RAA Car Insurance

My bumper bar was torn off by a concrete bollard at the shops the pin fastening the bollard had come out about an inch so bumper went over it but caught it reversing out. Anyway the service from RAA was nothing short of appaling. My car is a 2009 VW Golf. They towed it 20 km away. Did not even give me the option of towing to my referred repairer.… Read more

Anyway they wrote the car off. All that needed fixing was re attaching the front bar.They offered me pittance for my immaculate car that had agreed value for 9 k. Ever since RAA made Allianz underwriters they have become sewerage. Please folks cancel you're policies or check how much they will pay you out on you're car if it's written off. And to Daniel claims specialist ( LOL ) IT'S not my job to follow up with shops who's responsible it's yours you bellend.

With my personal experience I found the overall claims process nothing short of a nightmare, I strongly question the professionalism of the claims agents handling the claim, thier communications were poor and not done in a timely manner, I also felt they did not act in an open and transparent way when I asked questions in relation to the outcome… Read more

on my claim. Their complaints process I also found to be rushed and done in a highly unprofessional manner. I also believe what the RAA claims in relation to thier approved repairers, that they recommend to me misleading.

Worst insurance company ever. Was told they had paid out car after write off. Called finance company two weeks later and was informed RAA had not paid them out even though it was taken of claim and we had to pay the whole year of insurance. Would definitely not recommend. There are quite a few out there can do better for same price or better Show details

After trying to report an accident and having to deal with an unpleasant call center employee, I was given wrong information from sapol officer at the scene, I since obtained the information contained in the police report and just Spoke to a very patient and caring lady, The process took a time but she walked me through it and explained everything, Thank you Lisa , RAA should be very proud of the you for your outstanding customer service Show details

Excellent service and follow through for a 'written off' claim. Great communication. Thanks, RAA – My Rav 4 was written off. The payout figure was increased once I presented more facts for consideration. Their information and transparency was of a really good standard. Show details

Great Service – I have been with RAA for years. Great service. Most of the time they would advise a 1hr turn around but it ends up being approx 10-15min. I had a few car issues of late and they have been great to deal with. A small price to pay. Highly recommend Show details

I have 3 cars insured with RAA. All of them on premium comprehensive. My pristine collector car was rear ended at a car wash. Damage was minimal but visible. RAA insisted on their repairer doing the repair. RAA directed me to Magill Motor Bodies. It took one visit for the repairer to take photos, another visit where they were meant to remove the… Read more

bumper to inspect for damage but did not as there was damage present externally, finally a third visit to drop the car off for repair, took one week longer and then the car was returned to me in worse condition than prior to the accident. 11 hours of work lost to get the car repaired but the paint work was flawed, and the bumper was not even installed properly with irregular gaps and even visible clips. I asked RAA for an alternative repairer as this repairer was not even apologetic after screwing up the repair and I am genuinely afraid that they will cause more damage to a previously pristine vehicle. RAA's response is not to take care of the customer but to take care of the repairer. I am expected to lose more time from work and take the risk of further damage to my car due to "industry standards". I would stay clear of RAA. There seems to have been a change in their conduct towards customers since they changed their insurance underwriter.

RAA has been absolutely appalling to deal with in the past two months since I made a claim under my comprehensive insurance policy, after I was rear ended in early December 2025 and pushed into the car in front. I made a police report immediately after the incident and lodged a claim with the RAA after making the police report. My car was caved in… Read more

at the back with the rear camera smashed up, with less significant damage to the front grill. The car was deemed not drivable by the crash repairer. I took photos of my car and the at fault vehicle immediately after the incident. I provided the driver's license details, registration and car details of the two other cars involved with the claim, the details of which were verified by South Australian Police. RAA had six weeks to follow up with the other drivers and made no progress. RAA declined to waive my excess when I collected my car pending a "determination of liability". In my discussion with the complaints officer, he said he spoke to the assessor who said the rear and front damage occurred on the same day. RAA used to be terrific but I recommend avoiding taking out comprehensive insurance with them at all costs. I would give them zero stars if I could. I am now out of pocket and pursuing a complaint with the Australian Financial Complaints Authority.

