RACQ Home Insurance

I am a long time holder of RACQ home insurance and I have never made a claim. When my premium went up another $100 this year, despite no change to my circumstances, I browsed the discounts available and found this little known gem - Household Excellence Bonus. Members with more than 5 years claim free insurance (not just with RACQ) get a 3% discount and those with 10 years claim free (again can be with other insurers) get a 6% discount. This discount (called a bonus) had not been applied to my policy and when I asked about it even the custome...Read more

Do not buy insurance from the RACQ. I have had all my insurance with the RACQ for many years and never had a reason to make a claim until , during a storm, water entered my home and damaged the ceilings of the laundry and kitchen. An assessor was sent out. Now I'm elderly and wear a leg brace and clearly can't get on to my roof. This assessor showed me a photo of my roof with a big open gap. But this was far below the area where water had come in. If such a gap had existed water would have poured into my second bedroom as recently as the eve...Read more

My mother recently lost nearly everything she owned in the Townsville floods. My sister phoned RACQ, my mother's insurer, as soon as we knew that water had inundated my mother's unit to lodge a notice of claim. It was seven days before anyone could access the unit. My sister and mother met an assessor there and entered the unit for the first time with him, wearing old clothes, gum boots and face masks. They were told to take anything that could be salvaged and leave the rest untouched. There was little to save except for precious family photo's...Read more

Attention to home owners in cyclone zone areas, I was recently shocked to find out my insurance doesn’t actually insure me for what I thought. I paid $4500 annually and have since found out I’m not covered for Power surge in a storm, my pool is not covered, my retainer wall is not covered, if it’s a king tide and I flood I’m not covered, if I’m on holidays and no one is home I am not covered, a fire they will not repair smoke damaged items here are just a few examples. It nearly cancels out everything that is directly related to a storm or cycl...Read more

Have been insured with RACQ and another major insurer for over 20 years and will no longer support them.

I recently filled out an online quote for house and contents insurance and was quoted nearly $2,000 for my new house and contents policy. Problem was, the online form I filled out "valued" my house's replacement cost at $650,000. The questionaire did not even try to establish anything but the most basic facts about my property. $650,000 might seem reasonable, however, I am a professional property valuer with 20 years experience valuing ho...Read more

Policy prices are not particularly competitive compared to the other million or so insurance companies out there. Frontline customer service from RACQ was satisfactory. Dealings with loss adjusters/assessors and tradesmen however was particularly bad and clunky.

We had a shower screen spontaneously explode (yes it is a thing) which caused damage to our bench top and bath tub, meaning the screen, bench top and bath needed to all be replaced. As mentioned, dealings with RACQ employees were satisfactory and they were very helpful.

Any d...Read more

I had to make a claim in early April after I came home from overseas to discover that a toilet cistern had fallen off the wall upstairs and flooded my property including my lower level ceiling caving in. I have home and contents insurance with them and had to continually chase them, somebody was sent to remove my carpet to allow a company to dry out the flooring and the contracter asked me if they were also assessing the entire contents after RACQ had advised me they weren't (turns out they were), two electricians showed up to test my applianc...Read more

I received my RACQ Home and Contents Insurance renewal. The premium had increased by $155 (12.6%).
I had never made a claim against them. I have been a member for over 40 years and have 3 cars insured with them.
I have a back to base alarm system, dead locks on the doors, locks on the windows and crimsafe screens and doors.
RACQ give $30 discount for a back to base alarm system that costs me $489 a year to monitor.

I went on line to get a new quote based on the same criteria and it was $92.56 cheaper than my renewal premium.

So a new ...Read more

We have house insurance with RACQ have never made a claim, our 2017 policy cost us $540 we have been told it is going to cost, $810 to renew, I'm no maths expert but that is an increase of 60% from one year to the next, The house an ex Jehova kingdom hall, built of besa block on a concrete slab, built in the early 70s the house is solid, no signs of settlement, after fitting out a kitchen and new bathroom in what was the mens toilets, the place is maintenance free, I have checked the towns flood map and flood history there are no records of th...Read more

Recently received our home and contents insurance premium - it had increased by 33% in one year. We have never made a claim, nothing on our property or suburb has varied, no natural disasters etc etc etc. When I phoned to find out why the huge increase I was told 'Qld has gone up this year'. When I complained further I received a generic letter saying much the same thing. When I complained further I was told reasons for the huge increase were 'commercial in confidence' and was offered an extremely minimal deduction in premium. Needless to ...Read more