Name: RACV car insurance
Brand: RACV
Rating: 4.0 (1443 reviews)

RACV car insurance

Comprehensive Car Insurance

RACV offers Victorians a familiar name in insurance, with Comprehensive Car Insurance that covers collisions, theft, vandalism, storms and more, plus new-for-new replacement if your car’s written off within two years. Enjoy a hire car after a not-at-fault collision, up to $500 for personal items and new-for-new car replacement if your car’s written off within two years¹. Add extras like no-excess windscreen cover or your choice of repairer. Save when you pay annually and get up to 10% off when you hold multiple RACV policies^

Monthly premiums

Yes costs extra

Choice of repairer

Optional Extra

Choice of excess

$100 - $2,200 - varies by state

Agreed or market value

Agreed or Market
Available discounts

10% discount on two or more eligible policies - including home and motor insurance^

Loyalty discount
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Monthly premiums available

Yes costs extra

Choice of repairer

Optional Extra

Choice of excess

$100 - $2,200 - varies by state

Agreed or market value

Agreed or Market

Discounts available

Loyalty discount

States where offered

VIC

Roadside assistance

No

Genuine parts

Yes - If car is under 3 years old.

New car if written off

Yes - within 2 years of original registration

Windscreen cover

Yes - standard excess. Option to reduce windscreen excess to $0 for an additional premium.

Personal property cover

Up to $500 if damaged or stolen.

Replacement key cover

Up to $1,000 if stolen.

Baby capsule or child seat cover

Up to $500 per item

Trailer or caravan cover

Up to $1,000

Modifications

Automatically covered.

Emergency repairs

Up to $800

Emergency options

Reasonable towing costs. Up to $1,000 in travel and temporary accommodation costs if greater than 100 km from home.

Rental car after theft

Yes - Up to 21 days, max $60 per day.

Rental car after accident

Not at fault - Yes. At fault - Optional Extra. Up to 14 days, max $60 per day.

Rental car liability

Yes - legal liability cover when using a substitute vehicle. $2,000 contribution towards excess or security bond when using a hire car after an event.

Legal liability cover

$20,000,000

Accidental death of driver

No

Young driver excess imposed

$400 for listed drivers under 25, $1,600 for unlisted drivers under 25, $400 for inexperienced drivers over 25.

Rideshare cover

No

Other restrictions

-

Other benefits

-

Online discount

n/a

Multi-policy discount

10% discount on two or more eligible policies - including home and motor insurance^

No claim discount

No

Low km discount

No

Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.
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Mozo experts choice awards won:

Exceptional Quality Car Insurance - 2025

Find out more about Mozo’s Awards.
Complete Care Car Insurance

RACV Complete Care® Car Insurance goes a step further than its RACV Comprehensive Insurance, with premium protection and more inclusions. Along with the same core benefits you’d expect, it adds a hire car after any incident until your car is returned to you or your claim is settled (including at-fault), your choice of repairer and excess-free windscreen cover. You’ll also get higher limits, including up to $1,000 for personal items, new-for-new car replacement if your car’s written off within three years¹ (instead of the two), and up to $1,500 for temporary transport and accommodation², including pet-friendly stays. Multi-policy^ and loyalty discounts available.

Monthly premiums

Yes

Choice of repairer

Yes

Choice of excess

$100 - $2,200 - varies by state

Agreed or market value

Agreed
Available discounts

10% discount on two or more eligible policies - including home and motor insurance^

Loyalty discount
Go to site

Monthly premiums available

Yes

Choice of repairer

Yes

Choice of excess

$100 - $2,200 - varies by state

Agreed or market value

Agreed

Discounts available

Loyalty discount

States where offered

VIC

Roadside assistance

No

Genuine parts

Yes - If car is under 3 years old.

New car if written off

Yes - within 3 years of original registration

Windscreen cover

Yes - $0 windscreen excess.

Personal property cover

Up to $1,000 if damaged or stolen.

Replacement key cover

Up to $1,000 if stolen.

Baby capsule or child seat cover

Up to $500 per item

Trailer or caravan cover

Up to $1,000

Modifications

Automatically covered.

