Green car driving on Mt Dandenong road, Victoria.

Complete Care® Car Insurance

Choose quality cover so you can drive with confidence

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What’s Complete Care® Car Insurance?

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.

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

24/7 claims help

No claim is too difficult. 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 the underwriting 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.*

What does Complete Care® Car Insurance cover?

Loss or damage to your vehicle

Caused by an accident, flood, fire, malicious act, storm, theft or attempted theft.

Vehicle towing, pickup and return

If you’re involved in an incident.

Hire car after an incident or theft

Until your vehicle is repaired and returned to you.

Liability cover up to $20 million

For unintentional collision damage to someone else’s vehicle or property.

Pet assistance

In the event you’re involved in an incident more that 100km from home and need to stay in pet-friendly accommodation.

New replacement vehicle

If RACV Insurance considers your vehicle to be a total loss and agrees to pay your claim. Conditions apply.

Cover for windscreen, sunroof and window glass damage

As a result of an incident, without any excess payment.

Any licenced driver (including learners)

With permission to drive your vehicle will be covered. Additional excess may apply to inexperienced drivers or drivers under 25.

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.

Accommodation rates beyond the cost of the room (such as mini bar costs).

Loss or damage to a hire car.

Veterinary costs if your pet is injured.

Liability from the use of a hire car.

Running costs of a hire car, such as petrol or tolls.

A hire car arranged by you, unless RACV Insurance approved it beforehand.

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

Complete Care®


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 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

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.

Yes, as long as they have a valid driver’s license. Additional excesses may apply for drivers under 25 and inexperienced drivers.

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Tips and advice for your car

^ 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 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 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.