RACV - Comprehensive Car Insurance

RACV Comprehensive Car Insurance Review

Rates and fees information correct as at 24 April 2018.

Review published: 20 September 2017

What's hot:

  • 2017 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 514
RACV car insurance reviews

7.3 7.8 8.0 7.7 7.9

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 (VIC), reviewed 21 days 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 (VIC), reviewed about 2 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 (VIC), reviewed about 2 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

    Claims handling   -1 / 10

    Trust   8 / 10

Less

Alyssa (VIC), reviewed 2 months ago

RACV

RACV Complete Care Car Insurance car insurance review

Overall rating   8 / 10

Excellent customer service that cannot be beaten

They were really helpful when I had to make a claim last year.

Full review

They were really helpful when I had to make a claim last year.

    Value for money   8 / 10

    Policy coverage   / 10

    Customer service   / 10

    Claims handling   / 10

    Trust   / 10

Less

Owain (VIC), reviewed 10 months 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 named drivers under 25, $1600 for unnamed driver under 25. Over 25: $400 if less than 2 years licensed.

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

  • 5 years

  • $50 RACV Tickets voucher

  • 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

  • Pet friendly accommodation up to $50 per night, for up to 10 nights.

  • none

Coverage summary

  • Agreed

  • - within 3 years of registration.

  • Up to $1000 cover when car damaged/stolen.

  • Covered with no excess

  • Up to $800

  • Reasonable towing cost. $150 per day for accommodation, max 10 days (>100km from home), $500 for travel

  • - unlimited days. Max $100 daily.

  • - unlimited days. Max $100 daily.

  • $3000 contribution towards excess or security bond required; legal liability cover when using a substitute vehicle

  • Up to $1000, excluding contents of both trailer and caravan

  • Up to $1000 if stolen

  • Up to $500 per item if stolen or damaged.

  • Automatically covered.

Discounts and excesses

  • costs extra

  • $0 - $2,000

  • $400 for named drivers under 25, $1600 for unnamed driver under 25. Over 25: $400 if less than 2 years licensed.

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

  • 5 years

  • $50 RACV Tickets voucher

  • 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 registration.

  • Up to $500 cover when car damaged.

  • Covered. Can pay extra premium for windscreen cover with no excess.

  • Up to $800

  • Reasonable towing for one tow.

  • - 21 days. $60 max daily.

  • Optional extra - 14 days. $60 max daily

  • $2000 contribution towards excess or security bond required; legal liability cover when using a substitute vehicle

  • Up to $1000, excluding contents of both trailer and caravan

  • Up to $1000 if stolen

  • Up to $500 per item if stolen or damaged.

  • 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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