Emergency repairs

Up to $800

Emergency options

Reasonable towing costs. Up to $500 reasonable transportation costs. Up to $1,500 accommodation cost if greater than 100 km from home.

Rental car after theft

Yes - Unlimited days, max $100 per day.

Rental car after accident

Not at fault - Yes. At fault - Yes. Unlimited days, max $100 per day.

Rental car liability

Yes - legal liability cover when using a substitute vehicle. $2,000 contribution towards excess or security bond when using a hire car after an event.

Legal liability cover

$20,000,000

Accidental death of driver

No

Young driver excess imposed

$400 for listed drivers under 25, $1,600 for unlisted drivers under 25, $400 for inexperienced drivers over 25.

Rideshare cover

No

Other restrictions

-

Other benefits

-

Online discount

n/a

Multi-policy discount

10% discount on two or more eligible policies - including home and motor insurance^

No claim discount

No

Low km discount

No

Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.
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Showing 2 results from 21 car insurance policies. Use the filters to see more

Customer reviews

Lauren

Victoria - 10 months ago

Product name: Comprehensive Car Insurance

4.5

Loyal ans empathetic Insurer!

I have been a member for a long time and in times of financial hardship they have accommodated my situation and remained loyal!!

Price

3.5
Features

5.0
Service

5.0
Convenience

3.5
Trust

5.0

Harry

Victoria - 10 months ago

Product name: Comprehensive Car Insurance

0.5

Absolute rubbish!

My father has 4 policies with RACV, including home and contents and coverage for his and my mother's cars. He is a very long time and loyal customer despite never having a claim. Our house got broken into, the thieves stoll his car keys and took off with his car. A claim was made as well as the police being involved and the car was found a few days later. RACV never contacted my father once during the process to let him know about any of the proceedings, claim status, or what he was entitled to during the whole claim process. Instead my father had to ring and be left in a queue to get any information from them. His cover included a courtesy car which RACV never told him about, which he only learnt about by accident after the 3rd call after being placed in a 15 minute queue (this is a week into the claim). They finally assessed that the car was a write off and a long story short, after many stressful calls and much time from my father, leaving him in a panic (he's 70 years old). They offered him 1/3rd of the value of what he expected to receive as "market value" for his vehicle. After paying 32,000 for he's 2010 C class Mercedes which he bought 2nd hand a few years back, their accessor was pulling up all these old car sales add's where the vehicle's were delisted for pathetic prices and are the adds for which are not available to the general public. He was emailing my father and calling him to argue that his fully functional 2010 ( Excellent condition) C class turbo-diesel, Mercedes Benz was worth no more than $8800. My father just spent $7000 dollars to get the computer and electrics serviced and tuned before it was stolen btw. This has caused absolute joke of an experience has caused my Father and mother considerable stress and has affected their mental and physical well being. My father payed $116 as premium for this policy and will owe a 700 excess and RACV have just trampled all over him and left us all stunned how terrible this joke of a policy is and their customer service is an absolute joke. How they can compete with the likes of AAMI (who provided a quote with a market value of $13,500 for my father's exact car just now)and or any other insurance provider with this rubbish is beyond me entirely. I strongly recommend anyone interested to avoid RACV at all costs! They are expensive and when it comes to claims, they are cheap skates and will stop at nothing to save money in every department of their business. Do yourself a favour and have nothing to do with them!

Price

0.5
Features

1.5
Service

0.5
Convenience

0.5
Trust

0.5

Louise

Western Australia - 11 months ago

Product name: Comprehensive Car Insurance

5.0

Good insurance

Excellent customer service. Very good cover for my vehicle. I also have the roadside assistance which is very good when yiu need help.

Price

5.0
Features

5.0
Service

5.0
Convenience

5.0
Trust

5.0

Susan

Victoria - 11 months ago

Product name: Comprehensive Car Insurance

5.0

I definitely recommend the RACV for car insurance.

I am a RACV Gold Member and currently have comprehensive car insurance with the RACV. Whether I’m discussing my car insurance or having to make a claim with the RACV, i have always been extremely satisfied with the outcome.

