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Pay monthly at no extra cost
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Cover starts immediately with 21 days to pay
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Member benefits and savings
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Multi-policy holder discount
Because you never know what's around the corner
Whether you drive a 4WD, a zippy hatchback or anything in between, RAA has a range of insurance options to suit your needs.
We can even help with vintage cars or your one-of-a-kind investment. If the unexpected happens, you can rest easy knowing you’re in good hands.
Plus, our insurance policies come with RAA membership, giving you access to a whole world of benefits and savings.
Choose from three types of cover
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1Standard benefits
Unlimited windscreen repair or replacement
Repair or replacement of your windscreen, plus you won't pay an excess for windscreen or window glass breakage claims.fa-checkfa-timesfa-times -
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Lifetime Vehicle Replacement
We’ll replace your vehicle with a brand new vehicle if your car is a total loss, providing it was manufactured in 2014 or after, and you've insured it with RAA Comprehensive Car Insurance since brand new.fa-checkfa-timesfa-times -
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Sum insured or market value
In the event of a total loss, we’ll pay the sum insured or market value, whichever is the higher at the time at the time of loss.fa-checkfa-timesfa-times -
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Theft or attempted theft
You're covered if your car is stolen or damaged as a result of theft or an attempted theft.fa-checkfa-checkfa-times -
1
Fire
You're covered if your car is damaged by fire, including bushfire.fa-checkfa-checkfa-times -
1
Legal liability
We'll cover up to $20 million legal liability for any loss or damage to other people's property arising from the use of your vehicle in Australia.fa-checkfa-checkfa-check -
Claims handled in SA
For your convenience, our call centre and claims department are right here in SA.fa-checkfa-checkfa-check -
Flood
You're covered if your car is damaged as the result of a flood.fa-checkfa-timesfa-times -
Hail
You're covered if your car is damaged due to hail.fa-checkfa-timesfa-times -
New vehicle replacement within 2 years
If you buy a brand new car and it's written off within two years of the initial registration date, we'll replace it with a brand new one.fa-checkfa-timesfa-times -
Malicious damage (such as vandalism)
You're covered if your car is damaged due to malicious damage.fa-checkfa-timesfa-times -
Baby capsules, booster and child seats
We'll cover up to $500 per baby capsule, booster or child seat if it's damaged (and no longer safe) or stolen while it's fitted to your vehicle.fa-checkfa-checkfa-times -
No fault excess
You don't need to pay an excess if, in our opinion, you weren't at fault and you can supply the details of the other party involved.fa-checkfa-checkfa-check -
Traveller's benefit
We'll cover up to $750 for transport and accommodation if you're driving more than 100km from home and unexpectedly you become seriously ill or injured.fa-checkfa-timesfa-times -
Hire car following theft
We'll cover the cost of hiring a similar replacement vehicle for up to 21 days if your car is stolen.fa-checkfa-checkfa-times -
Freedom of choice of repairer
You've got the freedom to choose your own repairer. Limitations apply. Repairs must not be undertaken without prior consent of RAA. RAA may pay cash in lieu or move your Vehicle if your chosen repairer does not meet RAA’s standards for safety, quality, fairness, effectiveness or price.fa-checkfa-checkfa-times -
Repairs guaranteed for life
The repairs arranged by us at an RAA Approved crash repairer are guaranteed for so long as you own and continue to insure that vehicle with us.fa-checkfa-checkfa-times -
Genuine manufacturer parts
We'll authorise repairs with Original Equipment Manufacturer (OEM) parts consistent with age and condition of your car, where appropriate and available.fa-checkfa-checkfa-times -
Taxi home up to $150 after an accident
We'll cover up to $150 for emergency transport, e.g. a taxi, from the scene of an incident to your home or intended destination, if your car is stolen or isn't drivable as a result of the incident.fa-checkfa-timesfa-times -
Trailer cover up to $1500
We'll cover up to $1500 for loss or damage to a trailer if, at the time of the incident involving your car, your trailer was attached to your car.fa-checkfa-timesfa-times -
Towing and storage
