Car Insurance
Driving in Tasmania is a way of life. We know, we live here too. Our car insurance can cover your car for those moments when accidents happen.
How much cover do you need?
Every car is different and your needs are too. Choose the cover that suits you best.
Important: The information in the tables below does not provide a full description of what is and is not covered, so please read the entire PDS for details and refer to your schedule for the cover you have selected.
The table below is applicable to renewals and new policies from the 18th June 2026.
| Comprehensive | Third Party Property Damage | Third Party Fire & Theft | |
|---|---|---|---|
| Accidental damage | Covered | Not covered | Not covered |
| Malicious damage | Covered | Not covered | Not covered |
| Natural events | Covered | Not covered | Not covered |
| Fire | Covered | Not covered | CoveredFootnote † |
| Theft | Covered | Not covered | CoveredFootnote † |
| Damage to your car caused by an uninsured driver | Covered | CoveredFootnote † | CoveredFootnote † |
| Legal liability for loss or damage to another person’s property | Covered | Covered | Covered |
| Car keys, remotes and locks | Covered | Not covered | Not covered |
| Electric vehicle charging equipment | Covered | Not covered | Not covered |
| Baby capsules and child seats | Covered | Not covered | Not covered |
| Personal belongings | Covered | Not covered | Not covered |
| Campervan or motorhome contents | Covered | Not covered | Not covered |
| Trailer cover | Covered | Not covered | Not covered |
| Emergency repairs | Covered | Not covered | Not covered |
| Emergency transport and accommodation | Covered | Not covered | Not covered |
| Temporary replacement cover | Covered | Covered | Covered |
| New car after total loss for cars less than two years old | Covered | Not covered | Not covered |
| Towing and storage costs | Covered | CoveredFootnote # | CoveredFootnote ⁑ |
| Hire car after a not-at-fault accident | Covered | Not covered | Not covered |
| Hire car after theft | Covered | Not covered | Not covered |
| Optional 30 day car hire | Optional cover | Not covered | Not covered |
| Optional no excess windscreen and glass | Optional cover | Not covered | Not covered |
| Optional increased campervan or motorhome contents | Optional cover | Not covered | Not covered |
- Covered
- Not covered
- Optional cover
- †.
- The most we will pay you is the market value of your car, or $5,000 (whichever is the lesser).
- ⁑.
- If your car is damaged by an uninsured driver or as a result of fire and/or theft.
- #.
- If your car is damaged by an uninsured driver.
The table below is applicable to renewals and new policies prior to the 18th June 2026.
| Comprehensive | Third party, fire and theft | Third party only | |
|---|---|---|---|
| Damage to your car | Yes | YesIf damaged by an uninsured driver | YesIf damaged by an uninsured driver |
| Damage to another person’s property | Yes | Yes | Yes |
| Fire & theft | Yes | Yes | No |
| $20 million liability cover | Yes | Yes | Yes |
| Your keys, remotes and locks | Yes | No | No |
| Hire car after theft | Yes | No | No |
| Personal belongings | Yes | No | No |
| Towing your damaged car | Yes | YesIf damaged by an uninsured driver, or as a result of fire or theft | YesIf damaged by an uninsured driver |
| Baby seats & baby capsules | Yes | No | No |
| Hire car after accident | YesOptional cover | No | No |
| Remove windscreen excess | YesOptional cover | No | No |
Do you know what to do after an accident?
We've put together a printable document to help you. Download a copy and pop it in your glovebox in case your day goes sideways.
Got a collector's car?
We offer cover for your older, unusual, unique or rare cars. Give us a call or visit a store for a quote.
Common Questions
- How do I cancel my insurance policy?
#Existing eligible active RACT Insurance policyholders on 31 July 2026 automatically receive one draw entry. Purchase a new eligible RACT Insurance product between 10 April and 31 July 2026 for one additional entry per new product. Excludes Pet, Travel and Strata Insurance. T&Cs apply.
Before buying insurance issued by RACT Insurance Pty Ltd (ABN 96 068 167 804, AFS licence 229 076) you should read the Product Disclosure Statement (PDS) which you can find along with the Target Market Determination (TMD) on our Insurance Documents page.
