Hard to Place Car Insurance
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Winner of RFI Global's Most Recommended General Insurer Award 2019-2024 -
Multi-policy holder discounts -
Cover can start immediately with 21 days to pay -
Pay monthly at no extra cost
Insure your modified or imported car
When you own a modified or imported car it can be a real challenge finding insurance. Our Hard to Place Car Insurance provides specialist cover to protect your unique vehicle against some of life's mishaps.
Plus, our insurance policies come with RAA membership, giving you access to a whole world of benefits and savings.
Comprehensive Hard to Place Car Insurance features
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1Summary of benefits
Accidental loss or damage
You’re covered Australia-wide for accidental loss or damage to your vehicle as a result of a storm, fire, flood, hail, collision, malicious damage (such as vandalism) and theft or attempted theft.
Covered Australia-wide -
1
Accidents: other cars and property (Legal liability and costs)
You’re covered for up to $20 million in loss or damage to other people’s cars and property caused by your car in Australia. We'll also cover all legal costs and expenses incurred in defending any civil court proceedings arising from an insured event (with our prior agreement).
Legal liability up to $20 million -
1
Accidents: other people (Legal liability and costs)
You’re covered for $5 million in costs from bodily injury or death of a person caused by your car in Australia. We'll also cover all legal costs and expenses incurred in defending any civil court proceedings arising from an insured event (with our prior agreement).
Legal liability up to $5 million -
1
Claims handled in South Australia
For your convenience, our call centre and claims department are right here in SA.
SA locals -
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$0 excess if you're not at fault
You don't need to pay an excess if, in our opinion, you weren't at fault and you can supply the details of the other party involved.
No excess to pay in some situations -
Traveller's Benefit
We'll cover up to $750 for transport and accommodation if you're driving more than 100km from home and unexpectedly you become seriously ill or injured.
Up to $750 -
Choice of repairer
You can choose a repairer recommended by us, or choose a different repairer who meets our minimum standards. Repairs must not be made without our prior consent. Limits and conditions apply.
Choose from our network of repairers -
Repairs guaranteed for life
The repairs arranged by us at an RAA Approved crash repairer are guaranteed for so long as you own and continue to insure that vehicle with us.
Repairs guaranteed with RAA Approved Repairers -
Taxi home
We'll cover up to $150 for emergency transport, e.g. a taxi, from the scene of an incident to your home or intended destination, if your car is stolen or is not drivable as a result of the incident.
Up to $150 -
Towing and storage
If your vehicle's damaged as a result of an incident, we'll cover the cost of its removal and storage at the nearest repairer or place of safety.
Some removal and storage costs -
Personal effects
Where you make a claim for your vehicle, we'll also cover up to $1,000 to replace personal effects (excluding money) that are stolen from your vehicle, or accidentally damaged as part of the incident.
Up to $1,000 -
Emergency repairs
We'll cover up to $750 for emergency repairs to your vehicle for every claim we accept, so you can get it to your destination, the nearest repairer or place of safety after an incident.
Up to $750 -
Emergency travel/accommodation
If you're more than 100km from your home and your vehicle's been stolen, or isn't drivable as a result of an incident, we'll cover up to $750 for emergency travel and overnight accommodation.
Up to $750 in certain situations -
Rating 1 for life
If you currently hold a rating 1 (maximum insurance rating), you'll keep this rating while you're insured with RAA at no extra cost.
No extra to keep your rating 1 -
Flexible excess options
Options available to suit your needs.
Choose your excess -
14 day change of vehicle cover
When you sell or replace your car for another car, we’ll cover the new car for up to 14 days.
Transfer cover to a new car for up to 14 days -
Theft of keys
We'll cover up to $1,000 for the replacement of car keys, central locking remote control, and/or recoding of locks if your keys are stolen.
Up to $1,000 following theft of keys -
Hire car following theft
We'll cover the cost of hiring a replacement vehicle for up to 21 days if your car is stolen.
Up to 21 days -
Recovery costs following theft
We’ll cover the transport costs, as agreed by us, for returning your vehicle if recovered following a theft.
Some vehicle transport costs after theft -
Baby capsule, booster and child seats
We'll cover a baby capsule, booster or child seat if it is damaged (and no longer safe) or it's stolen while it's fitted to your vehicle.
Replacement value -
Death of a driver
If the driver of your vehicle is accidentally killed as a result of a motor vehicle accident (private use only), we'll pay $5,000 to the estate of the deceased driver. If the driver under 18 years of age, we'll pay their legal guardian.
$5,000 paid
Comprehensive Hard to Place Car Insurance features
Use the drop-down menus to compare options
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1Summary of benefits
Accidental loss or damage
You’re covered Australia-wide for accidental loss or damage to your vehicle as a result of a storm, fire, flood, hail, collision, malicious damage (such as vandalism) and theft or attempted theft.
Covered Australia-wide -
1
Accidents: other cars and property (Legal liability and costs)
You’re covered for up to $20 million in loss or damage to other people’s cars and property caused by your car in Australia. We'll also cover all legal costs and expenses incurred in defending any civil court proceedings arising from an insured event (with our prior agreement).
