Involved in an accident that wasn't your fault?

RACV Complete Care® and Comprehensive Motor Insurance policies keep you moving with not at fault car hire services

RACV Complete Care® and Comprehensive Motor Insurance policies provide hire car benefits to keep you on the road while an RACV Partner Repairer works on your vehicle

If you’ve been involved in an accident that wasn’t your fault, we might be able to provide you with a free hire car after an accident and manage your vehicle repairs through an RACV Partner Repairer at no cost to you.

Not at fault accident: Choose the situation that describes you best

 

Provided your car (excludes motorcycles) is insured with either an RACV Complete Care® or RACV Comprehensive Motor Insurance policy, we agree you weren't the at fault driver in an accident with another vehicle, and you can provide us the name and address of the driver who was at fault, then:

  • We'll arrange a hire car if you need one. You must not arrange your own hire car under any circumstances unless you obtain our prior written consent by contacting us on 13 19 03. If you do, then we may decide not to pay for the hire car.
  • We can manage all the repairs for you in our Partner Repairer network.
  • You might not need to pay an excess.
  • Once you’ve submitted a claim, we’ll work with you to manage your claim.
  • To find out more about claiming, please call 13 19 03 or visit our Car Insurance claims page.

What if I don't have the contact details of the at fault driver?

In this scenario, if you do not have RACV Complete Care® Motor Insurance or the hire car option as part of your RACV Comprehensive Motor Insurance policy you will not be eligible for a free hire car.

If you already have RACV Complete Care® or the hire car option on your RACV Comprehensive Motor policy, we’ll organise a hire car for you in line with your policy coverage below:

RACV Complete Care® Motor Insurance limits/conditions:

  • Up to $100/day, unlimited days (until your vehicle is repaired or until we settle your claim if your vehicle is a total loss – whichever is the shortest period of time)

RACV Comprehensive Motor Insurance with the Hire Car Option limits/conditions:

  • Up to $60/day up to maximum of 14 days or until your vehicle is repaired or until we pay your claim if your vehicle is a total loss, whichever is the shortest period of time.

You can either get in contact with us or start a claim to confirm your policy’s hire car coverage.

You must not arrange your own hire car under any circumstances unless you obtain our prior written consent by contacting us on 13 19 03. If you do, then we may decide not to pay for the hire car.

I have the hire car option on my policy. How is this different?

With RACV Complete Care® Motor Insurance or the hire car option on your RACV Comprehensive Motor Insurance policy, we provide you with a hire car regardless of who was at fault in any incident we cover. This includes incidents, such as hail damage and collision with an animal, or where there's no other party involved.

The not at fault hire car cover is available to RACV Complete Care® or Comprehensive Motor Insurance policy holders, whether they have the hire car policy option or not. We offer this when you're not at fault in a collision with another vehicle and you can provide us with the at fault driver's name and residential address.

Am I eligible for a hire car with a Third Party policy?

This benefit only applies to members with an RACV Complete Care® or Comprehensive Motor Insurance policy.

You can still make a claim on the at fault driver’s vehicle insurance and ask the insurer if they can provide you with a hire car.

What type of car will I get?

We’ll do our best to arrange a car that meets your needs. Please discuss your requirements with us and we’ll try our best to accommodate them.

How long can I keep the replacement hire car?

Under the not at fault hire car cover, we’ll organise a hire car for you, for the duration of your car’s repairs or until we settle your claim.

RACV Complete Care® Motor Insurance limits/conditions:

  • Up to $100/day, unlimited days (until your car is repaired or until we settle your claim if your vehicle is a total loss – whichever is the shortest period of time)

RACV Comprehensive Motor Insurance with Hire Car Option limits/conditions:

  • Up to $60/day up to maximum of 14 days or until your vehicle is repaired or until we pay your claim if your vehicle is a total loss, whichever is the shortest period of time.

You must not arrange your own hire car under any circumstances unless you obtain our prior written consent by contacting us on 13 19 03. If you do, then we may decide not to pay for the hire car.

 

Provided you were in an accident with a vehicle that's insured by RACV and you weren't at fault, then:

  • We may be able to provide you a hire car for the duration of your car's repairs.
  • We can organise the smash repairs for you in our Partner Repairer network.

Simply give us a call on 1300 763 324 and we'll do the rest for you.

 

What are the benefits of using an RACV Partner Repairer?

Our trusted RACV Partner Repairers have the skills and technology to deliver the highest quality of repair and the workmanship of all authorised work they undertake is guaranteed for as long as you are the owner of your vehicle.

  • We’ll help you choose the RACV Partner Repairer most convenient for you - there are over 90 locations across Victoria - on average, driveable cars will be repaired in less than a week of going in for repairs.
  • RACV will also cover your taxi ride from and to an RACV Partner Repairer (up to $80 each way) to make is easy for you to drop off your vehicle and pick it up, and you may also be able to access our exclusive hire car rates - from $34 a day - to keep you moving while your car is being repaired.
  • RACV Partner Repairers are backed by a quality framework and we are the only insurer to publish annual reports on our repair standards.

We have established our RACV Partner Repairers on the basis of what’s best for our members, who ultimately benefit not only through quality and convenience – but more affordable premiums.

What type of car will I get?

We’ll do our best to arrange a car that meets your needs. Please discuss your requirements with us and we’ll try our best to accommodate them.