RAA Home and Contents

RAA Trade Assist advertise 24/7 Emergency Roofing repairs but when my roof started leaking through the ceiling neither of the 2 Roofing companys on the list could come out for a week! Had to go through RAA Claims dept ( which I didnt want to do)… Read more

just to arrange a ' Make Safe ' patch up. Now, if the claim is accepted the Builder will take forever to do the repairs ( Busy!) and neither of the Trade Assist Roofing companys will even inspect the roof but only want to see the Builders report. Meanwhile, I have to find somewhere for my disabled husband to stay in case the ceiling collapses.

Beware about purchasing your RAA insurance online. I reviewed the RAA Home Contents insurance end 2025 and decide to purchase it. It stopped midstream and entered my details again not knowing that it was duplicate. I thought nothing of it as I… Read more

received an email with the policy documents. Just this month I checked online and RAA debited my savings account twice, same amount. When I called i was told that I had two policies for the same product when I queried why due diligence was not done and why I did not receive documentation for the two policies but just one? Raj from the call centre told me a bold face lie of not seeing it was necessary. Also, I requested that since they took 3 payments for the duplicate payments, they need to reimburse me $169 and I was again told that this can be done only after the March payment was cleared. These corporation take our money quick Smart and if we are late, they charge us late payments yet make every excuse not to refund our monies back. There is no integrity with RAA and once I get my money back I am cancelling my policy. Basically this is theft. Also, the two people I spoke to were Indians and when I queried if they were in India in a call centre, they said they were in Adelaide (Richmond Road) which I doubt it. Customer Service is non existent and responses are not to help customers but protect their jobs. Please be scrupulous in dealing with this organisation as I had to learn the hard way and not going to deal with them. If I dont get my money back asap will be taking it further.

19 DAYS Today since Huge THEIFT of all Carport , House & Verandah Copper piping Stolen. NO water (except trickle outside) Milk Coloured Kitchen water & NO Ducted Air Cond : All this HOT weather. I taken 000 Ambo: Early a.m. Three days after theft RAA & their Assessor Never even rushed this Replacement of Whole House Copper piping thru . I came… Read more

out of hospital after Emergency Surgery to a Stinking HOT house. This assignment should have been made PRIORITY EMERGENCY for a Plumber. Once Again Disgusting service RAA Assessor. RAA very quick to take monies for My Insurances though.

Storm Damage attended to quickly and resolved in a reasonable time – We had some storm damage where rain entered through poor flashing around aircon ducts on a skillion roof. After a few weeks of the rain event, I noticed water marks on our living room ceiling. I called the RAA and they assigned one of their contractor assessors who came out promptly. He arranged for a roofing contractor to do a quick-fix on the… Read more

flashing just in case we got hit by another storm. Once this was sorted they had another contractor come out to assess the damage and casuses and provide a quote to fix the ceiling. I had to fix the flashing out of my own pocket because it was substandard, which was totally fair enough. Once I had the flashing fixed their contractor came in and repaired the ceiling, and you cannot tell there was ever an issue. I am writing this 2.5 years after the fact, and I still can't tell there was an issue. Very happy with the service and I believe they provide a lifetime guarantee even if I choose to insure elsewhere. I have been with RAAI for several years, however this may change as last years renewal went up by 20%, and this year by a whopping 50%. Having said that, most other reputable insurers (ie good ratings) aren't too far off the RAAI cost either.

RAA Insurance Policies and Claims Service top Notch – We undertake an annual Insurance Review and found RAA Insurance policies exclusions and Insurance premiums to be cost effective and competitive. We have had a bad luck with our house, holiday home and speed boat and even bad luck travelling overseas however RAA claims have always been fair and reasonable

Prompt and professional – Several years ago I made a claim for damage to my home resulting from a burst pipe. RAA organised everything for me. I had tradies at my house the same day. The whole process was quick and painless and all the work done to my complete satisfaction. Last weekend, I accidentally dropped my phone into the ocean. It was due to my own clumsiness, but… Read more

on Monday I called RAA to just see if the loss was covered under my contents ('Accidental Damage') insurance. The person I spoke to on the phone took care of everything on the spot and I had the compensation in my bank by Tuesday! Again completely painless process, good communication, generous assessment, and fast settlement. Couldn't ask for better service. Add to that, I originally chose RAA because they quoted me the lowest premiums - by a *very* significant margin - over all other insurers who quoted me several years ago. It is one of the better decisions I've ever made, and I recommend RAA Insurance whole-heartedly without reservation.

