RACT
RACT is a member-owned Tasmanian automobile club and insurance provider founded in 1923, offering roadside assistance, multi-line insurance, driver training, AutoServe mechanical services, travel, and member rewards to Tasmanian consumers across 13 retail locations.
- Company typePrivate
- Founded1923
- HeadquartersHobart, Australia
- Headcount101–250
- GTM typeB2C
- OfferingServices
What RACT does
RACT (Royal Automobile Club of Tasmania Limited) is a member-owned automobile club and insurance provider founded in 1923 and headquartered in Hobart, Tasmania. The company serves primarily Tasmanian consumers with a diversified portfolio spanning roadside assistance (Advantage and Ultimate subscription tiers), insurance products (car, home and contents, boat, caravan and trailer, pet, investor/landlord, and strata), driver training, vehicle inspections, batteries, AutoServe mechanical workshops, car seat fitting, and travel services. It underwrites insurance through its wholly-owned subsidiary RACT Insurance Pty Ltd (AFSL 229 076) and distributes pet insurance through a partnership with petinsurance.com.au (PetSure).
RACT operates a hybrid digital and physical distribution model: 13 retail store locations across Tasmania, two AutoServe workshops, multiple driving school sites, a phone-based sales and support operation, and proprietary self-service portals (insurance.ract.com.au, account.ract.com.au, roadside.ract.com.au, lifestyle.ract.com.au). The membership model is the structural backbone — roadside subscriptions automatically confer member status, while Lifestyle Membership ($39/year, currently free for 12 months) provides access to a Member Rewards network spanning fuel discounts at Bennett's Petroleum and Bonney Energy sites, Woolworths gift cards, Village Cinemas, Spirit of Tasmania, Repco, and 1st Energy. Approximately 147,000 Tasmanians hold RACT insurance policies, with the roadside operation handling around 200 callouts per day via nearly 70 patrol experts and achieving ~85% fix-on-site rates.
Revenue is generated through recurring insurance premiums and roadside subscriptions, fee-for-service driver training and AutoServe repairs, hardware sales (batteries), and travel agency commissions. Strategic priorities evident in recent activity include expanding car insurance feature set for EVs and family segments (effective June 2026), launching the PetSafetyNet community program with PetSure and VetPartners (November 2025), and using promotional campaigns (Seal-ebrate $25K draw) to drive multi-product bundling. No AI/ML capabilities are disclosed beyond standard digital portals and third-party insurtech integrations.
RACT firmographics
Firmographics- Name
- RACT
- Legal name
- Royal Automobile Club of Tasmania Limited
- Website
- https://ract.com.au
- Company type
- Private
- Founded year
- 1923
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- RACT is a member-owned Tasmanian automobile club and insurance provider founded in 1923, offering roadside assistance, multi-line insurance, driver training, AutoServe mechanical services, travel, and member rewards to Tasmanian consumers across 13 retail locations.
- Ownership category
- akta.pro rank
Where RACT is headquartered
LocationHeadquarters
- HQ city
- Hobart
- HQ country
- Australia
- HQ region
- Oceania
Offices13 records
Markets served
RACT business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure, Supply Chain
Revenue model
- Insurance Premiums: RACT Insurance Pty Ltd (ABN 96 068 167 804, AFS licence 229 076) earns revenue from underwriting insurance policies including car, home and contents, boat, caravan and trailer, investor, strata, and pet insurance. Premium revenue is the core commercial stream, with multi-policy discounts (10% off for three or more eligible products) used to drive bundling and retention.
- Roadside Assistance Subscriptions: Annual subscription-based roadside protection plans (Advantage at $141/year, Ultimate at $252/year, both available monthly). These subscriptions provide 24/7 Australia-wide roadside assistance and automatically confer membership benefits including access to fuel discounts and partner rewards.
- Membership Fees and Cross-Sell Revenue: Lifestyle membership (normally $39/year, currently offered free for 12 months) serves as a customer acquisition and retention mechanism. Revenue is generated through cross-selling of insurance products, roadside assistance, driver training, and AutoServe mechanical services to the membership base.
