We take care of just about everything
Everything you expect from our top-of-the-range car insurance policy, and much more
Complete Care® Car Insurance
The ultimate cover for your vehicle, with a host of great features
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Exceptional Quality Car Insurance
RACV Complete Care® Car Insurance has been named as a winner in the 2018 Mozo Experts Choice Awards for Exceptional Quality Car Insurance
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We keep you moving
With great taxi and hire car benefits while your car is being repaired^
What you are covered for
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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
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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
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Hire car until your claim is settled
Up to $100 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
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Taxi transport up to $500 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
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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
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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
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Windscreen cover with no excess
Includes windscreen, window or sunroof glass that’s accidentally or maliciously damaged
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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, Farm, Single Item and Pet Insurance products.
More for you
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Quality repairs by an RACV Partner Repairer
RACV Partner Repairers have the skills and technology to deliver the highest quality repairs and we can manage the entire repair process for you to get you back on the road fast. You can also choose your own repairer if you would like to
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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
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Replacement if your car is a total loss and less than three 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 three years old and owned from new
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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
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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
*For policies taken out before 15 October 2017 or with a renewal date before 27 November 2017, different limits apply. Please refer to Complete Care PDS for terms and conditions
^ Covers the cost of a taxi up to $80 each way, from and to an RACV Partner Repairer
RACV saves you money with our Years of Membership Benefits discounts
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Bronze
5-9 years5%
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Silver
10-24 years10%
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Gold
25-50 years15%
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Gold 50
51+ years20%
Product Disclosure Statements, Premium, Excess, Discounts and Benefit Guides
RACV Complete Care® Motor Insurance Product Disclosure Statement
RACV Motor Insurance Product Disclosure Statement and Policy Booklet 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.
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 20 March 2017 and renewal policies with a start date on or after 1 May 2017 and new business policies with a start date before 15 October 2017 and renewal policies with a start date before 27 November 2017.
RACV Complete Care® Motor Insurance Product Disclosure Statement and Policy Booklet and Supplementary Product Disclosure Statement 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
RACV Motor Insurance Product Disclosure Statement
RACV Motor Insurance Product Disclosure Statement and Policy Booklet 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.
RACV Motor Insurance Product Disclosure Statement and Policy Booklet and Supplementary Product Disclosure Statement 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 and new business policies with a start date before 15 October 2017 and renewal policies with a start date before 27 November 2017.
RACV Motor Insurance Product Disclosure Statement and Policy Booklet and Supplementary Product Disclosure Statement 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
Summary of RACV Motor Insurance changes
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 24 August 2018 and renewal policies with a start date on or after 1 October 2018.
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.
RACV Motor Premium, Excess, Discounts and Benefits Guide 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 before 8 December 2017 and renewal policies with an effective date before 21 January 2018.
RACV Motor Insurance Premium, Excess, Discounts and Benefits Guide for policies with a new business or renewal start date on or after 17 July 2017 and new business policies before 15 October 2017 and renewal policies with an effective date before 27 November 2017.
RACV product brochures
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.
Complete Care® Motor Insurance for new business policies and renewal policies with a start date on or after 7 December 2008.
*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.