How can I check if my car is still insured?

You can check if your RACV Car Insurance policy is still active by registering and/or logging into your RACV account online, or by calling us.

RACV Car Insurance

Q: Can I register and and insure a car without a driver's license?

You don’t necessarily need to hold a driver’s license to insure a car. However, every situation and circumstance is different. To better understand your eligibility for RACV Motor Insurance, call our friendly team for a chat on 13 72 28.

Q: How can I calculate my car insurance premium?

Contact us for a quote on 13 72 28 or complete a quote online.

Choose from a range of great-value car insurance options

Retrieve a quote

Get a quote

I'm interested in...
Products
Comparison
Frequently asked questions

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 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.
Need to make a claim?

If you’ve recently been involved in a road accident and need to make a claim, you can lodge one online or call 13 19 03.

Customer care

Our Australian-based consultants are always here to help you.

Flexi excess discount

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

Exclusive savings

RACV Members save with discounted attraction tickets, gift cards, and special prices on local travel.

Pay annually

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

Summary of Cover

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.

If you choose to add optional extras to your cover, you'll need to pay more on your premium.}

How can I calculate my car insurance premium?

What can I claim on my car insurance?

What you can claim on your car insurance varies by policy. Use our comparison tool to compare the different levels of cover provided by RACV Car Insurance and learn more about what you can claim.

Can I transfer insurance from one car to another?

If you would like to transfer your car insurance to another vehicle, the same level of cover is required and there cannot be a current claim or total loss on the replacement vehicle.

What is the best car insurance for young or first-time drivers?

The ideal insurance for first-time drivers depends on multiple factors, including your individual needs for coverage. Generally, the higher the level of cover, the more costly your car insurance is likely to be.

Can I register and and insure a car without a driver's licence?

You don’t necessarily need to hold a driver’s licence to insure a car. However, every situation and circumstance is different. To better understand your eligibility for RACV Motor Insurance, call our friendly team for a chat on 13 72 28.

Find Your Local Fuel Prices

Want to know where to get the best price on petrol? Check out our Victoria-wide fuel prices page to secure the best petrol price near you.
Car Safety Advice & Information

Vehicle safety technology is common in many modern cars. Find out more about how these technologies keep you and your family safe.
What to do if your car is damaged by hail

Tips on what to do if you’re caught driving in a storm, how to prepare when a storm is forecast, and how to deal with a hail-damaged car.

^{* Complete Care® and Comprehensive policies only.

† Comprehensive, Third Party and Third Party Fire and Theft policies only.}

^{The information provided is general advice only, so before making any decisions please consider your own circumstances and the Product Disclosure Statement. For a copy, please call 13 RACV (13 72 28) or visit racv.com.au.

RACV Insurance policies are distributed to members of Royal Automobile Club of Victoria (RACV) Ltd by RACV Insurance Services Pty Ltd ABN 74 004 131 800 AFS Licence No. 230039.

RACV Motor, Home, Landlord, Veteran, Vintage & Classic Vehicle, Caravan & Trailer, Motorcycle and Boat Insurance issued by Insurance Manufacturers of Australia Pty Ltd, ABN 93 004 208 084, AFS Licence No. 227678.}

^{R.A.C.V. Finance Limited ABN 82 004 292 291 Australian Credit Licence No. 391488. RACV Finance is subject to RACV lending criteria. Conditions, fees and charges apply.}

RACV Car Insurance

Cover when you need it

Need to make a claim?

Why choose RACV Car Insurance

Customer care

Flexi excess discount

Exclusive savings

Pay annually