RACV financial hardship support
When times get tough, we’re here to help.
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Sometimes things happen that are beyond our control which can make it difficult for us to keep up to date with paying bills. If you need financial hardship support with any of your RACV products or services, we’re here to help in any way we can.
Financial hardship is when you want to pay your bills, but don’t have the means to because of unexpected events or circumstances, such as:
- Injury or illness
- Natural disasters, like COVID-19, bushfire or flood
- Sudden reduction of income or unemployment
- Domestic violence or financial abuse.
We encourage all eligible Members who are significantly affected through unemployment or a reduction in personal household income to contact us so we can provide you with a tailored solution. It’s important to protect your assets at this time, and we want to help you.
We will look to assist our Members who are finding it difficult to make ends meet during these exceptional times. We’ll do this by providing immediate and effective support to you, based on your individual circumstances.
We’ll continue to monitor the situation to ensure we can help you through this unprecedented period.
How we can help
- Option to change upcoming premium payments from annual to monthly.
- Flexible excess amounts on Motor and Home Insurance policies.
- Option to defer premium payments for up to three months.
As usual, there are no cancellation fees required to cancel your insurance policy.
To get started, contact us. We'll ask you some questions about the policy or subscription you have so we can come up with the best available solution. Once we've had a chat, we'll immediately make the changes on your account. If you find you need more support at a later date, you can always get in touch again to discuss your options.
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Assistance for insurance premiums or subscriptions
If you hold any insurance or subscription product with us and need support to make your payments, get in touch.
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Need assistance repaying your RACV loan?
Find out moreIf you’re looking for support for an RACV Finance loan repayment, we can help.
How do I know if I'm eligible?
An eligible Member is a Member who is experiencing financial hardship because of unexpected events or circumstances, such as:
- Injury or illness
- Natural disasters, like COVID-19, bushfire or flood
- Sudden reduction of income or unemployment
- Domestic violence or financial abuse.
Is my policy still current even though I’ve been provided a payment extension?
Yes, your policy is still current and you’re covered if an incident occurs.
If I get an extension, does this mean my policy renewal date has changed?
No, your renewal date does not change. We’ve provided you an additional 14 days to pay your premium.
What happens if I need to make a claim?
You’ll need to pay any outstanding premium before a claim can be progressed.
What happens if I don’t apply for financial assistance now and my circumstances change later?
We’re here to assist you at any time. If you require help at a later date, you can contact us to discuss your options.
Does my request for financial assistance impact my membership?
No, your membership won’t be impacted. If you seek financial assistance, you will still be able to access RACV products, services and associated Member offers and discounts.
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Complaints process
If you’re not satisfied with the assistance provided by our team or don't feel like a fair and prompt resolution was reached, you can submit feedback by contacting our Member Relations team.
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Financial counselling
Call 1800 007 007The National Debt Helpline is a free, independent and confidential service. Financial counsellors are available to offer advice and strategies to help you manage debt and make informed choices about your finances.
The Helpline is open from 9:30am to 4:30pm, Monday to Friday. Calls from mobile phones may incur additional fees.