Important information on terms, conditions and sub-limits
Fire
Yes
Theft or burglary
Yes
Flood
Yes
Storm
Yes
Building cover
n/a
Contents cover

Mozo editorial review RACV Contents Insurance

Last updated: 3 June 2021.

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What's hot
  • New for old replacement
  • Up to 12 months temporary accommodation
  • Credit card theft covered
What's not
  • No underinsurance cover
Mozo snapshot

You won’t need to worry if your contents is damaged or stolen as RACV Contents Insurance offers new for old replacement. There are plenty of discounts to keep your cover affordable, including a 10% multi-policy discount and up an increasing loyalty discount the longer you stay with RACV (up to 20%). Plus, if you’ve managed to keep a good claims history, you’ll also be able to score a no claims bonus between 5% and 25%.

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Key features

RACV Contents Insurance will cover your belongings against many worst case scenarios. This includes everything from fires to floods, theft or vandalism and numerous other listed events, plus you have the option of adding accidental damage and fusion to your policy. 

If you like your tech, rest assured your computer’s software will be covered along with electronic files, cameras and their accessories. If you’re more into home decor, you also 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. In all cases, be sure to check your policy documents for coverage limits.

You can also get cover for temporary accommodation for you and your pet if you need to move out of home if it becomes unliveable as a result of an insured event, or have your contents covered if you ever decide to move house. 

However, an insurance policy can never cover everything. RACV Contents Insurance will not be able to provide cover for uncut gemstones, the health and wellbeing of pets, any unattached building materials, landscaping like trees, lawns and shrubs, as well as with demolition costs or debris removal.

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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 many 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.



Details

Rates and fees information correct as at 21 June 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

*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 on the provider's website for further information before making any decisions about an insurance product.

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