Comprehensive Insurance offers protection to help cover costs 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.^
Go with the standard inclusions, or add optional extras to suit your needs and budget — like hire car cover, windscreen cover with no excess or pick your own licensed repairer.¹
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.
RACV Comprehensive Car Insurance offers cover for a range of events. Here’s a summary of what’s included:
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.
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.
For associated conditions, see the Product Disclosure Statement.
Cover if your car is damaged by fire or stolen. Plus, for unintentional collision damage to other people’s property and vehicles.
Basic cover for unintentional collision damage to other people’s property and vehicles.
You can make a claim 24/7 in the app, online or by phone.
You can view policy documents, or update your personal details and payment methods online.
Agreed value
This is how much RACV Insurance agrees to insure your vehicle for. You can choose from within a value range, and it remains fixed for the term of the policy.
At renewal, RACV Insurance considers the changes in your vehicles agreed value using local market values. Check your renewal notice for any changes.
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.
For more information on what’s included in your agreed or market value, check the Product Disclosure Statement.
You can only choose between agreed value and market value if you purchase a Comprehensive Car Insurance policy.
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.
Yes, as long as they have a valid driver’s licence. Additional excesses may apply for drivers under 25 and inexperienced drivers.
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.
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.
Your insurance premium generally reflects the likelihood of a claim being made on your policy in the future and a number of other factors. Call us for a quote on 13 72 28 or get a quote online.
* The Multi-Policy Discount and Years of Membership Benefits exclude Travel, Business and Farm Insurance products. To qualify for the Multi-Policy Discount, you must hold two eligible RACV Insurance policies. For further details, see the Premium, Excess and Discounts guide at racv.com.au. Discounts will only be applied until any applicable minimum premium is reached. On renewal, any increases or decreases in your premium may be limited by factors such as your previous year’s premium. You may not save more with more eligible policies and by staying with RACV Insurance longer if a minimum premium is reached, or limits have been applied to increases or decreases in your premium.
^ Additional excess applies to drivers under 25 or with less than 2 years' driving experience
1 Complete Care® and Comprehensive policies only.
2 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.
† 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.
