Complete Care® Car Insurance covers all the things you’d expect from comprehensive cover, plus extra inclusions like emergency accommodation, pet assistance, no excess for windscreen, sunroof and window glass repairs and more. It’s the highest level of RACV Motor Insurance available.

Key inclusion:

New replacement vehicle if yours is considered a total loss, RACV Insurance agrees to pay your claim, the vehicle was purchased new and the incident occurred within the first 3 years of its registration.

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.

Multi policy discount

Get 10% off when you take out two or more eligible insurance policies.*

What does Complete Care® Car Insurance cover?

With an RACV Complete Care® Car Insurance policy, you'll be covered for a range of events. Here’s a summary of what’s included:
  • Loss or damage to your vehicle caused by an accident, flood, fire, malicious act, storm, theft or attempted theft.
  • Hire car after an incident or theft until your vehicle is repaired and returned to you.
  • Pet assistance in the event you’re involved in an incident more that 100km from home and need to stay in pet-friendly accommodation.
  • Cover for windscreen, sunroof and window glass damage as a result of an incident, without any excess payment.
  • Vehicle towing, pickup and return if you’re involved in an incident.
  • Liability cover up to $20 million for unintentional collision damage to someone else’s vehicle or property.
  • New replacement vehicle if RACV Insurance considers your vehicle to be a total loss and agrees to pay your claim. Conditions apply.
  • Any licenced driver (including learners) with permission to drive your vehicle will be covered. Additional excess may apply to inexperienced drivers or drivers under 25.

This is only a summary of the inclusions for Complete Care® Motor Insurance. For more information, such as conditions, limits and exclusions, please read the Product Disclosure Statement.

  • Accommodation rates beyond the cost of the room (such as mini bar costs)
  • Veterinary costs if your pet is injured.
  • Running costs of a hire car, such as petrol or tolls.
  • Loss or damage to a hire car.
  • Liability from the use of a hire car.
  • A hire car arranged by you, unless RACV Insurance approved it beforehand.

For more information on General Exclusions and items not included in your cover, refer to the Product Disclosure Statement.

What’s the difference between Comprehensive and Complete Care® Insurance?

Here is a summary of the main differences in cover:

Summary of Cover

Summary of Cover


Complete Care®

No extra to pay by the month
Vehicle pick up and return
Emergency accommodation 100km from home
Post repair vehicle inspection for authorized repairs
Pet assistance
Cover for unintentional collision damage to your vehicle
Cover for theft, fire, flood, storm or a malicious act
Agreed value


There are also some differences in the amount of value you will be covered for with certain inclusions; for example, with Complete Care® you’re covered for up to $100 per day for a hire car after an accident until your claim is settled, whereas it is only $60 per day for up to 14 days with Comprehensive Car Insurance.

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.

What is agreed value and market value?

Market Value is an assessment of the value of the vehicle at the time of the incident based on its age and condition. Because it is not a fixed amount, you won’t know how much compensation you’ll receive if you need to make a claim.

Agreed value is the amount you will be reimbursed in the event of a claim where your car is in which your car is declared a total loss and is agreed on by you (the car owner) and the insurer. The agreed value amount is agreed upon by the car owner and their insurer. Because it is a fixed amount, it provides more certainty on what compensation you can expect if your car is considered a write off after an accident.

You can only choose between agreed and market value if you purchase a Comprehensive Car Insurance policy.

† Complete Care® and Comprehensive policies only.

* The Multi-Policy Discount and Years of Membership Benefits exclude Travel, Business and Farm Insurance products. To qualify for the Multi-Policy Discount, you must hold two eligible RACV Insurance policies. For further details, see the Premium, Excess and Discounts guide at Discounts will only be applied until any applicable minimum premium is reached. On renewal, any increases or decreases in your premium may be limited by factors such as your previous year’s premium. You may not save more with more eligible policies and by staying with RACV Insurance longer if a minimum premium is reached, or limits have been applied to increases or decreases in your premium.

The information provided is general advice only. Before making any decisions please consider your own circumstances and the Product Disclosure Statement and Target Market Determinations.  For copies, visit As distributor, RACV Insurance Services Pty Ltd AFS Licence No. 230039 receives commission for each policy sold or renewed. Product(s) 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.