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RACQ Home Insurance
- 2 reviews
RACQ - WHAT A BUNCH OF CROOKS! If they can find a loophole to NOT HELP YOU THEY WILL!
Been insured with RACQ for over 20 years! Home & Contents and all our vehicles full comprehensive insurance.
The February floods come and our house falls apart, walls don't meet floors, roof open, front of house leaning towards the ground, windows insecure, floor not attached to stumps, cracks in every wall except 1 in the whole house. Every room you can see under the house and RACQ send some dodgy engineer and builder who had me in tears (not sure for what reason besides testosterone bullying) to do reports which were fraudulent and full of li...
- 2 reviews
- 5 likes
Not interested in understanding their risk, they simply refuse insurance for home business.
Went to renew an existing policy to a new address for 'Contents' insurance. They refused to renew because I have a home business (operating without a claim for 17years) - I honestly answered their question "Do you do any soldering ?" with "About once every 5years I would do some soldering". This caused them to simply refuse to insure me, even though their actual risk from me soldering once every 5 years is Negligible, it's a very rare occasion that I need to do any soldering. This has changed my perspective on RACQ, funnily I was at an RAC...
Read moreQ branch trying to open a Bank account to make a home loan application, another guy at the counter was having great difficulty with his insurance because of vague definitions in their questionnaire, he was about to cancel 5x policies with them because of their inability to use common sense. From what I see, they have inflexible policies that reduce their risk as far as possible. Now I am sceptical as to whether to proceed with the home loan application.Terrible service & no support
Our bedroom was water damage from the February flood, hubby couldn’t get online so we went into the local RACQ branch & filed the claim & understanding the flood situations we were disappointed that it is still ongoing with such a simple & our 1st small claim after 40 years with RACQ !
Took over 2 weeks before the assessor’s came, again filled more photos & even video of rain coming thru the walls & damaged our contents( we live in a complex so can only insured contents)
We were told to send photos/ videos to the company acting on behalf of RAC...
- 31 reviews
- 23 likes
RACQ. If they can get out of paying they will. What a change they’ve made
Have been insured with RACQ for many years. Last October our fridge burnt out. It was not until talking to someone in March, 22 that I realised we could have made a claim, so at that stage we did. It was rejected on the basis that they never got to inspect the broken fridge. My husband works in engineering. He knows when a motor is gone. RACQ refused to accept this stating there he was involved as the insured so his opinion could not be acceptable. The new fridge we bought was the most basic possible and of the same size. If as they suggeste...
Read mored, we’d kept the old fridge and we’d gotten a professional assessment of the burnt out fridge, then the costs would have been much higher since we’d of had to pay extra for the report and then removal of the old fridge. So, a legitimate claim was rejected on the basis that the PDF states that RACQ needs to assess the old fridge. I don’t care how often people read the PDF there’s no guarantee that they’ll understand it well. They are the insurance experts, not us! Since we were not aware we could claim in the first place how would it be possible to know the rules in the PDF applied? We had a claim a few years ago when a ring went missing. A few weeks after the claim was paid we found that ring. We immediately sent it to RACQs recovery department. We’ve definitely proved our honesty to RACQ. RACQ have rejected our claim simply because they can. They have an out so they’re using it. This shows bad faith and indicates to us that they cannot be trusted. The representative from RACQ who called to tell me the claim was rejected, ([Name Removed]?), explained her case. Naturally I replied with points as to why that was unfair. Suddenly she started saying, I’m just doing my job! It’s RACQ who’s rejected the claim! I pointed out that she was their representative at the moment so I only had her to speak to so I was doing that. At no time was I abusive nor did I raise my voice, yet she was concentrating on denying responsibility because it wasn’t her it was RACQ. I feel embarrassed for her since she kept on about it not being her fault. This whole thing was pathetic. Taking any opportunity to deny a claim just because it’s “legal” for them to do so is operating under extreme bad faith.Find out how RACQ Home Insurance compares to other Home and Contents Insurance
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- 2 reviews
- 2 likes
Lack of communication
Submitted my claim for contents damaged by floods the day we returned home. Now over 5 weeks ago. We were very proactive and made a manifest, found pricing, took photos of every single flood affected item we were claiming for - pretty much spoon fed them. Yet I’ve still received hardly any communication from RACQ. We are without some critical appliances that we cannot afford to replace until we are payed by RACQ. I understand they are busy, however we’ve gone above and beyond what most customers would do and I have contacted them numerous times to get this claim hurried along. This is just not good enough!
