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Owned By: RACT (50%) and GIO Insurance Investment Holdings (A Suncorp company) (50%) Underwritten By: RACQ Insurance Limited

In 1905 twelve motorists formed the Automobile Club of Queensland (ACQ). From these humble beginnings the ACQ received its Royal Charter in 1921 and become the Royal Automobile Club of Queensland (RACQ). In 1971 RACQ began to offer insurance and In 1995 they formed a joint venture with GIO Australia. RACQ currently covers 1.8 million policies in Queensland and northern NSW RACQ Insurance is, arguably, the largest provider of motor vehicle insurance in Queensland.

Customers have access to 47 retail outlets, including a network of RACQ branches, agencies and a 24 hour, seven day-a-week call center. RACQ understands that your vehicle can be a big investment, and one you depend on to make life easier. That's why they have a range of motor insurance that is supported by our renowned friendly service, very competitive product and prices, speedy claims service and the 24-hour help line.

Source: RACQ

Years to Rating 1
5 years
20-21 years old
22-24 years old
Licensed <2 years
<25 & Not Nominated
Excess is doubled
Basic Excess
Variable Excess
Yes (only comprehensive)
<19 years old
Remove Excess
19 years old
Rating 1
Rating 2
Rating 3
Rating 4
Not your Fault (no-fault)
No change
Rating 5
Your Fault (at-fault)
Downgrade NCD if you don't hold NCD protection
Rating 6
Zero (0%)
NCD Protection