Whether you have a prized Bentley, a red coupe, or an old-school Ford with a lot of grunt, your favourite model is something you’ll want to protect. With Veteran, Vintage and Classic Vehicle Insurance, your older vehicle – be it a car, scooter, tractor or trike – will be covered when you use it for hobby or recreational purposes, special occasions and Club plate use*.

Key inclusion:

Even if your car is written off, it still has value. If your car is over 35 years old, you can keep the damaged vehicle at no cost.

Customer care

Our Australian-based consultants are always here to help you.

Flexi excess discount

Reduce your premium upfront by selecting a higher basic excess.

Exclusive savings

RACV Members save with discounted attraction tickets, gift cards, and special prices on local travel.

Multi policy discount

Get 10% off when you take out two or more eligible insurance policies.*

What does Veteran, Vintage and Classic Vehicle Insurance cover?

With an RACV Veteran, Vintage and Classic Insurance policy, you'll be covered for a range of events. Here’s a summary of what’s included:

  • Loss or damage to your vehicle caused by an accident, flood, fire, malicious act, storm, theft or attempted theft.
  • Cover for windscreen, sunroof and window glass damage as a result of an incident that has occurred during the policy period.
  • Liability cover up to $20 million for damage to someone else’s vehicle or property.
  • Up to $500 for personal items if they’re stolen or damaged in an incident. Some exclusions apply.
  • Up to $500 for emergency repairs following an incident to make your car secure or safe.
  • Even if your car is written off, it still has value. If your car is over 35 years old, you can keep the damaged vehicle at no cost.

This is only a summary of the inclusions for Veteran, Vintage and Classic Vehicle Insurance. For more information, such as conditions, limits and exclusions, please read the Product Disclosure Statement.

  • Cover for vehicles driven more than 9000km per year or used on a regular or daily basis.
  • Cover for previous damage that hasn’t been repaired, like rust, scratches or dents.
  • Loss or damage from faulty workmanship or repairs, or the cost to fix faulty repairs, unless it is covered under Lifetime guarantee on repairs.

For more information on General Exclusions and items not included in your cover, refer to the Product Disclosure Statement.

Here's a quick guide to help you understand Veteran, Vintage and Classic Vehicle Insurance and determine whether it's right for you:
  • Veteran vehicles: built before 1919
  • Vintage vehicles: built between 1919-1930
  • Classic vehicles: 15 years or older
For your car to qualify, it must be:
  • kept under cover
  • driven no more than 9000km a year
  • used for hobby or recreational purposes.
Hot rods, ex-service vehicles and tractors may also be eligible for this type of cover.

* 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.

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. Insurance product(s) issued by Insurance Manufacturers of Australia 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.