I recently needed a new windscreen due to large stone chip damage. The RAA online claiming page tells you not to lodge a claim if it is just a windscreen issue. It is not all RAA’s fault today, the car glass place has a lot to answer for. Thus, I booked my car in for a new windscreen but did not get the tinting as I was promised to by that… Read more

dealer. I was asked to talk to RAA. I was on the phone for 90 consecutive minutes, passed on from one person to the next. I told them that I am only unhappy about the tinting issue nothing else. I was asked to provide proof that my car windows are really tinted!! As I did not declare tinted windows as an accessory. Well, when I bought my new car 2 years ago I called RAA at pick-up to get comprehensive car insurance as I have always done. Not once was I asked about any extras. I did not know at all that tinted windows coming with a new car are an “accessory”. I have been with RAA for 16 years. You can only declare an accessory if you KNOW that is an accessory. Previously never any issues. Had tinted windows replaced quite a few times never any issues. And you called them and got an answer. Although I was promised if I provide proof of tinted windows it would be added to my policy, I received an accusatory email telling me to call RAA to have this added on to my policy. I complained back and they, yes, called me twice when I was unable to answer call at work. That was good from them. Anyhow, previously I loved RAA. You called and got through. Now about 4-5 phone prompts to endure. And I only just found out that Alliance has not just taken on the underwriting of RAA Insurance, they also handle the claims!!! RAA is just a facade. In fact, you are dealing with Alliance staff!! When it was a member’s organisation it was absolutely fantastic! Now, as a for-profit business, all good things gone. Don’t go anywhere near them! I noted the increasing number of negative reviews about them. That is not bias. Try any car insurance review page and check their reviews and you will find quite balanced opinions. Not with RAA anymore. Mostly disgruntled people who were loyal RAA customers for a long time. Well, at my upcoming insurance renewal it will not be RAA. And not Alliance, the same Mob. I am really sorry about this. How many times would I have given excellent reviews on RAA? They are just not what they were 5, 10, 15 years ago. Sad.

Been a RAA member for many years 10+ never made a claim then had a car accident not my fault . Rating 1 driver Was told I had to organise the tow truck, claim was then lodged under my insurance even though I had given them all the details of the at fault driver who was also with RAA It then took 6 weeks for them to pay me out no hire car offered… Read more

No contact from insurer after initial claim was lodged I had to call them to find out updates on my claim Horrendous experience !! since Allianz has taken over RAA this year its gone to the dogs !! They simply don’t care !! Loyalty no more !

Having been an RAA member for as long as I can remember I decided to take out a Vehicle insurance policy which was fine for the first year, then I get a renewal where they insist my vehicle has dropped $25k in value, which is not the case. I called them to tell them I was not renewing the policy or my Roadside membership which had unfortunately… Read more

just been paid and of course they will not refund the membership cost.

Shame on you RAA you have lost a member for life.

We have been an RAA member taking out insurance for a decade or so. Whilst insurance claims were dealt with professionaly and timely in the past, our recent experience has been appalling. A simple car repair and payout after a burglary has been dragged out for far too long (5 weeks), leaving us in limbo without any solution yet in sight. Show details

I have had a long relationship with the RAA stretching back over 40 years to the early 1980s. As a member of the armed services I moved interstate frequently, but whenever I came back to South Australia I always renewed my RAA membership and used RAA insurance. My current membership period has now spanned over 16 years. Indeed, I once worked for… Read more

the RAA in both the call centre at Mile End and in the shopfronts at Elizabeth and Modbury.

This relationship was based on my belief that RAA was 'simply better', and that the proof of an insurer came if and when I needed to make a claim. Despite your products costing more than most other insurers I believed that it was worth it, as you would always be there 'when I needed it most'. Unfortunately it appears that my faith in the RAA was misplaced. Far from 'being there', RAA is no better than any other insurer - happy to take my money but only too willing to find any excuse not to pay a claim. And to be frank, if I am going to pay for insurance and get little or nothing in return, then I am much better placed finding the cheapest option available to me.

