Rates and fees verified as correct at 17 September, 2021. Other information correct at the time of writing. Advertiser disclosure.
| Product | Monthly premiums available | Maximum no claim discount | Online discount | Choice of repairer |
|---|---|---|---|---|
| Complete Care Car Insurance | Yes | up to 65% | n/a | Yes |
| Comprehensive Car Insurance | Yes costs extra | up to 65% | n/a | Optional Extra |
You can choose between two car insurance policies at RACV: the Comprehensive cover option, or the Complete Care option.
Usually, policies with the title ‘comprehensive’ offer more extensive benefits and coverage for your wheels. While RACV’s Comprehensive cover will tick most boxes, Complete Care checks off even more items and events. As you might expect, the Complete Care policy will likely be more expensive as it offers more coverage.
This depends on the policy you choose. Let’s start with an outline of some of the main things covered by both Comprehensive and Complete Care policies as standard:
A new car if yours is written off (within 3 years of its original registration for Complete Car, or 2 for Comprehensive)
Accidental damage and damages caused by fire, flood, storm, theft or malicious acts
Personal property cover (up to $500 for Comprehensive or $1,000 for Complete Care)
Emergency repairs without assessment (up to $800)
Towing costs
Hire car after a theft or not-at-fault accident (up to $60 a day for 14 days with Comprehensive cover, or $100 per-day unlimited for Complete Care)
Cover for baby seats or capsules (up to $500)
Up to $1,000 cove for caravans and trailers (while attached to your car).
Some extra things that are covered as standard if you opt for a Complete Care policy include:
Excess-free windscreen and glass cover*
Emergency accommodation (if you’re more than 100km from home)
Having your choice of repairer*
The option to insure your car for an agreed value (rather than market value)*
Taxi fares (up to $500)
Post repair vehicle inspection for authorised repairs
Vehicle pick up and return
Pet assistance (which includes transportation home or accommodation up to $50 a night).
*This can be included in Comprehensive cover as an optional extra for an additional cost.
How your premium is calculated by RACV will depend on a range of factors. Analysing statistics and information related to demographic and behavioural will help assess how likely you are to potentially make a claim. The less likely you are to make a claim, the less you’ll have to pay. A few things which could affect your car insurance premium include:
Where you keep your car when you aren’t driving it (a garage will earn you safety points)
The make, model, age, condition and colour of your car
Your age, how long you’ve been driving and your insurance claims history
Your gender (women are statistically less-risky drivers).
You can also opt for a higher excess to access a slightly lower premium on both of RACV’s policy options.
Scoring a couple of discounts can really make a difference on your car insurance bill. Some of the money-savers you should keep an eye out for with RACV include:
Multi-policy discount
Loyalty discount
RACV Member discounts on things like movie tickets, gift cards and admission to theme parks, zoos and other attractions.
If you ever do need to make a claim on your RACV car insurance, make sure you have all the details using their Car Accident Checklist. This covers the important information you’ll need when making a claim, including:
The personal, contact and insurance details of anyone else involved in the accident.
Contact details for any third party witnesses that may have seen the accident.
Details of any police presence (don’t forget that you may need a copy of the police report if one is made).
Photographic evidence of the accident and any damages to the involved vehicles.
Add this to your own personal, contact and insurance details and you’re ready to start a claim
Having flexibility in how and when you pay your car insurance premium can be really important when working it into your budget. At RACV, you can choose to pay your premium as a one-off annual sum, or in monthly installments at no extra cost.
Excess is the amount you’ll need to pay before your insurance kicks in if you have an accident and make a claim. With both RACV policies you can choose your level of excess.
Consider your ideal excess carefully: if you pay more excess you’ll pay less for your upfront premium, while if you pay low excess your premium will be higher. Think about what will suit your budget better.
These terms relate to the sum you insure your vehicle for, which will impact how much your insurer will pay to repair or replace it after an insurable incident.
Market value is the price your vehicle would likely fetch if it were for sale based on its age, condition and odometer reading at the time of the claim. Because this is a flexible measure, your pay-out at claim time isn't definite.