- Driver Training Services: Revenue from driving lessons (from $88 per 50-minute session), P1 assessments ($175), and gift vouchers. Additional revenue is generated through the automatic membership enrollment which includes 2-year Lifestyle membership with 7-lesson and 10-lesson packages.
- AutoServe Mechanical Services: Mechanical repairs, servicing, and vehicle inspections offered through workshops in Hobart (136 Harrington Street) and Launceston (85 Cimitiere Street). Members receive a 10% discount on labour costs.
- Battery Sales and Fitting: Sale and mobile installation of car batteries with 24/7 roadside availability. Members receive a $30 discount on retail price. National warranty on all batteries.
- Pet Insurance Distribution: RACT distributes pet insurance in partnership with petinsurance.com.au (PetSure), earning distribution revenue. For every GapOnly claim processed, $1 is directed to PetSafetyNet community program, creating social impact while maintaining commercial viability.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Roadside Advantage - entry-level personal cover for short-distance drivers |
| Subscription | Annual | Roadside Ultimate - comprehensive cover for frequent travellers |
| Unit Pricing | Pay-as-you-go | Single Driving Lesson |
| Unit Pricing | Pay-as-you-go | Driving Lesson Package - 3 Lessons |
| Unit Pricing | Pay-as-you-go | Driving Lesson Package - 5 Lessons |
| Unit Pricing | Pay-as-you-go | Driving Lesson Package - 7 Lessons |
| Unit Pricing | Pay-as-you-go | Driving Lesson Package - 10 Lessons |
| Unit Pricing | Pay-as-you-go | P1 Assessment |
| Unit Pricing | Pay-as-you-go | P1 Familiarisation and Assessment |
| Subscription | Annual | Lifestyle Membership - Standard Rate |
| Unit Pricing | Pay-as-you-go | Vehicle Inspection - Passenger Car / Small SUV |
| Unit Pricing | Pay-as-you-go | AIS Light Vehicle Registration Inspection |
| Unit Pricing | Pay-as-you-go | Car Seat Fitting - New Seat Installation |
| Unit Pricing | Pay-as-you-go | Car Seat Safety Check - Existing Fitting |
| Subscription | Annual | Multi-Policy Insurance Discount |
| Subscription | Annual | Pet Insurance - Member Offer |
Go-to-market motion3 records
Distribution channels6 records
Marketing channels8 records
RACT product offering
Product offeringCore offering
Royal Automobile Club of Tasmania (RACT) is a member-owned mutual organization that provides roadside assistance, general insurance products (car, home, boat, caravan, pet, investor, strata), driver training, vehicle inspections, mechanical services, and travel booking to Tasmanian consumers, supported by a network of 13 retail stores, two AutoServe workshops, and a fleet of approximately 70 mobile patrol experts handling roughly 5,500 callouts per month.
Product overview
RACT (Royal Automobile Club of Tasmania) operates as a member-owned organization founded in 1923, offering a diversified portfolio of automotive, insurance, and travel services primarily serving Tasmanians. The core product portfolio spans: (1) Motoring Services including personal Roadside Assistance (Advantage and Ultimate tiers with Australia-wide coverage), Driver Training with certified instructors, Vehicle Inspections, Batteries with 24/7 delivery/fitting, AutoServe mechanical workshops, and Car Seat Fitting; (2) Insurance Products including Car, Home & Contents, Boat, Caravan & Trailer, Pet (distributed with petinsurance.com.au), Investor/Landlord, and Strata coverage; (3) Membership Benefits including free Lifestyle Membership providing access to Member Rewards with fuel discounts, entertainment offers, and shopping savings; and (4) Travel Services through RACT Travel. All insurance and service products automatically include membership benefits, creating a unified member ecosystem across automotive assistance, financial protection, and lifestyle savings.
Differentiator
Problem solved
Functional benefit
Brands
- Roadside Advantage: Entry-level roadside assistance cover for short-distance drivers offering 24-hour roadside assist, personal cover, towing, flat battery/tyre services, lock outs, and out of fuel assistance.
