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Comminsure car insurance product disclosure statements

  • Comprehensive Car Insurance
  • Third Party Liability Insurance
  • Fire, Theft and Third Party Insurance
  • Classic Car Insurance
  • Unique Car Insurance
  • Motorcycle Insurance
  • Fleet and Small Business Insurance
  • Compare Car Insurance




Find the right insurance for your vehicle

At RACQ, we provide insurance cover for cars and motorcycles registered in Queensland against loss or damage.

As Queensland’s leading provider of car insurance we have a policy to suit your lifestyle and vehicle, including unique and classic cars.

Get a $50 discount when you buy insurance online. Get a quote today.

Comprehensive Car Insurance

Coverage wherever you are, whoever is driving and whatever the weather.

Third Party Liability Insurance

If you cause a car accident, the cost of fixing other people’s cars can add up. Take out third party cover so you’re not hit with big bills.

Fire, Theft and Third Party Insurance

Protection for more than just the basics with our mid-range cover.

Classic Car Insurance

If you’ve poured your heart and soul into restoring a vintage car – or you’ve poured your savings into buying a classic vehicle – make sure it’s protected.

Unique Car Insurance

Get specialist cover for your tailored car. Whether it’s a luxury, modified or performance vehicle, we’ll help you protect it.

Motorcycle Insurance

Whether it’s your weekend touring bike or your everyday ride, get comprehensive Motorcycle Insurance to protect your wheels.

Fleet and Small Business Insurance

Keep your business moving forward, with comprehensive cover for your fleet or business cars.

Compare Car Insurance

Are you after comprehensive insurance or just some basic cover? Compare car insurance side-by-side to see what you get with RACQ.

Which cover is right for you?

Need help understanding car insurance? We break down the basics so you can pick the product that's right for you.

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Learn more

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Get a Pet Insurance quote now

Protect your four-legged friend against injury or illness.

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Member benefits

RACQ members can access a wide range of discounts and benefits

Learn more

Ways to save

See how you can save when you take out RACQ Insurance.

Learn more

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. Contact our stores, agencies or phone 13 1905 to obtain a copy of the relevant Product Disclosure Statement. Please read our PDS carefully before you make any decisions about our products. Conditions, limits and exclusions apply.


RACQ Insurance has your insurance needs covered.

Whether you’re planning to travel, looking for life and income protection, or wanting to insure your car, motorcycle, home, contents, pet, caravan or boat, we’ve got you covered.

When you buy insurance from RACQ you get access to all the member benefits of Queensland’s largest club. An RACQ membership unlocks a huge range of benefits like Aussie Assist, Dining Rewards, discounted movie tickets and holidays, and offers all over Queensland and Australia.

Join today and save.

How can we help?

Get insurance Hide

When it comes to insurance, we’ve got you covered – from big ticket items to your treasured possessions.

RACQ members get a discount on many insurance products

Member discounts

Making a claim on your RACQ insurance policy is quick and easy and we’re here to help you every step of the way.

We know insurance can get a bit technical, so we’ve pulled some resources together to help you make sense of it all.

20% off repairs and replacements

As an RACQ member, you’ll save on your windscreen repairs. Call 1300 733 686 to see how much you’ll save.

Read more

Drive Assist gift vouchers available

Looking for a gift with a difference? Give an RACQ Drive Assist gift voucher. Call 1800 680 039 to learn more.

Read more

Switch your CTP and save

Save $10 on your RACQ membership by switching your CTP today. *Terms & conditions apply

Find out how



Seniors Funeral Insurance

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Nobody wants to leave behind the burden of expensive funeral costs to their family when they pass away. Taking out funeral insurance, can help ensure your loved ones are not left struggling to pay unexpected funeral costs and can settle any small debts so they don’t need to affect your remaining assets.

Your funeral cover shouldn’t get more expensive the older you get – in fact, we think it should be the other way around.

Plus for a limited time, when you take out a Seniors Funeral Insurance Plus policy you could receive a BONUS $75 Gift Card*!

Our Seniors promise

When you take out Seniors Funeral Insurance Plus, we make this promise to you:

  • We promise your premiums will never increase, unless you choose to change your cover
  • We promise your premiums will reduce by 5% for every five years you hold your Policy
  • We promise that the benefit your family receives will never be less than the premiums you pay, so any claim we pay will either be your chosen Benefit Amount or the total premiums you’ve paid, whichever is greater!

If your Policy is cancelled and cover ends, no Benefit Amount is payable. If you change your cover your premium will be affected. There is no refund of premiums after the cooling off period.

Request a quick quote now

Funeral cover that promises more

We think Australian seniors deserve insurance cover that delivers real value. So our Seniors Funeral Insurance Plus cover comes with a range of quality benefits:

A lump sum when your family needs it most Your loved ones will receive a lump sum, up to $15,000, upon your death to spend as they wish (cover for Accidental Death only in the first 12 months).


Accidental Serious Injury Insurance – at no extra cost Your Policy includes Accidental Serious Injury Insurance which pays a lump sum benefit equal to three times your chosen benefit – at no extra cost.


Triple benefit for Accidental Death From the day your Policy starts, you’ll receive triple your benefit amount if your death is the result of an accident – up to $45,000.


Guaranteed acceptance As long as you’re an Australian resident aged 18 to 79 years, you’re guaranteed cover.


Getting cover is easy Arranging cover is easy – simply pick up the phone and get covered in minutes.


No tests or questionnaires No blood tests or long lists of intrusive health questions.


Quick payout to your family Claims are usually paid within 1 business day1, so you can be sure your family will have the help they need when they it most.


Optional Children’s Insurance Add Children’s Insurance to cover your child against a specified injury or illness. The money can help ease the financial stress of paying for medical expenses.


Free cover after age 90 Once you turn 90, you will no longer have to pay premiums and your cover will still continue – so you can enjoy the benefits without the expense.


Request a quick quote now

Or call our friendly, Australian-based customer service team on 1300 078 596.

Find out more

If you have a question, check our Frequently Asked Questions. Make sure you also read our Product Disclosure Statement to find out if this product is right for you.

  1. From the time completed documentation is received.


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