To get a quote or make a claim call us
  • Pay monthly at no extra cost
  • Cover starts immediately with 21 days to pay
  • Member benefits and savings
  • Multi-policy holder discount

Insure your modified or imported car

When you own a modified or imported car it can be a real challenge finding insurance. Our Hard to Place Car Insurance provides specialist cover to protect your unique vehicle against some of life's mishaps.

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

Comprehensive Hard to Place Car 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

    Legal liability

    We’ll cover up to $20 million legal liability for any loss or damage to someone else's property arising from the use of your vehicle in Australia.
    Up to $20 million
  • 1

    Claims handled in South Australia

    For your convenience, our call centre and claims department are right here in SA.
    SA locals
  • 1

    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.
    No excess to pay in some situations
  • 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
  • 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. 
    Choose your own crash repairer
  • 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 car 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 insured event, 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 $750 to replace personal effects (excluding money) that are stolen from your vehicle or accidentally damaged as part of the incident.
    Up to $750
  • 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.
    Up to $750
  • Emergency travel/accommodation

    If you're more than 100km from your home and your car's 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.
    Up to $750 in certain situations
  • 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.
    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
  • Replacement of locks and keys

    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.
    Up to $750 following theft
  • 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.
    Cover all legal costs and expenses
  • Hire car following theft

    We'll cover the cost of hiring a replacement vehicle for up to 21 days if your car is stolen.
     
    Up to 21 days
  • 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'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.
    Up to $500

Comprehensive Hard to Place Car 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

    Legal liability

    We’ll cover up to $20 million legal liability for any loss or damage to someone else's property arising from the use of your vehicle in Australia.
    Up to $20 million
  • 1

    Claims handled in South Australia

    For your convenience, our call centre and claims department are right here in SA.
    SA locals
  • 1

    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.
    No excess to pay in some situations
  • 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
  • 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. 
    Choose your own crash repairer
  • 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 car 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 insured event, 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 $750 to replace personal effects (excluding money) that are stolen from your vehicle or accidentally damaged as part of the incident.
    Up to $750
  • 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.
    Up to $750
  • Emergency travel/accommodation

    If you're more than 100km from your home and your car's 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.
    Up to $750 in certain situations
  • 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.
    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
  • Replacement of locks and keys

    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.
    Up to $750 following theft
  • 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.
    Cover all legal costs and expenses
  • Hire car following theft

    We'll cover the cost of hiring a replacement vehicle for up to 21 days if your car is stolen.
     
    Up to 21 days
  • 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'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.
    Up to $500

Why choose Hard to Place 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. 
  • Pay monthly at no extra cost

    You can choose to pay monthly or annually, with no additional cost if you choose monthly direct debit.
  • 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

    Access important 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 Hard To Place Product Disclosure Statement (PDS) 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.