RACV Comprehensive Car Insurance

Comprehensive cover for damage to your vehicle and unintentional collision damage to other people’s property.

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Comprehensive Insurance protects you from potentially hefty bills in the event of an accident. Regardless of who is at fault, you and anyone permitted to drive your vehicle, will be covered for collision damage to your vehicle and other people’s property.

Key inclusion:

Hire car cover if your vehicle can’t be driven after a not-at-fault collision until it’s repaired, or your claim is settled. The name and address of the driver at-fault has to be provided to RACV Insurance.

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.

Pay annually

Save on the price of your premium when you pay annually.†

What does RACV Comprehensive Car Insurance cover?

With an RACV Comprehensive 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 a not-at-fault collision if your car is unsafe to drive or is in for repairs. The at-fault driver’s details must be provided.
  • Liability cover up to $20 million for damage to someone else’s vehicle or property.
  • Up to $500 for personal items if they’re stolen with your vehicle or damaged in an incident. Some exclusions apply.
  • New replacement vehicle where available if your vehicle is up to 2 years old and RACV Insurance considers it to be a total loss and agrees to pay your claim.
  • 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 RACV Comprehensive Insurance. For more information, such as conditions, limits and exclusions, please read the Product Disclosure Statement. 

  • 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. 

For added peace of mind, you can choose to boost your cover with optional extras. If you do this, you’ll need to pay more on your premium.

Hire Car regardless of who is at fault
Under Comprehensive Insurance, you’re covered for a hire car for not-at-fault collisions if you can provide the details of the at-fault driver, as well as theft or attempted theft of your vehicle. By adding this option, you’ll be covered for a hire car regardless of who is at fault.

Windscreen cover with no excess
If you add this option, you won’t need to pay any excess when only your vehicle’s windscreen, sunroof or window glass is damaged as a result of an incident.

Any repairer
Under Comprehensive Insurance, RACV Insurance will arrange for an RACV Partner Repairer to fix your vehicle. If you choose this option, you can pick any licensed repairer to fix your vehicle.

For associated conditions, see the Product Disclosure Statement.

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

Complete Care® Car Insurance has the following inclusions:

  • Vehicle pick up and return from the scene of the accident to a repairer; or from your home or work to the repairer and back again

  • Post repair vehicle inspection for authorised repairs

  • Pet assistance to transport your furry friend home or to safety if it is with you at the time of an incident

  • Emergency accommodation

  • Pay by the month at no extra cost.

There are also some differences in the amount of value you’ll be covered for. For example, with Complete Care® Insurance you’re covered for up to $100 per day for a hire car after an accident until your claim is settled, which is a higher amount than Comprehensive Insurance.

This is only a summary of the differences between 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.

What can you claim on Comprehensive Car Insurance?

Comprehensive Insurance can protect you from loss or damage to your vehicle caused by any of the following incidents: an accident including a collision, flood, fire, malicious act, storm, theft or attempted theft, as well as damage you cause to other people's property.

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

Do I need Comprehensive Car Insurance?

Comprehensive car Insurance protects you from potentially hefty bills in the event of an accident. Regardless of who is at fault, you and anyone permitted to drive your vehicle, will be covered for collision damage to your vehicle and unintentional collision damage to other people’s property.

If you only want to purchase insurance cover for damage you cause to other people’s property, then you may wish to purchase a Third Party Fire & Theft, or Third Party Property Damage Insurance policy. 

* Complete Care® and Comprehensive policies only.
† Comprehensive, Third Party, and Third Party Fire and Theft policies only.

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.

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.