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 product that suits you best
| Name | |
|---|---|
| | Complete Care Car Insurance |
| | Comprehensive Car Insurance |
Complete Care Car Insurance
Comprehensive Car Insurance
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 two 2021 Mozo Experts Choice Awards - in the Exceptional Quality and Exceptional Value Car Insurance categories - 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.
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.
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.
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.
| Yes | |
| $0 - $2,000 | |
| $400 for listed drivers under 25, $1,600 for unlisted drivers under 25, $400 for inexperienced drivers over 25. | |
| (TAS) | |
| 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 |
| Optional Extra | |
| Yes | |
| Yes | |
| n/a | |
| n/a |
| 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 |
*Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.
| 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) | |
| 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 |
| Optional Extra | |
| Optional Extra | |
| Yes | |
| n/a | |
| n/a |
| 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 |
*Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.
I think roadside assist is the best element of being a RACV member. I find their website clear and when I've spoken to them on the phone I've had no issues communicating. Good value for money.
Read full reviewI think roadside assist is the best element of being a RACV member. I find their website clear and when I've spoken to them on the phone I've had no issues communicating. Good value for money.
RACV is a great insurance company because it offers great customer service, loyalty discounts for being a member, member services such as road side assistance. Pro: always responsive; Cons: takes too long to become a gold member (I think I will be dead before I get there).
Read full reviewRACV is a great insurance company because it offers great customer service, loyalty discounts for being a member, member services such as road side assistance. Pro: always responsive; Cons: takes too long to become a gold member (I think I will be dead before I get there).
RACV is well known and trustworthy but not flexible. It is not a cheap option for young people who need comprehensive insurance the most.
Read full reviewRACV is well known and trustworthy but not flexible. It is not a cheap option for young people who need comprehensive insurance the most.
They seem to be the cheapest at the moment but we are a silver member. Haven't had to claim, so not sure what they are like. Wish they discounted during Covid as I didn't use my car.
Read full reviewThey seem to be the cheapest at the moment but we are a silver member. Haven't had to claim, so not sure what they are like. Wish they discounted during Covid as I didn't use my car.
Came through with the claim was handled professionally after a few hiccups. When it was handed over to sally in claims everything went smoothly.
Read full reviewCame through with the claim was handled professionally after a few hiccups. When it was handed over to sally in claims everything went smoothly.