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

 Saving 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 

 Saving 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 


 Saving 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:

    • $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: 

    • $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:

    • $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:

    • $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.

10% multi-policy discount

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

10% home and contents insurance combined discount

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

10% landlord and short stay building and furnishings combined discount

We give you a 10% discount 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

We're here to help

  • Call us

    Monday to Friday, 8am to 6pm
    Saturday, 9am to 12pm
    8202 4600

  • Switch to email

    Get important documents faster by switching to email
    Switch now

  • Need a replacement card?

    Download the RAA app to get a digital membership card, or give us a call on 8202 4600
    Download the app

  • Help centre

    Send us an enquiry, view the RAA Constitution and more
    Get help