RACV car insurance

RACV's overall rating for car insurance

(as rated by the Mozo community)

7.9 / 10

based on 1308 reviews

RACV is a Victoria based mutual, so when you buy a car insurance policy, you become one of more than 2.1 million members who have insurance policies or loans with RACV. Check out the details of different RACV car insurance policies below:

RACV offers the following car insurance policies

Product Monthly premiums available Maximum no claim discount Online discount Choice of repairer


up to 65%



Yes costs extra

up to 65%


Optional Extra

*Any information provided on this page should be considered a summary and general advice only. All information should be verified before purchase via the relevant Product Disclosure Statement (PDS).

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Frequently asked questions about RACV car insurance

What policies are available?

You can choose between two car insurance policies at RACV, the Comprehensive cover option, or the Complete Care option.

Usually, Comprehensive policies are the ones that offers the most benefits and coverage for your wheels, but in this case, while Comprehensive cover will tick most boxes, Complete Care ticks even more. You can check out what each one covers below.

One thing to keep in mind though, is that because it offers more coverage, the Complete Care policy will likely be more expensive.

What excess option should I go for?

Excess is the amount you’ll need to pay before your insurance kicks in if you have an accident. With either RACV policy in our table you can choose your level of excess, from high, to none at all.

Remember to 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.

What is covered by my policy?

It depends on your policy. First things first, let’s list off some of the main things that are covered by both Comprehensive and Complete Care policies:

Some extra things that are covered if you opt for a Complete Care policy include:

How is my premium calculated?

How much your premium is will depend on a range of different factors that RACV takes into account in order to work out how likely it is you will make a claim. The less likely it is you’ll need to claim (that is, the safer a driver you are) the less you’ll have to pay.

A few things that could affect your car insurance premium include:

How can I pay my premium?

Having flexibility in how and when you pay your car insurance premium can be really important in working it into your budget. Luckily, at RACV, you can choose to pay your premium as a one-off annual sum, or in monthly installments.

What discounts are available?

Scoring a couple of discounts can make your car insurance way more affordable. So some of the money-savers you should keep an eye out for with RACV include:

How is RACV rated by customers?

Want to read what the good people of Victoria have to say about their RACV car insurance policies? We’ve got all the need-to-know information, like how convenient the claims process is, how good the customer service is and how it stacks up in terms of price and features in our customer review section

How to make a claim

If you ever do need to make a claim on your RACV car insurance, then an easy way to make sure you have all the details, is to fill out the Car Accident Checklist. This covers the important information you’ll need when making a claim, including:

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