Discover RACV Car Insurance products

The more RACV Insurance policies you have, the more you could save. When you take out two or more eligible RACV Insurance policies you’ll receive 10% off each*

At a minimum, RACV Car Insurance policies provide the following cover:

  • Liability cover up to $20 million for unintentional collision damage to someone else’s vehicle or property when you’re at fault.
  • Legal representation up to $10,000 if your vehicle is involved in an incident.
  • Automatic cover for vehicle modifications, options and accessories attached to the vehicle.

Use our car insurance comparison tool below to discover what type of car insurance best suits your needs.

Car Insurance comparison

Summary of Cover

Summary of Cover

Complete Care®


Third Party Fire and Theft

Third Party Property Damage

Liability cover up to $20 million
Aussie Assist
Fire and theft or attempted theft
Hire car after a theft or attempted theft
Emergency repairs
Collision damage to your vehicle
Flood, storm or a malicious act
Hire car after a not 'at fault' collision
New replacement vehicle
Theft of personal items
Trailer or caravan damage
Baby capsules and child seats
Taxi fares^
Hire car after any other incident


No excess for windscreen, sunroof and window glass


Any Repairer option


Emergency accommodation
Post repair vehicle inspection
Vehicle pick up and return
No extra for paying by the month
Pet assistance

This is only a summary of some inclusions for RACV Car Insurance policies. Refer to the relevant Product Disclosure Statement for specific terms, conditions, limitations and exclusions.

Frequently asked questions

Useful links

Keep up to date with the latest from Royal Auto

For full details on how you’re covered read the Product Disclosure Statement

* On existing policies discount takes effect at next renewal. Excludes Travel, Business, Farm, Single Item and Pet Insurance products.

RACV Motor Insurance is issued by Insurance Manufacturers of Australia Pty Limited ABN 93 004 208 084 AFS Licence No. 227678. Please consider the Product Disclosure Statement before buying. For a copy call 13 RACV (13 7228) or visit