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%.
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.
RACV Contents Insurance is a great option for Victorians looking for a policy to protect their belongings against many 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.
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
*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).
Competitive price. Have always been helpful when I call.
Read full reviewCompetitive price. Have always been helpful when I call.
I have been using RACV home and contents insurance for years and they have always been consistent in their positive customer service and reasonable premiums. You have the added benefit of an RACV membership which gives you access to a range of hospitality and accommodation deals and experiences. I’d suggest the only negative is that it’s Victorian focussed which could be a deterant for some people.
Read full reviewI have been using RACV home and contents insurance for years and they have always been consistent in their positive customer service and reasonable premiums. You have the added benefit of an RACV membership which gives you access to a range of hospitality and accommodation deals and experiences. I’d suggest the only negative is that it’s Victorian focussed which could be a deterant for some people.
RACV have been extremely helpful in putting together a quote when I moved in with my partner.
Read full reviewRACV have been extremely helpful in putting together a quote when I moved in with my partner.
Always easy to deal with.
Read full reviewAlways easy to deal with.
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.