- Roadside Ultimate
- Lifestyle Membership
Products and services
- Roadside Assistance Advantage
- Roadside Assistance Ultimate
- Lifestyle Membership
- Car Insurance
- Home and Contents Insurance
- Boat Insurance
- Caravan and Trailer Insurance
- Pet Insurance
- Investor Insurance
- Strata Insurance
- Driver Training
- Vehicle Inspections
- AutoServe Mechanical Services
- Batteries
- Car Seat Fitting
- RACT Travel
Quantifiable outcome
- 147,000+ Tasmanians insured with RACT
- +6 more outcomes
Companies that use RACT
Customer profileNamed customers1 record
Segments3 records
Ideal customer profiles3 records
RACT technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration3 records
Feature3 records
RACT partnerships and signals
Strategic signalPartnerships
Nine partnerships are on record, tiered core and minor.
- PetSurecorePetSure (Australia) Pty Ltd (ABN 95 075 949 923, AFSL 420183) co-funds and operates the PetSafetyNet program alongside VetPartners. RACT distributes pet insurance underwritten by PetSure through petinsurance.com.au, with $1 from every GapOnly claim directed to the PetSafetyNet community initiative. PetSure provides the GapOnly real-time claims processing technology and administers policies for new business from 7 November 2023.
- VetPartnerscoreVetPartners is one of Australia's largest networks of veterinary clinics and co-funds the PetSafetyNet program with PetSure. In Tasmania, VetPartners clinics include Montrose Vet Centre, New Norfolk Vet Centre, Spreyton Veterinary Services, Launceston Veterinary Clinic, Burnie Veterinary Centre, and North West Veterinary Centre - providing subsidised veterinary care to eligible Tasmanian pet carers through the PetSafetyNet program.
- Bennett's PetroleumcoreRACT has partnered with Bennett's Petroleum to offer members 6 cents off per litre of fuel at participating sites (or 9 cents off with a $15 in-store purchase). The partnership covers multiple Bennett's Petroleum and Mood Food sites across Tasmania including Bagdad, Burnie, Cambridge, Claremont, Copping, and others.
- Bonney EnergycoreRACT has partnered with Bonney Energy (operating Ampol and Mood Food sites) to provide fuel discounts for members. Discounts of 6 cents per litre (or 9 cents with $15 in-store purchase) are available at participating Bonney Energy sites across Tasmania including Bell Bay, Campbell Town, Devonport, Deloraine, Derby, and others.
- Spirit of TasmaniaminorSpirit of Tasmania ferry service is featured as a Member Rewards partner, offering RACT members savings on travel across Bass Strait. This partnership drives membership value and cross-sell opportunities.
- Woolworths GroupminorWoolworths Group eGift cards available through RACT's Member Rewards program, allowing members to save up to 5% when pre-purchasing gift cards. This enhances the Lifestyle membership value proposition.
- Village CinemasminorVillage Cinemas partnership provides RACT members with savings on Gold Class movie eVouchers and general adult movie eVouchers as part of Member Rewards. Included in Lifestyle membership benefits.
- 1st Energyminor1st Energy is a Member Rewards partner offering RACT members $150 credit on their energy bill over twelve months. This non-fuel retail partnership broadens the lifestyle savings appeal of RACT membership.
- RepcominorRepco partnership provides RACT members with 5% discount plus exclusive offers on automotive parts and services. Aligns with RACT's motoring-focused brand and roadside/vehicle service ecosystem.
Scale indicators13 records
Recent moves6 records
Expansion highlights5 records
RACT competitors and assessment
Company assessmentEmerging players
- Budget Direct: Budget Direct is a digital-first Australian insurer competing on price across car, home, and pet lines. Represents the digital-disruption threat vector to RACT's regional insurance franchise as consumers increasingly compare across online aggregators.
Direct peers
- NRMA: NRMA is the largest Australian member-owned motoring club (NSW/ACT) and a parent of IAG via the NRMA Insurance brand. Offers roadside, insurance, and member benefits at scale — the most significant structural competitor and largest peer by membership base.
