Domestic Travel Insurance
We have three Domestic options available. Choose from a Comprehensive Domestic plan, Domestic Cancellation Plan or cover for Rental Car insurance excess.
Domestic travel insurance provides cover for persons travelling in Australia only. Note that this does not include any medical or hospital cover, it covers you largely for your luggage and the risk of cancellation or disruption of travel. Cover applies from when you leave your home to go directly to the place you depart from your travels, and ends when you return to your home.
The cover for cancellation fees and lost deposits begins from the time the travel insurance policy is issued.
Domestic plan benefits table
|3||Amendment or Cancellation Costs||$Unlimited+|
|4||Luggage and Personal Effects||$7,500|
|- Camera, Video Cameras||$1,500|
|- Laptop and Tablet Computers||$1,500|
|- Golf Clubs||$500|
|- Mobile Phones and Smart Phones||$500|
|- Other Items||$500|
|8||Rental Car Insurance Excess||$4,000|
+Reduced limits may apply for customers 70 years or over.
Limits will be shown on the Certificate of Insurance
~Limits apply to subsections point 2 and 5f. See pages 35-37 of the PDS
^Maximum liability collectively for Sections 13, 14 and 15 is $25,000 on RACV Extra Travel Care and RACV Total Travel Care.
Domestic cancellation plan benefits table
|Section||Policy Benefits||Domestic Cancellation
|3||Amendment or Cancellation Costs||$1,000|
Rental Car excess plan benefits table
|Section||Policy Benefits||Rental Car Excess
|8||Rental Car Insurance Excess||Cover chosen|
On the Rental Car Excess plan, You can choose from the following levels of cover:
Please read the combined Financial Services Guide and Product Disclosure Statement (PDF 297kb) carefully to understand what this policy covers.
Importantly, please note that exclusions, limits and sublimits apply.
Policy options and add-ons
Luggage item limits
You can increase these limits individually
For items which are valued at more than the limits shown above (see Luggage and Personal Effects in Benefits table above), You may increase the item limit by paying an additional premium.
For a single item You may increase the limit by up to $4,500. For multiple items the overall increase in limits cannot exceed $7,000. You must be able to produce receipts or valuations (less than 12 months old) when claiming for these items.
Increase cover for Your Electronic Equipment
If You simply want higher cover for Your Electronic Equipment, You can increase to a combined limit of $5,000.
You must be able to produce receipts or valuations (less than 12 months old) when claiming for these items.
Increase rental car insurance excess cover
You can increase the level of rental car insurance excess cover available on Your plan by paying an additional premium. This benefit can be increased by up to $4,000.
You may wish to hire a motorcycle (including a moped) as the driver or a pillion passenger during Your Journey. If You choose to do so You must pay an additional premium and will only be covered if:
- the engine capacity is 200cc or less;
- You are wearing a helmet;
- You are not participating in a professional capacity;
- You are not racing; and
- whilst in control of a motorcycle, You hold a licence valid in the relevant country.
Note: No cover will apply under Section 16 Personal Liability.
Snow skiing, snowboarding and snowmobiling
If You wish to be covered for these activities during Your Journey, You must pay an extra premium.
Even if You pay the extra premium, You will only be covered if:
- You are skiing, or snowboarding On-Piste;
- You are not racing; and
- You are not participating in a professional capacity.
By purchasing this cover, We will also cover the cost of hiring alternative equipment up to the amounts shown below (under Section 4) if due to the accidental loss, theft or damage to skiing or snowboarding equipment owned by You.
Domestic plan: $500
Limits, exclusions and conditions apply. RACV Sales and Marketing Pty Ltd (ABN 11 005 258 702, AR 270432) is an authorised representative of Travel Insurance Partners Pty Limited (ABN 73 144 049 230, AFSL 360138) who arranges insurance underwritten by Great Lakes Reinsurance (UK) PLC, trading as Great Lakes Australia (ARBN 127 740 532, ABN 18 964 580 576, AFSL 318603). This is general advice only. We do not provide any advice based on any consideration to your objectives, financial situation or needs. Please review your own needs and the combined Product Disclosure Statement and Financial Services Guide before deciding to buy this insurance.