Call us to get a quote
  • Back to back winner of Canstar's Most Satisfied Customers - SA Car Insurer Award 2019-2021
  • Member benefits and savings
  • Cover starts immediately with 21 days to pay
  • Pay monthly at no extra cost

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.

How we're keeping you moving through COVID-19  Find out more 

Choose from three types of cover

Comprehensive

Covers damage to your vehicle, as well as damage caused by your car to someone else's vehicle or property, and cover for if your car is damaged by fire or stolen.

Third Party, Fire & Theft

Covers damage caused by your car to someone else's vehicle or property, as well as cover for if your car is damaged by fire or stolen.

Third Party

Covers damage caused by your car to someone else's vehicle or property.

Comprehensive

Third Party, Fire & Theft

Third Party

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    Standard benefits

    Crash: your car

    We’ll repair or replace your car in an insured incident in Australia.

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    Unlimited windscreen repair or replacement

    Repair or replacement of your windscreen, window or roof glass, 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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    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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    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).

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  • 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).

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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 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.

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  • $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.

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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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  • 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.

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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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  • 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 incident, 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
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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.

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  • 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.

    fa-check
    fa-times
    fa-times
  • Emergency travel and 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 incident, we'll cover up to $750 for emergency travel and overnight accommodation.

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  • 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.

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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.

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  • 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.

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  • 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.

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Choose from three types of cover

Use the drop-down menus to compare options

Comparing 2 of 3 cover types

To compare prices for each cover type, you'll need to get a quote.

Comprehensive
Covers damage to your vehicle, as well as damage caused by your car to someone else's vehicle or property, and cover for if your car is damaged by fire or stolen.
Third Party, Fire & Theft
Covers damage caused by your car to someone else's vehicle or property, as well as cover for if your car is damaged by fire or stolen.
Third Party
Covers damage caused by your car to someone else's vehicle or property.
  • 1
    Standard benefits

    Crash: your car

    We’ll repair or replace your car in an insured incident in Australia.

    fa-check
    fa-times
    fa-times
  • 1

    Unlimited windscreen repair or replacement

    Repair or replacement of your windscreen, window or roof glass, 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

    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

    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).

    fa-check
    fa-check
    fa-check
  • 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).

    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 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.

    fa-check
    fa-check
    fa-times
  • $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.

    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
  • 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.

    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
  • 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 incident, 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

    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.

    fa-check
    fa-times
    fa-times
  • Emergency travel and 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 incident, 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 insurance rating), 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 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.

    fa-check
    fa-times
    fa-times
  • 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.

    fa-check
    fa-check
    fa-times

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 or the Third Party Car Insurance Product Disclosure Statement. Our Comprehensive Car Insurance Target Market Determination and Third Party Car Insurance Target Market Determination provide information about who these products are suitable for. RAA Insurance products are issued by RAA Insurance Limited, ABN 14 007 872 602, AFS Licence No. 232525.

Read our General Insurance Code of Practice and complaint resolution information.

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