Fire
Yes
Theft or burglary
Yes
Flood
Yes
Storm
Yes
Building cover
n/a
Contents cover

Mozo editorial review RACV Contents Insurance

Last updated: 5 September 2018.

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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.

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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.

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Who is it 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.


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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 5 March 2021. 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

  • 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

Other cover
  • 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

Policy and service features
  • 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

Events
  • Optional Extra

  • Yes

  • Yes

  • Yes

  • Yes

  • Yes

  • Yes

  • Optional Extra, up to 15 years old

  • No

  • Yes

  • Yes

  • Yes

  • Yes

  • Yes

  • Yes

  • Yes

Any information provided on this page should be considered a summary and general advice only. All information should be verified before purchase via the relevant Product Disclosure Statement (PDS).

Customer Reviews

How are RACV home insurance rated by the Mozo community?

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

Latest reviews of RACV Contents Insurance

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About RACV

See RACV home insurance