• Cover when you need it

    A car insurance policy can protect you against loss in the event of a motor vehicle accident or theft of your vehicle. Here, you can discover a range of car insurance options, from award-winning Complete Care® cover to Third Party Property Damage. 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.
    • Access to over 95 RACV Partner Repairers across Victoria.
    • Emergency 24-hour assistance from Aussie Assist.

Customer care

No claim or query is too hard to handle. Our Australian-based consultants are always here to help. 

Flexi excess discount

Reduce your premium upfront by selecting a higher basic excess.*

Exclusive savings

RACV Members save with discounted attraction tickets, Woolworths WISH gift cards, special prices on local travel, day trips and more.

Pay annually

Save on the price of your premium when you pay annually instead of monthly.

RACV Car Insurance products

Car Insurance comparison

Summary of Cover

Summary of Cover

Complete Care®

Top pick


Most popular

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

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* Complete Care® and Comprehensive policies only.
† Comprehensive, Third Party and Third Party Fire and Theft policies only.