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RACV Comprehensive Car Insurance

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

Monthly premiums available
Yes
Maximum no claim discount
up to 65%
Online discount
n/a
Choice of repairer
Yes
Monthly premiums available
Yes costs extra
Maximum no claim discount
up to 65%
Online discount
n/a
Choice of repairer
Optional Extra

Mozo editorial review RACV Comprehensive Car Insurance

Last updated: 27 May 2020.

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What's hot
  • 2019 Mozo Experts Choice Award
  • Loyalty discount up to 20%
  • 10% multi-policy discount
  • Monthly premium payments at no extra cost
What's not
  • Up to $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.

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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 $1,000 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 after a theft or not-at-fault accident. If you would like the added security of roadside assistance then you’ll have to select this feature as an optional extra.

RACV 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.

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Who is it 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. Through its pet assistance, RACV covers the costs of pet-friendly emergency accommodation (up to $50 per night) if you’re left stranded more than 100 kilometres from your home.

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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 18 September 2020. 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
  • Yes

  • $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

  • Yes

  • Yes

  • n/a

  • n/a

Coverage summary
  • Agreed

  • Yes - 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.

  • Yes - Unlimited days, max $100 per day.

  • Not 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.

  • No

  • Yes

*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).

Details

Rates and fees information correct as at 18 September 2020. 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
  • Yes 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

  • Yes

  • n/a

  • n/a

Coverage summary
  • Agreed or Market

  • Yes - 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.

  • Yes - Up to 21 days, max $60 per day.

  • Not 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.

  • No

  • Yes

*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).

Customer Reviews

How are RACV car insurance rated by the Mozo community?

Overall
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
7.9/10

Latest reviews of RACV Comprehensive Car Insurance

  • Overall 10/10
    RACV loyalty.

    I like RACV as they show loyalty to their customers with things like a multi-policy discount and other offers such as accomodation discounts, etc. They also have very competitive prices and their customer service is great.

    Read full review

    I like RACV as they show loyalty to their customers with things like a multi-policy discount and other offers such as accomodation discounts, etc. They also have very competitive prices and their customer service is great.

    Value for money
    10/10
    Policy coverage
    10/10
    Customer service
    10/10
    Claims handling
    10/10
    Trust
    10/10
    Less
    Lucia, Victoria reviewed 3 days ago
  • Overall 8/10
    Great

    Reliable and get things done.

    Read full review

    Reliable and get things done.

    Value for money
    8/10
    Policy coverage
    8/10
    Customer service
    8/10
    Claims handling
    9/10
    Trust
    8/10
    Less
    Jenni, Victoria reviewed 3 days ago
  • Overall 1/10
    RACV only interested in the money they can collect

    Have had car insurance for 48 years, never had an accident with a moving car, hit once whilst parked. When I put a claim in with RACV they took 2 months to send an assessor, they argued with our preferred repairer for a month (we didn't know). When we contacted them about why it was taking so long they told us they didn't agree with the repair amount. Took it to another assessor who quoted similar so now I had two quotes, one for $5200 and one for $5000. RACV wouldn't pay offered us $2000, took it to AFCA and waited 5 months, net result $2800 offered. Not enough to pay for half the repair at any repair shop. So stuck trying to fix the car myself after a wait of 8 months driving a car with smashed tail light and dints and scratches to body.

    Read full review

    Have had car insurance for 48 years, never had an accident with a moving car, hit once whilst parked. When I put a claim in with RACV they took 2 months to send an assessor, they argued with our preferred repairer for a month (we didn't know). When we contacted them about why it was taking so long they told us they didn't agree with the repair amount. Took it to another assessor who quoted similar so now I had two quotes, one for $5200 and one for $5000. RACV wouldn't pay offered us $2000, took it to AFCA and waited 5 months, net result $2800 offered. Not enough to pay for half the repair at any repair shop. So stuck trying to fix the car myself after a wait of 8 months driving a car with smashed tail light and dints and scratches to body.

    Value for money
    1/10
    Policy coverage
    1/10
    Customer service
    1/10
    Claims handling
    1/10
    Trust
    1/10
    Less
    Warren, Victoria reviewed 25 days ago
  • Overall 9/10
    Will be staying with them.

    Only had one claim, it was attended to efficiently. Assisted with reducing cost when I said I was a pensioner.

    Read full review

    Only had one claim, it was attended to efficiently. Assisted with reducing cost when I said I was a pensioner.

    Value for money
    7/10
    Policy coverage
    8/10
    Customer service
    10/10
    Claims handling
    10/10
    Trust
    10/10
    Less
    Liene, Victoria reviewed 6 months ago
  • Overall 1/10
    Most expensive and no customer service.