Agreed value is an amount you consider your vehicle to be worth and set when you take out a policy. While choosing this often raises your premium, it also provides a more certain figure which you’ll be reimbursed for when you make a car insurance claim.
RACV’s Comprehensive and Complete Care policies both offer the choice between agreed and market value insurance (as standard for Complete Care and as an optional extra for Comprehensive).
Mozo users have rated RACV car insurance on price, features, convenience, trust and customer service so you can see what real Aussies have to say about their experiences.
1384 Reviews
RACV is quite a premium price even after the silver 10% discount is applied. Additionally, needing to pay more to choose your own repairer makes it even more expensive or restrictive. I tried searching for my no claim rating but couldn't access this information through my account anywhere. I have made two claims and they were easy to deal with and good with following up. They were understanding with delays on my part when COVID first hit and I was hesitant to go to the repairer.
Read full reviewRACV is quite a premium price even after the silver 10% discount is applied. Additionally, needing to pay more to choose your own repairer makes it even more expensive or restrictive. I tried searching for my no claim rating but couldn't access this information through my account anywhere. I have made two claims and they were easy to deal with and good with following up. They were understanding with delays on my part when COVID first hit and I was hesitant to go to the repairer.
I have the advantage of having been a long-standing RACV member and therefore get a very pleasing discount on my insurance costs (as well as a number of other benefits). I like the fact that on the couple of occasions I've missed my payment date, while I know I'm not covered while I remain uninsured, I do have 30 days' grace in which to rectify the situation and not lose my existing RACV insurance advantages. However, I'm not happy that now, if I do forget until reminded by a very helpful follow-up letter, I'm no longer allowed to pay by BPay, which I prefer to do, as I don't like being forced to give out credit card details over the phone. Last time I had to make a claim, I was instantly told that as it wasn't my fault in any way, I was not required to pay any excess - fantastic! I was provided with alternative transport while my car was being repaired, and my car was attended to very well indeed. I felt that I was very well looked after and have therefore recommended to my children (when they were old enough to drive and own cars of their own), that they take out RACV membership AND RACV car insurance.
Read full reviewI have the advantage of having been a long-standing RACV member and therefore get a very pleasing discount on my insurance costs (as well as a number of other benefits). I like the fact that on the couple of occasions I've missed my payment date, while I know I'm not covered while I remain uninsured, I do have 30 days' grace in which to rectify the situation and not lose my existing RACV insurance advantages. However, I'm not happy that now, if I do forget until reminded by a very helpful follow-up letter, I'm no longer allowed to pay by BPay, which I prefer to do, as I don't like being forced to give out credit card details over the phone. Last time I had to make a claim, I was instantly told that as it wasn't my fault in any way, I was not required to pay any excess - fantastic! I was provided with alternative transport while my car was being repaired, and my car was attended to very well indeed. I felt that I was very well looked after and have therefore recommended to my children (when they were old enough to drive and own cars of their own), that they take out RACV membership AND RACV car insurance.
We have our car and house insured with RACV and they have been great. Luckily I have only had to make a claim once when I was in a minor accident with my baby but RACV were fantastic in there assistance over the phone and providing me a credit to buy a new baby capsule to make sure the safety standard after an accident was still the same.
Read full reviewWe have our car and house insured with RACV and they have been great. Luckily I have only had to make a claim once when I was in a minor accident with my baby but RACV were fantastic in there assistance over the phone and providing me a credit to buy a new baby capsule to make sure the safety standard after an accident was still the same.
This year was my first time buying car insurance and RACV made the process very easy. Being a young driver most other companies charge a very high premium to insure my car but RACV was the most reasonable. Call centre wait time was not too long and the customer service I received was friendly and helpful. Overall I would recommend RACV to friends and family.
Read full reviewThis year was my first time buying car insurance and RACV made the process very easy. Being a young driver most other companies charge a very high premium to insure my car but RACV was the most reasonable. Call centre wait time was not too long and the customer service I received was friendly and helpful. Overall I would recommend RACV to friends and family.
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