RAA Car Insurance Review | Cover in South Australia | Savvy

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RAA is one of South Australia’s popular car insurers with a range of policies on offer. Read our review to learn more about its products!

Written by , updated on February 16th, 2024

The Royal Automobile Association of South Australia (RAA) is a reputable automobile club in South Australia, offering a comprehensive range of services to its members, including insurance coverage. With more than 800,000 members throughout the state, RAA is a trusted choice for drivers seeking peace of mind when on the road.

We break down RAA’s products in our review so you can understand what their car insurance options are. Find out what is and isn’t covered and the optional extras you can add today!

Disclaimer: all coverage offered by RAA is subject to the terms and conditions of your policy. Limits and exclusions apply. Please refer to your Product Disclosure Statement (PDS) or contact RAA if you’re unsure about what is and isn’t covered.

Please note that Savvy does not represent RAA for its car insurance products. All listed policies, inclusions and limits are correct as of June 2023.

What car insurance policies are available through RAA?

RAA offers the following types of car insurance to South Australian drivers:

Comprehensive Car Insurance

Third Party Property, Fire and Theft Car Insurance

Third Party Property Insurance

Comprehensive Car Insurance

Comprehensive car insurance offers the most extensive cover of the different types of insurance. RAA’s Comprehensive Car Insurance offers the following inclusions:

Coverage for loss or damage to your vehicle caused by accidents, fire, flood, hail, malicious damage, storm and theft
Coverage for legal liability for damage to other people’s property as a result of an incident involving your vehicle, up to $20 million
Coverage for legal liability for death or bodily injury using your vehicle, up to $5 million
A temporary replacement vehicle for 14 days after selling or disposing of your car
Reimbursement for the cost of baby capsules or child seats damaged or stolen in a covered incident
Lifetime repair guarantee
Choice of repairer
Deceased driver cover, up to $5,000
Reimbursement for emergency repairs, up to $750
Emergency travel and accommodation costs up to $750 if you are stranded more than 100km from home
Hire car up to $65 per day for up to 21 days if your insured vehicle is stolen and not recovered
Lifetime and new vehicle replacement, subject to conditions
Personal belongings that are damaged or stolen from your insured vehicle, up to $1,000
Car key replacement after theft, up to $1,000
Towing and storage after an incident
Unlimited windscreen, window or roof glass repairs or replacement, with no excess payable for claims

Third Party Property, Fire and Theft Car Insurance

This type of cover is a step down from comprehensive. Although it doesn’t come with cover for accidental damage to your vehicle, it does include protections against damage sustained due to theft, attempted theft and fire, as well as damage to other vehicles and property. RAA’s policy offers the following inclusions:

Loss or damage to your car as a result of fire, theft or attempted theft
Cover for your legal liability for loss or damage to third-party property resulting from the use of your vehicle, trailer or caravan, up to $20 million
Cover for your legal liability in case of death or bodily injury to any person resulting from the use of your vehicle, up to a maximum of $5 million
Coverage for a replacement vehicle for 14 days after selling or disposing of your vehicle
Choice of repairer
All legal costs and expenses reimbursed for an incident covered by the policy, with prior agreement
Lifetime guarantee on repairs
Cover for damage you cause to other people's property while driving an uninsured substitute vehicle, up to $20 million
Cover for damage to your vehicle caused by an uninsured driver of an uninsured vehicle, up to $3,000
Replacement baby capsule, booster or child seat if it is damaged or stolen while fitted to your vehicle
Hire car for up to 21 days if your vehicle is stolen, up to $65 per day up to a maximum of 21 days
Replacement car keys after theft, up to $1,000
Transport cover for the return of your vehicle if it is recovered following theft
The cost of towing and storing your vehicle until repairs can be made after a covered incident

Third Party Property Insurance

The most basic form of optional car insurance in Australia, RAA’s Third Party Property Insurance is designed to cover damage caused to other people’s property, rather than to your own vehicle. The policy offers the following inclusions:

Coverage for any legal liability you may face due to property damage caused by your vehicle, trailer or caravan, up to $20 million
Coverage for legal liability for death or bodily injury to any person arising from the use of your vehicle, up to $5 million
A replacement vehicle for a period of 14 days after you sell or dispose of your current vehicle
Choice of repairer
Reimbursement of all legal costs and expenses you incur in relation to an incident covered by the policy, with prior agreement
Lifetime repair guarantee
Cover for your legal liability for loss or damage to other people's property while driving an uninsured substitute vehicle, up to $20 million
Cover for damage to your vehicle caused by an uninsured driver/ vehicle, up to $3,000

Are there any optional extras available through RAA?

