based on 9 RACV banking product reviews as rated by Mozo community

RACV car insurance

RACV is a Victoria-based mutual organisation, so when you buy a car insurance policy through them you become one of more than two million RACV members. The two-time 2021 Mozo Expert Choice Car Insurance Award winner offers auto insurance as well as loans for purchasing vehicles and travel-related products. Check out the details of RACV’s car insurance policies.

RACV offers the following car insurance policies

Rates and fees verified as correct at 23 January 2022. 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

RACV policy options

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. 

What does RACV car insurance cover?

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:

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

*This can be included in Comprehensive cover as an optional extra for an additional cost.

How much does RACV car insurance 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:

You can also opt for a higher excess to access a slightly lower premium on both of RACV’s policy options.

What discounts are available with RACV car insurance?

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:

How do I claim RACV car insurance?

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:

Add this to your own personal, contact and insurance details and you’re ready to start a claim

FAQs about RACV car insurance

How can I pay my RACV premium?

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. 

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 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.

What is agreed and market value?

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).

How is RACV car insurance rated?

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.

Icon of car-insurances
RACV car insurance
Overall
Value for money
Policy coverage
Customer service
Claims handling
Trust

1411 Reviews

Recent RACV car insurance reviews

RACV Comprehensive Car Insurance
Overall 9/10
Best car insurance for peace of mind

Customer service is friendly, efficient and fast. I completely trust RACV to look after me if anything goes wrong. The pricing is a little higher than other companies but worth it for the far better experience I have feeling with them.

Read full review

Customer service is friendly, efficient and fast. I completely trust RACV to look after me if anything goes wrong. The pricing is a little higher than other companies but worth it for the far better experience I have feeling with them.

Value for money
9/10
Policy coverage
10/10
Customer service
10/10
Claims handling
10/10
Trust
10/10
Less
Angela, Victoria, reviewed 17 days ago
RACV Car Insurance
Overall 10/10
Very happy

They have been great. Very affordable.

Read full review

They have been great. Very affordable.

Value for money
10/10
Policy coverage
10/10
Customer service
9/10
Trust
10/10
Less
Kayla, Victoria, reviewed 19 days ago
RACV Car Insurance
Overall 7/10
Good company. I am really with them out of habit.

Good company. I am really with them out of habit.

Read full review

Good company. I am really with them out of habit.

Value for money
6/10
Policy coverage
8/10
Customer service
8/10
Claims handling
8/10
Trust
8/10
Less
Marita, Victoria, reviewed 19 days ago
RACV Comprehensive Car Insurance
Overall 9/10
RACV has looked after our needs

The Customer service has always been good both face to face and by Telephone.

Read full review

The Customer service has always been good both face to face and by Telephone.

Value for money
8/10
Policy coverage
9/10
Customer service
10/10
Trust
10/10
Less
Rob, Victoria, reviewed 19 days ago

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