Price

5.0
Features

5.0
Service

5.0
Convenience

5.0
Trust

5.0

Phil

Victoria - 12 months ago

4.0

Good price, no issues yet

We switched to RACV because it was cheaper than the insurer we were with, despite a lot of negative reviews surrounding the time it takes to get a claim paid out. Haven't yet had to make a claim and hopefully won't have to find out if that reputation is true.

Price

4.0
Features

4.0
Trust

3.5

Buket

Victoria - about 1 year ago

0.5

RACV ARE THE WORS INSURANCE COMPANY EVER

RACV IS THE WORST INSURANCE COMPANY EVERY. WAITING ON THE PHONE FOR 17 HOURS NO ANSWER, ESCALATED TO DI IN MEMBER COMPLAINTS, SHE CANNOT ASSIST AS SHE IS NOT IN CLAIMS. I HAVE BEEN A MEMBER FOR 32 YEARS AND YOU HAVE RIPPED ME OFF. I PAY $230 A MONTH WHEN EVERYONE I SPEAK TO PAYS $130 A MONTH. RACV AND IAG ARE CROOKS. DO NOT INSURE WITH THEM. THEY DO NOT EVEN FALL UNDER REGULATORS AS THEY ARE NOT PART OF CODE OF CONDUCT WHICH APPLIES TO ALL OF THE OTHER INSURANCE COMPANIES. AVOID AT ALL COSTS.

Price

0.5
Features

0.5
Service

0.5
Convenience

0.5
Trust

0.5

Victoria

Victoria - about 1 year ago

Product name: Comprehensive Car Insurance

0.5

Terrible all round

1. I was with RACV for many years, had to make a claim for a not at fault and they refused to cover all damage from the incident. 2. Premiums keep going up, started at $130 a month then to $180 per month, then to $190 per months, then wanted to go up to $230 per month (no claims made between 180-230). I quickly cancelled and they still charged me an extra month. 3. I brushed passed a car and accidentally made an approx 15cm scratch with my handbag, not a very deep scratch. Person made a claim a month later with RACV and they are now trying to charge me $2,343.64 RACV is price gouging and money hungry.

Price

0.5
Features

0.5
Service

0.5
Convenience

0.5
Trust

0.5

Nikki

Victoria - about 1 year ago

0.5

Terrible service, inability to escalate complaint

Claims handling is beyond appalling. Paid extra for choice of repairer. Claim has been sitting with assessor team for 22 business days. 6 follow up calls including 2 to register a complaint. No ability to speak to a line 2 escalation team, supervisor or complaints team. Appalling customer service. Now feel like I'm being held to ransome by my insurer. Will be moving my 4 policies to another provider at the conclusion of the claim. Particarly upsetting because this is a not at fault claim which RACV will recoup all monies from the at fault third party.

Price

0.5
Service

0.5
Convenience

0.5
Trust

0.5

Jethro

Victoria - over 1 year ago

Product name: Comprehensive Car Insurance

4.0

RACV: reliable, comprehensive, and pricey

I've found that RACV car insurance has competitive pricing, and excellent customer service. I value the range of options, including roadside assistance and flexible payment plans. The claims process is usually smooth and efficient, with quick resolutions. However, I find premiums slightly higher than competitors and occasional issues with specific claim assessments. Overall, RACV provides reliable and extensive car insurance, making it a strong choice despite the potential for higher premiums.

Price

3.5
Features

4.5
Service

4.5
Convenience

3.5
Trust

5.0

Jack

Victoria - over 1 year ago

Product name: Comprehensive Car Insurance

0.5

Useless when you need it

Unable to replace a damaged bumper bar in a timely manner. I had to get it fixed myself at my own cost as they had no approved repairers in the area. Left me stranded. No panel beaters in the area will work for them and claims person could not tell me where they would be taking my car while they found a repairer and expected me to leave my car with luggage and pets on the side of a country road and walk 50kms topics up a hire car. Very lengthy claims process, person had no idea about anything. Really wasn't worth paying for the cover if you can't use it when needed. RACV do not care about their customers, not even if you e been with them for 40+ years. A month after the event I still did not get a quote from their assessors.

