RACV Complete Care® gives EV owners the highest level of protection, with more inclusions.
EVs and hybrids, covered
Whether you’re navigating Melbourne or exploring Victoria, enjoy inclusions like new-for-new car replacement and access to our EV-qualified Partner Repair Network.
Compare options to protect your EV
This is a summary only. For a full list of inclusions, conditions, limits and exclusions, read the Product Disclosure Statement.
Complete Care®
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No limit applies after not-at-fault collision if you provide the name and residential address of the at-fault driver. Up to $100/day until claim is settled as a result of a theft, attempted theft or any other incident.
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Comprehensive
Comprehensive is the most popular RACV Car Insurance policy, with flexible coverage options for EV owners.
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No limit applies after not-at-fault collision if you provide the name and residential address of the at-fault driver. Up to $60/day for up to 21 days after a theft or attempted theft.
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No limit applies after not-at-fault collision if you provide the name and residential address of the at-fault driver. Up to $60/day for up to 14 days or until claim is settled.
Types of incidents you can claim for
Insured events you can claim for if they impact your car. For all limits, conditions and exclusions, check the Product Disclosure Statement.
Frequently asked questions
There are a few different types of electric vehicles (EVs).
Battery electric vehicles (BEVs) use an electric motor and run solely on battery power. You can charge these using a standard power outlet or at a public charging station.
Hybrid electric vehicles (HEVs) use both battery power and petrol or diesel. The battery charges while you’re braking, so you won’t have to plug in to charge. However, you’ll still need to fill up with fuel.
Plug-in hybrid electric vehicles (PHEVs) use both battery power and petrol or diesel. You can plug in to charge – when the battery power drops, the petrol or diesel engine will be used.
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RACV Complete Care® and Comprehensive Car Insurance policies cover any portable charging equipment that comes with your electric vehicle, including cables and adaptors. Excludes permanently-attached charging stations at your home.
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Yes, a Complete Care® or Comprehensive policy will cover you for damage to your EV battery, if it was caused by an insured event. This includes damage caused by fire (like battery thermal runaway).
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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.
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No matter who’s driving, RACV Motor Insurance covers all licensed drivers provided they meet policy conditions and have your permission to drive your vehicle.^
You don’t need to list all additional drivers using your vehicle, but it’s worth considering based on how frequently others drive it and any additional excesses that may apply to unlisted drivers.
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 while 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).
Add drivers to your policy in the RACV App
- Download the RACV App
- Tap on ‘my products’
- Tap on your policy and then ‘view and manage policy’
- Under ‘Manage your policy’ tap ‘add, remove or edit drivers’
- Tap ‘edit’ and update driver details.
Add drivers to your policy in your online account
- Log in to your online account
- Click on your policy
- Scroll to ‘the drivers’ section
- Click ‘edit’ and update driver details.
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You can choose your own repairer with Complete Care® Car Insurance, or you can add this option to Comprehensive Car Insurance policies. It’s not available with Third Party Car Insurance policies.
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 work), it won’t be covered in your policy.
Using RACV’s Repair Network
Your RACV Car Insurance includes access to more than 90 high-quality partner repairers.
These businesses quote, assess and provide quality repairs for your car. Plus you’ll get a lifetime guarantee on workmanship of any repairs authorised by RACV Insurance, as long as you’re the owner of the vehicle.
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More ways we can help with your EV
^ 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.
† RACV Insurance recognised in the Finder Customer Satisfaction Awards – more information on the awards research methodology at https://www.finder.com.au/finder-awards.
~ 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.
Terms and conditions apply to all offers. Click on the offer to find out more 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.