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RAC Travel Insurance Reviews

RAC Travel Insurance wants you, your family and loved ones to travel safely, wherever you go. They offer a range of polices catering for travellers of all trips and budgets. There are no age limits and they cover dependants under 25 years of age for free. They also offer unlimited medical cover, new for old luggage replacement and savings for members. Underwritten by Tokio Marine & Nichido Fire Insurance Co. Ltd.

Overall rating 2.8/10

Customer Experience

3.0/10
3.0/10

Value for Money

2.5/10
2.5/10

Claims Experience

1.0/10
1.0/10
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RAC Gadget Cover - TERRIBLE

Review by James | 12 September 2017, 15:59 PM | 0 comment

- Lost my original claim
- Delays in replying to my second claim
- Ask for unreasonable infor... Read more

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Claims Experience

30 day limit

Review by Alan Winter | 27 July 2017, 18:55 PM | 0 comment

Watch RACQ multi-trip insurance. A good deal obtained by us initially but when we tried to plan a tr... Read more

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RAC FAQ's

How many people can I include in my policy?

Their online quoting engine allows you to purchase for two adults.

Am I covered if I go on a cruise?

Yes, you don’t even need to pick a cruise specific policy. Here’s a top tip: Even if you’re travelling in Aussie water you still need to pick pacific.

Am I covered for skiing and my equipment?

Yes if you purchase extra ski cover. RAC ski & winter sports cover includes unlimited medical, $2,000 equipment hire, $1,000 ski pack, $1,000 piste closure...and more! Dare devils can even ski off piste (with a professional guide).

Are kids covered for free?

Yes, that’s right, kids will be covered at no added cost! Dependent children and grandchildren are included for free as long as they are under 25 years of age and not in full time employment.

Can I pay to reduce or cancel my excess?

You can choose to vary Your Excess. Their default international policy Excess is $250 but can be reduced to $100 or $0 for an increased Premium.

What additional extras are there?

New for old cover on luggage, ski cover, rental vehicle excess, and way more!

I'm not an Australian resident- can I buy cover?

Sure! Temporary Residents over the age of 18 are covered, provided: You hold a current Australian Visa that will remain valid beyond the period of Your return from Your Trip; and You hold a return ticket; and You have a Home address in Australia that You intend to return to; and You purchase Your policy before You begin Your Trip; and for international cover Your Trip begins and ends in Australia; or for domestic cover Your Trip must be wholly within Australia.

What size moped or motorbike am I covered to ride overseas?

RAC will cover you for any engine size you ride as long as you’re insured to do so in Australia. Just make sure you get your International Drivers Permit (IDP) before you leave!

How long is their single trip cover for?

12 months.

Can I extend my policy from overseas?

Having too much fun? No problems! You can extend your policy with RAC as long as you extend five days before your previous policy has not expired.

Do they cover for my rental vehicle excess?

Yes, for up to $5000. Cover includes sedan, station-wagon, coupe and hatchback, SUV, four wheel drive, mini bus or a campervan/motorhome rented or hired by you from a recognised motor vehicle rental company for the carriage of passengers and does not include any vehicle designed to be used for the carriage of commercial goods.

Who underwrites them?

RAC Travel Services Pty Ltd ABN 17 009 164 176, AR 228577 is an authorised representative of Tokio Marine & Nichido Fire Insurance Co., Ltd. ABN 80 000 438 291 AFSL 246548, the insurer underwriting this product.

FOUR FAST FACTS

No age limit
No age limit
30, 45, 60 days max trip durations
$1,000 single item limit (comprehensive)
or
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