4x4 parked on side of winding ride, by the ocean.

Car insurance for 4x4 vehicles

Any RACV Car Insurance policy may be suited for your 4x4

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Cover for your next big adventure

Help protect your 4x4 from loss or damage – whether you need cover for your own car, or just damage to third parties.

Every RACV Car Insurance policy comes with:

  • cover for any licensed driver who meets our criteria, even if they’re not nominated^
  • automatic cover for vehicle modifications, options and accessories attached to the vehicle1
  • towing if you’re involved in an accident
  • up to $20 million in liability cover if your vehicle causes an accident and a claim is made against you for loss or damage to someone else’s property.

Manage your policy online, 24/7

Whether you’re ready to buy insurance or you need to manage an existing policy, you can get started by logging in to your online account.

Choose your car insurance policy

Planning on driving along the beach or through the outback? RACV Car Insurance can help cover your 4x4.

Complete Care®

The highest level of protection. All the inclusions of RACV Comprehensive Insurance, plus vehicle pick up and return, taxi fares, choice of repairer and more. 

Comprehensive

Cover for collision damage to your car, plus unintentional collision damage to other people’s property and vehicles - no matter who’s at fault. There’s optional extras to further tailor to you.

Third Party Fire and Theft

Cover if your car is damaged by fire or stolen. Plus, for unintentional collision damage to other people’s property and vehicles.

Third Party Property Damage

Basic cover for unintentional collision damage to other people’s property and vehicles.

This is only a summary of some inclusions for RACV Car Insurance policies. Refer to the relevant Product Disclosure Statement for specific terms, conditions, limitations and exclusions. If you choose to add optional extras to your cover, you'll need to pay more on your premium.

More than just great cover

24/7 claims help

No claim is too difficult. Our Australian-based consultants are always here to help. 

Your choice of excess

Lower your premium by choosing a higher excess on Complete Care® and Comprehensive policies.

Cover for additional drivers

Any licensed driver who meets our criteria will be covered when driving your car.^

Pay annually or monthly

Save on the price of your premium when you pay annually.†

Loyalty discount

The longer you're a Member, the greater your discount on selected products with our Years of Membership benefit.*

Multi-policy discounts

Take out two or more eligible policies and save up to 10% on each – including home and motor insurance.*

Make a claim or manage your policy

Make or manage a claim

Lodge and manage claims online or by calling the claims team on 13 19 03.

Manage your policy

Log in to your online account to view policy documents, or update your personal details and payment methods. For other changes, call 13 72 28.

Frequently asked questions

4x4, four-wheel drive (4WD) and all-wheel drive (AWD) are terms that describe vehicle drivetrain systems.

4x4 and 4WD both describe vehicles that directly power all 4 wheels and are usually created for off-road driving.

AWD vehicles automatically limit the driver to one set of wheels – either the 2 at the front, rear, left or right. If the system detects a slippage or lack of traction, it will also engage the other set of wheels. AWDs are mainly used for on-road driving.

Learn more about AWDs and 4WDs

This depends on the level of cover included in your car insurance policy and what type of incident has occurred (for example, collision, fire, theft or flood).

Complete Care® Car Insurance provides RACV Motor Insurance’s highest level of cover when you need to make a claim, while Third Party Property Damage will protect you for the essentials.

To find out what you could claim, compare insurance options.

All RACV Car Insurance policies are suitable for 4x4 vehicles. Compare the options to find the one suited to your needs.

Complete Care® Car Insurance

This is the highest level of RACV Motor Insurance. You’ll be covered for damages caused in an insured incident and have access to additional extras.

These extras include:

  • no excess for windscreen, sunroof and window glass repairs
  • vehicle pick up and return
  • post-repair vehicle inspection
  • emergency transport and accommodation (up to $1,500)
  • any repairer of your choice.

Comprehensive Car Insurance

You'll be covered for damage to your vehicle and other people's property or vehicles in the event of a collision.

You can also choose to add extras to your policy, including things like:

  • no excess for windscreen, sunroof and window glass claims
  • hire car after incidents
  • the option to choose your own repairer
  • emergency transport and accommodation (up to $1,000).

