Privately imported vehicles, sometimes called grey imports or parallel import vehicles, are new or used cars that you legally import into Australia yourself (not through the car manufacturer's official import system). Popular import cars include American, European and Japanese imports.
What's a privately imported car?
Things to remember
- There are some privately imported cars that aren’t covered.
- There are certain policy conditions you need to agree to (like insuring for an agreed value).
- The agreed value doesn’t include any of your import cost.
More than just great cover
What does RACV Comprehensive Car Insurance cover?
- Included
- Not included
- Optional extras
With an RACV Comprehensive Car Insurance policy, you'll be covered for a range of events. Here’s a summary of what’s included:
For full details of what is and isn’t covered, see the Product Disclosure Statement. For further details on how your premium, excess levels and discounts are calculated, see the Premium, Excess and Discounts Guide.
For full details of what is and isn’t covered, see the Product Disclosure Statement. For further details on how your premium, excess levels and discounts are calculated, see the Premium, Excess and Discounts Guide.
For added peace of mind, you can choose to boost your cover with optional extras. If you do this, you’ll need to pay more on your premium.
For full details of what is and isn’t covered, see the Product Disclosure Statement. For further details on how your premium, excess levels and discounts are calculated, see the Premium, Excess and Discounts Guide.
Compare Comprehensive and Complete Care® insurance
For full details of what is and isn’t covered, see the Product Disclosure Statement. For further details on how your premium, excess levels and discounts are calculated, see the Premium, Excess and Discounts Guide.
Make a claim or manage your policy
Make a claim 24/7
You can make a claim 24/7 in the app, online or by phone.
Check or update your cover
View your documents, update your policy details, or manage your payments online.
Frequently asked questions
With RACV Motor Insurance, you can insure your car for the market value or agreed value, depending on your policy.
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. You’ll get market value with these policies:
- Comprehensive (choice of market or agreed value)
- Third Party Fire and Theft
- Third Party Property Damage
Agreed value
This is an amount agreed upon before your policy begins, by choosing from within a value range. Your vehicle will be insured for this amount for the term of your policy. You’ll get agreed value with these policies:
- Complete Care®
- Comprehensive (choice of agreed or market value)
Renewing your policy
At renewal, local market values are used to consider any changes in your vehicle’s agreed value. Check your renewal notice for any changes.
For more information on what’s included in your agreed or market value, check the Product Disclosure Statement.
Did this answer your question?
Thank you for your feedback
Thank you for your feedback
Complete Care® Car Insurance has the following inclusions:
- Vehicle pick up and return from the scene of the accident to a repairer; or from your home or work to the repairer and back again
- Post repair vehicle inspection for authorised repairs
- Pet assistance to transport your furry friend home or to safety if it is with you at the time of an incident
- Emergency accommodation
- Pay by the month at no extra cost.
There are also some differences in the amount of value you’ll be covered for. For example, with Complete Care® Insurance you’re covered for up to $100 per day for a hire car after an accident until your claim is settled, which is a higher amount than Comprehensive Insurance.
This is only a summary of the differences between RACV Car Insurance policies. Refer to the relevant Product Disclosure Statement for specific terms, conditions, limitations and exclusions.
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 licence and meet the policy conditions. Additional excesses may apply for drivers under 25 and inexperienced drivers.^
Did this answer your question?
Thank you for your feedback
Thank you for your feedback
Comprehensive Insurance can protect you from loss or damage to your vehicle caused by any of the following incidents: an accident including a collision, flood, fire, malicious act, storm, theft or attempted theft, as well as damage you cause to other people's property.
This is only a summary of the inclusions for RACV Comprehensive Insurance. For more information, such as conditions, limits and exclusions, please read the Product Disclosure Statement.
Did this answer your question?
Thank you for your feedback
Thank you for your feedback
RACV Comprehensive Car Insurance protects you from potentially hefty bills in the event of an accident. Regardless of who's at fault, you'll be covered for collision damage to your vehicle and unintentional collision damage to other people's property. Plus, anyone permitted to drive your vehicle will also be covered, as long as they meet policy conditions.
If you only want to purchase insurance cover for damage you cause to other people’s property, then you may wish to purchase a Third Party Fire and Theft, or Third Party Property Damage Insurance policy.
Did this answer your question?
Thank you for your feedback
Thank you for your feedback
Your insurance premium generally reflects the likelihood of a claim being made on your policy in the future and a number of other factors. Call us for a quote on 13 72 28 or get a quote online.
Did this answer your question?
Thank you for your feedback
Thank you for your feedback
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.
* 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 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.
+ You will be paid hire car costs after a collision with another vehicle if you’re not at fault and you provide the details of the at-fault driver (including their name and residential address).
~ If you purchased a new or demonstrator vehicle weighing less than 2.5 tonnes, your vehicle is considered 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.