RAA

What RAA does

RAA (Royal Automobile Association of South Australia) is a member-owned, non-profit mutual organization founded in 1903 and headquartered in Mile End, Adelaide, serving more than 800,000 South Australian members across motor, home, and travel verticals. The company's foundational product is a three-tier Road Service subscription (Standard at A$135/year, Plus at A$214/year, Premium at A$293/year) providing 24/7 Australia-wide roadside assistance delivered through a fleet of 350+ patrol vehicles attending roughly 900 breakdowns daily, complemented by car and home insurance distributed under binder arrangements with underwriters (Allianz South Australia Insurance Ltd for home and motor following the July 2025 divestiture of the in-house insurer, and Tokio Marine for travel insurance), a driving school positioned as Adelaide's largest, EV charging infrastructure (RAA Charge — South Australia's largest public network, integrated with Chargefox), solar and battery installation services, and a full-service travel agency (RAA Travel).

RAA monetizes across subscription membership fees (auto-conferred upon Road Service or qualifying purchase), insurance commissions via binder arrangements, referral commissions on home-maintenance trade services, hardware margins on solar installations, driving school fees, travel booking commissions, and energy retail through the RAA Energy subsidiary. Distribution combines a digital-first model (website at raa.com.au, myRA mobile app providing real-time fuel price mapping, membership cards, EV station location, and account management), a physical retail footprint of 18+ RAA Shops across metro Adelaide and regional centres, 24/7 phone sales, and a field sales team for solar and commercial EV charging installations.

RAA has 1,001-5,000 employees and pursues a multi-product bundling strategy that rewards tenure and cross-product holding through loyalty discounts (up to 10% multi-policy insurance discount, 10c/litre fuel savings at participating SA stations), with customer segments concentrated almost entirely in South Australia with national coverage via inter-club motoring partnerships. Recent strategic activity centers on expanding EV-related services (RAA Charge public network, home EV charger installation, commercial EV charging for fleets), entering residential solar and battery storage with Plenti financing, and divesting the balance-sheet insurance underwriting business to Allianz while retaining brand-led distribution — a pivot toward capital-light, member-ecosystem monetization.

Name

RAA

Legal name

Royal Automobile Association of South Australia Limited

Website

https://raa.com.au

Company type

Private

Founded year

1903

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

RAA is a member-owned South Australian mutual founded in 1903, serving 800,000+ members with Road Service subscriptions, auto and home insurance under binder, travel services, EV charging, and solar installation via digital, physical retail, and patrol channels.

Ownership category

akta.pro rank

Product category

Membership-based Motoring and Insurance Services

NAICS

Automotive Mechanical and Electrical Repair and Maintenance (81111)

SIC

Services-Automotive Repair, Services & Parking (7500)

akta.pro primary industry

Roadside Assistance & Towing Memberships (Bundled with Service Contracts) (FSAJALAL)

Keywords

• Roadside assistance services
• Motor vehicle insurance
• Travel insurance agency
• Driving school services
• EV charging network

Headquarters

HQ city

Mile End

HQ country

Australia

HQ region

Oceania

Offices3 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Supply Chain, Technology or R&D, Marketing or Sales

Revenue model

1. Road Service Subscriptions: Three-tier personal roadside assistance subscription model (Standard, Plus, Premium) with monthly or annual billing. Premium tier at $293/year is flagship product.
2. Insurance Products: Motor, home, travel, and specialty vehicle insurance underwritten by Allianz SA. RAA acts as agent issuing policies under binder arrangement. Commission-based revenue model.
3. Travel Services: RAA Travel bookings and travel insurance distribution. Insurance underwritten by Tokio Marine; RAA earns commission as authorized representative.
4. Trade Assist Services: Home maintenance referral service connecting members with licensed tradies. Commission from contracted service providers. Exclusive to members.
5. Solar and Battery Sales: Residential and commercial solar panel and battery storage installations. RAA earns margin on equipment and installation services.
6. Driving School Services: Driving lessons, practice tests, and fleet safety training for learners, experienced drivers, and businesses.

Pricing tiers

Go-to-market motion2 records

Distribution channels6 records

Marketing channels6 records

Core offering

RAA provides roadside assistance subscriptions (Standard, Plus, Premium tiers) along with motor, home, landlord, travel and other-vehicle insurance, travel booking services, EV charging through the RAA Charge network, driving school instruction, solar and battery installations, and trade referral services to its 800,000+ South Australian members. Purchasing Road Service or insurance automatically confers RAA membership, supported by 350+ patrol vehicles, 18+ RAA Shops, and the myRA mobile app ecosystem.

