Great features and benefits
Accidental damage, fire and theft cover included, with loads of great additional benefits
All-inclusive cover from the provider of Victoria’s most trusted car insurance
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Flexible, to meet your needs
Choose how your car is valued, the extras you want, and how you wish to pay
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Range of great discounts
We reward good driving, and offer Flexi Excess, Multi-Policy and Years of Membership Benefits
What you are covered for
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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
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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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Car replacement if your car is a total loss and less than two years old
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
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Hire car if your car is stolen
Up to $50 a day (for a maximum of 21 days), plus $2000 cover for excess or bond if you have an incident in the hire car. Option to add hire car cover following an incident
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$500 for personal items
For loss or damage in your vehicle following an incident we cover, except from theft or attempted theft
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Baby capsules and child seats
$500 per item if stolen or damaged in an incident we cover
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 and Farm Insurance products.
More for you
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Choose between agreed or market value for your car
It's up to you – we can agree your car's value up-front or assess it at the time of the incident, including GST and on-road costs
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Lifetime guarantee on authorised repairs
If you use one of RACV’s authorised repairers, we’ll guarantee the workmanship of repairs for the life of your vehicle
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24/7 claims service - 13 19 03
We’re there for you when you need us
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Towing from the incident included
One tow from the scene of the incident to the nearest RACV-partnered repairer, your nominated repairer, a customer management centre or place of safety
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Easy payment options
Save money by paying annually, or pay by the month. It’s your call
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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
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 Complete Care® Motor Insurance Product Disclosure Statement and Policy Booklet 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.
RACV Complete Care® Motor Insurance Product Disclosure Statement and Policy Booklet 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 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.
RACV Motor Insurance Product Disclosure Statement and Policy Booklet 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.
RACV Motor Insurance Premium, Excess, Discounts and Benefits Guides
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.
RACV Motor Insurance Premium, Excess, Discounts and Benefits Guide 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 or renewal policies with a start date before 17 July 2017.
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.