I was once a strong advocate for the RAA. I told my family and friends to use RAA insurance as, in my view, it was worth it as the benefits outweighed the higher prices. But no more. By rejecting the claim on my caravan that I made in good faith, not only have you left me significantly out of pocket and no longer being able to enjoy one of the few activities that I enjoyed as an aged pensioner, you have turned me from being an advocate into a harsh critic. Rather than telling family and friends that the RAA is a better insurer, I will now tell everyone I meet to avoid your organisation as being just another member of a dishonest industry that is rapidly losing the support of the community.

As a result of your failure to act in good faith, I will be cancelling my RAA membership and all of my policies with RAA insurance. It would be an understatement to suggest I am disappointed with how I have been treated - disgusted would be a better word. Frustration. Anger. I actually feel violated. I TRUSTED the RAA, and you violated that trust. And that is far, far worse. I expected better. More fool me I guess.

But I will not be fooled a second time. You have lost a customer, and you will never regain my trust again.

Really cr^p insurance company. Overpriced and wouldn't fix my car after someone hit me and damaged my engine. To top it off, no one at the RAA bothered to tell me that it wasn't going to be fixed and that it wasn't safe to drive and I shouldn't be driving it! Changing to a better insurer asap! Refused to fix it and now I'm looking at $1000 plus to get it fixed. They lied to me and treated me appallingly. Show details

Since the sale and buyout, the worst care of service you could imagine. STAY FAR away. Will this afternoon be removing all policy's both vehicle and home and contents. Proceed at your peril Show details

***UPDATE They did end up refunding me however I had to escalate it to achieve this. It’s a ridiculous clause in their policy making (in my opinion :-) Super disappointed. I just cancelled my car insurance on my old car because I have bought a new car. I was told that because my direct debit had been debited 3 days ago that they’re unable to… Read more

refund the other 28 days worth of insurance. Apparently if I’d paid a year in advance, they could’ve refunded me but as it is a direct debit, they can’t…

We have 6 other policies with RAA and consequently I am extremely unhappy with the service.

I made a claim on 4th of april, called several times in the last two weeks and was told it would take 10 business days to conclude as its complicated. On the first call i was asked for the details of where about of the car so that they can organise assessment. After 10 working days i was told this was complicated and they would orgnanise an… Read more

assessment of the car. I dont know what my rights are and am stuck in Sydney longer than i am suppose to. What....

Never again. Absolutely bad service and very poor at follow up. Promised an agreed value for my car and then acted like it did not exist. Complained about slow and zero service, they sent a message saying they dropped the ball regarding service, investigated themselves and passed. So bad, an utter fail from start to finish! Show details

I am beyond frustrated with the service I received from RAA. I was stranded in the middle of nowhere for over 12 hours, and their excuse for not showing up? "There might be kangaroos on the road, so it’s risky." Seriously? This was during nice weather, and they refused to come, leaving me completely helpless. Multiple calls were made via Toyota’s… Read more

emergency helpline, but RAA still failed to act. One of their phone operators even had the audacity to hang up on me, demanding upfront payment instead of providing the urgent assistance I needed. Is this how you treat people in an emergency?

When someone calls for emergency roadside assistance, the expectation is immediate support, not excuses and delays. If safety was a concern, they should have found an alternative way to help instead of abandoning their responsibility.

I had no choice but to accept the help when it finally arrived, but why should I have to pay after being neglected for over 12 hours? This is absolutely unacceptable. RAA is supposed to be a reliable service, but clearly, they don’t care about their customers when it actually matters.