Absolutely disgraceful building insurance. They make you wait till the last day they must contact you with the outcome and do not cover for any water damage. Beware! My elderly parents who have never done a claim in their lives are stressed out to the max absolutely awful insurance company! Beware Show details

Member for 15 years - Actively leaving - One policy left to replace. Public Liability: -Had to take legal action against them to get them to pay out on a policy with a valid claim. After months of back and forward. They did eventually pay out and reimburse all but my legal costs incurred to convince them to honor the policy. Home and contents:… Read more

-Continued to charge me for pet insurance after being informed multiple times of their passing

-Slow and nitpicked over a water leak claim, again dragged out for an extended and unreasonable time. Yes they paid out after i accepted less than i should have just to get the matter moving and dealt with.

Travel insurance:

-Refused to look into the claim, stated they were just resellers of the policy, and did practically nothing to assist. Don't sell something as 'RAA' if you are going to shy away from any responsibility if the service is required.

Consider this - A house builder sells you a home, there are problems, then they say 'Well, I didn't build it myself, I paid someone else to build it - not my problem'. Would that be considered reputable or even legal?

The RAA thinks this is a good way to conduct business, and i cannot disagree, financially speaking for them. They take a margin by selling out their once good name, then duck all responsibility if their members need the service they sold them. Member Value Team

-Approached to enquire regarding continued high price increases - After spending the time to go through the process and take the calls with the Member Value Team. I was advised that they consider themselves a premium service provider and are priced accordingly, and if I don't agree that, i should leave.

My 15-year experience is that the RAA is a 2-bit, lazy business trading on the reputation of a long-forgotten value system.

They say the right things, but talk is cheap and their policies are not.

I am voting with my feet.

I am not a 'Valued member'. They are not a company I could ever suggest or endorse. 15 years is sufficient time to see that there is a pattern that is not being addressed or resolved.

I do not see value in paying the highest market rate to receive below average performance

Terrible and immoral insurance company. Not only expensive compared to others, but their claims are more difficult to resolve as they'll fight tooth and nail to not pay out legitimate claims. I was with RAA for 15 years and disgusted by their behaviour so have moved on. Im saving money and my policies are better Show details

Not happy! A branch from the neighbours tree fell ripping the gutter off the roof and damaging the fascia on 2 sides of the house. We received a written “Scope of works” for the repairs which included 17m of gutter and fascia which we okayed since that equated to the length of gutter on the 2 damaged sides of the house. But they just replaced 11m… Read more

leaving joins in the middle of each roof section. As the new gutters and fascias profiles don’t exactly match the old it looks like a shoddy patch up. In addition insurance didn’t cover painting the roof sheets so they match the original (no longer produced) colorbond roof colour. Thankfully I pay insurance monthly so I can find another insurer immediately.

Terrible RAA Experience & such a long time member and client – Now into NOVERBER 2024 I had a Humongous property theft in APRIL 2022 (Only six days out of hospital from a Huge Life Saving Operation) , it took RAA over 14 Months to reimburse me for the loss of my car, caged trailer and contents in both; To date I still have NOT received any reimbursement for the huge loss of ALL my house contents. RAA even… Read more

have the gall to still keep charging me for some $129.000 contents cover & I was cleaned out of some near $100.000. NOT to have received my pay out after all this time is disgusting and outrageous. I have several insurance policies with RAA and have been with them for many, many years. Over a long period I have faxed, rang and written to them, all to NO avail. If I could rate RAA with NO stars ... I would ! The loss of " EVERYTHING" is bad enough but still having to wait all this time & NO pay out. The only time I hear from RAA, is when each of my several annual insurance policies are due. I certainly would NOT recommend RAA after I being tret & such a long time client of over 45 YEARS ...