Price

0.5
Features

0.5
Service

0.5
Convenience

0.5
Trust

0.5

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Disclaimer

Important information on terms, conditions and sub-limits

Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.

L

Lauren

Victoria - 10 months ago
Product name: Comprehensive Car Insurance

4.5

Loyal ans empathetic Insurer!

I have been a member for a long time and in times of financial hardship they have accommodated my situation and remained loyal!!
- Price
  
  3.5
- Features
  
  5.0
- Service
  
  5.0
- Convenience
  
  3.5
- Trust
  
  5.0
H

Harry

Victoria - 10 months ago
Product name: Comprehensive Car Insurance

0.5

Absolute rubbish!

My father has 4 policies with RACV, including home and contents and coverage for his and my mother's cars. He is a very long time and loyal customer despite never having a claim. Our house got broken into, the thieves stoll his car keys and took off with his car. A claim was made as well as the police being involved and the car was found a few days later. RACV never contacted my father once during the process to let him know about any of the proceedings, claim status, or what he was entitled to during the whole claim process. Instead my father had to ring and be left in a queue to get any information from them. His cover included a courtesy car which RACV never told him about, which he only learnt about by accident after the 3rd call after being placed in a 15 minute queue (this is a week into the claim). They finally assessed that the car was a write off and a long story short, after many stressful calls and much time from my father, leaving him in a panic (he's 70 years old). They offered him 1/3rd of the value of what he expected to receive as "market value" for his vehicle. After paying 32,000 for he's 2010 C class Mercedes which he bought 2nd hand a few years back, their accessor was pulling up all these old car sales add's where the vehicle's were delisted for pathetic prices and are the adds for which are not available to the general public. He was emailing my father and calling him to argue that his fully functional 2010 ( Excellent condition) C class turbo-diesel, Mercedes Benz was worth no more than $8800. My father just spent $7000 dollars to get the computer and electrics serviced and tuned before it was stolen btw. This has caused absolute joke of an experience has caused my Father and mother considerable stress and has affected their mental and physical well being. My father payed $116 as premium for this policy and will owe a 700 excess and RACV have just trampled all over him and left us all stunned how terrible this joke of a policy is and their customer service is an absolute joke. How they can compete with the likes of AAMI (who provided a quote with a market value of $13,500 for my father's exact car just now)and or any other insurance provider with this rubbish is beyond me entirely. I strongly recommend anyone interested to avoid RACV at all costs! They are expensive and when it comes to claims, they are cheap skates and will stop at nothing to save money in every department of their business. Do yourself a favour and have nothing to do with them!
- Price
  
  0.5
- Features
  
  1.5
- Service
  
  0.5
- Convenience
  
  0.5
- Trust
  
  0.5
L

Louise

Western Australia - 11 months ago
Product name: Comprehensive Car Insurance

5.0

Good insurance

Excellent customer service. Very good cover for my vehicle. I also have the roadside assistance which is very good when yiu need help.
- Price
  
  5.0
- Features
  
  5.0
- Service
  
  5.0
- Convenience
  
  5.0
- Trust
  
  5.0
S

Susan

Victoria - 11 months ago
Product name: Comprehensive Car Insurance

5.0

I definitely recommend the RACV for car insurance.

I am a RACV Gold Member and currently have comprehensive car insurance with the RACV. Whether I’m discussing my car insurance or having to make a claim with the RACV, i have always been extremely satisfied with the outcome.
- Price
  
  5.0
- Features
  
  5.0
- Service
  
  5.0
- Convenience
  
  5.0
- Trust
  
  5.0
P

Phil

Victoria - 12 months ago

4.0

Good price, no issues yet

We switched to RACV because it was cheaper than the insurer we were with, despite a lot of negative reviews surrounding the time it takes to get a claim paid out. Haven't yet had to make a claim and hopefully won't have to find out if that reputation is true.
- Price
  
