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Very poor content insurance
We lost quite a lot in a recent robbery. Our specified amount for our content insurance for gold was changed in the renewals of the policy without informing us. We informed the insurance company about our changes in the policy, and initially, they said they would retrieve the phone call, and after that, they came back informing us that they couldn't retrieve the call. Even though we were sure about our specified amount, they were not willing to provide us. We didn't even receive 1/4th of our loss. We were with this company for more than 8 years...and never claimed anything. The decision from the officers was unjust and not acceptable. The officers working only for their profit, customer needs and worries are their least priority. Surely no safety for our money and properties. Had such a disappointing experience.Would not recommend it at all
Denied claim for ceiling collapse event that led to homelessness
Ceiling collapsed in rental (had been a customer with RAC contents for 12+years without any claims) property - RAC was also the insurer for the home owner, which they didn't admit to up-front - no access to independent assessor. The insurance assessor (via RAC claim from owners didn't turn up until day after the event when ceiling/debris had been removed - assessor spent less than 5minutes on property and wasn't interested in the history of property issues (e.g. previous water damage to ceiling), very dismissive. RAC wouldn't start the claim ev...en after two phone calls (including one-on-the day), I couldn't start the claim online (despite everything advertised). Had to attend RAC head office in tears with 50+ photos of the traumatic event (was in the house when the collapse occurred) after lock-down before anyone would take my claim seriously. No offer of consideration for temporary/alternative accommodation (wouldn't agree to hotel, no spare rentals available) during Perth lockdown. Terrible customer service; rental deemed un-inhabitable, ended up homeless with items in storage - no support from RAC for possible solutions; then they denied the contents claim. Offered token financial support but many thousands short for the damage to items, lost time from work, actual cost for replacement items, emergency food purchases and emergency storage of contents. Very disappointed experience for all they talk customer service, supporting locals, etc. Have not renewed my policy - would not recommend contents policy.
I honestly couldn't fault them
After reading so many negative reviews, I will admit I was worried.. I had a lot of storm damage from the cyclone that came through in April.
The Rac was fantastic, replace fences, food and pool cover... money in my account straight away for spoilt food due to loss of power.. and pool cover the next day.. the fence took a few weeks to come through.. all is fixed now.. I'm happy.. thank you RAC
Inflexible, unjust organisation
This big organisation does not care about anyone except their board members. From storm damage claims that aren’t paid out because the wind on the weather report didn’t match the damage, not renewing car insurance because they spelt my name wrong then failed to carry over my NCD and not allowing you to cancel your membership without paying the year in full. There is so much better out there.
We were on holidays for 7 days and when we returned freezer had huge puddle of water underneath it and damaged the floor and they won’t cover it because they don’t know why it happened. They sent out a contractor who said it was a power failure.
Below par workmanship
Been with RAC more years than can remember
Made a claim for damage from storm damage accessed in may 2020
I am still trying to get to completion for approx 6k of work builder : ( JLG )
( My advise ) take the payout no matter how cheap the builder quotes
Outside damage included a canopy replaced with inferior finishes
Plasterers although were by far theier best trade had to argue as to extent of their contract & builder unsure also Painter phoned us & told extent of job became busy all of a sudden as was briefed differently by builder..
Extremely poor information supplied
Our home and content premium jumped 18.9 % (eigtheen.nine %) between 2019-20 to 20-21 without reasons given ..... I asked for clarification in writing with 2 emails and one tel call ... RAC WA does not want to explain or clarify, only promoting their product with irrelevant excuses in automated (?) / standard responses.
Obscure parochial RAC WA ....i would expect RAC WA to be more transparent
Increased Premiums without a claim
If you lodge a claim that is not worth proceeding and subsequently withdraw it then it will stay on your record and increase your premiums the following year.
So no claim, no payout yet you still pay.
RAC falls short on fence cover big time
My fence blew down in a storm but RAC only cover the section that is damaged . This type of fence is no longer available, the new fence that every uses is Colourbond. My neighbor's insurance covers their entire fence and they immediately set up a temporary fence around their swimming pool.
