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 company 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 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

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

1384 Reviews

Recent RACV car insurance reviews

RACV Car Insurance
Overall 7/10
Expensive but claims process is pretty smooth.

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 review

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.

Value for money
4/10
Policy coverage
8/10
Customer service
8/10
Claims handling
10/10
Trust
7/10
Less
Ashleigh, Victoria, reviewed 2 days ago
RACV Comprehensive Car Insurance
Overall 9/10
A great insurance for careful RACV members.

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 review

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.

Value for money
8/10
Policy coverage
8/10
Customer service
10/10
Claims handling
10/10
Trust
8/10
Less
Isabel, Victoria, reviewed 4 days ago
RACV Car Insurance
Overall 8/10
RACV what a great car insurance company

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 review

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.

Value for money
8/10
Policy coverage
8/10
Customer service
9/10
Claims handling
10/10
Trust
7/10
Less
Elise, Victoria, reviewed 8 days ago
RACV Car Insurance
Overall 7/10
Affordable for young drivers

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 review

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.

Value for money
9/10
Policy coverage
3/10
Customer service
8/10
Trust
7/10
Less
Madeline, Victoria, reviewed 10 days ago

Mozo may receive a payment from financial providers listed on the site. Customer reviews are in no way affected by any commercial relationships Mozo has with providers.

Car insurance quick links