RACV Comprehensive Car Insurance

This product is available in different versions. Pick the right version for you here.

The details shown below are for the Complete Care Car Insurance

The details shown below are for the Comprehensive Car Insurance

Choose the version of this loan that suits you best

  • Complete Care Car Insurance

  • Comprehensive Car Insurance

up to 65%

n/a

RACV Comprehensive Car Insurance

up to 65%

n/a

costs extra

up to 65%

n/a

RACV Comprehensive Car Insurance

costs extra

up to 65%

n/a

Mozo Review   RACV Comprehensive Car Insurance Review

Last updated: 26 September 2019.

What's hot:
  • 2019 Mozo Experts Choice Award

  • Loyalty discount up to 20%

  • No claims bonus up to 65%

  • Monthly premium payments at no extra cost

What's not:
  • $1,600 unlisted young driver excess

  • Only available in VIC

Mozo snapshot:

If you’re a Victorian resident looking for a comprehensive level of cover that will allow you to pay your premiums on a month-to-month basis without the burden of any additional costs, then RACV Complete Care Car Insurance might be the perfect fit for you. Winning a 2019 Mozo Experts Choice Award in the Exceptional Quality Car Insurance category, this policy allows you the peace of mind associated with a top level of cover while also offering you the opportunity to save some money with a range of discount options.

Key features:

RACV Complete Care Car Insurance comes stacked with features that give you control over your precious set of wheels. If you are involved in an accident you’ll be paying the amount of excess (or none at all) that you have chosen and will be able to send your car to a repairer that you personally trust. If the worst case scenario eventuates and your car is written off or stolen you’ll be paid the amount of money that you agreed with RACV when you took out the policy, so you can be sure you won’t be caught financially short. More than that, RACV provides a generous $1000 cap for any personal property that may have been lost or damaged and will also cover rental car costs for an unlimited period of time, so you’ll never be car-less or rushing to find a replacement. If you would like the added security of roadside assistance then you’ll have to select this feature as an optional extra.

Another big feature of RACV Complete Care Car Insurance is the sizeable 65% no claims bonus that you can accrue. Aside from this, RACV also offers a 10% discount for having both car and home insurance policies and will slash as much as 20% off for customers who have been with the company for a number of years so there are definitely savings to be made on this policy if you plan on staying loyal.

Who it's good for:

If you've spent money making modifications to your car, the good news is that RACV Complete Car Insurance automatically covers you for these.

If you travel with your pet, this policy could be the right one for you, as well because through its pet assistance, RACV covers the costs of pet-friendly emergency accommodation if you’re left stranded more than 100 kilometres from your home.

Any catches?

Apart from only being available in Victoria, be aware that Complete Care Car Insurance comes with an unlisted young driver excess of $1,600 - so be sure to name any drivers under the age of 25 on your policy.

Details

Rates and fees information correct as at 13 November 2019. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Discounts and excesses
  • $0 - $2,000

  • $400 for listed drivers under 25, $1,600 for unlisted drivers under 25, $400 for inexperienced drivers over 25.

  • (TAS)
    (NT)
    (SA)
    (QLD)
    (ACT)
    (WA)
    65% (VIC)
    (NSW)

  • 5 years

  • n/a

  • 10% discount if you have home and vehicle

  • Maximum no claim discount is protected for life against no-fault claims in past 1 year and having held the maximum no claims discount level in past 1 year.

  • Loyalty discount pdepending on years of membership

Service features
  • Optional Extra

  • n/a

  • n/a

Coverage summary
  • Agreed

  • - within 3 years of original registration

  • Up to $1,000 if damaged or stolen.

  • Yes - $0 windscreen excess.

  • Up to $800

  • Reasonable towing costs. Up to $500 travel costs. Up to $1,500 accommodation costs (max $150 per day) if greater than 100 km from home.

  • - Unlimited days, max $100 per day.

  • t at fault - Yes. At fault - Yes. Unlimited days, max $100 per day.

  • Yes - legal liability cover when using a substitute vehicle. $3,000 contribution towards excess or security bond when using a hire car after an event.

  • Up to $1,000

  • Up to $1,000 if stolen.

  • Up to $500 per item

  • Automatically covered.

