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

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  • We take care of just about everything

    Everything you expect from our top-of-the-range car insurance policy, and much more

  • More flexibility

    Choose your excess or remove it. Pay annually or by the month for no additional charge

  • Dedicated 24/7 claims line

    To get you back on track as quickly as possible, with minimum fuss and inconvenience

Complete Care® is RACV’s ultimate comprehensive car insurance policy, covering accidental damage to your car and damage or loss from fire, theft, flood, storm and malicious acts. It includes a host of great additional benefits to make your life easier.

What you are covered for

  • Fully comprehensive, so you don’t need to worry

    Includes cover for accidental damage to your car and loss or damage from fire, theft, flood, storm or a malicious act

  • Up to $20 million for damage to someone else’s vehicle or property

    Covers your liability if your car is involved in an incident. For example, if you are ‘at fault’ and someone else’s vehicle or property is damaged

  • Hire car until your claim is settled

    Up to $88 a day for a hire car until your car is returned, and up to $3000 cover for the excess and bond if you have an incident in any car you hire

  • Taxi transport up to $250 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. You choose how you use it

  • Towing costs are covered for pickup and return to you

    We arrange for a tow truck to pick up your car following an incident, take it to the repairer, and then back to you. These costs are all covered

  • Emergency accommodation when you need it

    Up to 10 nights accommodation at up to $150 a night if you are involved in an incident we agree to cover more than 100kms from home

  • Windscreen cover with no excess

    Includes windscreen, window or sunroof glass that’s accidentally or maliciously damaged

  • Personal items are covered too

    Up to $1000 for the repair or replacement of personal items in your car that are damaged or stolen during an incident

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. 

More for you

  • Choice of repairer

    You can choose your repairer, and all authorised repairs are guaranteed for the car’s life. Your assessor will explain the repairs before your car is returned

  • Agreed value – so you know where you stand

    We agree on the amount your car is insured for when you take out your insurance - that’s what you’ll get in the event of a total loss

  • Replacement if your car is a total loss and less than two years old

    You can choose to have your car replaced with a brand new car of the same make and model if you have a total loss, and your car is less than two years old and owned from new

  • Pet assistance and emergency pet accommodation

    If an incident we cover occurs more than 100km from home, we will arrange for pets in the car to be taken to a place of safety. If you need emergency accommodation, we’ll cover the cost of pet-friendly accommodation (up to $50 a night) if more than 100km from home

  • Aussie Assist personal emergency assistance included

    If you or your family dependent have an emergency more than 100km from home, Aussie Assist can help – and you don’t even have to be with your car to use it

RACV saves you money with our Years of Membership Benefits discounts

  • Bronze
    5-9 years

    5%

  • Silver
    10-24 years

    10%

  • Gold
    25-50 years

    15%

  • Gold 50
    51+ years

    20%

Product Disclosure Statements, Premium, Excess, Discounts and Benefit Guides

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 20 March 2017 and renewal policies with a start date on or after 1 May 2017.

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RACV Complete Care® Motor Insurance Product Disclosure Statement and Policy Booklet for new business policies with a start date on or after 22 March 2015 and renewal policies with a start date on or after 11 May 2015 and new business policies with a start date before 20 March 2017 and renewal policies with a start date before 1 May 2017.

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RACV Motor Insurance Product Disclosure Statement

RACV Motor Insurance Product Disclosure Statement and Policy Booklet for new business policies with a start date on or after 18 December 2016 and renewal policies with a start date on or after 23 Jan 2017.

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RACV Motor Insurance Product Disclosure Statement and Policy Booklet for new business policies with a start date on or after 22 March 2015 and renewal policies with a start date on or after 11 May 2015 and new business policies with a start date before 18 December 2016 and renewal policies with a start date before 23 January 2017.

Download

RACV Motor Insurance Premium, Excess, Discounts and Benefits Guides

RACV Complete Care® Motor Insurance Premium, Excess, Discounts and Benefits Guide for policies with a start date on or after 20 March 2017 and renewal policies with a start date on or after 1 May 2017.

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RACV Motor Insurance Premium, Excess, Discounts and Benefits Guide for policies with a start date on or after 18 December 2016 and renewal policies with a start date on or after 23 January 2017 and new business policies with a start date before 20 March 2017 and renewal policies with a start date before 1 May 2017.

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RACV Motor Insurance Premium, Excess, Discounts and Benefits Guide for policies with a start date on or after 17 January 2016 and renewal policies with a start date on or after 7 March 2016 and new business policies with a start date before 18 December 2016 and renewal policies with a start date before 23 January 2017.

Download

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 28 September 2008 or renewal policies with a start date on or after 10 November 2008.

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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.

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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.