Comprehensive Car Insurance

Cover with more

Victoria's most trusted insurance

Every year more than 1 million Victorians choose RACV Insurance. And it’s no wonder. After all, we set out to offer excellent value for money and the very best in service.

  • Cover with more

    Accidental damage, fire and theft cover included, with great additional benefits such as no need to name additional drivers#.

  • We keep you moving

    Generous taxi and hire car benefits to keep you moving while your car is being repaired by an RACV Partner Repairer^.

  • Comprehensive cover, 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.

  • Hire car if your car is stolen

    Up to $60 a day for a maximum of 21 days for car hire if your car is stolen.

  • Hire car after a not 'at fault' collision

    If you are involved in a 'not at fault' collision and can give us the name and address of the other driver, we will arrange a hire car until your vehicle is repaired or we pay the claim. You can also add hire car cover following all other incidents.

  • Taxi to and from an RACV Partner Repairer

    We'll cover the cost of a taxi up to $80 each way, from and to an RACV Partner Repairer.

  • We keep things simple

    Our retail stores are located in Victoria, there's no need to name additional drivers# and no limit on how far you drive.

  • $500 for personal items

    Your policy covers personal items if they're stolen or damaged in an incident up to $500. Some exclusions apply.

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

    Where available you can choose to have your car replaced with a 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.

  • Liability cover 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. Limitations and exclusions apply.

  • Towing from incident

    Under our Complete Care® and Comprehensive policies you are covered for one tow from the scene of the incident to the nearest place of repair or safety.

  • Aussie Assist personal emergency assistance included

    Contact us to see if Aussie Assist can help if you or your family have an emergency more than 100km from home.

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 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 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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# Additional excess applies for drivers under 25 or with less than 2 years' driving experience.
^ Covers the cost of a taxi up to $80 each way, from and to an RACV Partner Repairer.

* 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. 

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