Name: RACV car insurance
Brand: RACV
Rating: 4.0 (1439 reviews)

RACV car insurance

Comprehensive Car Insurance

Monthly premiums

Yes costs extra

Choice of repairer

Optional Extra

Choice of excess

$0 - $2,000

Agreed or market value

Agreed or Market
Available discounts

No claim discount

10% discount if you have home and vehicle

10% multi-policy discount, loyalty discount, no claim discount
No Partner link
Details Close

Monthly premiums available

Yes costs extra

Choice of repairer

Optional Extra

Choice of excess

$0 - $2,000

Agreed or market value

Agreed or Market

Discounts available

No claim discount|10% discount if you have home and vehicle|10% multi-policy discount, loyalty discount, no claim discount

Quote time

-

States where offered

VIC

Roadside assistance

Optional Extra

Genuine parts

Yes - If car is under 3 years old.

New car if written off

Yes - within 2 years of original registration

Windscreen cover

Yes - standard excess. Option to reduce windscreen excess to $0 for an additional premium.

Personal property cover

Up to $500 if damaged or stolen.

Replacement key cover

Up to $1,000 if stolen.

Baby capsule or child seat cover

Up to $500 per item

Trailer or caravan cover

Up to $1,000

Modifications

Automatically covered.

Emergency repairs

Up to $800

Emergency options

Reasonable towing costs. Up to $1,000 in travel and temporary accommodation costs if greater than 100 km from home.

Rental car after theft

Yes - Up to 21 days, max $60 per day.

Rental car after accident

Not at fault - Yes. At fault - Optional Extra. Up to 14 days, max $60 per day.

Rental car liability

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.

Legal liability cover

$20,000,000

Accidental death of driver

No

Young driver excess imposed

$400 for listed drivers under 25, $1,600 for unlisted drivers under 25, $400 for inexperienced drivers over 25.

Rideshare cover

Yes

Other restrictions

-

Other benefits

-

Online discount

n/a

Multi-policy discount

10% discount if you have home and vehicle

No claim discount

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.

Low km discount

false
Complete Care Car Insurance

Monthly premiums

Yes

Choice of repairer

Yes

Choice of excess

$0 - $2,000

Agreed or market value

Agreed or Market
Available discounts

No claim discount

10% discount if you have home and vehicle

Loyalty discount pdepending on years of membership
No Partner link
Details Close

Monthly premiums available

Yes

Choice of repairer

Yes

Choice of excess

$0 - $2,000

Agreed or market value

Agreed or Market

Discounts available

No claim discount|10% discount if you have home and vehicle|Loyalty discount pdepending on years of membership

Quote time

-

States where offered

VIC

Roadside assistance

Optional Extra

Genuine parts

Yes - If car is under 3 years old.

New car if written off

Yes - within 3 years of original registration

Windscreen cover

Yes - $0 windscreen excess.

Personal property cover

Up to $1,000 if damaged or stolen.

Replacement key cover

Up to $1,000 if stolen.

Baby capsule or child seat cover

Up to $500 per item

Trailer or caravan cover

Up to $1,000

Modifications

Automatically covered.

Emergency repairs

Up to $800

Emergency options

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.

Rental car after theft

Yes - Unlimited days, max $100 per day.

Rental car after accident

Not at fault - Yes. At fault - Yes. Unlimited days, max $100 per day.

Rental car liability

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.

Legal liability cover

$20,000,000

Accidental death of driver

No

Young driver excess imposed

$400 for listed drivers under 25, $1,600 for unlisted drivers under 25, $400 for inexperienced drivers over 25.

Rideshare cover

Yes

Other restrictions

-

Other benefits

-

Online discount

n/a

Multi-policy discount

10% discount if you have home and vehicle

No claim discount

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.

Low km discount

false

Customer reviews

Important disclosures

Important information about the Mozo customer ratings

Mozo recommends that ratings are only one factor to be taken into account when deciding whether to take up any financial product offer.

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. More about the Mozo customer ratings.

