RACV Home Contents Insurance

The contents insurance you need with the service you expect from RACV

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  • Flexible and competitive

    Get the home contents insurance to suit your needs at the right price

  • Range of great discounts

    Years of Membership Benefits, No Claim Bonus and Multi-Policy Discount

  • Easy 24/7 claims service

    With RACV there’s no claim form, it’s all done online or over the phone

  • Wide range of incidents covered

    Fire, theft and attempted theft, vandalism, broken glass, storm, storm surge, flood, impact damage, animal damage, earthquake, explosion and more

  • Optional accidental damage cover

    To cover unintentional mishaps around your home - such as if you spill a drink on your laptop, drop your smart phone in water, or if someone knocks over the TV

  • Option to insure specified valuables inside your home

    If you want more cover than generally covered for an item or collection inside your home (CDs, works of art), insure it as a specified item shown on your Certificate of Insurance

  • Optional portable valuables cover

    Insure specified portable valuables (bikes, phones, laptops) in Australia or New Zealand (inside your home and outside), plus up to $10,000 in total in other countries

  • Food spoilage included

    Up to $500 to replace spoilt food or prescription medication in a fridge or freezer if an insured event causes an interruption to your electricity supply

  • Up to $20 million in liability cover

    For you or your family’s legal liability if someone else is injured or dies, or for loss or damage to their property, in an incident anywhere in Australia

  • New for old cover

    If an insured item is stolen, damaged or destroyed by any event listed in your policy, we'll replace it with a new one

  • Choice of excess

    Choose the basic excess that’s right for you. You can reduce your premium with a higher excess but remember the excess is what you pay each time you make a claim

  • Choose how you pay

    Pay annually and save using RACV’s range of easy-to-use payment options or pay monthly using direct debit from your bank account or credit card

  • Reduced premium if you're 50 years or over

    50 or over? You get RACV Prime Cover Home Contents Insurance with reduced premium and additional benefits such as an option for a nil excess so you don’t pay anything when you claim

  • Aussie Assist Emergency Information Assistance

    Call 13 19 03 anytime for over-the-phone advice, including help finding tradespeople or for home emergencies such as blown fuses, burglary, bushfire, and burst pipes

RACV saves you money with our Years of Membership Benefits discounts

  • Bronze
    5-9 years

    5%

  • Silver
    10-24 years

    10%

  • Gold
    25-50 years

    15%

  • Gold 50
    51+ years

    20%

RACV Home Insurance Premium, Excess, Discounts and Benefits Guides

RACV Home Insurance Premium, Excess, Discounts and Benefits Guide for policies with a start date on or after 17 January 2016 and renewal policies with a start date on or after 7 March 2016.

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RACV Home Insurance Premium, Excess, Discounts and Benefits Guide for policies with a start date on or after 13 September 2015 and renewal policies with a start date on or after 2 November 2015 and new business policies with a start date before 17 January 2016 and renewal policies with a start date before 7 March 2016.

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RACV Landlord Insurance Premium, Excess, Discounts and Benefits Guides

RACV Landlord Insurance Premium, Excess, Discounts and Benefits Guide for policies with a start date on or after 17 January 2016 and renewal policies with a start date on or after 7 March 2016.

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RACV Landlord Insurance Premium, Excess, Discounts and Benefits Guide for policies with a start date on or after 13 September 2015 and renewal policies with a start date on or after 2 November 2015 and new business policies with a start date before 17 January 2016 and renewal policies with a start date before 7 March 2016.

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RACV Home Insurance is issued by Insurance Manufacturers of Australia Pty Limited ABN 93 004 208 084 AFS Licence No. 227678. The information on this website is general advice only so before making any decisions, please consider your own circumstances and the Product Disclosure Statement before.