based on 9 RACV banking product reviews as rated by Mozo community

RACV home insurance

RACV is a Victorian-based mutual organisation with over 3,000 employees and more than two million members. RACV's Combined Buildings and Contents Insurance goal is to provide greater choice, with the flexibility to tailor your level of cover to suit your needs no matter what happens.

In 2021, RACV took home two Mozo People's Choice Awards for Outstanding Customer Satisfaction and Highly Trusted. 

RACV offers the following home insurance

Rates and fees verified as correct at 27 May 2022. Other information correct at the time of writing.
Advertiser disclosure.

Product Main Events covered Monthly payments cost extra Underinsurance protection New for old replacement
Home Insurance
Image of fire Fire
Image of theft Theft
Image of storm Storm
Image of flood Flood

Yes

No

Yes

Home Insurance
Image of fire Fire
Image of theft Theft
Image of storm Storm
Image of flood Flood

Yes

No

Yes

Home Insurance
Image of fire Fire
Image of theft Theft
Image of storm Storm
Image of flood Flood

Yes

No

Yes

How is RACV home insurance rated?

Mozo users have rated RACV home insurance on price, features, convenience, trust and customer service so you can see what real Aussies have to say about their experiences.

Icon of home-insurances
RACV home insurance
Overall
Value for money
Policy coverage
Customer service
Claims handling
Trust

179 Reviews

Recent RACV home insurance reviews

RACV Home & Contents Insurance
Overall 10/10
Excellent customer service staff and company.

I had to make a claim for my house and car at Xmas 2017. My house burnt down, and the car was a write off. They were fantastic every step of the way, with regular calls. They are more expensive than most others with their premiums, but worth it totally. The car was paid out in a week, which enabled the family to get out and about, fantastic.

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I had to make a claim for my house and car at Xmas 2017. My house burnt down, and the car was a write off. They were fantastic every step of the way, with regular calls. They are more expensive than most others with their premiums, but worth it totally. The car was paid out in a week, which enabled the family to get out and about, fantastic.

Value for money
9/10
Policy coverage
10/10
Customer service
10/10
Claims handling
10/10
Trust
10/10
Less
Pam, Victoria, reviewed 5 months ago
RACV Home & Contents Insurance
Overall 2/10
Not understanding and when you make a claim.

I had to fight they for a claim for over 6.5 months on a claim. I had to threaten them with legal and media coverage before they paid or replace my items. I live in a high crime region and I have been broken into a number of times. They kept on asking for evidence and even sent a private investigator to investigate me. The thing is I was overseas during the time I was broken into. I am waiting for three years without a claim before I change companies.

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I had to fight they for a claim for over 6.5 months on a claim. I had to threaten them with legal and media coverage before they paid or replace my items. I live in a high crime region and I have been broken into a number of times. They kept on asking for evidence and even sent a private investigator to investigate me. The thing is I was overseas during the time I was broken into. I am waiting for three years without a claim before I change companies.

Value for money
8/10
Policy coverage
6/10
Customer service
7/10
Claims handling
2/10
Trust
4/10
Less
Dennis, Victoria, reviewed 7 months ago
RACV Home & Contents Insurance
Overall 7/10
Great customer service, slightly pricey

Price is quite high and automatic roll-over of insurance failed causing a period of not being insured. Customer service always proactive, understandable and helpful. Haven't needed to make a claim so cannot comment without experience.

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Price is quite high and automatic roll-over of insurance failed causing a period of not being insured. Customer service always proactive, understandable and helpful. Haven't needed to make a claim so cannot comment without experience.

Value for money
5/10
Policy coverage
7/10
Customer service
8/10
Trust
5/10
Less
Elissa, Victoria, reviewed 8 months ago
RACV Home & Contents Insurance
Overall 10/10
Wonderful service for all your insurance

We have been with the company for over 20 years and have never had a problem with any claims that were made. They found us temporary accommodation when we couldn’t stay in our house because of a tree falling down on the power lines. They were extremely helpful. I would highly recommend them.

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We have been with the company for over 20 years and have never had a problem with any claims that were made. They found us temporary accommodation when we couldn’t stay in our house because of a tree falling down on the power lines. They were extremely helpful. I would highly recommend them.

Value for money
10/10
Policy coverage
10/10
Customer service
10/10
Claims handling
10/10
Trust
10/10
Less
Dianne, Victoria, reviewed 8 months ago

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