- RACV (Royal Automobile Club of Victoria): RACV is the Victorian counterpart to RACT — a member-owned motoring club offering roadside assistance, insurance, driver training, and travel services. Operates the same member-club model with state-wide scope and is the closest structural and product-line analogue to RACT's Tasmanian operation.
- RAA (Royal Automobile Association of South Australia): RAA is the South Australian member-owned motoring club offering roadside, insurance, travel, and member rewards. Closely comparable to RACT in scale, mutual structure, and product mix (although slightly larger), serving as a regional auto club peer.
- RACQ (Royal Automobile Club of Queensland): RACQ is a member-owned motoring club for Queensland offering roadside assistance, insurance (RACQ Insurance), motoring services, and travel. Direct competitor in the auto club / insurance space with a similar diversified-product portfolio, providing a strong benchmark for RACT's strategic playbook.
- Shannons: Shannons is an Australian insurer and auction house specialising in classic/collector vehicles and motoring-enthusiast insurance. Overlaps with RACT on motoring-focused insurance and member-engagement programs, though niche in vehicle type.
- RAC (Western Australia): RACWA is the Western Australian member-owned motoring club with roadside, insurance (through RAC Insurance), travel, and member services. Another regional auto club analogue to RACT with mutual governance and similar bundled offerings.
Regional players
- SGIO: SGIO is the Western Australian insurance brand operated by IAG that competes in regional/home contents markets analogous to RACT Insurance's Tasmanian position. Comparable regional insurance competitor with mutual-style association history.
Broad incumbents
- Suncorp / AAMI: Suncorp Group is one of Australia's largest insurers (AAMI, Suncorp, GIO, Shannons) offering national insurance products and competing with RACT Insurance across car, home, and pet lines. A broad incumbent competing in the same insurance categories but as part of a multi-brand, publicly-listed portfolio.
- Insurance Australia Group (IAG): IAG owns NRMA Insurance, RACV Insurance, and SGIO and is Australia's largest general insurer. Direct competitor to RACT Insurance across home, contents, and strata lines and the dominant scale player in motoring-club insurance underwriting.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks5 records
Key highlights6 records
Customer concentration
RACT social profiles
Digital presenceRACT financial estimates
Financial estimateRevenue estimate
Valuation estimate
RACT leadership team
Management profileNumber of profiles
Profiles12 records
RACT subsidiaries and ownership
Company hierarchySubsidiaries1 record
RACT funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
RACT M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about RACT
What does RACT do?
Royal Automobile Club of Tasmania (RACT) is a member-owned mutual organization that provides roadside assistance, general insurance products (car, home, boat, caravan, pet, investor, strata), driver training, vehicle inspections, mechanical services, and travel booking to Tasmanian consumers, supported by a network of 13 retail stores, two AutoServe workshops, and a fleet of approximately 70 mobile patrol experts handling roughly 5,500 callouts per month.
Is RACT a public or private company?
RACT is a private company. It is classified as nonprofit foundation owned and is currently operating.
When was RACT founded?
RACT was founded in 1923. It employs 101 to 250 people.
Where is RACT based?
RACT is headquartered in Hobart, Australia, in the Oceania region.
How does RACT make money?
Seven revenue lines are on record. Insurance Premiums are the primary driver. The others are roadside Assistance Subscriptions, membership Fees and Cross-Sell Revenue, driver Training Services, autoServe Mechanical Services, battery Sales and Fitting and pet Insurance Distribution.
Who are RACT's main competitors?
Budget Direct is listed as an emerging player. Direct peers are NRMA, RACV (Royal Automobile Club of Victoria), RAA (Royal Automobile Association of South Australia), RACQ (Royal Automobile Club of Queensland), Shannons and RAC (Western Australia). SGIO is listed as a regional player. Broad incumbents are Suncorp / AAMI and Insurance Australia Group (IAG).
Does RACT have an API?
No public API is recorded for RACT.