RACV Car Insurance

We keep you moving

Victoria's most trusted insurance

Every year more than 1 million Victorians choose RACV Insurance. And it’s no wonder. After all, we set out to offer excellent value for money and the very best in service.
Get your car insurance quotes online with RACV.

Types of Car Insurance*

  • Comprehensive

    Cover from Victoria’s most trusted car insurance. Get a quote for your car insurance online now.

  • Complete Care®

    RACV Complete Care® Car Insurance has been named as a winner in the 2018 Mozo Experts Choice Awards for Exceptional Quality Car Insurance.

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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
Accidental 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

^ For Comprehensive up to $80 to and from an RACV Partner Repairer only. Please refer to relevant PDS for terms, conditions, limitations and exclusions.

What you are covered for

  • Car hire after a 'not at fault' collision

    If you are involved in a not 'at fault' collision and can identify the other driver, we provide a hire car until your vehicle is repaired.

  • Cover no matter who's driving

    Feel at ease knowing that any and every driver is protected by your cover.

  • Complimentary taxi

    We'll cover the cost of a taxi up to $80 each way, to and from an RACV Partner Repairer.

Important changes to RACV Car Insurance

RACV Car Insurance policy inclusions ensure we are there for our members when it counts, and make our insurance and claims process as easy, transparent, and convenient for our members as possible. These features have been included as a direct response to recent member feedback and are focused on four key deliverables:


Greater Choice

Members have asked for more flexibility with their policies as a way of keeping their costs down. By introducing a transparent, user-pays option when it comes to which repairer you use should you make a claim, we can fairly reward members who use our RACV Partner Repairer network while still offering ‘choice of repairer’ for those members who value it.

  • You get to choose from over 95 RACV Partner Repairers across Victoria who will deliver great service and a high-quality repair – with all authorised repairs guaranteed for as long as you own your car.
  • RACV Partner Repairers are convenient – about 40 per cent of our network is located in regional and rural areas and the vast majority of our members live within 20 minutes of a partner repairer.
  • We’ve included generous taxi benefits to keep you moving while your car is being repaired by an RACV Partner Repairer, so it’s easy to drop off your vehicle and easy to pick it up again once it has been repaired. We will cover the cost of a taxi (up to $80 each way) from and to an RACV Partner Repairer.
  • You can still choose your own repairer by selecting the ‘Any Repairer’ option with your insurance with us – this allows you to nominate a repairer of your choice for an additional premium.
  • The 'Any Repairer' option can be added at any time to your insurance, except after an incident for which you need to make a claim.

We'll keep you moving

Members have asked us to help them keep their life moving while their car is being repaired and we have made some big changes to assist with this. If you are not ‘at fault’ in a collision and you can identify the driver who was at fault, we’ll arrange and cover the cost of a hire car for you until your car is repaired. This is a new benefit offered under the RACV Comprehensive Motor Insurance and is step-change in how we look after our members. We are one of the first Australian insurers to offer this great benefit.

  • If you are not entitled to a hire car (and you haven’t added the hire car option to your policy) you may be eligible to access our exclusive hire car rates, from $34 a day.
  • We will cover the cost of a taxi (up to $80 each way) from and to an RACV Partner Repairer.

Rating discount

Members have told us the insurance ‘Rating’ structure is confusing and wasn’t working as they expected. To make things simpler, we have removed the ‘Rating’ discount that used to be included in our policies and have done this without impacting the premium we offer you.

  • We will continue to use your age, driving history and any previous claims to offer our best premium to you every time your policy is up for renewal.
  • We will still provide you with a history of how long you have been insured with us and any claims you have made, should you require it.

Premium coverage

In response to member feedback, we have improved our top-of-the-range Complete Care® car insurance policy

  • The Hire Car limit has increased from $88 per day to $100 per day. This gives you greater choice in which hire car you choose until your car is returned to you.
  • In the event of a total loss, total replacement will now be available for cars up to three years old, whereas previously this was only for cars up to two years old.
  • The taxi transport limit has increased to $500 (previously $250) which you can use during the claims process to get you from the scene of an incident, and to or from the car repairer or the hire car company.

* 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.