Legal liability up to $20 million -
1
Accidents: other people (Legal liability and costs)
You’re covered for $5 million in costs from bodily injury or death of a person caused by your car in Australia. We'll also cover all legal costs and expenses incurred in defending any civil court proceedings arising from an insured event (with our prior agreement).
Legal liability up to $5 million -
1
Claims handled in South Australia
For your convenience, our call centre and claims department are right here in SA.
SA locals -
1
$0 excess if you're not at fault
You don't need to pay an excess if, in our opinion, you weren't at fault and you can supply the details of the other party involved.
No excess to pay in some situations -
Traveller's Benefit
We'll cover up to $750 for transport and accommodation if you're driving more than 100km from home and unexpectedly you become seriously ill or injured.
Up to $750 -
Choice of repairer
You can choose a repairer recommended by us, or choose a different repairer who meets our minimum standards. Repairs must not be made without our prior consent. Limits and conditions apply.
Choose from our network of repairers -
Repairs guaranteed for life
The repairs arranged by us at an RAA Approved crash repairer are guaranteed for so long as you own and continue to insure that vehicle with us.
Repairs guaranteed with RAA Approved Repairers -
Taxi home
We'll cover up to $150 for emergency transport, e.g. a taxi, from the scene of an incident to your home or intended destination, if your car is stolen or is not drivable as a result of the incident.
Up to $150 -
Towing and storage
If your vehicle's damaged as a result of an incident, we'll cover the cost of its removal and storage at the nearest repairer or place of safety.
Some removal and storage costs -
Personal effects
Where you make a claim for your vehicle, we'll also cover up to $1,000 to replace personal effects (excluding money) that are stolen from your vehicle, or accidentally damaged as part of the incident.
Up to $1,000 -
Emergency repairs
We'll cover up to $750 for emergency repairs to your vehicle for every claim we accept, so you can get it to your destination, the nearest repairer or place of safety after an incident.
Up to $750 -
Emergency travel/accommodation
If you're more than 100km from your home and your vehicle's been stolen, or isn't drivable as a result of an incident, we'll cover up to $750 for emergency travel and overnight accommodation.
Up to $750 in certain situations -
Rating 1 for life
If you currently hold a rating 1 (maximum insurance rating), you'll keep this rating while you're insured with RAA at no extra cost.
No extra to keep your rating 1 -
Flexible excess options
Options available to suit your needs.
Choose your excess -
14 day change of vehicle cover
When you sell or replace your car for another car, we’ll cover the new car for up to 14 days.
Transfer cover to a new car for up to 14 days -
Theft of keys
We'll cover up to $1,000 for the replacement of car keys, central locking remote control, and/or recoding of locks if your keys are stolen.
Up to $1,000 following theft of keys -
Hire car following theft
We'll cover the cost of hiring a replacement vehicle for up to 21 days if your car is stolen.
Up to 21 days -
Recovery costs following theft
We’ll cover the transport costs, as agreed by us, for returning your vehicle if recovered following a theft.
Some vehicle transport costs after theft -
Baby capsule, booster and child seats
We'll cover a baby capsule, booster or child seat if it is damaged (and no longer safe) or it's stolen while it's fitted to your vehicle.
Replacement value -
Death of a driver
If the driver of your vehicle is accidentally killed as a result of a motor vehicle accident (private use only), we'll pay $5,000 to the estate of the deceased driver. If the driver under 18 years of age, we'll pay their legal guardian.
$5,000 paid
Why choose Hard to Place Insurance with RAA?
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10% multi-policy discount
We give you a 10% discount on each policy when you hold three or more insurance policies with RAA (excluding Travel Insurance) in the same name. Discounts do not apply to optional benefits or statutory charges. A minimum premium applies. Discounts to your existing insurance policies will be applied at the next renewal of each policy. -
Pay monthly at no extra cost
You can choose to pay monthly or annually, with no additional cost if you choose monthly direct debit. -
We’re SA locals
We’re based right here in SA, so you’ll always deal with a local. We’re proud of our commitment to doing more for South Australians.
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It's better to be a member
RAA members can receive discounts on shopping and entertainment with RAA Rewards, enter exclusive competitions and access member-only services.
Plus, we love to reward our loyal members with savings on select policies and products.
We're here to help
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Call us
Monday to Friday, 9am to 5pm -
Enquire online
Send us a message and we'll contact you -
Find a shop
Drop in and chat face-to-face -
Help centre
Access important documents and more
Things you should know
The information included in this website and in our brochures is a summary and is intended as a guide only. Each section should be read subject to the full terms, conditions and exclusions as set out in the relevant Product Disclosure Statements (PDS) and Target Market Determinations (TMD). RAA Insurance products are issued by RAA Insurance Limited, ABN 14 007 872 602, AFS Licence No. 232525.
Read the General Insurance Code of Practice and our complaint policy for further information about your rights.
For details on your rights and benefits as an RAA member, please refer to the Membership Terms and Conditions. Find out how we support our vulnerable members.