  4.0
- Features
  
  4.0
- Trust
  
  3.5
B

Buket

Victoria - about 1 year ago

0.5

RACV ARE THE WORS INSURANCE COMPANY EVER

RACV IS THE WORST INSURANCE COMPANY EVERY. WAITING ON THE PHONE FOR 17 HOURS NO ANSWER, ESCALATED TO DI IN MEMBER COMPLAINTS, SHE CANNOT ASSIST AS SHE IS NOT IN CLAIMS. I HAVE BEEN A MEMBER FOR 32 YEARS AND YOU HAVE RIPPED ME OFF. I PAY $230 A MONTH WHEN EVERYONE I SPEAK TO PAYS $130 A MONTH. RACV AND IAG ARE CROOKS. DO NOT INSURE WITH THEM. THEY DO NOT EVEN FALL UNDER REGULATORS AS THEY ARE NOT PART OF CODE OF CONDUCT WHICH APPLIES TO ALL OF THE OTHER INSURANCE COMPANIES. AVOID AT ALL COSTS.
- Price
  
  0.5
- Features
  
  0.5
- Service
  
  0.5
- Convenience
  
  0.5
- Trust
  
  0.5
V

Victoria

Victoria - about 1 year ago
Product name: Comprehensive Car Insurance

0.5

Terrible all round

1. I was with RACV for many years, had to make a claim for a not at fault and they refused to cover all damage from the incident. 2. Premiums keep going up, started at $130 a month then to $180 per month, then to $190 per months, then wanted to go up to $230 per month (no claims made between 180-230). I quickly cancelled and they still charged me an extra month. 3. I brushed passed a car and accidentally made an approx 15cm scratch with my handbag, not a very deep scratch. Person made a claim a month later with RACV and they are now trying to charge me $2,343.64 RACV is price gouging and money hungry.
- Price
  
  0.5
- Features
  
  0.5
- Service
  
  0.5
- Convenience
  
  0.5
- Trust
  
  0.5
N

Nikki

Victoria - about 1 year ago

0.5

Terrible service, inability to escalate complaint

Claims handling is beyond appalling. Paid extra for choice of repairer. Claim has been sitting with assessor team for 22 business days. 6 follow up calls including 2 to register a complaint. No ability to speak to a line 2 escalation team, supervisor or complaints team. Appalling customer service. Now feel like I'm being held to ransome by my insurer. Will be moving my 4 policies to another provider at the conclusion of the claim. Particarly upsetting because this is a not at fault claim which RACV will recoup all monies from the at fault third party.
- Price
  
  0.5
- Service
  
  0.5
- Convenience
  
  0.5
- Trust
  
  0.5
J

Jethro

Victoria - over 1 year ago
Product name: Comprehensive Car Insurance

4.0

RACV: reliable, comprehensive, and pricey

I've found that RACV car insurance has competitive pricing, and excellent customer service. I value the range of options, including roadside assistance and flexible payment plans. The claims process is usually smooth and efficient, with quick resolutions. However, I find premiums slightly higher than competitors and occasional issues with specific claim assessments. Overall, RACV provides reliable and extensive car insurance, making it a strong choice despite the potential for higher premiums.
- Price
  
  3.5
- Features
  
  4.5
- Service
  
  4.5
- Convenience
  
  3.5
- Trust
  
  5.0
J

Jack

Victoria - over 1 year ago
Product name: Comprehensive Car Insurance

0.5

Useless when you need it

Unable to replace a damaged bumper bar in a timely manner. I had to get it fixed myself at my own cost as they had no approved repairers in the area. Left me stranded. No panel beaters in the area will work for them and claims person could not tell me where they would be taking my car while they found a repairer and expected me to leave my car with luggage and pets on the side of a country road and walk 50kms topics up a hire car. Very lengthy claims process, person had no idea about anything. Really wasn't worth paying for the cover if you can't use it when needed. RACV do not care about their customers, not even if you e been with them for 40+ years. A month after the event I still did not get a quote from their assessors.
- Price
  
  0.5
- Features
  
  0.5
- Service
  
  0.5
- Convenience
  
  0.5
- Trust
  
  0.5

RACV car insurance

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