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RACQ Car Insurance

RACQ Car Insurance

2.2 from 180 reviews

Beware!!!!!

This company is a joke. Staff incompetent all the way through. Rear ended by racq driver. They write off the car and offer ridiculous low payout. Cant replace with similar condition car. Complain and get told too bad. By the end of dealing with them they still cant get your name and details correct. Stay away at all cost

Insurance TypeComprehensive
Plan covers drivers under 25No
Claim MadeYes
Claim Resolution Time1-2 weeks
Claim DateMay 2019

They are good and professional, staff are nice

Overall im happy with RACQ, we have had two accidents and one at fault accident... The at fault was super smooth as it was out fault, we paid excess and car fixed.. One of the other accidents was easy but it was my first so was shocked to know you have to get the persons liscence, name (which i had both) and address (i think this is wrong, and should not be passed to eople). But everything went great and car was fixed. The second accident was okay but because the other driver stated i was speeding it got more drawn out, had to write a stated which was annoying but once done got it all sorted.. I think there needs to be jail time added for lieing on insurance claims as it makes it harder for the normal non lying people. Need to get a dash cam!!! But overal i have found racq staff and process good.. There is always space to improve but they are good to insure with.

Insurance TypeComprehensive and Compulsory Third Party
Plan covers drivers under 25No
Claim MadeYes
Claim Resolution Time2-4 weeks
Claim DateAugust 2017
Claim ApprovedYes

Poor company Very bad business. Please don't get ripped off by this company

My car was completely damaged in car accident by an idiot and after almost 11 months of waiting to get my car fixed or something guess what they said no witnesses

Insurance TypeComprehensive, Compulsory Third Party and Third Party, Fire and Theft
Plan covers drivers under 25No
Claim MadeYes
Claim Resolution Time3+ months
Claim DateFebruary 2017
Claim ApprovedNo

Beware of hidden traps in their policies

RACQ do not issue refunds on prepaid insurances or prepaid roadside assistance. If you happen to sell a car and take out new insurance and cancel the old one, they will not issue you a refund on the unused part of the premiums. But they are sure quick to take your money on the new vehicle. When comparing insurances, take this into consideration.

When you try to discuss this with their customer service, they are incredibly rude. Basically it's too bad, we're keeping your money and we don't care. There is no need for them to be rude, they don't even try to be nice about it.

Just imagine the millions they are making for no service. And typically, the government authorities set up to regulate insurance providers, allow it to happen.

Value for Money
Customer Service
Insurance TypeComprehensive
Plan covers drivers under 25No
Car ModelFord Escape
Claim MadeNo

Scammed into buying new battery

Absolute joke of customer service, my girlfriend has been swindled into buying a new battery when she didn't need one. Been sent into the never-ending feedback loop of "contacting customer relations claims officers" and getting nothing sorted. Very dodgy practices preying on those who don't know better.

When we called again just now, we asked for help with the battery situation. The first man was very helpful and said he would put us to the battery department. Where we ended up was an unhelpful, rude and aggressive woman claiming to be the supervisor of a completely different department. WHY were we transferred to the wrong department and dismissed?

Value for Money
Customer Service
Insurance TypeCompulsory Third Party, Third Party Property Damage and Third Party, Fire and Theft
Plan covers drivers under 25Yes
Car ModelMazda 3
Claim MadeNo

Terrible claim service, useless staff, will always take the easy way and your money

My husband and I were the target of a very obvious scam in a parking lot. With zero damage to our vehicle, which was parked outside of the car park where the claimed accident took place. The photo provided by the other party itself was proof of both of these things, and we witness the actual vehicle which likely caused the accident enter and leave the parking lot at the same time we parked outside it, although we couldn't see the plates. And yet RACQ wanted us to admit fault, pay the excess fee and lose our perfect no claim bonus. For something we clearly didn't do. They refused to do anything else. We spent a year trying to fight it and get them to do the right thing but still they wouldn't. Here is something you should know, if you walk or drive into a parking lot, damage someone's vehicle, then simply take a photo of whichever other vehicle you like and blame them for it. You WILL get away with it if their insurer is the pathetic RACQ. AVOID at all costs.

Value for Money
Customer Service
Insurance TypeThird Party, Fire and Theft
Plan covers drivers under 25Yes
Claim MadeYes
Claim Resolution Time3+ months

Roadside assistance

Signed up for roadside assistance in Nov and it’s January and I’ve just sold my car. At the moment I don't know when i’ll buy my next car. They don't give any type of refund or even put the account on pause. Only option was to cancel or give it to someone I know. It cost $167. A lot more expensive then a few years back. I feel at the least they could put it on pause for a few months.

Insurance claim madeNo

Very bad business.Shameful.

I am very disappointed that I was made to pay the remaining 4 months of my years policy after my car was written off. After paying nearly 2 years of insurance, and having 5 policies with RACQ the customer service rep spoke to the CS03 and I was told that the $180 would not be waved.
I have a strong understanding or contract law and I know that as the contract holder RACQ can wave the charges. In fact NRMA have done just that for me prior to me moving to RACQ.
At the end of my year I will definitely not be renewing my contract unless this decision is over turned. Disgusting that we show royalty to RACQ and they show nothing back. $180 means a lot to me after losing my car. $180 means RACQ will never get my business again and will receive a bad review. Very bad business.Shameful. These insurance companies make billions out of interest alone.....

I will say that Liz was very professional and helpful during the process.

