Car Insurance

Are you buying your first car? Upgrading to something family friendly? Maybe you're finally investing in a collector's car? You could have cover for your car in just a few minutes.

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    Manage my insuranceDownload documentsCommon questions

    How much cover do you need?

    Every car is different and your needs are, too. That's why we have three levels of cover so you can choose what suits you best.

    Comprehensive Third party, fire and theft Third party only
    Damage to your car
    Damage to your car If damaged by an uninsured driver If damaged by an uninsured driver
    Damage to another person's property
    Damage to another person's property
    Fire & theft
    Fire & theft
    $20 million liability cover
    $20 million liability cover
    Your keys, remotes and locks
    Your keys, remotes and locks
    Hire car after theft
    Hire car after theft
    Personal belongings
    Personal belongings
    Towing your damaged car
    Towing your damaged car If damaged by an uninsured driver
    Baby seats & baby capsules
    Baby seats & baby capsules
    Hire car after an accident
    Hire car after an accident Optional cover
    Remove Windscreen excess
    Remove Windscreen excess Optional cover

    Maximise your savings

    • Flexible excess choices

      You have the option of a higher standard excess in return for a reduction in your premium..

    • Personal insurance portfolio

      You can combine your car policy with home and contents to save on your premiums.

    Have you invested in a collector's car?

    • Agreed value cover

      If your collector's car is not recovered after being stolen, or is assessed to be a total loss, we'll pay you the agreed value on your current policy schedule.

    • Club event cover

      This protection covers against damage and loss when your collector's car is on display at a recognised club event.

    • Towing costs

      We'll pay for reasonable towing costs if your collector's car is damaged and can't be driven, or if it's recovered damaged after being stolen.

    • Legal liability

      We'll pay up to $20 million for accidental damage to another person's property.

    • Salvage rights

      In the event of a total loss, your collector's car remains your property.

    • Special occasion hire

      Protection against damage or loss while you hire out your collector's car for a wedding or similar event.

    See how easy it is to switch.

    Get a quote
    Or call us on 13 27 22.

    Why choose us?

    • Free membership

      When you take out car insurance with us, you automatically become a member. You'll get access to benefits such as cheaper fuel at United, discounts at Repco and savings on movie tickets. Find out more on our Member Rewards page.

    • Supporting Tasmanians

      Our call centre is right here in Hobart. If you need to make a claim on your car insurance, you'll be speaking to someone from your community who understands and can help.

    • We're here for you

      From wildlife to wild weather, Tasmanians face some risky driving conditions. If you need emergency assistance, you can call us 24/7 on 13 27 22.

    Common questions

    • Can I update my car insurance policy online?
      Yes, just log in to your Member Hub and follow the instructions.
    • Are trailers covered under my car insurance policy?
      Yes, our comprehensive policy covers accidental damage and theft up to a limit of $1,000. If you need a higher level of cover, have a look at our caravan and trailer insurance.
    • Can I get a discount for combining my policies?
      Yes, you can combine your car insurance with home and contents for a discount on your premium.

    For full details about what is and isn't covered, take a look at the relevant PDS below:

    Comprehensive car and third party PDS

    Collector's car PDS

    RACT Insurance Pty Ltd, ABN 96 068 167 804, AFS Licence 229 076, is the insurer.