following theft of keys
Recovery costs following theft
We’ll cover the transport costs, as agreed by us, for returning your vehicle if recovered following a theft.
Some vehicle transport costs after theft
Baby capsule, booster and child seats
We will cover a baby capsule, booster or child seat if it is damaged (and no longer safe) or it is stolen while it's fitted to your vehicle.
Replacement value

Show all features

Call 8202 4567 for a quote

Third Party Property Insurance Features

1
Summary of benefits
14 day change of vehicle
When you sell or your replace your car for another car, we’ll cover the new car for up to 14 days.
Transfer cover to a new car for up to 14 days
Claims handled in South Australia
For your convenience, our call centre and claims department are right here in SA.
SA local
1
Flexible excess options
Options available to suit your needs.
Choice of excess
1
Accidents: other cars and property (Legal liability and costs)
You’re covered for up to $20 million in loss or damage to other people’s cars and property caused by your car in Australia. We'll also cover all legal costs and expenses incurred in defending any civil court proceedings arising from an insured event (with our prior agreement).
Legal liability up to $20 million
1
Accidents: other people (Legal liability and costs)
You’re covered for $5 million in costs from bodily injury or death of a person caused by your car in Australia. We'll also cover all legal costs and expenses incurred in defending any civil court proceedings arising from an insured event (with our prior agreement).
Legal liability up to $5 million
1
$0 excess if you're not at fault
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.
No excess to pay in some situations
1
Uninsured motorist extension
We’ll pay up to $3,000 for damage to your vehicle caused by the driver/rider of an uninsured vehicle if, in our opinion, the other party was more than 50% at fault and you can supply their name and address and the registration details of their vehicle.
Up to $3,000

Show all features

For a quote call 8202 4567

All features and benefits in the table are subject to limitations and exclusions. For full terms, conditions, limitations and exclusions, please refer to the Third Party Car Insurance Product Disclosure Statement. Our Third Party Car Insurance Target Market Determination provides information about who this product is suitable for. RAA Insurance products are issued by RAA Insurance Limited, ABN 14 007 872 602, AFS Licence No. 232525.

Third Party Property Insurance Features

Use the drop-down menus to compare options

1
Summary of benefits
14 day change of vehicle
When you sell or your replace your car for another car, we’ll cover the new car for up to 14 days.
Transfer cover to a new car for up to 14 days
Claims handled in South Australia
For your convenience, our call centre and claims department are right here in SA.
SA local
1
Flexible excess options
Options available to suit your needs.
Choice of excess
1
Accidents: other cars and property (Legal liability and costs)
You’re covered for up to $20 million in loss or damage to other people’s cars and property caused by your car in Australia. We'll also cover all legal costs and expenses incurred in defending any civil court proceedings arising from an insured event (with our prior agreement).
Legal liability up to $20 million
1
Accidents: other people (Legal liability and costs)
You’re covered for $5 million in costs from bodily injury or death of a person caused by your car in Australia. We'll also cover all legal costs and expenses incurred in defending any civil court proceedings arising from an insured event (with our prior agreement).
Legal liability up to $5 million
1
$0 excess if you're not at fault
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.
No excess to pay in some situations
1
Uninsured motorist extension
We’ll pay up to $3,000 for damage to your vehicle caused by the driver/rider of an uninsured vehicle if, in our opinion, the other party was more than 50% at fault and you can supply their name and address and the registration details of their vehicle.
Up to $3,000

Show all features

For a quote call 8202 4567

Why choose Veteran and Vintage Vehicle Insurance with RAA?

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. Discounts 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.
Pay monthly at no extra cost
You can choose to pay monthly or annually, with no additional cost if you choose to pay by monthly direct debit.
We’re SA local
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.