I will never trust RAA again, and I strongly advise others to reconsider relying on them

RAA Removed me from my vehicle policies due to a pending court case. The court matter was trivial, the complaint was petty, exaggerated and mostly untrue. Guilty until proven innocent it seems. Do not insure with this soulless corporation. Show details

Worst ever insurance company – The RAA are the worst insurance company I have ever dealt with. My car was damaged due to a kangaroo but the damage was not very bad. The RAA sent an independent accessor to look at it and he wrote it off without even doing a quote. The accessor stated everything had been pushed back into the engine which was a complete lie and I have photos to… Read more

prove it, but the RAA were not interested. They also listed the car as a repairable write off on the PPSR register before even discussing any options with me. They then charged me the full year premium even though it was only 3 days after my renewal. I have been a long term member and have multiple policies with the RAA but they will all go elsewhere now. I’m done with the RAA.

RAA - We are a herd – After being with RAA for a few years for 2 cars, we are now down to none. Made a phone call today to ask why my premium had increased by 22%. Lisa (RAA consultant) advised me the average increase this year is 30% and i am under that. I said why is that the increase to which she explained due to bushfire and storms from people making claims. I… Read more

asked why am I paying for other peoples claims when I am driving in new cars with no claims to which to she proceeded to tell me that insurance is not personal and I am part of a herd. I then pusehd to say you are considerably more expensive then the other insurance companies i got quoted to which i was advised that RAA cover more. Went through the entire PDS of RAA and added extras to my quotes so this factually incorrect.

RAA - BEWARE! – DISGUSTED! 13 months after a motorcycle accident where SAPOL found me to be "Not at Fault" and found the driver of a Toyota Insurance vehicle to be at fault and expiated her (she did not challenge the fine in court but paid the fine - a legal admission of guilt) without any warning the RAA put me into the hands of lawyers and debt collectors to… Read more

recover nearly $8,000 within 21 days (8 days before Christmas) for damage my riderless motorcycle caused to a parked car insured by the RAA. I sympathise with the innocent owner and to a much lesser extent the RAA due to the way in which they have dealt with this matter. Right from the start I thought the RAA action against me was a scam or a 'try on' because the legal claim did not have any of my file numbers which the RAA had to have because I sent them. After informing the RAA of my intention to lodge a formal complaint it responded by acknowledging it had made mistakes (like not knowing that I had comprehensive insurance with YMI - which covered me even if I was at fault) - subsequently the RAA declared the mistakes were "inadvertent" - [Content Removed]! RAA correspondence revealed that the 3 insurers had been fighting among themselves behind my back for months. The bottom line: Although the Totoya Insurance client was found guilty by SAPOL Toyota refused to pay the RAA what it legally and morally owes the RAA. My insurer YMI quite rightly wasn't paying anyone because SAPOL found me "NOT AT FAULT" and so, I am alleging that the RAA not having the alleged guts and integrity to take on the giant bully boy Toyota it put me into the hands of lawyers and debt collectors in the hope I'd fall for the ruse and its pretending that it didn't know I had comprehensive insurance. The RAA has closed my complaint and thinks that it can just pass this off as 'sorry for the inconvenience'. Inconvenience! Are you kidding me! I view this as a sleazy attempt to extort money out of me - money that I do not owe - by legal and debt collection threat. If you have dealings with the RAA - BEWARE!

Thank you RAA – Wet key fob in my holden cruze, wouldn't start. Couldn't help or even give me a lift home for my spare key. Flat battery 100k from home. Brought the wrong battery, so they could still make a claim. Gave me a jump start. Then said I should buy a battery from them at double normal price. Had a front collision, only had 3rd party insurance.… Read more

Called them to open my bonnet. He arrived, Then he said he couldn't because it was an accident not a breakdown. Thank you RAA . For nothing

Good in the past – Have 4 policies with RAA. Received the latest round & all 4 add up to $3509 & that's with seniors, Gold member & multi policy discounts. They have been extremely good to us & easy to deal with but this latest round of increases coincided with their announcement of being underwritten by Allianz. One policy (no claim ever made on it) went up 23% in… Read more

1 yr. Sorry RAA but we have to go elsewhere when we can actually get better cover for all 4 policies totalling $2244, a saving of over $1200 for the year. I'm very careful to compare apples with apples ie: excess, cover etc & the new cover is far better $ wise.