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BBGreat Southern, WA
RAC - Worst Insurer In Australia - continually deny claims & are liars! WORST ISURER!
Continually have denied my ongoing claims & falsely calculate minimal claim payments - Continually ignore legal documents stating rent component from District Court in Western Australia! As a result Of RAC Actions I now have 3 Investment Properties in mortgage arrears and legal receivership by the BANKS! RAC have continually nit assessed my claim on a claim-by-claim basis! Do not use AFCA to resolve your insurance complaint with RAC as this is not a government service & is directly financially funded by insurers & financial institutions who are partnered members Of AFCA (Australian Financial Complaints Authority). I recommend Seeking legal advice & finding another insurer other than RAC...! 0 stars out Of 5 stars rating
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Would not cover
I brought insurance over the phone over a year ago as I wanted to actually speak to someone to make sure I got the best cover possible, I explained our situation and asked for everything to be covered no matter what happened to it. a year later we get a big storm bring water in completely ruined the carpet bed mattress ect and was told I'm not covered for storm insurance because I never asked for it (never once was I offered or even told that was a separate matter) was told if I had of had building insurance I would of been (however I'm renting...Read more
and I was even told I couldn't of insured the building?) fair enough I never asked specifically for storm insurance but I didnt know I had to considering I asked for everything to be covered and was never told this was seperate. I thought maybe this was a common sense and I was wrong but so far today talked to 3 different friends with this insurance and all were under the impression they were covered for things they weren't! was told that had my of computer or something else been damaged by the storm I would be covered (even though I apparently didn't have storm insurance witch is why I'm not covered for my claim but all of a sudden I partly have storm insurance since I could of claimed that) but a bed and carpet arnt covered because there not 'personal items' but my computer is? I had no intention of even making a claim until a subcontractor for them (was sent by my landlord not my insurance) came out and said I should make a claim, someone from there own company told me to but yet there manager on the phone said I couldn't? it makes no sense what so ever the last I was talking to was even going back and forth!Similar opinion? Write a review on ieatwords.com.au!
Matt SPerth, WA
- 3 reviews
$120 from a $6000 bill.
I will be looking for another insurance company.
Storm damage knocked down parts of my fence but the product has been discontinued and unable to be repaired. The only option is a replacement, but this is not covered.
I was under the impression that insurance was there to cover unexpected costs due to unexpected circumstances. It's that simple.
After being a customer for 7 years I was set to receive a whopping $120 for a $6000 bill.
Terrible faceless company.
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Landlords Building and Contents Insurance
In 2018 and 2022, all insurance costs went more than the rate of insurance from the Bureau of Statistics. Emailed RAC for them to provide feedback, and not one reply. Much cheaper rates being a new customer than a long term one.
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Ezzy floPerth, WA
- 2 reviews
Do not insure your phone with them
My phone screen cracked and they were happy to pay for repair . My only concern was my phone costed me 1300 dollars and 2 years later it cant even be found in the market. And they wudnt even replace it with the same phone or equivalent phone.
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keryn
- 3 reviews
looking for another company
Our fence blew over in a storm and they didnt cover anywhere near the cost of a new fence. I have been with rac for well over 25 years and have barely made a claim. The cost of insurance rises every year and they dont seem to care any more. just about their bottom line profit.
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Excuses and surprises
Bore pump burnt out so had it repaired. Made a claim with RAC........3 weeks later and a few phone calls later they obtained an independent quote which was $700 less than the invoice I received (for eligible claimable parts) which required an electrician and retic guy to install. They work hard to avoid paying what you reasonably expect.
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RobPerth, WA
Crooks
My patio blew over in a storm and due to it being old and have some rot they would not cover it. A Loyal customer for many years and it shows the premiums we pay every year are worth nothing
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Disgusted after 40 years
I cant believe after 40 years with RAC building/contents, cars & memberships etc that RAC increased our building & contents insurance premiums by 60% apparently due to the area we live in (Lancelin??). When we contacted RAC they had no interest at all with a 40+ year loyal customers concerns & politely fobbed us off. I would suggest that all current RAC customers shop around for a better price (as we did) & forget about loyalty.
