RACV - Comprehensive Car Insurance

RACV Comprehensive Car Insurance Review

Rates and fees information correct as at 21 November 2018.

Review published: 20 September 2017

What's hot:

  • 2018 Mozo Experts Choice Winner

  • 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 Mozo Experts Choice Award in the Exceptional Quality 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 on your car insurance costs 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.

How is RACV car insurance rated by the Mozo community?

Product Type Overall Rating Price Features Service Claims Handling Trust
7.9

Based on 1287
RACV car insurance reviews

7.2 7.7 8.0 7.8 8.0

Read RACV car insurance reviews by the Mozo community

Latest reviews of RACV Comprehensive Car Insurance

RACV

RACV Complete Care Car Insurance car insurance review

Overall rating   7 / 10

Lack of communication

They do not communicate a lot about offers.

Full review

They do not communicate a lot about offers.

    Value for money   8 / 10

    Policy coverage   8 / 10

    Customer service   6 / 10

    Claims handling   6 / 10

    Trust   6 / 10

Less

Caroline, Victoria, reviewed 8 months ago

RACV

RACV Complete Care Car Insurance car insurance review

Overall rating   5 / 10

Could do better

Could get a cheaper rate with a broader search.

Full review

Could get a cheaper rate with a broader search.

    Value for money   1 / 10

    Policy coverage   10 / 10

    Customer service   2 / 10

    Claims handling   9 / 10

    Trust   9 / 10

Less

Melissa, Victoria, reviewed 9 months ago

RACV

RACV Complete Care Car Insurance car insurance review

Overall rating   10 / 10

Excellent customer service and premiums

Love racv, excellent rates and options

Full review

Love racv, excellent rates and options

    Value for money   10 / 10

    Policy coverage   10 / 10

    Customer service   10 / 10

    Claims handling   10 / 10

    Trust   10 / 10

Less

Leanne, Victoria, reviewed 9 months ago

RACV

RACV Complete Care Car Insurance car insurance review

Overall rating   8 / 10

They are great

They are great.

Full review

They are great.

    Value for money   8 / 10

    Policy coverage   8 / 10

    Customer service   8 / 10

    Trust   8 / 10

Less

Alyssa, Victoria, reviewed 9 months ago

RACV

RACV Complete Care Car Insurance car insurance review

Overall rating   9 / 10

Great customer service, friendly, helpful services

friendly and helpful service with enquiries

Full review

friendly and helpful service with enquiries

    Value for money   8 / 10

Less

Jackie, Victoria, reviewed over 1 year 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. Reviewers may receive a voucher from Mozo in exchange for their review. Vouchers are given to all reviewers who meet our review guidelines regardless of the sentiment of their reviews.

Currently showing

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

  • none

  • none

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 and $1,500 accommodation costs (max $150 per day) if greater than 100 km from home.

  • - Unlimited days, max $100 per day.

  • - 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 excluding contents.

  • Up to $1,000 if stolen.

  • Up to $500 per item

  • Automatically covered.

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

  • none

  • none

Coverage summary

  • Agreed or Market

  • - within 2 years of original registration

  • Up to $1,000 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.

  • 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 excluding contents.

  • Up to $1,000 if stolen.

  • Up to $500 per item

  • Automatically covered.

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).

(*as voted by the Mozo community)

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