If your vehicle is damaged as the result of an insured event, we'll cover the cost of its removal and storage at the nearest repairer or place of safety.fa-checkIf the damage is a result of fire or theftfa-checkfa-times -
Personal effects up to $1000
Where you make a claim for your vehicle, we'll also cover up to $1000 to replace personal effects (excluding money) that are stolen from your vehicle or accidentally damaged as part of the incident.fa-checkfa-timesfa-times -
Emergency repairs
For every claim we accept, we'll cover up to $750 for emergency repairs to your vehicle so you can get it to your destination, the nearest repairer or place of safety after an insured event.fa-checkfa-timesfa-times -
Emergency travel/accommodation
If you're more than 100km from your home and your car has been stolen, or isn't drivable as a result of an insured event, we'll cover up to $750 for emergency travel and overnight accommodation.fa-checkfa-timesfa-times -
Rating 1 for life
If you currently hold a rating 1 (maximum no claim discount), you'll keep this rating while you're insured with RAA at no extra cost.fa-checkfa-timesfa-times -
14 day change of vehicle
When you sell or your replace your car for another car, we’ll cover the new car for up to 14 days.fa-checkfa-checkfa-check -
Flexible excess options
Options available to suit your needs.fa-checkfa-checkfa-check -
Death of a driver
If the driver of your vehicle is 18 years old or over, and is accidentally killed as a result of a motor vehicle accident while driving your vehicle (private use only), we'll pay $5,000 to the estate of the deceased.fa-checkfa-timesfa-times -
Replacement of locks and keys up to $750
We'll cover up to $750 for the replacement of car keys, central locking remote control, and/or recoding of locks if your keys are stolen.fa-checkfa-checkfa-times -
Legal costs
With our prior agreement, we'll cover all legal costs and expenses incurred in defending any civil court proceedings arising from an insured event.fa-checkfa-checkfa-check
Choose from three types of cover
Use the drop-down menus to compare options
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1Standard benefits
Unlimited windscreen repair or replacement
Repair or replacement of your windscreen, plus you won't pay an excess for windscreen or window glass breakage claims.fa-checkfa-timesfa-times -
1
Lifetime Vehicle Replacement
We’ll replace your vehicle with a brand new vehicle if your car is a total loss, providing it was manufactured in 2014 or after, and you've insured it with RAA Comprehensive Car Insurance since brand new.fa-checkfa-timesfa-times -
1
Sum insured or market value
In the event of a total loss, we’ll pay the sum insured or market value, whichever is the higher at the time at the time of loss.fa-checkfa-timesfa-times -
1
Theft or attempted theft
You're covered if your car is stolen or damaged as a result of theft or an attempted theft.fa-checkfa-checkfa-times -
1
Fire
You're covered if your car is damaged by fire, including bushfire.fa-checkfa-checkfa-times -
1
Legal liability
We'll cover up to $20 million legal liability for any loss or damage to other people's property arising from the use of your vehicle in Australia.fa-checkfa-checkfa-check -
Claims handled in SA
For your convenience, our call centre and claims department are right here in SA.fa-checkfa-checkfa-check -
Flood
You're covered if your car is damaged as the result of a flood.fa-checkfa-timesfa-times -
Hail
You're covered if your car is damaged due to hail.fa-checkfa-timesfa-times -
New vehicle replacement within 2 years
If you buy a brand new car and it's written off within two years of the initial registration date, we'll replace it with a brand new one.fa-checkfa-timesfa-times -
Malicious damage (such as vandalism)
You're covered if your car is damaged due to malicious damage.fa-checkfa-timesfa-times -
Baby capsules, booster and child seats
We'll cover up to $500 per baby capsule, booster or child seat if it's damaged (and no longer safe) or stolen while it's fitted to your vehicle.fa-checkfa-checkfa-times -
No fault excess
You don't need to pay an excess if, in our opinion, you weren't at fault and you can supply the details of the other party involved.fa-checkfa-checkfa-check -
Traveller's benefit
We'll cover up to $750 for transport and accommodation if you're driving more than 100km from home and unexpectedly you become seriously ill or injured.fa-checkfa-timesfa-times -
Hire car following theft
We'll cover the cost of hiring a similar replacement vehicle for up to 21 days if your car is stolen.fa-checkfa-checkfa-times -
Freedom of choice of repairer
You've got the freedom to choose your own repairer. Limitations apply. Repairs must not be undertaken without prior consent of RAA. RAA may pay cash in lieu or move your Vehicle if your chosen repairer does not meet RAA’s standards for safety, quality, fairness, effectiveness or price.fa-checkfa-checkfa-times -
