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.
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Up to $200 |
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Up to $1,000 |
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Up to $2,500 |
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Yes |
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Yes |
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Yes |
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Yes |
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Up to $2,500 in total, optional extra to increase maximum |
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Up to $2,500 in total |
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No |
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Yes |
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No |
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Yes |
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Up to $2,000 |
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No |
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Yes |
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Up to $10,000 for funeral |
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No |
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Yes |
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Up to 12 months |
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Up to 12 months |
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No |
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No |
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No |
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No |
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Up to 14 days |
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Yes |
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60 |
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No |
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Yes |
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$100 |
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true |
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no |
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10% multi-policy discount, loyalty discount, no claim discount |
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Yes |
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Optional Extra, up to $10,000 per item |
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Up to 20% of sum insured |
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Up to $20,000,000 |
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none |
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none |
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Optional Extra |
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Yes |
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Yes |
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Yes |
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Yes |
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Yes |
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Yes |
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Optional Extra, up to 15 years old |
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No |
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Yes |
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Yes |
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Yes |
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Yes |
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Yes |
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Yes |
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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 and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.
I LIKE THE RACV BECAUSE OF THEIR PROFESSIONALISM.
Read full reviewI LIKE THE RACV BECAUSE OF THEIR PROFESSIONALISM.