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 or Market |
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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 |
^See information about the Mozo Expert Choice Car Insurance Awards
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. Up to $1,000 in travel and temporary accommodation costs if greater than 100 km from home. |
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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 |
^See information about the Mozo Expert Choice Car Insurance Awards
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.
We have been with other car insurance companies in the past like AAMI and seniors insurance but RACV has been the best move and we can't believe we weren't with them earlier. We never have accidents which are our fault but once or twice when we have had accidents through fault of others, corresponding with RACV has been fantastic and efficient, and they are the cheapest as well. No cons with them so far.
Read full reviewWe have been with other car insurance companies in the past like AAMI and seniors insurance but RACV has been the best move and we can't believe we weren't with them earlier. We never have accidents which are our fault but once or twice when we have had accidents through fault of others, corresponding with RACV has been fantastic and efficient, and they are the cheapest as well. No cons with them so far.
Unable to replace a damaged bumper bar in a timely manner. I had to get it fixed myself at my own cost as they had no approved repairers in the area. Left me stranded. No panel beaters in the area will work for them and claims person could not tell me where they would be taking my car while they found a repairer and expected me to leave my car with luggage and pets on the side of a country road and walk 50kms topics up a hire car. Very lengthy claims process, person had no idea about anything. Really wasn't worth paying for the cover if you can't use it when needed. RACV do not care about their customers, not even if you e been with them for 40+ years. A month after the event I still did not get a quote from their assessors.
Read full reviewUnable to replace a damaged bumper bar in a timely manner. I had to get it fixed myself at my own cost as they had no approved repairers in the area. Left me stranded. No panel beaters in the area will work for them and claims person could not tell me where they would be taking my car while they found a repairer and expected me to leave my car with luggage and pets on the side of a country road and walk 50kms topics up a hire car. Very lengthy claims process, person had no idea about anything. Really wasn't worth paying for the cover if you can't use it when needed. RACV do not care about their customers, not even if you e been with them for 40+ years. A month after the event I still did not get a quote from their assessors.
Firstly the customer service representative I spoke to was extremely helpful and thorough when explaining the insurance package and making sure that you understand what you are agreeing to and happy with decision you make I can't really say I have had any cons as yet I haven't been with them that long But so far they have seemed fair The only thing I would suggest keeping an eye on when joining make sure they have all the details correct I love the fact you can call at anytime and speak with someone on the phone to set you up and the fact you are covered from then on even though the first instalment doesn't come out til after 21 days on a date agreed to with the phone representative
Read full reviewFirstly the customer service representative I spoke to was extremely helpful and thorough when explaining the insurance package and making sure that you understand what you are agreeing to and happy with decision you make I can't really say I have had any cons as yet I haven't been with them that long But so far they have seemed fair The only thing I would suggest keeping an eye on when joining make sure they have all the details correct I love the fact you can call at anytime and speak with someone on the phone to set you up and the fact you are covered from then on even though the first instalment doesn't come out til after 21 days on a date agreed to with the phone representative
I've found that RACV car insurance has competitive pricing, and excellent customer service. I value the range of options, including roadside assistance and flexible payment plans. The claims process is usually smooth and efficient, with quick resolutions. However, I find premiums slightly higher than competitors and occasional issues with specific claim assessments. Overall, RACV provides reliable and extensive car insurance, making it a strong choice despite the potential for higher premiums.
Read full reviewI've found that RACV car insurance has competitive pricing, and excellent customer service. I value the range of options, including roadside assistance and flexible payment plans. The claims process is usually smooth and efficient, with quick resolutions. However, I find premiums slightly higher than competitors and occasional issues with specific claim assessments. Overall, RACV provides reliable and extensive car insurance, making it a strong choice despite the potential for higher premiums.
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