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.
What does RACV Comprehensive Car Insurance cover?
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Need to make a claim?
If you’ve recently been involved in a road accident and need to make a claim, you can lodge one online or call 13 19 03.
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Review policy information
For full details on how you’re covered, read the Motor Insurance 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.
Does this policy cover anyone who has permission to drive the vehicle?
Yes, as long as they have a valid driver’s licence. Additional excesses may apply for drivers under 25 and inexperienced drivers.
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 or Complete Care® 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.
What is the cost of Comprehensive Car Insurance for under 25s?
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.
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All the inclusions of Comprehensive Insurance, plus vehicle pick up and return after an accident, taxi fares, emergency accommodation when more than 100km from home, and more.
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Cover for unintentional collision damage to other people’s property (including vehicles), where you are fully or partly at fault, as well as if your car is stolen or damaged by a fire.
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From flat tyres and empty petrol tanks to lock-outs and flat batteries, we’re here to help. Drive with total peace of mind when you purchase one of our roadside assistance products.
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Choose from over 95 RACV Partner Repairers across Victoria who will deliver great service and high-quality repairs. Plus, we’ll guarantee the workmanship on all authorised repairs for as long as you own your car.
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Compare our wide range of finance options to see how we can help you hit the road sooner.
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Find Your Local Fuel Prices
Want to know where to get the best price on petrol? Check out our Victoria-wide fuel prices page to secure the best petrol price near you.
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Car Safety Advice & Information
Vehicle safety technology is common in many modern cars. Find out more about how these technologies keep you and your family safe.
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What to do if your car is damaged by hail
Tips on what to do if you’re caught driving in a storm, how to prepare when a storm is forecast, and how to deal with a hail-damaged car.
* Complete Care® and Comprehensive policies only.
† Comprehensive, Third Party, and Third Party Fire and Theft policies only.
The information provided is general advice only, so before making any decisions please consider your own circumstances and the Product Disclosure Statement. For a copy, please call 13 RACV (13 72 28) or visit racv.com.au.
RACV Insurance policies are distributed to members of Royal Automobile Club of Victoria (RACV) Ltd by RACV Insurance Services Pty Ltd ABN 74 004 131 800 AFS Licence No. 230039.
RACV Motor, Home, Landlord, Veteran, Vintage & Classic Vehicle, Caravan & Trailer, Motorcycle and Boat Insurance 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.