- 3 reviews
Can't fault RACQ Contents Insurance
I have been contacted twice over the last couple of days by RACQ with a link in case I need to lodge a claim. I don't but thanks for the care taken to contact me. I really appreciate them reaching out to me and hope others with RACQ are also having wonderful experiences with them. I can't fault them.
- 7 reviews
- 10 likes
What a rip off ..
Been with RACQ 28yrs they put my contents up $7 a month to $25 and said all your 5 discounts applied ?? What a rip off I make no claims
Suncorp Medway only $3 different $28 and that's no discounts...?
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Horrible, Horrible. They have Three levels. Each one work independently to reject or accept claim.
Horrible experience. They don't hand over to each others. This is purposely to slow down the claim. Mixed messages, frequently inspects and takes photos, poor communication, mostly blame you for poor maintenance resulting in damages. My insurance claim was raised in Feb 2021 and accepted in March 21, it is more than a year now despite reporting to AFCA. RACQ dont seem to bother. Anything you ask in writing, you never get it, except an automatically generated email reply that your case will be heard in 10 working days and this email keeps poppin...
Read moreg up every 10 days. They keep inspecting ur home and taking photos, mostly inspectors do not turn up as agreed, they waste your time, they purposely annoy you, at times. I wondered if intentionally provoking so that anger and abuse van be used against you.I am still pursuing the repair works. when I received my renewal notice, the premium was more than twice. Please be aware of these. I am still pursuing the case. when I received my renewal notice, the premium was more than twice. Especially if you are non-English speakers or not your first language, you are f...d- 3 reviews
- 1 like
Fantastic response
Fantastic response after our home was broken into on New Year's Eve. Initial repairs completed the next day - a public holiday, no less! And further assessments already done regarding the remaining repairs. Well done - really appreciate the support and assistance provided so far!
Find out how RACQ Home Insurance compares to other Home and Contents Insurance
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- 2 reviews
- 1 like
Terrible company
Been with Racq for many years but the customer service is horrible. For months I have been triying to get through on the phone, but just get left on the line forever. I was just trying to pay my several policies after changing banks. Impossible. Can't get through and no one ever contacts me back. Home and contents, car and breakdown all outstanding because you cannot change bank details online while outstanding. Then can't phone tem either. Frustrating.
- 3 reviews
- 2 likes
Horrid company refuses to honour a fair claim for an appliance that an ill person relies on to breathe properly
I am convinced that this company will do whatever they can to worm their way out of paying....even when there is a person with a serious neurological illness in the house who replies on the functionality of the appliance they are refusing to fix. The outdoor unit part of our aircon was damaged due to recent storm activity. I informed RACQ that I intended to lodge a claim after I receive a detailed report from a technician. The consultant mentioned a $500 excess. Two days later upon receiving the report, I phoned RACQ to lodge the claim. I was a...
Read moregain quoted a $500 excess halfway during the claim lodgement process. I spent 1 hour on the phone after which point, the consultant apologised & advised that the $500 excess had somehow jumped to $2000 during the final steps of lodging my claim (the repair quotation was $1700). She inquired with a supervisor & then advised me that they couldn't process my claim as they were treating it like building damage. Keep in my that it is the internal components of the outdoor unit of an electrical appliance that sustained fusion damage & that the unit is not attached to the structure/house & hence does not constitute building damage. In total, I spent 4-5 hours on the phone which was a complete waste of time. Unsurprisingly, AFCA said that the unattached outdoor unit is a separate entity....not a part of the structure of the house. I will be lodging a complaint through them or possibly a claim through QCAT. I will also be cancelling my exorbitant policy which has proven to be utterly useless the one time we've actually needed to claim something. The only positive is that the lady who tried lodging my claim was lovely but everything else about this company is terrible.Totally satisfied customer.
