Our highest level of cover, best if you want premium protection with agreed value, extensive benefits and support.
Award-winning car insurance for Victorians
Trusted on the road since 1903. Explore cover to protect your own car or third parties from loss or damage.
Exceptional quality cover with great benefits
RACV Car Insurance: 2025 winner of WeMoney’s Best for Member Benefits Car Insurance.
RACV Complete Care®: 2025 winner of the Mozo Expert Choice Awards: Exceptional Quality Car Insurance.+
Compare options to protect your car
Tailor your car insurance quote with flexible cover. This is a summary only. For a full list of inclusions, conditions, limits and exclusions, read the Product Disclosure Statement.
Complete Care®
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No limit applies after not-at-fault collision. Up to $100/day until claim is settled as a result of a theft, attempted theft or any other incident.
Most popular
Comprehensive
Best if you want broad cover for your car and other’s – including accidents and theft – plus flexible options for your policy.
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No limit applies after not-at-fault collision. Up to $60/day for up to 21 days after a theft or attempted theft. Option to add cover for other incidents.
Third Party Fire and Theft
Best if you only need limited cover for damage to third parties (up to $10,000 market value), plus fire and theft damage to your vehicle.
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Up to $60/day if you can’t drive your vehicle as a result of theft or attempted theft.
Third Party Property Damage
Best if you only need essential cover for damage to other vehicles or property.
Looking for more specialised cover?
Enjoy more discounts with RACV
With living costs on the rise, we’re here to help you insure what matters most while protecting your wallet.
Stay connected and get support
Members can easily check policies or get quotes in the RACV App.
24/7 claims online, or get help from our team.
View your policy and access your documents anytime.
Keep track of upcoming payments and view your payment history.
Save on fuel, shopping, attractions and more with RACV Member benefits.
Frequently asked questions
With RACV Insurance, you can insure your car for the market value or agreed value, depending on your policy.
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. You’ll get market value with these policies:
- Comprehensive (choice of market or agreed value)
- Third Party Fire and Theft
- Third Party Property Damage
Agreed value
This is how much RACV Insurance agrees to insure your vehicle for during the term of your policy. You can choose from within a value range. You’ll get agreed value with these policies:
- Complete Care®
- Comprehensive (choice of agreed or market value)
Renewing your policy
RACV Insurance considers the changes in your vehicles agreed value using local market values. Check your renewal notice for any changes.
For more information on what’s included in your agreed or market value, check the Product Disclosure Statement.
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There are lots of ways we can help you take control of your insurance policy and premium.
For example, when buying or renewing your RACV Car Insurance, you can:
- explore flexible basic excess
- update your cover to market or agreed value
- review your optional extras
- check listed drivers and remove any additional drivers you don’t need.
Learn more about what impacts premium prices, and what you can do to help reduce your premium – including a range of benefits and discounts available to RACV Members.
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You can make a claim 24/7 in the app, online or by phone. No matter who is at fault in an incident, the process of making a claim is the same.
What you need to prepare your claim
Provide us with information on the incident, like recorded time, witness’ contacts and details of other drivers involved (if applicable).
Include photos of the incident to help with your claim.
If your car has been stolen in Victoria, contact the Police Assistance Line on 131 444, before making an insurance claim. We may ask you for a police report reference number and the date reported.
For more advice, read our claims guide.
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A car insurance excess is the amount you contribute toward the cost of a claim once it has been accepted. There are three types of excess: basic, age and inexperienced driver.
Some situations where you'll need to pay an excess:
- you or the person driving your vehicle was at fault in an incident
- the incident wasn't your fault but you don't have the details of the at-fault party
- the damage is caused by collision with an animal
- your car was damaged by an event (such as hail, or a tree during a storm).
When you start a claim online, you'll find out whether an excess is payable. If you have an excess to pay, you can log in to pay it online.
For more detailed information, see the Premium, Excesses and Discounts Guide (PED).
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No matter who’s driving, RACV Motor Insurance covers all licensed drivers provided they meet policy conditions and have your permission to drive your vehicle.^
You don’t need to list all additional drivers using your vehicle, but it’s worth considering based on how frequently others drive it and any additional excesses that may apply to unlisted drivers.
Your car insurance premium may change if another driver is listed on your policy.
If an unlisted driver is found at fault for an incident while driving your vehicle, you may have to pay an additional excess on top of your basic excess.
For further details on excess charges based on your policy, read the Premium, Excesses and Discounts Guide (PED).
Add drivers to your policy in the RACV App
- Download RACV App
- Tap on ‘my products’
- Tap on your policy and then ‘view and manage policy’
- Under ‘Manage your policy’ tap ‘add, remove or edit drivers’
- Tap ‘edit’ and update driver details.
Add drivers to your policy in your online account
- Log in to your online account
- Click on your policy
- Scroll to ‘the drivers’ section
- Click ‘edit’ and update driver details.
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You can choose your own repairer with Complete Care® Car Insurance, or you can add this option to Comprehensive Car Insurance policies. It’s not available with Third Party Car Insurance policies.
If you choose to arrange your own repairer, make sure you have selected an authorised repairer who meets industry standards. If anything goes wrong (like faulty work), it won’t be covered in your policy.
Using RACV’s Repair Network
Your RACV Car Insurance includes access to more than 90 high-quality partner repairers.
These businesses quote, assess and provide quality repairs for your car. Plus you’ll get a lifetime guarantee on workmanship of any repairs authorised by RACV Insurance, as long as you’re the owner of the vehicle.
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^ Provided they meet policy conditions and have your permission to drive your vehicle. Additional excess applies to drivers under 25 or with less than 2 years' driving experience.
+ RACV Complete Care® Car Insurance recognised in Mozo Experts Choice Awards 2025 - more information on the awards research methodology at https://mozo.com.au.
~ 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.
* 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.
# RACV Years of Membership: at 5 years Bronze cardholders receive a 5% discount, at 10 years Silver cardholders receive a 10% discount, at 25 years Gold cardholders receive a 15% discount and at 51 years Gold 50 cardholders receive a 20% discount.
Terms and conditions apply to all offers. Click on the offer to find out more details.
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.