RACV car insurance

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:

• 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 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:

• 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.

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:

• Multi-policy discount 

• Loyalty discount

• RACV Member discounts on things like movie tickets, gift cards and admission to theme parks, zoos and other attractions.

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:

• 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

FAQs about RACV car insurance