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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Common 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.

ComprehensiveThird party, fire and theftThird party only
Damage to your carYesYesIf damaged by an uninsured driverYesIf damaged by an uninsured driver
Damage to another person’s propertyYesYesYes
Fire & theftYesYesNo
$20 million liability coverYesYesYes
Your keys, remotes and locksYesNoNo
Hire car after theftYesNoNo
Personal belongingsYesNoNo
Towing your damaged carYesYesYesIf damaged by an uninsured driver
Baby seats & baby capsulesYesNoNo
Hire car after accidentYesOptional coverNoNo
Remove windscreen excessYesOptional coverNoNo

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.

See how easy it is to switch.

Get a quote

Or call us on 13 27 22.

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.

Collector's car insurance is not currently available online.

To get a quote for your collector's car, call 13 27 22 or visit your local RACT branch.

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

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

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