Product overview

RAA (Royal Automobile Association of South Australia) is a membership-based organization offering a multi-product portfolio organized around five core pillars: Motor (Road Service, Car Insurance, Other Vehicle Insurance, Driving School, Motoring Services), Home (Home Insurance, Landlord Insurance, Trade Assist, Solar and Battery Storage), Travel (Travel Insurance and RAA Travel bookings), EV Services (RAA Charge public charging network and Home EV Chargers), and Membership Benefits (RAA Rewards, My Account portal, and the myRA mobile app). Road Service is the foundational membership product — purchasing any Road Service or insurance policy automatically confers RAA membership. The insurance portfolio is split between two underwriters: Allianz South Australia Insurance Ltd underwrites home and motor insurance, while Tokio Marine underwrites travel insurance. The myRA app serves as the primary digital access point across all products, integrating real-time fuel pricing, Road Service booking, digital membership cards, and EV charging station location.

Differentiator

Problem solved

Functional benefit

Brands

• RAA Charge: SA's largest electric vehicle charging network providing public EV charging stations across South Australia.
• sa move
• RAA Daily

Products and services

• RAA Road Service 24/7 Australia-wide roadside assistance available in three tiers (Standard, Plus, Premium) covering breakdown call-outs, towing, battery service, emergency fuel, tyre changes, and lockout assistance. All tiers cover electric vehicles with no extra cost.
• RAA Car Insurance Motor vehicle insurance available in four levels: Premium Comprehensive, Standard Comprehensive, Third Party Fire & Theft, and Third Party. Covers accidents, theft, fire, hail, storm, flood, windscreen damage, hire car, and legal liability up to $20 million. Underwritten by Allianz South Australia Insurance Ltd.
• RAA Home Insurance Home and contents insurance covering three types: Home and Contents Insurance (combined), Home Building Insurance (standalone), and Contents Insurance (standalone). Covers fire, flood, storm, temporary accommodation, and legal liability. Underwritten by Allianz South Australia Insurance Ltd.
• RAA Landlord and Short Stay Insurance Insurance for permanent rental and short-stay properties covering building, rental furnishings, or both. Includes cover for tenant damage, loss of rent (6-52 weeks), legal liability up to $20 million, and malicious damage by tenants.
• RAA Other Vehicle Insurance Insurance products for motorcycles, caravans, trailers, boats, and mobility scooters. Covers loss, damage, theft, fire, flood, hail, and malicious damage.
• RAA Travel Insurance Flexible travel insurance for domestic and international travel with 24/7 emergency assistance. Underwritten by Tokio Marine & Nichido Fire Insurance Co., Ltd.
• RAA Charge (EV Charging Network) SA's largest public electric vehicle charging network operated by RAA. Accessible via the Chargefox app with AC and DC charging sites across South Australia. RAA members receive a 10% discount on charging fees.
• RAA Home EV Chargers Home electric vehicle charging installation service. RAA's home energy consultants help select and install a home charging system suited to driving habits and EV type.
• RAA Driving School Adelaide's largest driving school offering log book lessons, VORT lessons, refresher courses, caravan/trailer towing courses, international licence conversion, and fleet safety training. Instructors are accredited.
• RAA Trade Assist Member-exclusive service connecting users with licensed, local tradies for plumbing, electrical, air conditioning, roof repair, carpentry, and general maintenance. Available in metropolitan Adelaide, Adelaide Hills, Barossa Valley, and Fleurieu Peninsula. Backed by a 12-month warranty.
• RAA Solar and Battery Storage Solar panel and battery storage installation service offering Essentials and Premium solar packages (6.6kW systems), Tesla Powerwall and Alpha ESS batteries, and commercial solar solutions. Includes 5-year installation warranty and product warranties up to 25 years.
• RAA Travel Full-service travel agency offering flights, accommodation, holiday packages, tours, train journeys, cruises, and car hire bookings, operated via travel.raa.com.au.
• RAA Road Service for Business Three business Road Service options: Fleet Road Service (annual fee per vehicle), Fee For Service (pay-as-you-go), and Taxi Road Service (annual fee per vehicle). Covers company vehicles regardless of who is driving.
• RAA Commercial EV Charging Business-oriented EV charging solutions including fleet electrification support, workplace charging installation, and hosting of public charging sites with custom products and solutions.
• RAA Rewards Member loyalty program offering discounts on fuel (10 cents per litre at participating SA stations, 4 cents interstate), dining, shopping, cinema, and entertainment at partner locations across South Australia.