Phil

Victoria - about 14 hours ago

4.0

Good price, no issues yet

We switched to RACV because it was cheaper than the insurer we were with, despite a lot of negative reviews surrounding the time it takes to get a claim paid out. Haven't yet had to make a claim and hopefully won't have to find out if that reputation is true.

Price

4.0
Features

4.0
Trust

3.5

Buket

Victoria - 28 days ago

0.5

RACV ARE THE WORS INSURANCE COMPANY EVER

RACV IS THE WORST INSURANCE COMPANY EVERY. WAITING ON THE PHONE FOR 17 HOURS NO ANSWER, ESCALATED TO DI IN MEMBER COMPLAINTS, SHE CANNOT ASSIST AS SHE IS NOT IN CLAIMS. I HAVE BEEN A MEMBER FOR 32 YEARS AND YOU HAVE RIPPED ME OFF. I PAY $230 A MONTH WHEN EVERYONE I SPEAK TO PAYS $130 A MONTH. RACV AND IAG ARE CROOKS. DO NOT INSURE WITH THEM. THEY DO NOT EVEN FALL UNDER REGULATORS AS THEY ARE NOT PART OF CODE OF CONDUCT WHICH APPLIES TO ALL OF THE OTHER INSURANCE COMPANIES. AVOID AT ALL COSTS.

Price

0.5
Features

0.5
Service

0.5
Convenience

0.5
Trust

0.5

Victoria

Victoria - about 1 month ago

Product name: Comprehensive Car Insurance

0.5

Terrible all round

1. I was with RACV for many years, had to make a claim for a not at fault and they refused to cover all damage from the incident. 2. Premiums keep going up, started at $130 a month then to $180 per month, then to $190 per months, then wanted to go up to $230 per month (no claims made between 180-230). I quickly cancelled and they still charged me an extra month. 3. I brushed passed a car and accidentally made an approx 15cm scratch with my handbag, not a very deep scratch. Person made a claim a month later with RACV and they are now trying to charge me $2,343.64 RACV is price gouging and money hungry.

Price

0.5
Features

0.5
Service

0.5
Convenience

0.5
Trust

0.5

Nikki

Victoria - 3 months ago

0.5

Terrible service, inability to escalate complaint

Claims handling is beyond appalling. Paid extra for choice of repairer. Claim has been sitting with assessor team for 22 business days. 6 follow up calls including 2 to register a complaint. No ability to speak to a line 2 escalation team, supervisor or complaints team. Appalling customer service. Now feel like I'm being held to ransome by my insurer. Will be moving my 4 policies to another provider at the conclusion of the claim. Particarly upsetting because this is a not at fault claim which RACV will recoup all monies from the at fault third party.

Price

0.5
Service

0.5
Convenience

0.5
Trust

0.5

Jethro

Victoria - 4 months ago

Product name: Comprehensive Car Insurance

4.0

RACV: reliable, comprehensive, and pricey

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.

Price

3.5
Features

4.5
Service

4.5
Convenience

3.5
Trust

5.0

Jack

Victoria - 5 months ago

Product name: Comprehensive Car Insurance

0.5

Useless when you need it

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.

Price

0.5
Features

0.5
Service

0.5
Convenience

0.5
Trust

0.5

Karena

Victoria - 5 months ago

Product name: Comprehensive Car Insurance

5.0

Great value

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.

Price

5.0
Features

5.0
Service

5.0
Convenience

5.0
Trust

5.0

Jade

Victoria - 5 months ago

Product name: Comprehensive Car Insurance

5.0

Ticks all boxes when it comes to car insurances.

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

Price

3.5
Features

4.0
Service

4.5
Convenience

4.5
Trust

5.0

Colin

Victoria - 5 months ago

3.5

great company

great company to deal with. claim experience easy

Price

4.5
Features

4.5
Convenience

3.5
Trust

4.5

Colin

Victoria - 5 months ago

4.5

great company

great company to deal with. highly recommended

Price

4.5
Service

4.5
Convenience

4.5
Trust

5.0

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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.

RACV car insurance

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