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Renters insurance qld
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RACV Renters Insurance
With RACV Renters Insurance you get the insurance cover to suit your needs at the right price
Flexible and great value
Get the renter’s insurance to suit your needs at the right price
Range of great discounts
Years of Membership, No Claim Bonus, and Multi-Policy Discount
Easy 24/7 claims service
With RACV there’s no claim form, it’s all done online or over the phone
What you are covered for
Wide range of events covered
Fire, theft and attempted theft, vandalism, broken glass, storm, storm surge, flood, impact damage, animal damage, earthquake, explosion and more
Optional accidental damage cover
To cover unintentional mishaps around your home such as spilling a drink on your laptop, dropping your smartphone into water or if someone knocks over the TV
Valuable items cover
If you want more cover than generally provided for an item or collection (CDs, works of art), insure it as a specified item shown on your Certificate of Insurance
Portable items cover
Insure specified portable valuables (bikes, phones, laptops) in Australia or New Zealand (inside your home and outside), plus up to $10,000 in total in other countries
Optional cover for the burnout of electric motors
That are part of your contents, less than 15 years old and not under warranty, such as in a fridge. Plus up to $500 for spoilt food or medication caused by their failure
Food spoilage included
Up to $500 to replace spoilt food or prescription medication in a fridge or freezer if an insured event causes an interruption to your electricity supply
Credit card theft
Up to $1000 towards any money you must pay the credit card company if your credit card is stolen from your home and used, and your theft claim is covered
Up to $20 million in liability cover
For you or your family’s legal liability if someone else is injured or dies, or for loss or damage to their propety, in an incident anywhere in Australia
Calculate how much renters insurance you need
For help calculating the level of insurance cover you need for your home contents, use our insurance calculator below. The calculator will help you work out how much it would cost to replace your home contents
The suggested replacement costs are only a guide and it is your responsibility to make sure your contents are insured for their full replacement value (including any GST).
The more insurance policies you have with us, the more you could save. When you take out two or more RACV insurance policies you’ll receive 10% off each*
*On existing policies discount takes effect at next renewal. Excludes Travel, Business, Farm, Single Item and Pet Insurance products.
Renters Insurance Features
Renting a house, unit or share house? You’re covered
The same great benefits wherever you are living. If you’re in a share house, insure just your contents and your policy can move when you do
New for old cover
If an insured item is stolen, damaged or destroyed by any event listed in your policy, it’s replaced with a new one
Choice of excess
Choose the basic excess that’s right for you. You can reduce your premium with a higher excess but remember the excess is what you pay each time you make a claim
Choose how you pay
Pay annually and save using RACV’s range of easy-to-use payment options or pay monthly using direct debit from your bank account or credit card
Temporary accommodation if you can’t live at your home following an insured event
You are covered for any extra rent costs for you, your family and pets, any additional living expenses, the costs to remove and store your contents, and return them until your claim is settled, for up to 12 months
Aussie Assist emergency information assistance
Call 13 19 03 anytime for free over-the-phone advice, including referrals to qualified tradespeople such as painters, electricians, or gardeners
RACV saves you money with our Years of Membership Benefits discounts
Bronze
5-9 years
Silver
10-24 years
Gold
25-50 years
Gold 50
51+ years
RACV Home Insurance Key Fact Sheets
RACV Home Insurance Home Contents Key Facts Sheet
RACV Home and Contents Insurance Home Buildings Key Facts Sheet
RACV Home Insurance Product Disclosure Statements
RACV Home Insurance Product Disclosure Statement and Policy Booklet for policies with a start date on or after 18 February 2018 and renewal policies with a start date on or after 2 April 2018.
RACV Home Insurance Product Disclosure Statement and Policy Booklet and Supplementary Product Disclosure Statement for policies with a start date on or after 20 March 2017 and renewal policies with a start date on or after 1 May 2017 and new business policies with a start date before 18 February 2018 and renewal policies with a start date before 2 April 2018.
RACV Home Insurance Product Disclosure Statement and Policy Booklet and Supplementary Product Disclosure Statement for new business policies with a start date on or after 24 November 2013 and renewal policies with a start date on or after 6 January 2014 and new business policies with a start date before 20 March 2017 and renewal policies with a start date before 1 May 2017.
RACV Home Insurance Premium, Excess, Discounts and Benefits Guides
RACV Home Insurance Premium, Excess, Discounts and Benefits Guide for policies with a start date on or after 24 August 2018 and renewal policies with a start date on or after 1 October 2018.
RACV Home Insurance Premium, Excess, Discounts and Benefits Guide for policies with a start date on or after 24 August 2018 and renewal policies with a start date on or after 1 October 2018 and new business policies with a start date before 18 February 2018 and renewal policies with a start date before 2 April 2018.
RACV Home Insurance Premium, Excess, Discounts and Benefits Guide for policies with a start date on or after 8 December 2017 and renewal policies with a start date on or after 21 January 2018 and new business policies with a start date before 18 February 2018 and renewal policies with a start date before 2 April 2018.
RACV Landlord Insurance Product Disclosure Statements
RACV Landlord Insurance Product Disclosure Statement and Policy Booklet for policies with a start date on or after 17 June 2018 and renewal policies with a start date on or after 30 July 2018.
RACV Landlord Insurance Premium, Excess, Discounts and Benefits Guides
RACV Landlord Insurance Premium, Excess, Discounts and Benefits Guide for policies with a start date on or after 24 August 2018 and renewal policies with a start date on or after 1 October 2018.
RACV Landlord Insurance Premium, Excess, Discounts and Benefits Guide for policies with a start date on or after 24 August 2018 and renewal policies with a start date on or after 1 October 2018 and new business policies with a start date before 17 June 2018 and renewal policies with a start date before 30 July 2018.
RACV Landlord Insurance Premium, Excess, Discounts and Benefits Guide for policies with a start date on or after 8 December 2017 and renewal policies with a start date on or after 21 January 2018 and new business policies with a start date before 17 June 2018 and renewal policies with a start date before 30 July 2018.
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