Cover with more
Accidental damage, fire and theft cover included, with great additional benefits such as no need to name additional drivers
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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
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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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Hire car if your car is stolen
Up to $60 a day for a maximum of 21 days if your car is stolen. Plus $2,000 cover for excess or bond if you have an incident in the hire car
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Hire car after a not 'at fault' collision
If you are involved in a not 'at fault' collision and can identify the other driver, we provide a hire car until your vehicle is repaired. You can also add hire car cover following all other incidents
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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
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We keep things simple
All our call centres and shops are located in Victoria, there's no need to name additional drivers# and no limit on how far you drive
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$500 for personal items
For loss or damage in your vehicle following an incident we cover
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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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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
# Additional excess applies for drivers under 25 or with less than 2 years driving experience
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 and Single Item 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
We’ll guarantee the workmanship on all authorised repairs for as long as you are the owner of the 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 Partner Repairer, your nominated repairer, a customer management centre or place of safety
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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.
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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 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 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.