RACV Car Insurance

Types of insurance

The more insurance policies you have with us, the more you could save. When you take out two or more RACV insurance policies you’ll receive 10% off each.

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

What you are covered for

  • Choice of own repairer

    You can choose from one of RACV's partnered repairers or your own repairer and receive a lifetime guarantee on the workmanship of all authorised repairs for the life of the vehicle

  • Liability cover up to $20 million

    In relation to any one incident, RACV will pay up to $20 million. In addition, we will pay legal costs when our lawyers act in connection with the claim

  • Towing from incident

    Under our Complete Care and Comprehensive policies you are covered for towing from an incident 

  • Vehicle modifications

    Any vehicle modifications, options and accessories are automatically covered

Car insurance comparison

Summary of Cover

Summary of Cover

Complete Care®

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Third Party Fire and Theft

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Third Party Property Damage

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Hire car until we settle your claim*1

No extra for paying by the month

Towing, vehicle pick up and return

Theft of personal items*2

Emergency accommodation*3

Post-repair vehicle inspection for authorised repairs

Taxi fares*4

Pet assistance

Accidental damage to your vehicle

Replacement vehicle*5

Damage due to a storm or malicious act

Damage to personal items*6

Trailer or caravan damage whilst towing*7

Baby capsules and child seats*8

Agreed value


No excess for windscreen, sunroof and window glass


Hire car after an incident*9


Hire car after a theft*10

Damage due to fire or theft*11

Emergency repairs*12

Choice of own repairer

Uninsured motorist damage*13

Liability cover up to $20 million

Towing from an accident*14

Aussie Assist

1 Up to $88 per day, unlimited days until we settle your claim. 2 Up to $1000. 3 Up to $150 per day, for up to 10 days or if your car is unsafe to drive after an incident that we cover, which occurs more than 100km from home. 4 Up to $250 in total from the scene of an accident and to and from the repairer/hire car provider. 5 If the vehicle is less than 24 months old, has been purchased brand new or as a demonstrator vehicle and a replacement vehicle is available in Australia. 6 Cover is up to $1000 for Complete Care™ and $500 for Comprehensive Insurance, for items damaged in an insured incident except theft or attempted theft. 7 Up to $1000. 8 Up to $500 per item. 9 For Complete Care™, refer to point 1. For Comprehensive Insurance, optional cover is up to $50 per day until vehicle is repaired or deemed a total loss, for up to 14 days. 10 For Complete Care™, refer to point 1. For Comprehensive Insurance and Third Party Fire and Theft, cover is up to $50 per day until vehicle is repaired or deemed a total loss, for up to 21 days. 11 Under Third Party Fire and Theft cover is up to a market value of $10,000. 12 Up to $500. 13 For Third Party Fire and Theft and Third Party Property Damage, cover is limited up to $5000 when other party is at-fault, uninsured and can be identified by you. 14 For Third Party Property Damage, cover applies if we agree to pay your Uninsured Motorist Damage Claim.

*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.