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Every year more than 1 million Victorians choose RACV Insurance. And it’s no wonder. After all, we set out to offer excellent value for money and the very best in service.
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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 Discount and Years of Membership Benefits.
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RACV rewards loyalty
The longer you are with RACV the more you save. If you have certain other RACV products, you can save even more with RACV's Multi-Policy Discount on insurance products.
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24/7 claims assistance online
Claim onlineWith RACV Motor Insurance we have your back.
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24/7 claims assistance by phone
Call to make a claim on 13 19 03Make a claim 24 hours a day, 7 days a week.
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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 for car hire if your car is stolen.
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Hire car after a not 'at fault' collision
If you are involved in a 'not at fault' collision and can give us the name and address of the other driver, we will arrange a hire car until your vehicle is repaired or we pay the claim. 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
Our retail stores 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
Your policy covers personal items if they're stolen or damaged in an incident up to $500. Some exclusions apply.
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Car replacement if your car is a total loss and less than two years old
Where available 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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Liability cover 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. Limitations and exclusions apply.
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%
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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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Choose between agreed or market value
It’s up to you – we can agree your car's value up-front or assess your car's value at the time of the incident, including GST and on-road costs. In the event of a total loss, deductions will apply.
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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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Towing from incident
Under our Complete Care® and Comprehensive policies you are covered for one tow from the scene of the incident to the nearest place of repair or safety.
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Aussie Assist personal emergency assistance included
Contact us to see if Aussie Assist can help if you or your family have an emergency more than 100km from home.
RACV Motor Insurance Product Disclosure Statement
RACV Motor Insurance Product Disclosure Statement and Policy Booklet for policies with a start date on or after 19 May 2019 and renewal policies with a start date on or after 29 June 2019.
RACV Motor Insurance Product Disclosure Statement and Policy Booklet and Supplementary Product Disclosure Statement 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 with a start date before 19 May 2019 and renewal policies with a start date before 29 June 2019.
RACV Motor Insurance Premium, Excess, Discounts and Benefits Guides
RACV Motor Insurance Premium, Excess, Discounts and Benefits Guide for policies with a start date on or after 19 May 2019 and renewal policies with a start date on or after 30 June 2019.
RACV Motor Premium, Excess, Discounts and Benefits Guide for policies with a start date on or after 24 August 2018 and renewal policies with a start date on or after 1 October 2018 and new business policies with a start date before 19 May 2019 and renewal policies with a start date before 30 June 2019.
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 and new business policies with a start date before 24 August 2018 and renewal policies with a start date before 1 October 2018.
RACV product brochure
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 19 May 2019 and renewal policies with a start date on or after 30 June 2019.
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 and new business policies with a start date before 19 May 2019 and renewal policies with a start date before 30 June 2019.
Complete Care® Motor Insurance for new business policies with a start date on or after 19 May 2019 and renewal policies with a start date on or after 30 June 2019.
Complete Care® Motor Insurance for new business policies and renewal policies with a start date on or after 7 December 2008 and new business policies with a start date before 19 May 2019 and renewal policies with a start date before 30 June 2019.
Financial services guide
# Additional excess applies for drivers under 25 or with less than 2 years driving experience.
^ Covers the cost of a taxi up to $80 each way, from and to an RACV Partner Repairer.
* 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.
** On existing policies discount takes effect at next renewal. Excludes Travel, Business, Farm, Single Item and Pet Insurance products.