Complete Care® Car Insurance has all the benefits of RACV Comprehensive Insurance, plus extra inclusions like emergency accommodation, pet assistance, and no excess for windscreen, sunroof and window glass repairs. Drive with confidence when you choose the highest level of RACV Motor Insurance available.
What’s Complete Care® Car Insurance?
Key benefit
New replacement vehicle if yours is considered a total loss, RACV Insurance agrees to pay your claim, the vehicle was purchased new and the incident occurred within the first 3 years of its registration.
More than just great cover
Award-winning motor insurance
RACV Car Insurance: 2025 winner of WeMoney’s Best for Member Benefits Car Insurance.
RACV Complete Care®: 2025 winner of the Mozo Expert Choice Awards: Exceptional Quality Car Insurance.+
What does Complete Care® Car Insurance cover?
- Included
- Not included
This is only a summary of the inclusions for Complete Care® Motor Insurance. For more information, such as conditions, limits and exclusions, please read the Product Disclosure Statement.
For more information on General Exclusions and items not included in your cover, refer to the Product Disclosure Statement.
Compare Complete Care® and Comprehensive insurance
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.
See other car insurance options
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.
Make a claim or manage your policy
Make a claim
You can make a claim 24/7 in the app, online or by phone.
Find a policy document
You can view policy documents, or update your personal details and payment methods online.
Frequently asked questions
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.
Did this answer your question?
Thank you for your feedback
Thank you for your feedback
Yes, as long as they have a valid driver’s license. Additional excesses may apply for drivers under 25 and inexperienced drivers.
We can also help you with...
Tips and advice for your car
^ Provided they meet policy conditions and have your permission to drive your vehicle. 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.
* 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.
+ RACV Complete Care® Car Insurance recognised in Mozo Experts Choice Awards 2025 - more information on the awards research methodology at https://mozo.com.au.
~ If you purchased a new or demonstrator vehicle weighing less than 2.5 tonnes, RACV Insurance considers it a total loss, a similar replacement vehicle is available in Australia and any credit provider noted on your Certificate of Insurance agrees. Further conditions apply. See the Product Disclosure Statement for details.
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.