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Ract Insurance Review
Ract Insurance have been a part of the Tasmanian community for over 95 years. Since forming in 1923, they have always had the same purpose – to support the lives of Tasmanians.
Ract do more to help prevent, protect, minimise, overcome and recover from the risks you and our communities face. They will be there when you need them most.
Ract help you make your money stretch further. Ract will use their singular focus to put your best interests at the centre of all their advice and decision making.
They will also help you maximise the things you want to do and minimise the things you have to do. Ract help take care of the latter so you can unlock the former.
How Ract Insurance Works?
Before buying insurance issued by RACT Insurance Pty Ltd (ABN 96 068 167 804, AFS licence 229 076) you should read the Product Disclosure Statement (PDS) and Target Market Determination (TMD) which you can find on their Insurance Documents page.
Why Choose Ract Insurance?
• Manage Your Insurance 24/7
Whether you need to get an insurance quote, submit a claim, update your contact details or view your policy documents, you can do it all online, 24/7.
• Combine And Save
Combine your home, contents and comprehensive car policies and Ract Insurance will give you a discount on your premium.
You will also only have one bill and one payment, making it easier to manage your insurance.
• Award Winning Company
Did you know Ract Insurance have won the Roy Morgan Customer Satisfaction award for General Insurer 5 years in a row? You can rest easy knowing you’re insured with a company that cares.
What You Can Insure With Ract Insurance?
• Ract Boat Insurance
Tasmania is as beautiful by sea as it is by land. Make sure you’re protected both on and off the water. In just a few minutes, your boat could be covered and you can set sail today.
Whether you are cruising up the Derwent or trying to hook some fish on the Tasman Peninsula, Ract have you covered.
What You Got:
• Ract pay up to $10 million, including accidental damage to another person’s property
• If your personal effects are lost or damaged as a result of an incident, Ract will repair or replace them.
• Enjoy navigating around inland and coastal waters, up to 200 nautical miles offshore.
• If you have to take action to clean, dry and oil the motors, Ract will reimburse reasonable costs incurred.
• Including malicious damage, accidental sinking, storm, hail or flood damage.
Why Get Insured?
When you take out boat insurance with Ract, you automatically become a member. You’ll get access to benefits such as discounted eCards for BCF and cheaper fuel at United. Find out more on our Member Rewards page.
• Ract Car Insurance
It’s easy to combine your insurance policies into one portfolio. That means one bill, one bill payment and one renewal, and a much easier way to manage your insurance.
Ract Insurance will also give you a discount on your premium when you combine your home, contents, and comprehensive car policies.
What You Get?
• You have the option of a higher standard excess in return for a reduction in your premium.
• You can combine your car policy with home and contents to save on your premiums.
Ract Investor Insurance
Have you just made your first property investment? Maybe you’ve expanded your portfolio? You could have cover for your investment property in just a few minutes.
What You Got:
• Cover of loss from insured events such as storm, flood, fire and theft.
• Ract will pay up to $20 million to cover costs due to an incident at your investment property.
• If the cost to repair or rebuild your investment property is more than the sum insured, they will pay up to an extra 25%.
• Ract insurance will pay up to $10,000 of the sum insured to repair or replace your fittings, furniture, furnishings and more.
• If you’ve furnished your investment property, you have the option to add extra cover.
• Ract will pay up to 10% of your sum insured to cover loss of rent if an insured event leaves your property unliveable.
• Caravan And Trailer Insurance
Thinking of exploring Tasmania with the family? Maybe you fancy a tour around Australia? You could have cover for your home-on-wheels in just a few minutes.
Whether you’re parked at home or in a caravan park, or touring around the country, we have you covered.
What You Get:
• Ract will pay the agreed value on your current policy schedule if your caravan or trailer is stolen or assessed as a total loss.
• Accidental cover Including insured events such as storm, flood and bushfire.
• If you accidentally damage your caravan or trailer, Ract Insurance will pay up to $500 so that you can safely use or move it.
• Ract will pay up to $20 million for accidental damage to another person’s property.
• They will pay the reasonable costs of transporting your caravan to the nearest repairer if it’s accidentally damaged.
• Ract Insurance will pay up to $1,500 for personal items that are lost or damaged in an accident.
• Ract Home And Content Insurance
It’s easy to combine your insurance policies into one portfolio. That means one bill, one bill payment and one renewal, and a much easier way to manage your insurance.
Ract Insurance will also give you a discount on your premium when you combine your home, contents, and comprehensive car policies.
Whether you’re buying or renting, choose the cover that suits you best. You even have the option to add portable items to your cover, protecting things like your laptop and mobile phone across the whole of Australia and New Zealand.
What You Get:
• Ract pay up to $20 million to cover costs due to an incident at your home under ‘home’ cover, or up to $20 million away from your home under ‘contents’.
• If your keys get stolen when you’re away from home, we’ll pay to re-key or replace the locks.
• If the cost to repair or rebuild your home is more than the sum insured, we’ll pay up to an extra 25%.
• When they replace your contents or rebuild your home, we will do so on a ‘new-for-old’ basis.
• If you can’t live in your home as a result of an insured event, we’ll cover temporary accommodation costs.
• You have the option of a higher standard excess in return for a reduction in your premium.
• Ract Insurance will give you a discount for combining your home and contents policy with a car policy.
• If you’re over 50 and working less than 20 hours a week, we’ll give you a discount on your home and contents premium.
• Ract Strata Insurance
Do you live in a strata unit? Maybe you’re thinking of dipping your toes into strata investment? You could have cover for your strata property in just a few minutes.
When you take out strata insurance with Ract, you automatically become a member. You’ll get access to benefits such as savings at Clennett’s Mitre 10 and discounted eCards for Kmart and Big W.
Wrapping Up On Ract Insurance Quote
Before buying insurance issued by RACT Insurance Pty Ltd (ABN 96 068 167 804, AFS licence 229 076) you should read the Product Disclosure Statement (PDS) and Target Market Determination (TMD) which you can find on their Insurance Documents page.
