If you need an insurance policy to keep your home and valuables safe, then check out what RACV's got to offer. With this policy in your pocket, your home and belongings are covered in the event of fire, flood, storms, burglary and heaps more. Plus, there are a bunch of discounts on offer if you buy multiple policies or haven’t made any claims.
With a Home & Contents Insurance policy from RACV, you’ll get your choice of excess starting from $100 to $5,000, a 24/7 claims service and new-for-old cover on your belongings, which means if you make a successful claim for one of your items, you’ll get a brand new one of comparable value.
There are also plenty of discounts on offer to help you keep premium costs down, including RACV's No Claim Bonus (up to 25%), Multi-Policy discount (10%) and the Years of Membership Benefit (up to 20%), which is tied to how long you’ve been insured with RACV.
A tonne of events are covered by your RACV insurance, including natural disasters like fire, flood and storms (including lightning and storm surges) as well as things like burglary, vandalism or accidental glass breakage. If you need cover for accidental damage – in case you knock your new Macbook off the kitchen table – you can add that as an optional extra.
Along with the structure of your home, this policy protects what's inside, including personal belongings and a number of household fixtures, such as: furniture, rugs and carpets, large appliances like fridges and washing machines, clothes, shoes and linens, power tools and gardening equipment. Make sure you check your product disclosure statement (PDS) for any limits on specific items.
When it comes to your property, you'll be covered for rebuilding costs and removal of debris after an insured event.
You can also add extra cover for particularly valuable items or things you routinely carry outside your home with you (for example, an expensive engagement ring.) It’s up to you to make sure you have enough coverage for your items, since there’s no underinsurance protection with this product.
On the flip side, there are some exclusions you should take note of. For example, your trees, plants and shrubs aren’t covered. Events you aren’t covered for include normal ocean movements (like king tides or erosion) or damage caused by tree roots.
This isn’t an exhaustive list of inclusions and exclusions, so you should be sure to read your PDS carefully so you know what you are and aren’t covered for.
RACV Home & Contents Insurance offers pretty comprehensive coverage, while being wallet-friendly – so we think it’s a good choice for just about any Victorian.
One thing to be aware of is that certain items like artwork, jewellery or collectables aren’t covered by your contents insurance if they’re being kept in storage.
Something else to remember is that if you leave your home unoccupied for more than 60 days, your cover will stop. This is pretty standard for contents insurance policies, but still something to keep in mind if you’re planning extended time away.
60
No
Yes
$100
true
n/a
10% multi-policy discount, 8% combined 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
n/a
n/a
Optional Extra
Yes
Yes
Yes
Yes
Yes
Yes
Optional Extra, up to 15 years old
No
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Up to $1,000
Yes
Yes
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
Yes
Yes
No
Up to 14 days, contents only
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).
They are easy to insure. I make monthly repayments and if I miss a repayment they give me enough time to ensure I am able to pay. I feel comfortable contacting them as they are easy to get through via phone. They have always been able to make changes to my policy or debit details promptly so as not to take up too much of my time. I can check my policy online with my membership details and I also use the discount vouchers often.
Read full reviewThey are easy to insure. I make monthly repayments and if I miss a repayment they give me enough time to ensure I am able to pay. I feel comfortable contacting them as they are easy to get through via phone. They have always been able to make changes to my policy or debit details promptly so as not to take up too much of my time. I can check my policy online with my membership details and I also use the discount vouchers often.
Bit pricey but quite good value for money. Variable excess good. Cover for portable devices good.
Read full reviewBit pricey but quite good value for money. Variable excess good. Cover for portable devices good.
Be aware of their attempt to use all measures possible to make your claim not insurable. Had a genuine claim due to a burst Flexi hose in our bathroom and the builder that RACV use was incompetent in their inspection. RACV failed to even liaise with us about the claim and have taken the word of the assessor over us.
Read full reviewBe aware of their attempt to use all measures possible to make your claim not insurable. Had a genuine claim due to a burst Flexi hose in our bathroom and the builder that RACV use was incompetent in their inspection. RACV failed to even liaise with us about the claim and have taken the word of the assessor over us.
While it is pricy I have trusted the home and contents insurance with RACV for 26 years and found the claims very smooth. I recently had a claim for damage to my building by severe storm and the process was very efficient and the communication was excellent. I was also very happy with the building contractors used. The only downside is the premium is not in the lower side but I have peace of mind so this matters more to me.
Read full reviewWhile it is pricy I have trusted the home and contents insurance with RACV for 26 years and found the claims very smooth. I recently had a claim for damage to my building by severe storm and the process was very efficient and the communication was excellent. I was also very happy with the building contractors used. The only downside is the premium is not in the lower side but I have peace of mind so this matters more to me.
RACV has been quick to help and provide recovery and insurance when required. Always been reliable.
Read full reviewRACV has been quick to help and provide recovery and insurance when required. Always been reliable.
