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. 

What is financial hardship?

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're committed to helping you

We encourage all eligible Members who are experiencing financial hardship to contact us so we can provide you with a tailored solution. It’s important to protect your assets and we’re here to help.

We will look to assist our Members who are finding it difficult to make ends meet during challenging times. We’ll do this by providing immediate and effective support to you, based on your individual circumstances.

How we can help

  • Assistance for insurance premiums or subscriptions

    If you hold any insurance or subscription products with us and need support to make your payments, we may be able to help by:

    • Changing upcoming premium payments from annual to monthly.
    • Offering flexible excess amounts on Motor and Home Insurance policies.
    • Deferring premium payments for up to three months.

    As usual, there are no cancellation fees required to cancel your insurance policy.

  • Assistance for insurance claims

    If you are experiencing financial hardship in relation to an insurance claim, or you are unable to make your payments, RACV Insurance can help by reviewing your situation, discussing options available to you, and working out a plan.  We may be able to:

    • Deduct the excess payment from your claim settlement
    • Extend your payment due dates
    • Develop a payment plan with you.

Applying for assistance

To get started, contact us. We'll ask you some questions about your policy, claim or subscription so we can come up with the best solution. Once we've had a chat, we'll update your account immediately. If you find you need more support later, you can always get in touch with us again to discuss your options.

Frequently asked questions

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.