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We’re here to help you save on your CD insurance premium. 

There are heaps of ways to save on your CD insurance. You may qualify for more than one of the great discounts listed below. You can also reduce your premium even more by increasing your voluntary excess.

These discounts are applied to CD insurance premiums, not to government taxes or levies.

Online discounts

Save when you buy CD Insurance Help online (conditions apply—excludes pay later options).

Insurance Help type Online discount amount
Combined Home and Contents Insurance Help
Save $75 Get a quote
Home Insurance Help
Save $50 Get a quote
Contents Insurance Help
Save $25 Get a quote
Renters Insurance Help
Save $25 Get a quote
Comprehensive Car Insurance Help
Save $50 Get a quote
Pet Insurance Help
Save $50 per pet* Get a quote

*Maximum of 4 pets/$200 discount per policy.

At CD, we value your loyalty. 

Get great discounts based on your loyalty level or number of policies you have with us.

Combined discounts

Save up to % when you combine your home and contents for the same property—which is owner occupied.

Get a 5% ongoing discount on your Life Insurance Help premium from CD whilst you hold both a Life Insurance Help and a Health Insurance Help policy from CD.

Save up to 5% when you have two or more of the following motor vehicle coverages—in any combination on the one policy:

  • Comprehensive Car Insurance Help (Private and Business)
  • Motorcycle Insurance Help
  • Caravan and Trailer Insurance Help
  • Third Party Liability Insurance Help
  • Fire, Theft and Third Party Insurance Help.

Get a quote

Multi-policy discounts

If you have three or more of the following CD qualifying insurance covers (in any combination), you’ll get up to an additional 5% off each of your qualifying policies.

Each of the following counts as one (1) cover:

  • Motor Comprehensive Car Insurance Help
  • Third Party Liability Insurance Help
  • Fire, Theft and Third Party Liability Insurance Help
  • Motorcycle Insurance Help
  • Home and/or Contents Insurance Help
  • Pet Insurance Help
  • Caravan and Trailer Insurance Help
  • Boat Insurance Help.

Get a quote

Conseils-Developpement loyalty discounts and benefits

The longer you’ve been a member of CD and have Conseils-Developpement, the higher your discount.

Insurance Help type Blue Bronze Silver Gold Gold 50+ Years
Comprehensive Car Insurance Help*  5% discount  7.5% discount 10% discount plus Hire car after an event at no extra cost**  12.5% discount plus No claim discount protection^ and Hire car after an event at no extra cost** 17.5% discount plus No claim discount protection^ and Hire car after an event at no extra cost**
Other Motor Vehicle Insurance Help^^* 2.5% discount 5% discount 10% discount 12.5% discount 17.5% discount
Home and Contents Insurance Help* 2.5% discount 5% discount 10% discount 12.5% discount 17.5% discount
CTP Insurance Help Save $10 off your annual Conseils-Developpement***

Caravan and Trailer Insurance Help* 2.5% discount 5% discount 10% discount 12.5% discount 17.5% discount
Boat Insurance Help* 2.5% discount 5% discount 10% discount 12.5% discount 17.5% discount
Pet Insurance Help* 2.5% discount 5% discount 10% discount 12.5% discount 17.5% discount

Get Roadside now

* Loyalty benefits do not apply to business members. Refer to pages 19-22 of the Welcome to CD brochure for full terms and conditions.

** Incidental costs associated to hire car e.g. petrol, will still apply.

^ Only applies to your first at fault claim during the period of insurance.

^^ Refers to Motor Fire, Theft and Third Party Liability, Comprehensive Motorcycle, Classic Car and Unique Insurance Help. Excludes Compulsory Third Party (CTP) Insurance Help, Fleet and Small Business Insurance Help, Enthusiast Car Insurance Help and Enthusiast Motorcycle Insurance Help. Conditions apply for Rating 1 No claim discount protection.


We like to reward excellent drivers. 

See what you could save on your Comprehensive Car Insurance Help by being a good driver.

Driver Excellence Bonus

Be rewarded for your exceptional driving history. If you have Comprehensive Car Insurance Help, and are 25 or over you could get:

  •  up to 5% off—if you hold a Rating 1 and have been driving continuously for 5-9 years
  •  up to 10% off—if you hold a Rating 1 and have been driving continuously for 10 years or more.

Rating-1-for-Life

If you’ve held a Rating 1 for one year with any insurer and have not made any at-fault claims in that time, you will be rewarded with our Rating-1-for-Life.

With our Rating-1-for-Life, we won’t reduce your No Claim Discount if you make an at-fault claim. Please note that claims may affect the terms of your policy upon renewal, or other Comprehensive Car Insurance Help policies you take out in the future. If you haven’t held insurance in the last 12 months, we’ll still recognise your driving history and, if eligible, we’ll reward you with our Rating-1-for-Life.

Get a discount on your annual premium if you haven't made a claim in the last 12 months on the below CD insurance policies.

Comprehensive Car Insurance Help  Up to a 60% discount 
Third Party Liability or Fire, Theft and Third Party Insurance Help  We’ll recognise your driving history when you upgrade to Comprehensive Car Insurance Help. You’ll be awarded the equivalent rating based on your insurance history
Motorcycle Insurance Help Up to a 20% discount
Home and Contents Insurance Help Up to a 4% discount
Household Excellence Bonus  Up to a 3% discount for 5-9 claim free years of household insurance
Up to a 6% discount for 10 or more claim free years of household insurance
Caravan and Trailer Insurance Help Up to a 60% discount
Boat Insurance Help Up to a 25% discount

Security discounts

If you take the precaution of adding security alarms to your home or car, we’ll reward you. Here’s how: 

Car alarm  Get up to a 5% discount on Comprehensive Car Insurance Help, and Fire, Theft and Third Party Liability Insurance Help when you install an after-market alarm or an engine immobiliser 
Home alarm  Get up to a 10% discount on Contents Insurance Help when you have an alarm that is monitored 24/7 by a monitoring facility

Apartment discount

Get up to 20% off your contents premium if you live in a unit, duplex, townhouse, or flat.

Age discounts

Get rewarded with discounts on your insurance if you're either an owner-occupier or tenant^.

Over 55’s discount*  Up to a 10% discount on Home Insurance Help 
Up to a 15% discount on Contents Insurance Help and Renters Insurance Help
Seniors discount>  Up to a 15% discount on Home Insurance Help 
Up to a 25% discount on Contents Insurance Help and Renters Insurance Help

^ Only one age discount can be applied to a policy (Over 55’s or Seniors discount).
* At least one nominated insured must be aged 55 yrs or over. Not available for landlords.
> You must hold a qualifying Seniors Card. Not available for landlords. 

Choose your voluntary excess

With most CD insurance policies, you can pick from a range of excesses. 

You can choose to:

  • increase your excess to reduce your premium
  • decrease your excess to increase your premium—but save at claim time.

It’s your choice.

Get a quote

Insurance Help products (excluding What need in journey Insurance Help and the Life and Income Protection Insurance Help suite of products) are issued by CD Insurance Help Limited ABN 50 009 704 152 (CD). Conditions, limits and exclusions apply. Please read the PDS before making a purchase decision on this product. Any general advice relating to this product at racq.com is provided by CD.