Raa home insurance – Had home insurance for years.lost my laptop I can not find it.looked everywhere work and home.start to get behind in my work rang raa insurance said need it replaced filled everything out then they said need a police report against you for losing it.I said said yer what ever they then said we review the whole claim get back to you in about 21 days...... Show details

Rips off members – Got a quote to compare to my present company. RAA: $4600 pa, Budget Direct $1900 pa. Why does RAA , a not for profit rip off its members so much? What a disgrace! Show details

Stay Away! – We have changed our review, after years of great service, we are now treated properly. One of our ceilings accidentally collapsed, and could have killed our children if they were under it at the time. After 2 reports, which were in favour of an accident and for us to be covered, RAA went and got a third report done 3 months later, and we now told… Read more

we arent covered by insurance for the fall of the ceiling. There was no water damage. It was like they were looking for one report in their favour.

4 months later, and still no ceiling re built, we were advised they wont claim under insurance.

We have lodged a complaint to RAA and government agencies.

We have property and vehicle insurances with them, we will now find a new company. Any suggestions for better insurance companies, please let us know.

Robbery – Disappointing out come service and communication none existent. Tried to support local company. Have cancelled. Whole experience has left a bad taste. We were the victims of robbery. We're submitted to some very intrusive interviews. When final email received final insult was not even signed off by anyone. This whole process has taken 4 months. Not good enough. Show details

Disappointed with RAA Total Loss Handling – My recent experience with RAA's Total Loss Department has left me deeply disappointed. Despite a minor accident, the lack of communication and empathy displayed by RAA has been shocking. After being assured my damages would be covered, I was left in the dark for over a week, only to discover my car had been deemed a total loss without any… Read more

notification. Despite numerous attempts to contact RAA, I received no apology or explanation for the oversight.

During my call with the Total Loss representative, I was met with indifference and blame-shifting, instead of acknowledgment for their shortcomings. This dismissive attitude is unacceptable.

Furthermore, my concerns about the undervaluation of my recently purchased car were brushed aside, further adding to my frustration.

This experience highlights systemic issues within RAA's communication and customer service practices that need urgent attention. I urge RAA to take responsibility for their actions, apologize for the distress caused, and commit to improving their services.

#RAA #CustomerService #CommunicationIssues #TotalLoss #Disappointed

Not satisfied – After submitted all evidences not approved my claim. Waste my 3 month. Asked for one by one each proof . And pulled it for 2.5 months . At the end not approved my claim. Feeling unsafe , no security. Show details

Expensive, inefficient and impossible to get hold of – Insurance went up by a huge 43%. Response to query was take it or leave it - we left it. Previous claim took weeks to sort out, their recommended tradesperson was terrible and any calls to them resulted in sitting on the phone for an hour with unhelpful, ill informed staff at the other end. Save your money. Lots of cheaper policies elsewhere with better inclusions and faster service. Show details

Okay, but there are some concerns – Following two claims in two years, both times after submitting the claims on-line, and after receiving a confirmation e-mail, it took at least two weeks for a response from the RAA. I had to ring and speak directly to someone in the Home & Contents Dept. about what the status of our claims were. One person informed me that they were understaffed.… Read more