RACQ’s quote to insure my properties was $4000 less than 4 other agencies. After selling, they reimbursed funds from the sales date, even when cancellations took place a month afterwards. Phone conversations are professional, yet genuinely considerate and supportive. Thank you to the wonderful staff who I have dealt with - so appreciated especially given that I live interstate. I will always sing your praises.
Find out how RACQ Home Insurance compares to other Home and Contents Insurance
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Avoid!
This company uses the RACQ name but is NOT the company that provides the RACQ Roadside Assist. It seems unbelievable but I suffered minor damage during a storm. I made a claim. An extremely dodgy assessor was sent out. He ripped up (why?)roofing sheets and didn't properly replace them, unbeknown to me. (He actually bent back the spines of the sheets). The very next rain caused extensive damage to my home. The RACQ refused to pay, saying my roof was in poor condition. I had had a roofer working on a skylight on the roof the year before. He verified the roof had been in good condition then and that sheets had been bent up but, of course, the RACQ would not pay.
- 22 reviews
- 27 likes
Constant harassment from RACQ
25 years with RACQ & their insurance became too expensive. Reminders by the truckload before payment due, text messages, letters & phone calls after we went elsewhere. Now 5 weeks after we changed our insurance provider their General Manager Insurance Product & Distribution has sent us a letter claiming that we've changed the policy & for us to contact them to discuss the change. I have told them in emails on at least 5 occasions not to contact us again, though to no avail. My wife and I are in our mid 70's we feel uncomfortable that we're bein...
Read moreg stalked by these people and now we're concerned that they may take to visiting us at home to demand answers. They just don't take "no" for an answer. I'd recommend to anyone thinking of joining them to think carefully about their extraordinarily high prices and their constant stalking of the elderly.- 2 reviews
- 1 like
Buyer beware of RACQ
I have been a member for almost 40 years and my parents over 50 years. I have a rental property which was damaged by a storm and the tenants trampoline caught by wind lifted and damaged the gutter on roof of pergola and wooden fence. It is interesting that I was notified by phone that my claim was refused prior to the report from Crawford' s assessors was even submitted. Makes you wonder doesn't it. They had no intention of honouring the claim and decided this before the reports were submitted to them. They said the meteorological report indic...
Read moreated the wind was not severe and the impact was upward force. Well it seems they believe wind only moves in 1 direction. Ridiculous!!! I disputed the refusal based on the fact had there not been a storm there would be no damage-only to be denied again. The repairs would have cost RACQ less than my excess and I have paid them thousands over the years so my advice is to anyone be aware. I would not recommend RACQ and I could have gone to the ombudsman but this situation was causing so much stress I could not sleep at night so reluctantly I let it go. Buyer beware!!!Questions & Answers
Hi does racq cover cement tiles on roof if broken
I am the one asking the question does racq cover broken tiles on roof ceme t tiles
Hi Jude it will be up to the contractor. I eventually got around all the issues by writing a complaint and finding my own contractors who knew what they were doing and came in 5K cheeper than the croo...
Read moreks RACQ sent. If you have issues with a claim best to find your own builder and get a quote.Do you do landlord insurance for a current customer
Thanks Kathy
I believe they do. I had their trades assist insurance and the rental had a leak they refused to send someone out very disapointed
Hey, I've had accidental water damage to my laptop(>4years old). Is it worth making a claim with RACQ? I've never claimed before. Are They good with this sort of thing? What process if I've tossed the laptop out?
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Details
Category | Home and Contents Insurance |
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Other Insurance Types Offered | Car, Home and Contents, Income, Life, Pet and Travel |
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