I really felt like a second class citizen with RAC. When my insurance comes up for renewal I just might have a look what the COMMONWEALTH BANK has got to offer in the way of home insurance (especially fence) cover. 6WF
Excellent claims service
An insurance company is only as good as its claims service.
After my home suffered storm damage both inside and outside the claims ladies over the phone were polite and helpful. It was a little slow getting the builders out to assess the damage however I'm sure I wasn't the only one wanting their service.
They rang me on a Saturday morning to discuss the builders report and then promptly paid out on Monday.
I have dealt with other insurance companies and I have found RAC by far the best.
Well done RAC.
Great claims service but premiums let down
Can’t fault the claims service. Promptly paid out and great communication. Only downside is yearly premium increases and RAC won’t offer loyalty discount or price match for like for like policies with other competitors.
Wooden fence blew over in storm
Our fence blew over in a storm and Rac offered us $585 minus $500 excess so $85 What a joke . We have never made a claim and will be cancelling all our insurance with Rac . I wish I looked at these reviews before using Rac .
RAC - Worst Insurer In Australia - continually deny claims & are liars! WORST ISURER!
Continually have denied my ongoing claims & falsely calculate minimal claim payments - Continually ignore legal documents stating rent component from District Court in Western Australia! As a result Of RAC Actions I now have 3 Investment Properties in mortgage arrears and legal receivership by the BANKS! RAC have continually nit assessed my claim on a claim-by-claim basis! Do not use AFCA to resolve your insurance complaint with RAC as this is not a government service & is directly financially funded by insurers & financial institutions who are partnered members Of AFCA (Australian Financial Complaints Authority). I recommend Seeking legal advice & finding another insurer other than RAC...! 0 stars out Of 5 stars rating
Would not cover
I brought insurance over the phone over a year ago as I wanted to actually speak to someone to make sure I got the best cover possible, I explained our situation and asked for everything to be covered no matter what happened to it. a year later we get a big storm bring water in completely ruined the carpet bed mattress ect and was told I'm not covered for storm insurance because I never asked for it (never once was I offered or even told that was a separate matter) was told if I had of had building insurance I would of been (however I'm renting...and I was even told I couldn't of insured the building?) fair enough I never asked specifically for storm insurance but I didnt know I had to considering I asked for everything to be covered and was never told this was seperate. I thought maybe this was a common sense and I was wrong but so far today talked to 3 different friends with this insurance and all were under the impression they were covered for things they weren't! was told that had my of computer or something else been damaged by the storm I would be covered (even though I apparently didn't have storm insurance witch is why I'm not covered for my claim but all of a sudden I partly have storm insurance since I could of claimed that) but a bed and carpet arnt covered because there not 'personal items' but my computer is? I had no intention of even making a claim until a subcontractor for them (was sent by my landlord not my insurance) came out and said I should make a claim, someone from there own company told me to but yet there manager on the phone said I couldn't? it makes no sense what so ever the last I was talking to was even going back and forth!
$120 from a $6000 bill.
I will be looking for another insurance company.
Storm damage knocked down parts of my fence but the product has been discontinued and unable to be repaired. The only option is a replacement, but this is not covered.
I was under the impression that insurance was there to cover unexpected costs due to unexpected circumstances. It's that simple.
After being a customer for 7 years I was set to receive a whopping $120 for a $6000 bill.
Terrible faceless company.
Questions & Answers
We have contents insurance, the question is We had a power cut from 8am to 4pm on the 28th oct our fridge has stopped working are we covered by our insurance
For what? Did the food in the fridge spoil?
If you have proof ask the question.
Synergy sent sms to all people in Glen Iris area that power would be turned off . Food in my fridge doesnt keep cold it freeze everything (works as a giant freezer cant adjust fridge part at all)
Does the RAC cover your solar PV system ?
Does solar panels comes under building insurance?
Get an answer from our members
|Category||Home and Contents Insurance|
|Other Insurance Types Offered||Business, Health, Home and Contents and Pet|
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