Frequently asked questions
General
Cover
Claims
Getting a quote
Scheduled maintenance: Until 12:30am, Thursday 27 March, some online services may be unavailable. Thanks for your patience.
If the amount you insure your home for (the sum insured) isn’t adequate, you may be out of pocket if there’s damage to your property. Our Sum Insured Calculator is a handy starting point and could help you work out the cost of replacing your home in the case of a total loss. The calculator is not suitable for homes covered by strata.
This calculator is a guide only, does not constitute personal advice and won’t take into account individual circumstances or preferences. We recommend getting expert advice to determine an adequate replacement sum insured for your insured property.If the amount you insure your contents for (the sum insured) isn’t adequate, you may be out of pocket if there’s damage to them. We suggest thinking about how much it would cost to replace your contents. Contents are things in your home that aren’t fixed to the house.
For example, if someone tipped your house upside down, all the things that’d fall out are considered contents. Other things like carpet and floating floors are also considered contents.
See the PDS for more details.
Yes, you can change your Basic Excess at any time. Please note, changes to your Basic Excess will impact your premium.
RAA's Home and/or Contents policies automatically cover you for flood or fire. However, there are some exceptions, including waiting periods. Please refer to our PDS.
RAA’s contents insurance covers your jewellery if it's stolen or damaged at the home for insured events. A single piece of jewellery is covered for up to $5,000, with an overall limit of $10,000 for all jewellery. If you have jewellery that’s worth more than that, you’ll need request to add it to your policy as a specified item.
Our contents insurance includes cover for your contents while they’re temporarily removed from your home to another residential address or storage facility. This cover is capped at 10% of the sum insured.
We also have two kinds of optional cover you can choose to protect your valuables if they’re accidentally lost, stolen or damaged while away from home.
To add either of these covers to your insurance policy, call us on 8202 4567.
Don’t fret. We’ll cover the cost of temporary accommodation for up to 12 months while your home is being repaired. Some caps and limits apply, and they're set out in our PDS.
Contents insurance covers you for food and medicine spoilage caused by the burnout of a fridge motor or an unexpected power blackout, up to $500. We’ll try our best to fast-track these claims when they come up, so you’re not left hanging – and hungry.
You can lodge your claim online through the My Account portal, or you can call us on 8202 4575. All claims are handled right here in SA and you’ll always talk to a local.
To give you a quote there’s a few things we’ll need from you, including:
For more information about what else we’ll need to know, call us on 8202 4567 or get a quote online.