We're a different kind of insurer

RACQ is owned by our members. You become an RACQ member when you insure with us*, so you can count on us to look after you. We know Queensland’s weather can be challenging, which is why we offer policies that protect your car and home from loss or damage from a storm, flood, hail or fire event. And if you need to talk to us, simply click, call or drop into an RACQ store. We’ll be by your side if things go wrong.

2022 Flood response
If you’ve been impacted, we’re here to help. You can stay up to date on how we’re supporting our members and communities here.

We think you're worth protecting

Car insurance
Find cover for your car, business vehicle, motorbike, scooter, or RV.
Home insurance
Protect your home and belongings from storms, flood, fire, and theft.
Pet insurance
Protect your furry friend with care you can count on.
Boat insurance
Get out and about on Australian waterways knowing your boat is protected.
Travel insurance
Take cover with you on your next overseas or Australian adventure.
Life and income insurance
Protect your family’s financial future and enjoy AIA Vitality benefits.
Caravan and trailer insurance
Enjoy the great outdoors with confidence.
Make a claim
Need to make a claim on your RACQ Insurance policy?

Why choose RACQ Insurance?

  • hand-holding-dollar-sign
    In 2021, we paid 99.6% of RACQ Comprehensive Car Insurance claims.+
  • star-circle
    Our car and home insurance has won more than 20 Mozo People’s Choice Awards.
  • two-people-next-to-eachother
    We exist to serve our members and their communities, not shareholders.
  • callcentre-person
    Our Queensland-based team are here 24/7 when you need us – click, call or visit us in store.

See the difference your membership made last financial year^

racq foundation two women smiling

RACQ Foundation

$2.1 million funding

for SEQ flooding disaster projects.


RACQ Choppers

2,985 air rescues

throughout Queensland.

RACQ kids playing soccer

Local Giving Program 

$21,207 donated

to 41 local clubs and community groups. 

School students outside in yellow shirts next to pedestrian and RACQ rep 600x350


52,258 students

educated on road safety and financial wellbeing.

Things to note

Insurance products (excluding Travel Insurance and the Life and Income Protection Insurance suite of products) are issued by RACQ Insurance Limited ABN 50 009 704 152 (RACQ). Conditions, limits and exclusions apply. This is general advice only and may not be right for you. This information does not take your personal objectives, circumstances or needs into account. Read the PDS and any applicable Supplementary PDS before making a purchase decision on this product. You can also access our Target Market Determinations on this website.

*RACQ membership is not available through CTP insurance and Travel Insurance.

+Based on 2021 RACQ data during the assessment period 1 January to 31 December 2021, 99.61% of comprehensive car insurance claims made (excluding withdrawn and duplicate claims) were not partially or fully rejected.

^Figures based on FY 2022 statistics. See the For the Greater Good FY22 Report for more details.

RACQ’s Life and Income Protection Insurance suite of products described on this website is distributed by RACQ Operations Pty Ltd ABN 80 009 663 414, Authorised Representative Number 234978 (RACQO), an authorised representative of AIA Financial Services Limited ABN 68 008 540 252, AFSL 231109 (AIAFS) and is issued by AIA Australia Limited ABN 79 004 837 861, AFSL 230043 (AIAA). RACQO is a distributor only; it does not sell, issue or guarantee these products. AIAFS and other authorised representatives of AIAFS are also involved in distributing these products. Descriptions of product benefits and features are a summary only. You should consider factors like your objectives, financial situation and needs and read the relevant Product Disclosure Statement (PDS), any applicable Supplementary PDS and Target Market Determinations available on this website before deciding to acquire or continuing to hold any of these products. The information on this website is general and does not take such factors into account so you should consider its appropriateness in the context of such factors. Cover is subject to terms, conditions, limitations and exclusions.

AIA Australia has adopted the FSC Life Insurance Code of Practice, which contains minimum standards of service that customers can expect from insurers. The code can be found at fsc.org.au.

AIA Vitality partners, benefits and rewards are subject to change at any time. For the most up-to-date information and to view the AIA Vitality Terms and Conditions see aiavitality.com.au. Partner terms and conditions may also apply.

RACQ Operations Pty Ltd (ABN 80 009 663 414 AR 000234978) and Members Travel Group Pty Ltd (ABN 45 144 538 803 AR 000432492) are acting as an Authorised Representative of the issuer of the insurance, Tokio Marine & Nichido Fire Insurance Co., Ltd. (ABN 80 000 438 291 AFSL 246 548). Any advice set out above is general in nature only, and does not take into account your objectives, financial situation or needs. Before purchasing any travel products, we recommend reviewing the RACQ Travel Insurance Product Disclosure Statement (PDS) and the Target Market Determinations (TMDs) that apply to these products. Whilst the PDS outlines the Terms and Conditions of these products, the TMD’s outline the intended class of customers that comprise the target market for these travel products. This will allow you to consider which products best suit your objectives, financial situation and needs and consider the products appropriateness to your personal circumstances. TMD’s also outline matters involving the distribution and the review of these products. The PDS and TMD’s for each travel product can be found here.