RACV Motor Insurance for Non-Members

Get more than ever before

  • 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.

Over 750,000 Victorians feel safe and sound with us.

Levels of cover

  • Comprehensive

    All-inclusive cover from the provider of Victoria’s most trusted car insurance

  • Complete Care®

    Our ultimate cover, where we take care of just about everything

  • Third Party Fire and Theft

    When you want intermediate car insurance with great benefits

  • Third Party Property Damage

    Basic car insurance with the service you expect from RACV

  • Veteran, Vintage and Classic

    Specialised comprehensive insurance for your extra-special car

Car Insurance comparison

Summary of Cover

Summary of Cover

Complete Care®

Comprehensive

Third Party Fire and Theft

Third Party Property Damage

Accidental damage to your vehicle
Fire and theft or attempted theft
Flood, storm or a malicious act
Towing
Liability cover up to $20 million
Hire car after a not 'at fault' collision
Hire car after a theft or attempted theft
Hire car after any other incident

Optional

No excess for windscreen, sunroof and window glass

Optional

Any Repairer option

Optional

New replacement vehicle
Theft of personal items
Emergency repairs
Emergency accommodation
Trailer or caravan damage
Baby capsules and child seats
Aussie Assist
Taxi fares*
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

This table applies to policies taken out from 15 October 2017 or with a renewal date from 27 November 2017.  Please refer to relevant PDS for terms, conditions, limitations and exclusions.

The more insurance policies you have with us, the more you could save. Like when you take out two or more RACV insurance policies and receive 10% off each.

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

RACV Members get all the perks. Save on everything from tickets, to holidays, to groceries and more.

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 Premium, Excess, Discounts and Benefits Guide for policies with a start date on or after 8 December 2017 and renewal policies with a start date on or after 21 January 2018 and new business policies with a start date before 24 August 2018 and renewal policies with a start date before 1 October 2018.

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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.