Repairs guaranteed for life
The repairs arranged by us at an RAA Approved crash repairer are guaranteed for so long as you own and continue to insure that vehicle with us.fa-checkfa-checkfa-times -
Genuine manufacturer parts
We'll authorise repairs with Original Equipment Manufacturer (OEM) parts consistent with age and condition of your car, where appropriate and available.fa-checkfa-checkfa-times -
Taxi home up to $150 after an accident
We'll cover up to $150 for emergency transport, e.g. a taxi, from the scene of an incident to your home or intended destination, if your car is stolen or isn't drivable as a result of the incident.fa-checkfa-timesfa-times -
Trailer cover up to $1500
We'll cover up to $1500 for loss or damage to a trailer if, at the time of the incident involving your car, your trailer was attached to your car.fa-checkfa-timesfa-times -
Towing and storage
If your vehicle is damaged as the result of an insured event, we'll cover the cost of its removal and storage at the nearest repairer or place of safety.fa-checkIf the damage is a result of fire or theftfa-checkfa-times -
Personal effects up to $1000
Where you make a claim for your vehicle, we'll also cover up to $1000 to replace personal effects (excluding money) that are stolen from your vehicle or accidentally damaged as part of the incident.fa-checkfa-timesfa-times -
Emergency repairs
For every claim we accept, we'll cover up to $750 for emergency repairs to your vehicle so you can get it to your destination, the nearest repairer or place of safety after an insured event.fa-checkfa-timesfa-times -
Emergency travel/accommodation
If you're more than 100km from your home and your car has been stolen, or isn't drivable as a result of an insured event, we'll cover up to $750 for emergency travel and overnight accommodation.fa-checkfa-timesfa-times -
Rating 1 for life
If you currently hold a rating 1 (maximum no claim discount), you'll keep this rating while you're insured with RAA at no extra cost.fa-checkfa-timesfa-times -
14 day change of vehicle
When you sell or your replace your car for another car, we’ll cover the new car for up to 14 days.fa-checkfa-checkfa-check -
Flexible excess options
Options available to suit your needs.fa-checkfa-checkfa-check -
Death of a driver
If the driver of your vehicle is 18 years old or over, and is accidentally killed as a result of a motor vehicle accident while driving your vehicle (private use only), we'll pay $5,000 to the estate of the deceased.fa-checkfa-timesfa-times -
Replacement of locks and keys up to $750
We'll cover up to $750 for the replacement of car keys, central locking remote control, and/or recoding of locks if your keys are stolen.fa-checkfa-checkfa-times -
Legal costs
With our prior agreement, we'll cover all legal costs and expenses incurred in defending any civil court proceedings arising from an insured event.fa-checkfa-checkfa-check
We can help with more specialised car insurance options too
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Veteran and Vintage insurance
If you’ve poured your heart and soul into preserving a classic car, it deserves special attention.
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Modified and imported car insurance
If you’re having trouble finding cover for a unique vehicle, contact us about our Hard to Place Car Insurance. -
Hire car
You can add optional hire car cover to your Comprehensive Car Insurance policy.

If you’ve poured your heart and soul into preserving a classic car, it deserves special attention.


You can add optional hire car cover to your Comprehensive Car Insurance policy.
Why choose RAA Car insurance?
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10% multi-policy discount
We give you a 10% discount on each policy when you hold three or more insurance policies with RAA (excluding Travel Insurance) in the same name. -
10% Seniors Card holder discount
Seniors Card holders are entitled to a 10% discount on their car insurance policy. -
We're SA locals
We’re based right here in SA, so you’ll always deal with a local. We’re proud of our commitment to doing more for South Australians.
We're here to help
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Call us
Monday to Friday, 8am to 6pm
Saturday, 9am to 12pm -
Enquire online
Send us a message and we'll contact you -
Find a shop
Drop in and chat face-to-face -
Help centre
Find answers to frequently asked questions, access key documents and more
Things you should know
For details on your rights and benefits as an RAA member, please refer to the Membership Terms and Conditions.