Choose the version of this product that suits you best
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Complete Care Car Insurance |
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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 a 2023 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.
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.
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Yes |
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$0 - $2,000 |
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$400 for listed drivers under 25, $1,600 for unlisted drivers under 25, $400 for inexperienced drivers over 25. |
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(TAS) |
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5 years |
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n/a |
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10% discount if you have home and vehicle |
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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. |
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Loyalty discount pdepending on years of membership |
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Optional Extra |
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Yes |
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Yes |
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n/a |
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n/a |
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VIC |
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Agreed |
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Yes - within 3 years of original registration |
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Up to $1,000 if damaged or stolen. |
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Yes - $0 windscreen excess. |
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Up to $800 |
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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. |
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Yes - Unlimited days, max $100 per day. |
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Not at fault - Yes. At fault - Yes. Unlimited days, max $100 per day. |
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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. |
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Up to $1,000 |
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Up to $1,000 if stolen. |
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Up to $500 per item |
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Automatically covered. |
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No |
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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.
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Yes costs extra |
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$0 - $2,000 |
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$400 for listed drivers under 25, $1,600 for unlisted drivers under 25, $400 for inexperienced drivers over 25. |
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(TAS) |
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5 years |
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n/a |
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10% discount if you have home and vehicle |
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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. |
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10% multi-policy discount, loyalty discount, no claim discount |
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Optional Extra |
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Optional Extra |
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Yes |
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n/a |
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n/a |
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VIC |
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Agreed or Market |
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Yes - within 2 years of original registration |
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Up to $500 if damaged or stolen. |
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Yes - standard excess. Option to reduce windscreen excess to $0 for an additional premium. |
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Up to $800 |
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Reasonable towing costs. |
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Yes - Up to 21 days, max $60 per day. |
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Not at fault - Yes. At fault - Optional Extra. Up to 14 days, max $60 per day. |
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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. |
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Up to $1,000 |
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Up to $1,000 if stolen. |
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Up to $500 per item |
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Automatically covered. |
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No |
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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.
Been a really good car insurance I’ve been with RACV for about 9 years and haven’t had a issue with them the rates are somewhat high but think most company are the same
Read full reviewBeen a really good car insurance I’ve been with RACV for about 9 years and haven’t had a issue with them the rates are somewhat high but think most company are the same
I have been with RACV for about 15 years now, and have always found them amazing to deal with. They provide a multi policy discount as my husband is insured with them too as is our house. Great customer service too. Wouldn't go with anyone else.
Read full reviewI have been with RACV for about 15 years now, and have always found them amazing to deal with. They provide a multi policy discount as my husband is insured with them too as is our house. Great customer service too. Wouldn't go with anyone else.