Yes – under RAA’s Comprehensive Car Insurance policy, the following optional cover is available:

Hire car:
- Covers the costs of a loan car from the repairer, up to $30 per day for a maximum of 14 days or until the day after repairs are completed
- After an incident, pays up to $65 per day for a maximum of 14 days or until the day after repairs are completed, or until 2 days after you receive advice that your claim has been settled

What are some of the pros and cons of buying car insurance through RAA?

Lifetime vehicle replacement: if your car is written off, RAA will replace your vehicle with a brand new one.
Unlimited windscreen repair and replacement: RAA will repair or replace unlimited windscreen, window or roof glass damage, with no excess for breakage claims.
Lifetime guarantee on repairs: guaranteed repairs as long as you own and continue to insure your vehicle with RAA.
Generous personal effects cover: you can get up to $1,000 to replace personal effects stolen from your vehicle or accidentally damaged in an incident.

Limited hire car provision: unless your car is stolen, car hire after an incident is only covered as an optional extra.
Limited optional extras: only one optional extra is available on comprehensive policies, relating to car hire.

Common questions about RAA car insurance

Can I get RAA car insurance if I live outside South Australia?

No – RAA is a South Australia-based organisation that only insures South Australia residents. However, if you live in South Australia and take out cover with RAA, you will be covered for interstate travel in Australia.

Does RAA offer CTP insurance?

No – RAA does not offer Compulsory Third Party (CTP) insurance. In South Australia, there are five providers of CTP insurance, which are approved by the government: AAMI, Allianz, NRMA, QBE and Youi.

Does RAA have any specialised car insurance options?

Yes – on top of its standard car insurance options, RAA also offers:

Veteran and Vintage car insurance for vintage and classic vehicles
Hard to Place car insurance for modified and imported cars

You can also get motorcycle, caravan and trailer cover through RAA.

Does RAA offer roadside assistance?

Yes – RAA’s Road Service can be purchased separately to its car insurance policies. It offers three levels of cover – Standard, Plus and Premium – depending on your requirements, and provides Australia-wide coverage.

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Savvy (ABN 78 660 493 194, ACR 541 339) provides readers with a variety of car insurance policies to compare. Savvy earns a commission from our partnered insurers each time a customer buys a car insurance policy via our website. All purchases are conducted via our partners’ websites. The integrity of our comparison service is unaffected by our partnerships with those businesses and our effort remains to bring further brands that do not already use our comparison service onboard.

Savvy’s comparison service includes selected products from a panel of trusted insurers and does not compare all products in the market. Any advice presented above or on other pages is general in nature and doesn’t consider your personal or business objectives, needs or finances. It’s always important to consider whether advice is suitable for you before purchasing an insurance policy. We always recommend readers to consult the Product Disclosure Statement (PDS) of different policies before purchasing your car insurance.

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Disclaimer and important things you should know

Quantum Savvy Pty Ltd (ABN 78 660 493 194) trades as Savvy and operates as an Authorised Credit Representative 541339 of Australian Credit Licence 414426 (AFAS Group Pty Ltd, ABN 12 134 138 686). We are one of Australia’s leading financial comparison sites and have been helping Australians make savvy decisions when it comes to their money for over a decade.

We’re partnered with lenders, insurers and other financial institutions who compensate us for business initiated through our website. We earn a commission each time a customer chooses or buys a product advertised on our site, which you can find out more about here, as well as in our credit guide for asset finance. It’s also crucial to read the terms and conditions, Product Disclosure Statement (PDS) or credit guide of our partners before signing up for your chosen product. However, the compensation we receive doesn’t impact the content written and published on our website, as our writing team exercises full editorial independence.

For more information about us and how we conduct our business, you can read our privacy policy and terms of use.