Insurance claim madeYes

Disgusted

Don't get caught out with this mob. This is one of the few comprehensive car insurers whose policy "excludes" car damage caused by rats/mice in their PDS. Silly me for trusting them just because of being a GOLD long term of member of their auto club. Just a con.

Insurance claim madeNo

Don’t let RACQ devalue your car

I have always had my own Smash Repairer.
They are professional and trustworthy.
I recently damaged my car. I called the claims department at RACQ where I was bullied into using one of their repairers. Not only did they bully me at the first point of contact but the ASSESSOR called me to try to get me to change my mind and hand my car over to their repairer. The assessor told me lies about the warranty offered by my chosen repairer and other various lies to try to convince me to use their repairer.
I googled the Gemini shop they wanted me to go to and the reviews were disgraceful.
Always make sure you have choice of repairer on your car insurance policy and Do not let racq steer you into a gemini repairer. You will regret it. Read the reviews yourself.

Insurance claim madeYes

Hopeless insurance

How come any insurance company road off any vehicle without giving it its market value price ,, they offered 3 times lower the market value , what a joke

Insurance claim madeYes

Don't trust them.

After a two year battle with them through the ombudsman, the case was found in my favour because RACQ decided they didn't need to supply any evidence to support their case.

Make sure you record every phone call you have with them. They are not above lying, and never wanting to put anything they say over the phone in writing.

Insurance claim madeYes

Both car and home insurance is up to 30% dearer than counterpart in other states eg; NRMA on same ca

I am a 78 years old gold RACQ member and cant work out why I need to go back to NSW to obtain a better deal on insurance not just a little better but a whopping 30+%.To add to our frustration we tried to open a bank account and were treated so badly we came away feeling as though we were applying for a loan much less trying to deposit over $35000..So ok we realise that there would be nobody in this organisation who would understand just how and why the RACQ was established but surely there has to be principles to stand by.

Insurance claim madeNo

I wish I could score lower.

I received a letter in the mail saying hi there valued customer, your premium is now $30 more than it was for no reason.

When I phoned to catch you guys out, not only did I get laughed at but it simply got brushed off saying “it fell through the cracks”.

Not good enough. Terrible service all round. There was no remorse and attempt to fix the customer relationship, only to defend themselves for legal reasons.

Insurance claim madeNo

Awful!

Went to buy movie tickets, it wants a membership number that is miles long and no where to be found in your paperwork. When I paid for the ticket it charged me twice ( which was $120) !! and came up with a message that it failed to generate my ticket. Wasted an hour of my life on the phone only to have to ring my bank toy cancel the payments.

Insurance claim madeNo

Exceptional EXPERIENCE

My first ever claim after 31yrs driving, we hit a roo heading to Mt Isa!
Upon phoning RACQ and submitting a claim, to getting our vehicle repaired!
We can not fault their Professionalism, the gentleman I submitted my claim couldn’t have been more helpful and their Recommended Repairer, was outstanding!

Being with RACQ made our unfortunate accident seem very painless.
I worked for a rival company for over 10 yrs and I have to say, RACQ has most definitely proved to me why we remain with them year after year.

They most definitely deliver what they promise and even though they maybe a little dearer, I can absolutely assure anyone, it’s worth it!

Thanks RACQ

Insurance claim madeYes

Terrible customer service, unreal expectations

Would not recommend.
Declined for a car loan after 3 weeks of waiting for a response as being asked for every bit of paperwork I own, due to too many enquiries on my credit rating, only 6 in the last 5 years with everything paid off early, never with a default, plenty of savings, and above average income with one other small personal loan that I am 12 months ahead of! If they aren’t prepared to lend money they shouldn’t advertise and make enquiries themselves.

Insurance claim madeNo

I'm a happy racq customer

I have been with racq for around 4 years, full comprehensive insurance for my car and racq have been awesome, so happy cos i know my blu car is covered.

Insurance claim madeYes

RACQ ROADSIDE ASSISTANCE

My wife had a battery in her can that decided to die at the Mt Pleasant shopping centre Mackay. After phoning the RACQ to get assistance she waited up to 21/2 hrs before assistance arrived. I have been a member for 42 years have not made a claim in this time and when we needed assistance we found it terribly lacking in service. Thinking seriously of pulling the plug on my association with RACQ. Plenty of competition now which outdates the old mindsets.

Insurance claim madeNo

Cheap! They have gone the cheapest option

RACQ Went the cheapest option to REPAIR a minor dent in my bonnet! 3 months later I still have no car @$###@ now 4 times later I am picking my car up yet again tomorrow. Lets hope it's ok aaarrrggg. 25 years a member and I've been stuffed around. The least they could do is give me back my excess!

First and last claim through RACQ!

Insurance claim madeYes

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Questions & Answers

Had RACQ vehicle inspection all oked by racq continued with purchase, then 4 months later car blew the motor 2 mechanics said the problem would have been there for a long time. Do we have a case. Sharyn reply to shazzcam7@gmail.com
No answers

We have submitted a car insurance claim on the second of March. To this day, we haven' heard anything form RACQ. We called them several times, and they say that they are trying to get in contact with the other insurance company. Is this delay standard? I have been an RACQ/NRMA member for 25 years and an insurance policy holder (of various types) as well. I am seriously considering cancelling my other two policies if this is the service i will receive when i need them.
No answers

My insurance payment didnt go through. Will they try again?
No answers

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