Comprehensive Car Insurance insures your vehicle for an agreed or market value.

Third Party Fire and Theft

You’ll not only be protected if you unintentionally cause damage to other people’s property, but also covered if your car is stolen or damaged by a fire.

You won’t be covered for costs to repair your damaged vehicle following an incident when you’re at fault.

Third Party Property Damage

With this cover, you’ll be protected for unintentional damage you cause to another person’s vehicle or property - such as driving into someone’s car or fence.

You won’t be covered for costs to repair your damaged vehicle following an incident when you’re at fault.

To find out what policy suits your needs, you can compare our car insurance options.

For full details of what is and isn’t covered, see the Product Disclosure Statement (PDS).

Yes, off-road driving is covered by all RACV Motor Insurance policies, provided that:

  • you only drive the vehicle within its capabilities
  • you don't use the vehicle in any race, rally, trial, test, contest, track day or motor sport
  • you don't use the vehicle for any unlawful purpose
  • you don't engage in any wilfully reckless acts while driving.

Off-road adventure or tag-along tours are also covered, provided they meet these conditions.

There are a few things you can do to help reduce your premium.

Increase your excess

Choosing a higher basic excess may reduce your premium. But remember, if you make a claim, you'll pay more out of pocket.

Pay annually

When you pay your insurance upfront, instead of in monthly instalments, you may pay less.

Save with the Multi-Policy Discount

Take out two or more eligible insurance policies and save up to 10% on each*. Find out which policies are eligible

Stay longer for a greater discount

The longer you're a member, the greater your discount on selected products* with our Years of Membership benefit#.

An excess is the amount you contribute toward the cost of a claim once it has been accepted. There are three types of excess: basic, age and special.

Some situations where you'll need to pay an excess:

  • you or the person driving your vehicle was at fault in an incident
  • the incident wasn't your fault but you don't have the details of the at-fault party
  • the damage is caused by collision with an animal
  • your car was damaged by an event (such as hail, or a tree during a storm).

When you start a claim online, you'll find out whether an excess is payable. If you have an excess to pay, you can log in to pay it online.

For more detailed information, see the Premium, Excesses and Discounts Guide (PED).

1) Stop and secure the area
Turn off the engine and turn on your hazard lights. If a traffic hazard or an injury requires ambulance assistance, call 000 for emergency services.

Keep in mind other drivers are still using the road, so where possible, move aside to a safe location.

2) Exchange details with drivers involved
This includes their:

  • full name, residential address, contact number
  • driver’s licence number
  • registration number
  • car model
  • any insurance company details
  • the name and phone number of any witnesses.

It’s always good to take plenty of photos and/or videos of the scene and damage. Also record the date and time of the incident.

In Victoria, for minor cases with no injuries but may require police assistance, call the Police Assistance Line on 131 444.

If you can’t drive your car home from the incident scene, call 13 19 03 and towing can be arranged.

3) Lodge a claim
As soon as you can, lodge a claim by logging in to your online account or calling 13 19 03. RACV Insurance will then assess your claim and get back to you.

No matter who is at fault for an incident, the process of making a claim is the same.

You’ll need to provide us information on the incident, like recorded time, witness’ contacts and details of other drivers involved (if applicable). Photos of the incident can give us a clearer idea of what happened and will help with your claim.

If your car has been stolen in Victoria, your first step is to contact the Police Assistance Line on 131 444, before making an insurance claim. We may ask you for a police report reference number and the date reported, so it's a good idea to write these details down.

You can lodge a claim by logging in to your online account or calling 13 19 03.

Yes, you can transfer your car insurance policy to another vehicle.

Things to keep in mind:

  • Your premium may change based on your updated vehicle. This means you may be charged an additional premium or be refunded for a portion of your premium.
  • If you transfer your insurance to a new vehicle, your previous vehicle is no longer covered.

To transfer your policy to a different vehicle:

  1. Go to your online account.
  2. Click on your product.
  3. Click ‘view details’.
  4. Click ‘edit’ and enter your vehicle details.

You can also call us on 13 72 28 or visit a retail store.