    My association with the RACV began when I was 14. Holden donated a car and RACV provided the finance for a in schools program. I was trained in the theory of driving and given practical lessons in the local farming area. When i began driving RACV insured my car for the first 10 years as well as membership in the car care. As i got married and had a young family we could no longer insure with RACV but we kept up the roadside assist. So to us RACV was a trusted brand/club. It is sad to see how RACV has changed in recent years. When insuring our car last year we chose RACV even though the cost was hundreds of dollars more than Budget Direct. In October my wife parked the car at a local park and took the grand children to play. When they returned to the car someone had damaged the side door, damaged the bumper and smashed the rear tail lights. It was the 9th of October. We contacted the RACV and began the claims process. Took the car to our repairer, they inspected it described the repairs that would be necessary, took pictures, we then took the car home and waited for the RACV assessor, and waited , and waited. We contacted RACV and were told there were delays, eventually after 6 weeks RACV contacted us and sent an assessor. He arrived, walked around the car made insults about our repairer and left. After another 2 weeks we contacted RACV and we were told that they couldn't come to an agreed cost on the repair. I suggested that i go and get an independent quote. He asked where i would get an independent assessment. I told him Cranwell, because when we had been forced to use them last time they had described the repair as it should be done. So i went to Cranwell to get an independent assessment , explained the situation and told them i needed an independent quote. They took photos and told me they would get back to me with a quote. Three days later Cranwell contacted us with a order number for repairs, RACV had been in contact with them and they were going to do the repair. We never got a quote from Cranwell, RACV had taken over the quote somehow. So i went and got an independent quote else where. The two quotes were within $300 of each other around $5000 they described the repair as it should be done (no short cuts). Contacted RACV and talked about the second quote. A few days later they contacted us, he offered us a $2500 cash settlement; half the amount it would take to fix the car. He told me "If you dont take this you will be waiting a long time, take it up with AFCA good luck". True to his word we are still waiting. Holding customers to ransom, offering half payments, deliberate delay of the assessment process, deliberate delay of repairs all in an attempt to halve costs. We had considered Budget Direct, they couldn't have been worse than the dirty tricks that RACV has pulled. The general public needs to know your processes, they need to know that RACV will delay,threaten, use whatever means possible to reduce the payouts in real cases. Our car has been unroadworthy since it was hit, we have only one car to transport my disabled daughter and my wheelchair bound wife. RACV has caused months of worry, we have been forced to drive an unroadworthy car. I am going to seek the help of "A Current Affair" to resolve these problems, you need to change your processes, for-fill your obligations as an insurance company. At the cost you charge RACV should set an example of how it should be done, rather than an example of the worst insurance in Australia.

    Read full review

    My association with the RACV began when I was 14. Holden donated a car and RACV provided the finance for a in schools program. I was trained in the theory of driving and given practical lessons in the local farming area. When i began driving RACV insured my car for the first 10 years as well as membership in the car care. As i got married and had a young family we could no longer insure with RACV but we kept up the roadside assist. So to us RACV was a trusted brand/club. It is sad to see how RACV has changed in recent years. When insuring our car last year we chose RACV even though the cost was hundreds of dollars more than Budget Direct. In October my wife parked the car at a local park and took the grand children to play. When they returned to the car someone had damaged the side door, damaged the bumper and smashed the rear tail lights. It was the 9th of October. We contacted the RACV and began the claims process. Took the car to our repairer, they inspected it described the repairs that would be necessary, took pictures, we then took the car home and waited for the RACV assessor, and waited , and waited. We contacted RACV and were told there were delays, eventually after 6 weeks RACV contacted us and sent an assessor. He arrived, walked around the car made insults about our repairer and left. After another 2 weeks we contacted RACV and we were told that they couldn't come to an agreed cost on the repair. I suggested that i go and get an independent quote. He asked where i would get an independent assessment. I told him Cranwell, because when we had been forced to use them last time they had described the repair as it should be done. So i went to Cranwell to get an independent assessment , explained the situation and told them i needed an independent quote. They took photos and told me they would get back to me with a quote. Three days later Cranwell contacted us with a order number for repairs, RACV had been in contact with them and they were going to do the repair. We never got a quote from Cranwell, RACV had taken over the quote somehow. So i went and got an independent quote else where. The two quotes were within $300 of each other around $5000 they described the repair as it should be done (no short cuts). Contacted RACV and talked about the second quote. A few days later they contacted us, he offered us a $2500 cash settlement; half the amount it would take to fix the car. He told me "If you dont take this you will be waiting a long time, take it up with AFCA good luck". True to his word we are still waiting. Holding customers to ransom, offering half payments, deliberate delay of the assessment process, deliberate delay of repairs all in an attempt to halve costs. We had considered Budget Direct, they couldn't have been worse than the dirty tricks that RACV has pulled. The general public needs to know your processes, they need to know that RACV will delay,threaten, use whatever means possible to reduce the payouts in real cases. Our car has been unroadworthy since it was hit, we have only one car to transport my disabled daughter and my wheelchair bound wife. RACV has caused months of worry, we have been forced to drive an unroadworthy car. I am going to seek the help of "A Current Affair" to resolve these problems, you need to change your processes, for-fill your obligations as an insurance company. At the cost you charge RACV should set an example of how it should be done, rather than an example of the worst insurance in Australia.

    Value for money
    0/10
    Policy coverage
    0/10
    Customer service
    0/10
    Claims handling
    0/10
    Trust
    0/10
    Less
    Warren, Victoria reviewed 7 months ago
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