If that is the case, it is up to the RAA bosses to get more staff! Anyway, after my calls, the process of inspection and repair got moving. A shame that as a long term customer I need do this. I am not really impressed with their level of service in-spite of what their television advertisements in SA profess! After submitting a claim for storm damage earlier in 2023 with RAA Insurance, we sought two quotes to affect the repairs to our pergola. We selected Ambrose as our preferred repairer as the quote was far more detailed and included several additional features. After accepting Ambrose as the repairer, we were consistently contacted regarding the progress of the repairs. The communication was excellent. The communication was excellent. Regular phone calls and e-mails from [Name Removed] and [Name Removed] were greatly appreciated. Amazing how the process could be organised ‘remotely’ from WA and Qld! The assessor contacted us and turned up on time. Therefore, after this inspection the nature and extent of the repairs was known to us. Our request to have an upgraded standard of Lazerlite was accepted and it is pleasing that it was fitted. Electricians attended to check on the solar system and provided a verbal and written report. The materials were delivered when indicated they would. The roofing tradies contacted us before the day and turned up on time, completing the work efficiently and effectively. Even cleaning up after the job was completed! The painter ([Name Removed]) attended after the building work was completed. He even painted over sections of the balustrade that was slightly scratched during the process of removing the old Lazerlite. This was greatly appreciated. A couple of items to note: The painter did a good job (again texting us to inform us of when he was going to attend and to ascertain the correct paint), pity that he could not paint the battens in their entirety before they were fitted to the pergola as he was on holiday before the job was completed. Upon inspection of the work, I pointed out one gap to the roofers before they left and one of the guys ([Name Removed]) merely told me that either some flashing or additional silastic sealant was not listed in the materials. We now have some leaks (when it rains) in some sections of the pergola where it abuts the gutters of the house. Interestingly there are leaks where new C channel has been fitted and where older C channel exists. There is also a largish gap where water drips through. The new C channel replaced older channel that was not damaged in the hailstorm. I raised this with the Ambrose representative in a phone call, I was informed that [Name Removed] (the builder) would be contacted and we would be contacted and told as to what could be done about these leaks. We subsequently informed by [Name Removed] that the ‘supervisor' had looked at the hurriedly taken digital images of the gaps and concluded that as it was not as a result of storm damage, so no further remedial action will be taken to prevent rainwater dripping onto our decking. A shame that an assessor could not personally attend and look at the completed work (and the issues I have commented on) in person rather than rely on my digital images. We assume that costs need to be reduced. So, the new section of C channel, (that replaced existing C channel not damaged in the storm) and the old section of C channel (that was not damaged in the storm) now show leaks as they abut gutters. The section where old channel was reused may have been moved a little in the Lazerlite replacement process thus leaks through the older sealant occurs. I have a friend who is also insured with RAA and is also having a pergola replaced due to hail damage in the same storm. As I understand it, Ambrose Construct Group is completing the job as well. I will copy this feedback and forward it to him. Overall, it has been a satisfactory experience. It is a shame that these little items have impacted on our overall impression of the entire insurance and repair process. It was stated by an RAA Insurance inspector after the work was completed that flashing is required. Further correspondence with Ambrose stated: "As the flashing is a direct arrangement between the trade and yourselves as you're aware it is not covered under the insurance I have no control over this, unfortunately”. This is even though the work is supposed to conform to Australian building standards. As a result of our concerns, a RAA assessor attended and looked at the issues. His final words were, ‘I’ll see what I can do”.

Obviously there was nothing he could do, as that was the last contact we had from the RAA!

If the RAA actually do monitor the reviews on this site, they do not seem to worry about legitimate customer concerns.

Had to make a claim for contents and home – We had two incidents in a year, one will the next door neighbour's trampoline coming in and crushing our roof and the other replacing a computer that broke. Ultimately RAA were fairly reasonable to deal with. We did have to pay the excess despite the trampoline not being our fault, which does seem a bit strange to me, and it took about 6 months to… Read more

get the repairs done. This isn't ideal but compared to some of the other insurer's we've been with it was an improvement.

Disappointing – Storm damage claim with RAA insurance the whole process was a nightmare. Lack of communication between RAA staff and teams resulted in inconsistent information being given. We had no lighting in our ensuite for 3 months as it took this long for claim to be accepted by RAA. Needed to lodge several complaints to have our damage to garage roof… Read more

accepted as storm damaged. Would not recommend due to time frame of claim being accepted by RAA and staff were not consistent with information and our file had records of incorrect information. No confidence in this group.

Originally great, not as much anymore (Home and Contents specifically) – Had contents insurance with RAA for around 8 years, then home and contents for 15 years. Had three claims over that entire period (small claims, nothing big) - and nothing in the last 7-8 years or so. Prices over the last 5 years have gone up 64% - with a 25% most recently. Not even remotely near a flood or fire zone, not any kind of at-risk zone… Read more

at all, no claims in that period. Last renewal I called up to review, and was told similar things to other people - that's the price, don't care. Have now moved to another insurance company with comparable coverage, and the price is the same as what RAA was 4 years ago. I assume a lot of people are leaving lately, as I didn't even get asked for a reason for cancelling my home/contents insurance - despite being with them over 20 years.

