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®

Comprehensive

Third Party Fire and Theft

Third Party Property Damage

Liability cover up to $20 million
Towing
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

Optional

No excess for windscreen, sunroof and window glass

Optional

Any Repairer option

Optional

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

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Policy documents

RACV Motor Insurance Product Disclosure Statement

RACV Motor Insurance Product Disclosure Statement and Policy Booklet for policies with a start date on or after 19 May 2019 and renewal policies with a start date on or after 29 June 2019.

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RACV Motor Insurance Product Disclosure Statement and Policy Booklet and Supplementary Product Disclosure Statement for policies with a start date on or after 15 October 2017 and renewal policies with a start date on or after 27 November 2017 and new business policies with a start date before 19 May 2019 and renewal policies with a start date before 29 June 2019.

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RACV Complete Care® Motor Insurance Product Disclosure Statement

RACV Complete Care® Motor Insurance Product Disclosure Statement and Policy Booklet for policies with a start date on or after 19 May 2019 and renewal policies with a start date on or after 29 June 2019.

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RACV Complete Care® Motor Insurance Product Disclosure Statement and Policy Booklet and Supplementary Product Disclosure Statement for policies with a start date on or after 15 October 2017 and renewal policies with a start date on or after 27 November 2017 and new business policies with a start date before 19 May 2019 and renewal policies with a start date before 29 June 2019.

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RACV Motor Insurance Premium, Excess, Discounts and Benefits Guides

RACV Motor Insurance Premium, Excess, Discounts and Benefits Guide for policies with a start date on or after 19 May 2019 and renewal policies with a start date on or after 30 June 2019.

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RACV Motor Premium, Excess, Discounts and Benefits Guide for policies with a start date on or after 24 August 2018 and renewal policies with a start date on or after 1 October 2018 and new business policies with a start date before 19 May 2019 and renewal policies with a start date before 30 June 2019.

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RACV Motor Insurance Aussie Assist Benefits Guides

RACV Comprehensive Insurance, RACV Third Party Fire and Theft Insurance, RACV Third Party Property Damage Insurance for new business policies with a start date on or after 19 May 2019 and renewal policies with a start date on or after 30 June 2019.

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RACV Comprehensive Insurance, RACV Third Party Fire and Theft Insurance, RACV Third Party Property Damage Insurance for new business policies with a start date on or after 28 September 2008 or renewal policies with a start date on or after 10 November 2008 and new business policies with a start date before 19 May 2019 and renewal policies with a start date before 30 June 2019.

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Complete Care® Motor Insurance for new business policies with a start date on or after 19 May 2019 and renewal policies with a start date on or after 30 June 2019.

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Complete Care® Motor Insurance for new business policies and renewal policies with a start date on or after 7 December 2008 and new business policies with a start date before 19 May 2019 and renewal policies with a start date before 30 June 2019.

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* RACV Motor Insurance is issued by Insurance Manufacturers of Australia Pty Limited ABN 93 004 208 084 AFS Licence No. 227678. The information on this website is general advice only so before making any decisions, please consider your own circumstances and the Product Disclosure Statement.

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