RACV Contents Insurance is a policy that has got you covered, because you won’t need to worry if your contents is damaged or stolen as RACV Contents Insurance offers new for old replacement. If you sign up online, you’ll get a 10% multi-policy discount while being able to score a loyalty discount the longer you stay with RACV. Plus, if you’ve managed to keep a good claims history, you’ll also be able to score a no claims bonus.
RACV Contents Insurance is a policy that will give you peace of mind for your belongings against nearly all worst case scenarios. Your contents will be covered for everything from fires to floods, theft or vandalism and 8 other listed events with the option of adding accidental damage and fusion to your policy. But one event you won’t be covered for are power surges.
No matter what you store in your home, RACV Contents Insurance will provide cover for almost all of your household belongings. If you like your tech, rest assured, your computer’s software will be covered along with electronic files, cameras and their accessories. But if you’re more into home decor, you won’t need to worry as you’ll be covered for any antiques, regular or handwoven carpets and other valuables, like jewellery or trade tools.
You can also get cover for temporary accommodation for you and your pet if you need to temporarily move out of home or have your contents covered if you ever decide to move house. While a policy cannot cover everything, you should know that RACV Contents Insurance will not be able to provide cover for any uncut gems, personal medical equipment or important documents. Veterinary expenses along with demolition costs and debris removal are also not covered.
RACV Contents Insurance is a great option for Victorians looking for a policy to protect their belongings against nearly all of life’s unpredictable events.
RACV Contents Insurance does not offer underinsurance protection on your contents. This means that if you have undervalued your belongings, you will only be paid the sum insured amount on the item. To avoid this, it’s recommended to always insure your item to its total replacement value.
Also, you should be aware that while you can pay your premium on a monthly basis, you will have to pay extra for this.
Up to $200
Up to $1,000
Up to $2,500
Yes
Yes
Yes
Yes
Up to $2,500 in total, optional extra to increase maximum
Up to $2,500 in total
No
Yes
No
Yes
Up to $2,000
No
Yes
Up to $10,000 for funeral
No
Yes
Up to 12 months
Up to 12 months
No
No
No
No
Up to 14 days
Yes
60
No
Yes
$100
true
no
10% multi-policy discount, loyalty discount, no claim discount
Yes
Optional Extra, up to $10,000 per item
Up to 20% of sum insured
Up to $20,000,000
none
none
Optional Extra
Yes
Yes
Yes
Yes
Yes
Yes
Optional Extra, up to 15 years old
No
Yes
Yes
Yes
Yes
Yes
Yes
Yes
I used to be with RACV for everything, but now only used their auto services after a very bad experience. After many years of good service and loyal membership, I was declined a valid claim after losing assorted items in a bag outside my home. Despite several attempts to state my case and police reports, they refused my claim for prescription glasses, ipad and iPhone. I changed insurance companies.
Read full reviewI used to be with RACV for everything, but now only used their auto services after a very bad experience. After many years of good service and loyal membership, I was declined a valid claim after losing assorted items in a bag outside my home. Despite several attempts to state my case and police reports, they refused my claim for prescription glasses, ipad and iPhone. I changed insurance companies.
Personal and fast to act. Easy to talk to.
Read full reviewPersonal and fast to act. Easy to talk to.
No claims as yet.
Read full reviewNo claims as yet.
They are OK but nothing special.
Read full reviewThey are OK but nothing special.
I was looking for a budget renter's contents insurance without having to get budget cover. I joined with RACV close to 8 years ago now and have been very happy with their policy. Over this time I have made one claim due to storm damage. When I made the claim, the staff were extremely friendly and helpful and took care of everything for me. The claim was processed immediately and money was directly credited into my account. On the downside, the price do go up each year but it is not by much and their rate still remains very low in comparison to other companies. Would highly recommend :)
Read full reviewI was looking for a budget renter's contents insurance without having to get budget cover. I joined with RACV close to 8 years ago now and have been very happy with their policy. Over this time I have made one claim due to storm damage. When I made the claim, the staff were extremely friendly and helpful and took care of everything for me. The claim was processed immediately and money was directly credited into my account. On the downside, the price do go up each year but it is not by much and their rate still remains very low in comparison to other companies. Would highly recommend :)