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hate-RACPerth, WA
crowd funding's better
insuring with RAC is like throwing money in the river
friendly when they try to get your business
when you make a claim it's all different: THEY JUST DO NOT GIVE A DAMN
Do not insurance, it is a waste of money and you are dealing with crooks, it is a false safety
and causes nothing but frustration and heartache
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AaronPerth, WA
- 2 reviews
- 1 like
Great customer service
I put a claim for 6m of fence that had fallen down. and recieved the pay out quite quickly. I then got a few quotes and it worked out to be 8m not 6m. I phoned Rac and explained it was 8m not 6m and it was asbestos not hardiflex. Rac then payed out for one of the quotes i had been given. I could not fault the whole process all the staff were really helpfully. I cant recommend rac enough
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try to avoid claim from client
got a burned out rangehood. RAC sent someone to check and said the issue wasn't from the rangehood. Got power supply problem. I know it was crap. I called an electrician to check the power supply. No power supply issue. I just bought a new rangehood. RAC knew that i can't touch the power so that i can't claim.
i will walk away from this company.
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Allen V.Perth, WA
- 3 reviews
Walk Away
Disgusting effort. We had a leak come into our laundry from the roof from a recent storm and we were knocked back on our claim because they blamed it on a ceiling fan in the bathroom.
The bathroom has no damage whatsoever (where the ceiling fan is), and the fan has been there for the past several years with no effects.
I had my son get up onto the roof with a hose and there was water running in from two places on the roof under the solar heater. The storm had obviously lifted the heater and broke at least two tiles which has caused the leak. It...Read more
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fulloPeel, WA
No explanation
Been with RAC for many tears and this year policy increase of 14% tried to find out why - answer was we review areas and pricing from time to time - no further details available - reviewing ongoing insurer- if any detailed explanation giving may have reconsidered them
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Ripped offPerth, WA
- 4 reviews
Ripped off
They work in conjunction with john lying group stating a brick wall got damaged due to bore water which resulted in it to colapse.they put it down to wear and tear but when the assesor came out he said wind damage because my deviding fence snaped off at the same time and the 2 walls on the side of the house are in good condition.
Rac refused to fix or replace the wall
They will do anything possible not to fix or pay for the damage they fabricate make up there own causes so they dont have to fix the problem saving them money.
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LizPerth, WA
- 2 reviews
Malicious damage - landlord insurance
Cannot thank RAC enough for their help and prompt service in assessing and settling a claim for malicious damage to our rental home. Boris was so efficient and kept us updated as the claim was being processed. All was settled within 3 days - so glad we took Landlord Insurance. Thank you RAC, keep up the great work.
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Rhonda ManuelPerth, WA
Poor disclosure of policy limitations.
RAC Insurance fail to meet the expectations of their policy holders because they do not disclose the limitations of their product when issuing policies. They are aware of this fact but do not bother to change. This not only reflects badly on the CEO but also on the good standing of the RAC.
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Not happy JanPerth, WA
Dont waste your time and future stress
We have been with rac gold members for 30yrs....We have the highest cover as requested by myself. But apparently that means nothing when you try and make yr first claim, a very large mirror fell of the wall during the night it damaged my dinning table skirting, floor, wall and of course the 900 x 1500 mirror was a write off. I was told it was a matinance issue not covered even though it wasn't the install being the problem, who .....pulls down mirrors to see if anything is wrong ??? I'm so disappointed and fed up didn't expect that from rac.....
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MarkPerth, WA
- 2 reviews
Damage to solar hot water system
Damage to solar hot water system from neighbors lawn mower .
RAC approved assessor came out verified claim .
3 weeks later get a call from rac saying sorry we don't cover accidental damage to hot water system because its obsolete and we would have to replace it completely. ( isnt that the meaning of new for old ?)
Time to find a new insurance company.
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The worst insurance company ever
I have been with this insurance cover for as long as I can remember. For the last eight years I have paid over $6000 and have made one claim a broken fence. This time years later trying to get a broken front window fixed have so far waited from 1.00 pm and is now 8.45 pm and still waiting. What a joke they won't be getting any more from me.
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Questions & Answers
Jeannie B.asked
Does solar panels comes under building insurance?
No answers
LLOYD MEREDITHasked
I am shifting address. What number do I call?
No answers
catheasked
2011 ford focus trend hatch.14 000 kms. problems? Service issues? Availability of parts?
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