Keeping car insurance with them for the moment, as they've traditionally been pretty good with car claims. Will see what the next renewals come back as though, as we may move those policies also.

Never touch RAA insurance again – RAA Landlord insurance - Tenant damage cost $25k to repair and RAA paid out $2k for the damage. I made a complaint and they stated " it's all compliant according to our policy PDS". For 3 months the house was vacant waiting for the claim to be processed. Limited contact and I was always chasing them for updates. Multiple excesses had to be paid. Show details

USELESS - "Unfortunately, due to the location we are unable to provide you cover at this address" – Cannot Insure with them. Not in flood Zone, never had any Bushfires come close.. "Unfortunately, due to the location we are unable to provide you cover at this address" Show details

RAA can see the little person – I have had a nervous breakdown with my fight for compensation due to a toilet pipe crack. I have been waiting on trades and insurance trades people to report since March this year with a report saying “soil movement” and will not pay. Even though the leak is the cause of the soil movement. They know I have no fight left as I am a single mum with 3… Read more

children with needs. I would not recommend this company ever and will tell all my friends and family. They say they will call you and they never will

Constant Increases – Started with RAA Home and Contents 2 years ago and with latest increase the premium has risen by 47% in that time. Shopped around and got a better deal for the same cover and because I wanted to cancel 2 days into the monthly charge period no prorata refund possible. I will be checking all other policies held by RAA. Not the organisation they once were. Show details

Avoid this company! – My mother is elderly and had RAA home and contents cover for over 25 years without a claim. She made her first claim last November, and RAA were terrible to deal with. They organised a tradie to make repairs, however he never turned up for months. RAA told my elderly, sick mother, that it was her responsibility to follow up with the tradie and… Read more

that they had nothing to do with the process. My mum made a complaint and they wouldn't even respond to her complaint when she called and asked about it. The job was finally finished after 10 months. AFCA complaint is underway. AVOID this company!

Find another company steer clear of this one – I have been an RAA member for nearly 40 years and had home and contents insurance with them for nearly 20 years over various properties with no claims on any. In 2 years it has gone up almost $1300 with the last increase $821, over 50% more than the previous year. Rang to have it reviewed and all I got was too bad so sad the price remains. Their… Read more

reason is no longer 3 policies with them, just the two. Having been a customer for so long I find this appalling. I can't recommend insuring anything with RAA.

Amazing Increases – So after being RAA for a couple of years just recieved my home insurance renewal & it has gone up 35%, as well as my car insurance going up by 40%. Never had a claim ever & this is how they treat customers. Shop around way better deals avaliable. RAA will never get 1 cent on my money ever again Show details

Disgusting – I have had home and contents insurance with raa for about 30 years. In this time I have made 2 or 3 claims. I have just put in another claim. My shower won't stop leaking and has ruined some of my walls and carpet. They have brought in assors and they believe I have a claim. 2 months later iam still waiting for them to do the work. I rang them… Read more

21st July and all I got was we are just waiting for the plumber to get back to us and we may have to get another assor to come in to have another look. This is just bull crap and stalling tactics. I don't believe what they are saying. The longer they leave this they will have to pay for another cabinet. Once this is sorted I will be going elsewhere. I'm thinking maybe the media needs to be informed. GRRRRRRRRRRR

Atrocious behaviour – I canceled my policy 19/6/23 owing to the shocking way RAA is treating flood victims in the SA Riverland, my friend has been run around with time delay after time delay, over 6 months and now progress at all other than more questions and extremely long delays in responding to enquires. RAA, feel free to contact me if you like. Show details

RAA Disgraceful Continue – RAA you pay for an outside expert reports that are documented to show you a clear pathway out of your MISTAKE of not doing your Due Diligence correctly back in May 2020 and you don’t even follow it… You simply try to cut corners and avoid the situation head on exposing your customers to a more long term pain and long term health risks. Stop covering up and face the facts. The Truth Always Comes Out In The Long Run Show details