As the family financial controller, I've had all our insurance policies with RACWA since we moved here in 1984 - we've never even considered going elsewhere.

We got a lot of hail damage in the 2010 Feburary Storm - two verandahs had to be replaced, also a garage door. The RAC assessor came out and said our (then nearly new) colourbond roof was not badly damaged.

The RAC were happy to let me arrange my own repairs for our skylights and garage door, but insisted that the verandahs be repaired by their own agents. Owing to the virtual absenc...Read more

We have been with RAC for Landlord insurance for a few years now. We never had to make a claim for anything until recently. Our agent called up and were told that a lot of items would not be covered even though it was damaged by the tenant.

On top of that, we recently have to renew one of our insurance policy with them and the call centre lady who took our call were absolutely incompetent.

We enquired about why the online prices which is much more expensive that what she's quoted and at first she said it's many factors then claimed th...Read more

My mum has a Home & Contents policy and has been an RAC Customer for many years. Recently her Air Cond failed. The compressors had fused and the cost to replace these and get the air conditioner to a functional capacity was going to cost over $3000. We submitted the quote only to be told that RAC can only cover about $1700 after $200 excess. Apparently RAC will only cover the cost of compressors and the refit of them, service call and 2 capacitators, bot NOT all the other parts associated with getting it running. There is a just over a $1300 ...Read more

Been a loyal customer for quite a few years without any claims Today when we needed help found out not covered for accidental damage on our policy RAC changed it some 6 months ago did not let us know but the not too polite girl in the call center told me that they would have let us know at policy renewal date in July No the policy was a waste of money for 7 years. Setup easy take money easy. What customer Support?? Gone to Woolworth now accidental damage yes lower excess yes lower price yes +++. TIP check if you have house content ins wit...Read more

If the Business Model is to bank as much in premiums as possible and payout as few claims as possible, they have it nailed. The multitude of reasons they have come up with to deny our claims is stupendous.
1. A bike that we were given was stolen from under our carport. Claim denied as we didn't have proof of purchase.
2. Our daughter's phone got smashed - claim denied as it wasn't a specified item on the policy.
3. Our daughter's replacement phone was added to the policy (for a significant increase in premium). When that got broken, they tri...Read more

We have maintained our policy with RAC for a number of years... probably approaching 20 I think, but like most insurance companies they skip out of paying wherever they can, and it seems to us, look for loopholes in order to do so. Some instances:

1. Back in July we made a claim for damaged carpet. Probably a common story. Huge rains and the gutter overflowed drenching the carpet in our office (home office). We mopped up as best we could and the carpet didn't look too bad so we didn't make a claim at that time. But my wife is a photog...Read more

I just contacted RAC to see if they would price match on another company that quoted me almost $300 less on the same specs. Previous years they would reduce the premium not now. All they suggested was for me to increase the excess or reduce the overall coverage. It's not the fault of the Customer Service Officer who agreed with my situation. Their hands are now tied. Unlike previous years.

There is no loyalty discount unless you have road side assist coverage and you get a discount for years joined. I've been a member for over 20years and ...Read more

After the trauma & loss associated with an invasive home burglary the the thought of lodging an insurance claim equated almost to anxiety prior to a dental appointment. Because, having had to previously lodge claims for both storm related water damage & fence replacement, I'd learnt how complicated or painful the process might be& how out of pocket i might feel.
However this time, thanks to Liz & her team at RAC Insurance, within 15 hours of lodging my claim by email, I was contacted by phone to advise me of the outcome & reque...Read more

Are Australians being held to ransom by Reinsurers? Is this an area that the ACCC should be reviewing?
I'm unable to fault RACWA with regards to their attendance to claims, whether Vehicle or Home insurance.
But recently I could not get a satisfactory explanation on how a policy can rise by more than10%, especially when considering the CPI & and a depressed economy.
I compared prices with other suppliers only to find costings to be similar, too similar.....?
Added to this, recently on a 12 unit development site that I have a property wit...Read more

I have had my house and contents with RAC for 7 years now and never made a claim. I had to call out a plumber because I could hear water running through the pipes with no taps on,
It turned out to be a a damaged pipe under the floor in the bathroom. The only way for the plumber to repair it was to break out the tiles and surrounding concrete.
I immediately rang RAC once the plumber had left and notified them that I would need to make a claim and was subsequently told that because the tiles had to be broken out by the plumber prior to the lea...Read more