Reliable protection for unintentional damage caused to other people’s property, as well as if your vehicle gets stolen.
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When you’re caught in a bingle, the last thing you want to worry about is whether you’ve got the right cover. Rest at ease knowing that with RACV Third Party Fire and Theft Insurance, you’re not only covered for unintentional damage you cause to other people’s property, you’re also covered if your car is stolen or damaged by a fire.
The more RACV Insurance policies you have, the more you could save. When you take out two or more eligible RACV Insurance policies you’ll receive 10% off each*.
We offer Flexi Excess, Multi-Policy Discount and Years of Membership Benefits.
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.
Did you know Aussie Assist is included in all RACV Car Insurance policies? It’s a telephone service that provides help and advice, 24/7.
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.
Comprehensive Car Insurance covers collision damage to your car, as well as unintentional collision damage to other people’s property (including vehicles).
Third Party Insurance only covers unintentional collision damage to other people’s property (including vehicles). The cost to repair damage to your own car following an incident or accident would be an out of pocket expense.
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.
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.
Yes, as long as they have a valid driver’s license. Additional excesses may apply for drivers under 25 and inexperienced drivers.
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.
Cover for collision damage to your car and unintentional collision damage to other people’s property (including vehicles), regardless of who is at fault.
Basic cover in the event you cause unintentional collision damage to other people’s property (including vehicles).
Specialised cover for vehicles built before 1919, between 1919 and 1930, and collectable vehicles usually built 15 (or more) years ago.
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 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 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.
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* 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.
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