Agreed value
This is how much RACV Insurance agrees to insure your vehicle for. You can choose from within a value range, and it remains fixed for the term of the policy.

At renewal, RACV Insurance considers the changes in your vehicles agreed value using local market values. Check your renewal notice for any changes.

Market value
This is an assessment of your vehicle’s value at the time of an incident you’re making a claim for. It considers local market prices and the age and condition of your vehicle.

For more information on what’s included in your agreed or market value, check the Product Disclosure Statement.

You can only choose between agreed value and market value if you purchase a Comprehensive Car Insurance policy.

All RACV Car Insurance policies come with access to over 90 high-quality repairer locations. We trust these businesses to quote, assess and provide a quality repair for your car - we even give a lifetime guarantee for any work we authorise, as long as you’re the owner of your vehicle.

If you'd rather choose your own repairer, this option is included with Complete Care® Car Insurance, or you can add this option to Comprehensive Car Insurance policies.

However, it’s not an inclusion within Third Party Car Insurance types.

If you choose to arrange your own repairer, make sure you have selected an authorised repairer who meets industry standards. If anything goes wrong (like faulty workmanship), it won’t be covered in your policy.

Car insurance gives you peace of mind to manage costs in the event of an incident. For instance, you may only end up paying the insurance excess rather than the full cost of car damage repairs.

Unlike other states, in Victoria the Compulsory Third Party (CTP) is included when you register your vehicle with VicRoads. CTP covers you for any injuries caused from an incident involving your car.

Having additional car insurance, like Complete Care® Car InsuranceComprehensive Car InsuranceThird Party Fire and Theft or Third Party Property Damage, provides you extra protection if an incident occurs, especially when involving other people’s cars.

No matter who’s driving, RACV Motor Insurance covers all licensed drivers provided they meet the underwriting criteria.

You don’t need to list all additional drivers using your 4x4, but it’s worth considering based on how frequently others drive your vehicle and any additional excesses that may apply to unlisted drivers.

It’s important to be aware that your car insurance premium may change if another driver is listed on your policy. If an unlisted driver is found at fault for an incident whilst driving your vehicle, you may have to pay an additional excess on top of your basic excess.

For further details on excess charges based on your policy, read the Premium, Excesses and Discounts Guide (PED).

To update drivers listed on your policy:

  1. Log in to your online account.
  2. Click on your policy.
  3. Scroll to ‘the drivers’ section.
  4. Click ‘edit’ and update driver details.

Yes, you can insure a car without holding a driver’s licence. However, to be covered in an incident, the driver of the vehicle needs to be licensed. 

To better understand your eligibility for RACV Motor Insurance, call us on 13 72 28 or visit a retail store.

We can also help you with...

Tips and advice for your car

1 On agreed value policies, cover is limited to the agreed value. Cars must be roadworthy and registrable.

^ Additional excess applies to drivers under 25 or with less than 2 years' driving experience.

† Comprehensive, Third Party and Third Party Fire and Theft policies only. 

# RACV Years of Membership: at 5 years Bronze cardholders receive a 5% discount, at 10 years Silver cardholders receive a 10% discount, at 25 years Gold cardholders receive a 15% discount and at 51 years Gold 50 cardholders receive a 20% discount.

* The Multi-Policy Discount and Years of Membership Benefits exclude Travel, Business and Farm Insurance products. To qualify for the Multi-Policy Discount, you must hold two eligible RACV Insurance policies. For further details, see the Premium, Excess and Discounts guide at racv.com.au. Discounts will only be applied until any applicable minimum premium is reached. On renewal, any increases or decreases in your premium may be limited by factors such as your previous year’s premium. You may not save more with more eligible policies and by staying with RACV Insurance longer if a minimum premium is reached, or limits have been applied to increases or decreases in your premium.

The information provided is general advice only. Before making any decisions please consider your own circumstances and the Product Disclosure Statement and Target Market Determinations. For copies, visit racv.com.au. As distributor, RACV Insurance Services Pty Ltd AFS Licence No. 230039 receives commission for each policy sold or renewed. Product(s) issued by Insurance Manufacturers of Australia Pty Ltd ABN 93 004 208 084 AFS Licence No. 227678.