RACT

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.

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

251–500 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

Headquarters

HQ city

Hobart

HQ country

Australia

HQ region

Oceania

Offices13 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. 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.
2. 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.
3. 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.
4. 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.
5. 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.
6. 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.
7. 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

Go-to-market motion3 records

Distribution channels6 records

Marketing channels8 records

Core 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

Named customers1 record

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Feature3 records

Partnerships

Nine partnerships are on record, tiered core and minor.

• PetSurecoreStrategic or Co-development Partner · 1 November 2025PetSure (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.
• VetPartnerscoreStrategic or Co-development Partner · 1 November 2025VetPartners 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 PetroleumcoreGTM or Marketing PartnerRACT 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 EnergycoreGTM or Marketing PartnerRACT 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 TasmaniaminorGTM or Marketing PartnerSpirit 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 GroupminorGTM or Marketing PartnerWoolworths 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 CinemasminorGTM or Marketing PartnerVillage 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 EnergyminorGTM or Marketing Partner1st 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.
• RepcominorGTM or Marketing PartnerRepco 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

Emerging 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

• YouTubeyoutube.com/channel/UCzHh1CXkBoVQLKNp3xi0Nog
• Facebookfacebook.com/RACTOfficial
• LinkedInlinkedin.com/company/ract
• Instagraminstagram.com/ractofficial
• Xx.com/RACTOfficial

Revenue estimate

Valuation estimate

Number of profiles

Profiles12 records

Subsidiaries1 record

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 RACT