RAA home insurance benefits are pretty unique. You automatically become an RAA member and get access to extra benefits, from Big W discounts to money off AFL merch.
RAA home insurance comes with lots of discounts, including a 10% multi-policy discount, 10% seniors discounts and you can pay monthly at no extra cost – lots of other insurers we looked at charge you more for this.
It's not for everyone – you can only get a policy if you live in South Australia.
Sorry! We currently don't have this brand on our panel. But don't fret, you can head to the RAA home insurance website or compare a bunch of other home insurance companies with Finder.
You can get 3 different policy types. RAA offers home insurance, contents insurance and a combined home and contents insurance policy. To add to that, RAA also offers landlord and short stay insurance.
Some main events covered by RAA home insurance include:
RAA home insurance is issued by RAA Insurance Limited. It offers customers a choice of excess amount, a cooling-off period of 21 days and the option to pay monthly at no additional cost.
Here's the rundown of an RAA home insurance policy
These are some standard features that you can claim if an insured event causes loss or damage.
Accidental breakage of glass and sanitary fixtures
Credit card or ATM fraud
Motor burnout
Moving address
Replacement of locks
Spoilage of food
Sum insured safety net of 10%
Temporary accommodation
Optional add-ons
RAA also offers more optional add-ons than many other insurers. Some of these features include:
Accidental damage
Fixtures and fittings
Pet cover
Premium Choice Home Benefit
Specified items outside the home
Specified items inside the home
Exclusions
RAA's general exclusions look similar to other home insurance providers. Your home insurance claim will not be paid for:
Acts or omissions while under the influence
Actions of the sea
Asbestos
Defects including faulty workmanship or design
Earth movement including erosion or landslide
Electronic information
Vermin and other animals
Wear, tear or deterioration
Make sure you read RAA's Product Disclosure Statement for a more detailed breakdown of what's not covered. You can also head to general exclusions for more information.
Here's some information on RAA home insurance complaints
We reviewed some of the latest complaints data from the Australian Financial Complaints Authority (AFCA) between July 2020 and June 2021. This data looks at how different underwriters respond to and resolve complaints.
Here are some things we noticed about RAA home insurance:
RAA is considered a medium-sized firm but it does have a relatively high number of complaints when compared to others of its size.
This is the same case with AIG; however, you can see that RAA has a higher percentage of claims that were resolved directly with its customers.
This is the bottom line about RAA
RAA home insurance comes with a stack of included benefits along with many chances to save on your premium. Plus, your policy comes with an RAA membership so you can take advantage of the many discounts and rewards for policyholders.
The downsides? One big one is that you need to live in South Australia to get a policy. If this doesn't sound like the one for you, you can compare other home insurance brands side by side so that you end up with a policy you're happy with.
Frequently asked questions
If an event occurs that will lead to a claim, contact RAA as soon as possible to report the incident. You can do so over the phone or online via the RAA website.
Any theft, burglary or malicious damage should be reported to the police immediately, while you should also make sure not to admit any fault or liability.
You will need to allow around 10 minutes to report a claim and should have the following information handy:
Your policy details
The details and contact information of anyone else involved
The police report number (if applicable)
Yes, all RAA home and contents insurance policies include flood cover as well as storm surge.
No, your premium amount will not be affected by any claims.
Yes, RAA's contents insurance covers your contents while they're temporarily at another residential address or storage facility. The cover is capped at 10% of your sum insured. You can also add accidental damage cover or RAA's specified items outside the home cover for additional coverage around Australia and worldwide.
Leave an RAA home insurance review
If you've held, or currently hold, an RAA home insurance policy, we'd love to hear from you. Your reviews help other Australians decide if RAA is right for them. Some reviews are from a survey commissioned by Finder.
Cristal Dyer is a travel writer at Finder. She has been writing about travel for over five years and has visited over 40 countries around the world. Cristal currently travels full-time, writing about her favourite cities and food finds, and she is always on the lookout for amazing flight deals to share. See full bio
A home insurance calculator can give you a rough estimate on the value of your home and contents. But is that what you really want? Find out how to not underinsure or overinsure your home.
Motor burnout covers those big appliances in your home in the event that they let you down. This article will show you what it is, why it's important and how much it can cost you.
Can I ask for cash instead off store voucher when making a claim on jewellery
Finder
JohnMarch 27, 2019Finder
Hi M,
Thank you for reaching out to Finder.
Depending on the settlement of the claim, you may request this directly to the company representative if it is possible to have the claim converted into cash instead. Hope this helps!
Cheers,
Reggie
How likely would you be to recommend Finder to a friend or colleague?
0
1
2
3
4
5
6
7
8
9
10
Very UnlikelyExtremely Likely
Required
Thank you for your feedback.
Our goal is to create the best possible product, and your thoughts, ideas and suggestions play a major role in helping us identify opportunities to improve.
Important information about this website
Finder makes money from featured partners, but editorial opinions are our own.
Finder is one of Australia's leading comparison websites. We are committed to our readers and stand by our editorial principles
We try to take an open and transparent approach and provide a broad-based comparison service. However, you should be aware that while we are an independently owned service, our comparison service does not include all providers or all products available in the market.
Some product issuers may provide products or offer services through multiple brands, associated companies or different labeling arrangements. This can make it difficult for consumers to compare alternatives or identify the companies behind the products. However, we aim to provide information to enable consumers to understand these issues.
We make money by featuring products on our site. Compensation received from the providers featured on our site can influence which products we write about as well as where and how products appear on our page, but the order or placement of these products does not influence our assessment or opinions of them, nor is it an endorsement or recommendation for them.
Products marked as 'Top Pick', 'Promoted' or 'Advertisement' are prominently displayed either as a result of a commercial advertising arrangement or to highlight a particular product, provider or feature. Finder may receive remuneration from the Provider if you click on the related link, purchase or enquire about the product. Finder's decision to show a 'promoted' product is neither a recommendation that the product is appropriate for you nor an indication that the product is the best in its category. We encourage you to use the tools and information we provide to compare your options.
Where our site links to particular products or displays 'Go to site' buttons, we may receive a commission, referral fee or payment when you click on those buttons or apply for a product.
When products are grouped in a table or list, the order in which they are initially sorted may be influenced by a range of factors including price, fees and discounts; commercial partnerships; product features; and brand popularity. We provide tools so you can sort and filter these lists to highlight features that matter to you.
Please read our website terms of use and privacy policy for more information about our services and our approach to privacy.
We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.
Can I ask for cash instead off store voucher when making a claim on jewellery
Hi M,
Thank you for reaching out to Finder.
Depending on the settlement of the claim, you may request this directly to the company representative if it is possible to have the claim converted into cash instead. Hope this helps!
Cheers,
Reggie