Our highest level of cover, best if you want premium protection with more inclusions.
The ultimate protection for your car
With more inclusions, so that you can drive with confidence.
Award-winning cover with great benefits
RACV Car Insurance: 2025 winner of WeMoney’s Best for Member Benefits Car Insurance.
RACV Complete Care®: 2025 winner of the Mozo Expert Choice Awards: Exceptional Quality Car Insurance.+
What’s included with Complete Care®
- Included
- Not included
For full details of what is and isn’t covered, see the Product Disclosure Statement. For further details on how we calculate your premium, excess levels and discounts, see the Premium, Excess and Discounts guide (PED).
Here are some examples of what’s not covered by RACV Complete Care® Insurance.
For full details of what is and isn’t covered, see the Product Disclosure Statement. For further details on how we calculate your premium, excess levels and discounts, see the Premium, Excess and Discounts guide (PED).
Types of incidents you can claim for
Insured events you can claim for if they impact your car. For all limits, conditions and exclusions, check the Product Disclosure Statement.
Compare similar levels of cover
This is a summary only. For a full list of inclusions, conditions, limits and exclusions, read the Product Disclosure Statement.
EVs and hybrids, covered
Enjoy more benefits for your electric car when you take out a policy and become an RACV Member.
Cover for cables and adaptors that come with your car
Save 10% on public charging at participating Chargefox stations*
Get access to our EV and hybrid-qualified partner repair network
Lock in your car's agreed value, to help avoid surprises at claim-time
Frequently asked questions
With RACV Insurance, you can insure your car for the market value or agreed value, depending on your policy.
Market value
This is an assessment of your vehicle’s value at the time of an incident you’re making a claim for. It considers local market prices and the age and condition of your vehicle. You’ll get market value with these policies:
- Comprehensive (choice of market or agreed value)
- Third Party Fire and Theft
- Third Party Property Damage
Agreed value
This is how much RACV Insurance agrees to insure your vehicle for during the term of your policy. You can choose from within a value range. You’ll get agreed value with these policies:
- Complete Care®
- Comprehensive (choice of agreed or market value)
Renewing your policy
RACV Insurance considers the changes in your vehicles agreed value using local market values. Check your renewal notice for any changes.
For more information on what’s included in your agreed or market value, check the Product Disclosure Statement.
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No matter who’s driving, RACV Motor Insurance covers all licensed drivers provided they meet policy conditions and have your permission to drive your vehicle.^
You don’t need to list all additional drivers using your vehicle, but it’s worth considering based on how frequently others drive it and any additional excesses that may apply to unlisted drivers.
Your car insurance premium may change if another driver is listed on your policy.
If an unlisted driver is found at fault for an incident while driving your vehicle, you may have to pay an additional excess on top of your basic excess.
For further details on excess charges based on your policy, read the Premium, Excesses and Discounts Guide (PED).
Add drivers to your policy in the RACV App
- Download the RACV App
- Tap on ‘my products’
- Tap on your policy and then ‘view and manage policy’
- Under ‘Manage your policy’ tap ‘add, remove or edit drivers’
- Tap ‘edit’ and update driver details.
Add drivers to your policy in your online account
- Log in to your online account
- Click on your policy
- Scroll to ‘the drivers’ section
- Click ‘edit’ and update driver details.
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You can choose your own repairer with Complete Care® Car Insurance, or you can add this option to Comprehensive Car Insurance policies. It’s not available with Third Party Car Insurance policies.
If you choose to arrange your own repairer, make sure you have selected an authorised repairer who meets industry standards. If anything goes wrong (like faulty work), it won’t be covered in your policy.
Using RACV’s Repair Network
Your RACV Car Insurance includes access to more than 90 high-quality partner repairers.
These businesses quote, assess and provide quality repairs for your car. Plus you’ll get a lifetime guarantee on workmanship of any repairs authorised by RACV Insurance, as long as you’re the owner of the vehicle.
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^ Provided they meet policy conditions and have your permission to drive your vehicle. Additional excess applies to drivers under 25 or with less than 2 years' driving experience.
+ RACV Complete Care® Car Insurance recognised in Mozo Experts Choice Awards 2025 - more information on the awards research methodology at https://mozo.com.au.
# RACV Insurance will pay hire car costs after a collision with another vehicle if RACV Insurance is satisfied you’re not at fault and you provide the details of the at-fault driver, including their name and residential address.
~ If you purchased a new or demonstrator vehicle weighing less than 2.5 tonnes, RACV Insurance considers it a total loss, a similar replacement vehicle is available in Australia and any credit provider noted on your Certificate of Insurance agrees. Further conditions apply. See the Product Disclosure Statement for details.
* The Offer: 10% off the Retail Charging Price at all Chargefox ultra-rapid sites. The Offer only applies to the Retail Charging Price. Other fees and charges may apply. The Offer is only available at participating Chargefox ultra-rapid sites. For participating locations please download the Chargefox app. Where an RACV Member is also entitled to a discount via a vehicle manufacturer partnership with Chargefox (see here), they will receive a minimum of 50% off the Retail Charging Price. The Offer can only be activated by current RACV Members who have completed the following steps prior to charging their vehicle:
(a) Downloaded or updated the Chargefox app (on a compatible smartphone).
(b) Logged into the Chargefox app and added their credit card information and a valid RACV Membership number in their profile.
Discounts cannot be applied after a charge session has begun or has been completed. The Offer may be withdrawn at any time and without notice. RACV accepts no responsibility in respect to any damage or loss to a member caused through their use of, or lack of availability of Chargefox equipment to charge their vehicle. Members should review the Chargefox terms and conditions and privacy policy.
These terms and conditions are subject to change from time to time. Please read the latest RACV Member benefits terms and conditions. View a copy of Chargefox’s full terms and conditions.
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 racv.com.au. 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.