*as voted by the Mozo community

Details

Rates and fees information correct as at 13 November 2019. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Discounts and excesses
  • costs extra

  • $0 - $2,000

  • $400 for listed drivers under 25, $1,600 for unlisted drivers under 25, $400 for inexperienced drivers over 25.

  • (TAS)
    (NT)
    (SA)
    (QLD)
    (ACT)
    (WA)
    65% (VIC)
    (NSW)

  • 5 years

  • n/a

  • 10% discount if you have home and vehicle

  • Maximum no claim discount is protected for life against no-fault claims in past 1 year and having held the maximum no claims discount level in past 1 year.

  • 10% multi-policy discount, loyalty discount, no claim discount

Service features
  • Optional Extra

  • Optional Extra

  • n/a

  • n/a

Coverage summary
  • Agreed or Market

  • - within 2 years of original registration

  • Up to $500 if damaged or stolen.

  • Yes - standard excess. Option to reduce windscreen excess to $0 for an additional premium.

  • Up to $800

  • Reasonable towing costs.

  • - Up to 21 days, max $60 per day.

  • t at fault - Yes. At fault - Optional Extra. Up to 14 days, max $60 per day.

  • Yes - legal liability cover when using a substitute vehicle. $2,000 contribution towards excess or security bond when using a hire car after an event.

  • Up to $1,000

  • Up to $1,000 if stolen.

  • Up to $500 per item

  • Automatically covered.

*as voted by the Mozo community

Customer Reviews

How are RACV car insurance rated by the Mozo community?

Overall customer rating
7.9/10
Value for money
7.2/10
Policy coverage
7.7/10
Customer service
8.0/10
Claims handling
7.8/10
Trust
8.0/10

Latest reviews of RACV Comprehensive Car Insurance

  • Overall
    8/10
    You get what you pay for!

    RACV may not be the cheapest but you get what you pay for. I've never had any issues when it's...

    RACV may not be the cheapest but you get what you pay for. I've never had any issues when it's come to claim and that's been 3 times over the past 15 years!

    Value for money
    6/10
    Policy coverage
    7/10
    Customer service
    9/10
    Claims handling
    9/10
    Trust
    8/10

    Rhiannon | Victoria

    reviewed 1 day ago

  • Overall
    8/10
    Trusted big name and fair.

    You can trust that coverage is provided and roadside assistance is really handy. It's probably...

    You can trust that coverage is provided and roadside assistance is really handy. It's probably because it's a bigger name that there is more trust, too. Not cheap for under 25, but not exactly a rip off, either.

    Value for money
    6/10
    Policy coverage
    6/10
    Customer service
    10/10
    Claims handling
    9/10
    Trust
    9/10

    Lucia | Victoria

    reviewed 2 days ago

  • Overall
    7/10
    RACV is value for money.

    I have been with RACV for more than 10 years. They offer great product bundling discounts.

    I have been with RACV for more than 10 years. They offer great product bundling discounts.

    Value for money
    7/10
    Policy coverage
    8/10
    Customer service
    7/10
    Claims handling
    7/10
    Trust
    7/10

    Stephen | Victoria

    reviewed 6 days ago

  • Overall
    10/10
    Trustworthy and reliable insurance.

    RACV insurance is trustworthy and reliable. Staff are extremely helpful, polite and...

    RACV insurance is trustworthy and reliable. Staff are extremely helpful, polite and compassionate. Claims are sorted promptly and hassle free.

    Value for money
    10/10
    Policy coverage
    10/10
    Customer service
    10/10
    Claims handling
    10/10
    Trust
    10/10

    Sharrie | Victoria

    reviewed 7 days ago

  • Overall
    10/10
    Great customer service

    When I have had to make calls to RACV, there is never an issue with the information that is...

    When I have had to make calls to RACV, there is never an issue with the information that is required. I had to call to change address information and the lady was just so easy to talk to, and made sure that I had changed all of the information that was required. Awesome experience.

    Value for money
    10/10
    Policy coverage
    10/10
    Customer service
    10/10
    Claims handling
    10/10
    Trust
    8/10

    Geoff | Victoria

    reviewed 9 days ago

RACV

About RACV

See RACV car insurance