Quantifiable outcome

• Save 10 cents per litre on fuel at participating SA stations
• +2 more outcomes

Named customers4 records

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration7 records

Feature3 records

Partnerships

Nine partnerships are on record, tiered core, secondary and supporting.

• Allianz South Australia Insurance LtdcoreStrategic or Co-development Partner · 1 July 2025On 1 July 2025, Allianz Australia Insurance Limited acquired RAA Insurance Limited. Allianz SA now underwrites RAA home and motor insurance policies with the RAA brand. RAA issues policies under binder from Allianz SA. RAA Roadside Assistance, RAA Travel, and RAA Energy are not part of this change.
• Tokio Marine & Nichido Fire Insurance Co., Ltd.coreStrategic or Co-development PartnerUnderwriter for RAA Travel Insurance products. Tokio Marine Management (Australasia) Pty Ltd administers RAA Travel Insurance as managing agent on behalf of Tokio Marine.
• ChargefoxcoreTechnology or IntegrationRAA Charge EV charging network integrated with Chargefox app for site location, navigation, and payment processing. RAA members receive 10% discount on charging fees.
• TeslasecondaryTechnology or IntegrationTesla Powerwall battery products offered as part of RAA solar and battery storage solutions.
• Trina SolarsecondaryTechnology or IntegrationTier 1 solar panel supplier for RAA solar packages. Trina panels include 25-year manufacturer's warranty and 30-year performance warranty.
• FroniussecondaryTechnology or IntegrationPremium inverter supplier for RAA solar packages. European-designed inverters with extendable 10-year warranty.
• Alpha ESSsecondaryTechnology or IntegrationBattery storage brand offered alongside Tesla Powerwall in RAA solar and battery solutions.
• SA Power NetworksupportingOthersElectricity network operator required for grid connection approval of solar installations. RAA arranges grid connection on behalf of customers.
• Various Retail and Hospitality PartnerssecondaryChannel Partner/ Reseller/ DistributorRAA Rewards program partners offering member discounts on fuel, dining, shopping, cinema, and entertainment across South Australia.

Scale indicators7 records

Recent moves7 records

Expansion highlights5 records

Direct peers

• RACT: Royal Automobile Club of Tasmania — Tasmania's motoring organization offering roadside assistance, insurance, travel, and member benefits. Direct peer in a similarly small regional market.
• RAC WA: Royal Automobile Club of Western Australia — WA motoring club with roadside, insurance, and member services. Direct geographic-peer and product analog.
• NRMA: National Roads and Motorists' Association — Australia's largest motoring club serving NSW/ACT with a similar multi-product portfolio (roadside, insurance, travel, home services). Most direct operational comparable to RAA.
• RACV: Royal Automobile Club of Victoria — Victorian motoring club with roadside assistance, insurance, travel, and home services. Closest portfolio analog to RAA in a larger state market.
• RACQ: Royal Automobile Club of Queensland — Queensland motoring club with roadside, insurance, travel, and member services. Direct mutual-club peer with comparable subscription model.

Broad incumbents

• AGL Energy: Major Australian energy retailer and solar installer. Direct competitor to RAA's solar and battery business and adjacent to RAA Energy retail offering.
• Allianz Australia: Major Australian general insurer and now RAA's underwriting partner post the 2025 acquisition of RAA Insurance Limited. Comparable in product set (home, motor, travel insurance) and a counterparty to RAA's commission stream.
• AAMI: Suncorp-owned direct-to-consumer general insurer in Australia offering motor, home, and travel insurance. Competes with RAA's insurance distribution, particularly for digital-native younger customers.
• AAA (American Automobile Association): US national federation of automobile clubs providing roadside, insurance, travel, and member services. International comparable to RAA's mutual club business model at vastly greater scale.

Others

• Chargefox: Australia's largest EV charging network operator. Direct technology/integration partner for RAA Charge and a benchmark for EV charging scale economics relevant to RAA's EV strategy.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks7 records

Key highlights7 records

Customer concentration

• Xx.com/raaofsa
• YouTubeyoutube.com/channel/UCKlZ-DEBtpjBX4rVnvRltYg
• Facebookfacebook.com/raaofsa
• LinkedInau.linkedin.com/company/raa_2
• Instagraminstagram.com/RAAofSA

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Subsidiaries3 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about RAA