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Loyalty discounts

Check what members can save on RACV products and services.

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More reasons to stay with RACV

The longer you're a Member, the greater your discount on selected products with our Years of Membership benefit.#*

Plus, take out two or more eligible insurance policies and save up to 10% on each.*

How it works

Check the colour of your member card to see what loyalty discount you can get on eligible products through our Years of Membership Benefits program.

Discover a range of member discounts and deals

Years of Membership Benefits program

This program offers loyalty discounts based on your continuous years of membership.*

Tiers of membership
Tiers of membership

Discount on eligible RACV products

Blue member (0-4 years)

Discount on eligible RACV products


Bronze member (5-9 years)

Discount on eligible RACV products

5% off eligible products.

Silver member (10-24 years)

Discount on eligible RACV products

10% off eligible products.

Gold member (25-50 years)

Discount on eligible RACV products

15% off eligible products.

Gold 50 member (51+ years)

Discount on eligible RACV products

20% off eligible products.

Eligible products


Loyalty discounts on home, motor, caravan, trailer or boat insurance.^

Emergency subscriptions

Loyalty discounts on Emergency Roadside Assistance and Emergency Home Assist subscriptions.∞

Finance and loans

Loyalty discounts on interest rates for personal or car loans.+

One Lifestyle Torquay

Loyalty discounts on membership at our Torquay Resort and Fitness Centre.~

Take out multiple eligible policies and save up to 10%

Take out two or more of these eligible RACV insurance policies to save up to 10% on each.*^

Other ways to save

Every member saves on RACV Resorts, Drive School, Batteries and more, even if you've only just joined.

External view of RACV Torquay Resort as the sun rises
Save 25%^^

RACV Resorts

Book direct to save on accommodation.

An instructor pointing to an RACV drive school car while teaching a learner.
Save 10%^^

Drive School

Buy a 5-lesson voucher package and save.

RACV employee fixing a car battery.
Save $15^^

RACV batteries

A range of batteries to suit every vehicle.

Frequently asked questions

If you've lost your card, you can give our team a call on 13 72 28 and we’ll send you out a new one.

Terms and conditions

# 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.

∞ On existing RACV Emergency Roadside Assistance and RACV Emergency Home Assist subscriptions, the discount applies from the next renewal after you qualify. The discount does not apply to the one-off establishment fee for either RACV Emergency Roadside Assistance or RACV Emergency Home Assist. 

+ RACV Finance is subject to RACV lending criteria. Conditions, fees and charges apply. Member discount not available through finance brokers, third parties or intermediaries or on any 'special' rate promotions. RACV FINANCE LIMITED ABN 82 004 292 291, Australian credit licence 391488. 

~ Only valid at One Lifestyle at RACV Torquay Resort.

* 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.

^^ Terms and conditions apply to all offers. Click on the offer to find out more details.