RACV Contents Insurance

RACV Contents Insurance

Mozo Review   RACV Contents Insurance Review

Last updated: 5 September 2018.

What's hot:
  • New for old replacement

  • Up to 12 months temporary accommodation

What's not:
  • No underinsurance cover

  • Monthly premium payments cost extra

Mozo snapshot:

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.

Key features:

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.

Who it's good for:

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.


Any catches?

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.



Details

Rates and fees information correct as at 20 October 2019. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Contents
  • Up to $200

  • Up to $1,000

  • Up to $2,500

  • Up to $2,500 in total, optional extra to increase maximum

  • Up to $2,500 in total

  • Up to $2,000

Other cover
  • Up to $10,000 for funeral

  • Up to 12 months

  • Up to 12 months

  • Up to 14 days

  • Up to 14 days for contents

Policy and service features
  • 60

  • $0

  • 10% multi-policy discount, loyalty discount, no claim discount

  • Up to 60 days

  • Up to 20% of sum insured

  • Up to $20,000,000

Events
  • Optional extra

  • Optional Extra, up to 15 years old

Customer Reviews

How are RACV home insurance rated by the Mozo community?

Overall customer rating
8.1/10
Value for money
7.5/10
Policy coverage
7.8/10
Customer service
8.0/10
Claims handling
7.6/10
Trust
8.1/10

Latest reviews of RACV Contents Insurance

  • Overall
    5/10
    Poor customer service in claims resolution

    I used to be with RACV for everything, but now only used their auto services after a very bad...

    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.

    Value for money
    -1/10
    Policy coverage
    -
    Customer service
    -
    Claims handling
    -
    Trust
    -

    Romana | Victoria

    reviewed over 2 years ago

  • Overall
    8/10
    Great service

    Personal and fast to act. Easy to talk to.

    Personal and fast to act. Easy to talk to.

    Value for money
    7/10
    Policy coverage
    9/10
    Customer service
    9/10
    Claims handling
    9/10
    Trust
    9/10

    Belinda | Victoria

    reviewed about 4 years ago

  • Overall
    10/10
    Excellent value for money

    No claims as yet.

    No claims as yet.

    Value for money
    10/10
    Policy coverage
    10/10
    Customer service
    10/10
    Claims handling
    10/10
    Trust
    10/10

    Colin | Victoria

    reviewed about 4 years ago

  • Overall
    7/10
    Reasonable premiums, long delays when phoning

    They are OK but nothing special.

    They are OK but nothing special.

    Value for money
    4/10
    Policy coverage
    6/10
    Customer service
    9/10
    Claims handling
    8/10
    Trust
    7/10

    Graham | Victoria

    reviewed over 4 years ago

  • Overall
    10/10
    Fast, friendly service

    I was looking for a budget renter's contents insurance without having to get budget cover. I...

    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 :)

    Value for money
    10/10
    Policy coverage
    10/10
    Customer service
    10/10
    Claims handling
    10/10
    Trust
    10/10

    Kristy | Victoria

    reviewed about 5 years ago

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About RACV

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