Car Insurance for Tasmanians
Driving in Tasmania is a way of life. We know, we live here too. From the school run to work, sport and weekends away, your car does a lot for you. So, when something happens, it is not just the car that is affected. It can throw off your whole day.
Which cover suits you?
Comprehensive Car Insurance
Covers loss or damage caused by:
accidental damage to your car;
fire and/or theft to your car;
malicious damage; and
the use of your car to another person’s property.
Third Party Property Damage
Covers loss or damage caused by:
the use of your car to another person’s property; and
an uninsured driver to your car.
Third Party Fire & Theft
An optional add-on to Third Party Property Damage that covers loss or damage caused by fire and/or theft to your car.
Compare cover types
Whether you're protecting a new vehicle or simply looking for essential cover, we have options to suit different needs and budgets. Compare our cover levels below to find the protection that's right for you.
Important information: The table below provides a summary of cover only and does not describe all benefits, limits, conditions, or exclusions. Please read the full PDS for complete details and refer to your policy schedule for the cover you've selected. The information below applies to new policies and renewals from 18 June 2026 and excludes Collector's Car cover.
For insurance policy information prior 18 June 2026, please refer to this alternate comparison.
- 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.
You can also speak with our team at one of our local stores or call us on 13 27 22.
Before you buy
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. Cover is subject to the policy terms.
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.
Common Questions
Can I pay monthly?
Yes. We don't charge extra for paying by instalments.
What is the difference between not-at-fault hire car and optional hire car cover?
Comprehensive policies include up to 14 days hire car cover when you're involved in an accident with another vehicle, the other driver is 100% at fault, and you can provide their details.
Our optional hire car cover is an additional cost and provides up to 30 days car hire after an accepted claim if your car is stolen, undriveable or being repaired.
How do I cancel my insurance policy?
To cancel your insurance policy, please phone us on 13 27 22 between 8am and 6pm Monday - Friday, or between 9am - 2pm Saturday.
Alternatively, you're welcome to visit us at one of our store locations.
Renewed or purchased before 18 June 2026?
The table below applies to Car Cover for new policies and renewals before 18 June 2026 and excludes Collector's Car cover.
- Covered
- Not covered
- Optional cover
- †.
- If damaged by an uninsured driver.
- ‡.
- If damaged by an uninsured driver, or as a result of fire or theft.
There's a trait Tasmanians share
We look out for each other. Quietly, without fuss. It's just what we do here.