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RACV Car Insurance

RACV car insurance quotes and what it covers


RACV is Victoria’s largest member organisation, with over 2.1 million people joining up to take advantage of its services like roadside assistance and car insurance.

When someone joins RACV, insurance premiums and other costs are returned to members in the form of discounts, complimentary extras and more.

We don't currently have this brand on our panel. But don't fret! You can head to the RACV website or compare a bunch of other car insurance companies with finder.

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What cover options do I have?

You can find a range of cover options with RACV, including:

  • Third party property damage: Cover for third party property liability, if you damage other vehicles or property while driving.
  • Third party fire & theft: Third party liability cover, as well as insurance for fire and theft damage.
  • Comprehensive: Third party property liability, and fire and theft cover, as well as insurance damage caused to your vehicle in the event of an accident, flood, storm and malicious damage.
Third party property damageThird party fire & theftComprehensive
Third party property liability insurance
  • Yes
  • Yes
  • Yes
Cover for fire and theft
  • No
  • Yes
  • Yes
Cover for accident damage to your vehicle
  • No
  • No
  • Yes
Cover for storm, flood and malicious acts
  • No
  • No
  • Yes

What else does RACV car insurance offer?

With all cover types you can also get:

  • Aussie assist benefits: Telephone emergency and support services if you’re 100km or more from home.
  • Automatic cover for modifications: Modifications can be covered under RACV insurance.
  • Choose your own repairer: You can choose your own repairer rather than just go with RACV’s chosen one.
  • Years of membership benefit: You may be eligible for discounts after five years of RACV membership.
  • Flexi excess options: You can choose your excess to adjust your premiums.
  • Multi-policy discounts: You can get discounts by holding multiple RACV insurance policies.

You can also get benefits with different types of insurance cover.

Third partyThird party fire & theftComprehensive
Lock and key replacement
  • No
  • No
  • Yes
Hire car after theft
  • No
  • Yes
  • Yes
Hire car after an incident
  • No
  • No
  • Yes
Personal items cover
  • No
  • No
  • Yes
New vehicle replacement up to 2 years old
  • No
  • No
  • Yes
Choice of agreed value or market value
  • No
  • No
  • Yes
Windscreen and window glass cover
  • No
  • No
  • Yes

Why go with RACV?

RACV is a membership scheme rather than a typical for-profit insurer, so you might be able to find more value for money with RACV than with some other providers.

There are also no optional extras to worry about, and instead you can simply get the benefits of a wide range of cover, depending on whether you get third party only, third party fire & theft, or comprehensive car insurance.

What exclusions are there?

A range of exclusions apply. Some of the situations RACV car insurance does not cover are:

  • Tyre damage caused by road cuts, punctures, bursts or braking
  • Depreciation, rust, wear and tear and loss of value
  • A failure to properly take care of your vehicle, such as moving it to a safe place after an accident where possible, or making sure it’s locked to prevent theft
  • Driving without a licence, or while under the influence of drugs or alcohol

How do I pay my premiums?

You can pay premiums monthly or annually by direct debit, either from a nominated account or from a credit card.

How do I make a claim?

Contact RACV to make a claim and RACV will:

  • Ask a series of questions, or ask for detailed written information
  • Give immediate assistance with the claim
  • Tell you if you need to pay any excess and how to pay it

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4 Responses

  1. Default Gravatar
    reggNovember 15, 2018

    I seek insurance for 2010 honda accord 4 cylinder for purposes of ridesharing – uber

    • Avatarfinder Customer Care
      JohnNovember 16, 2018Staff

      Hi Regg,

      Thank you for reaching out to finder.

      You may visit the RACV website if this is where you want to take out an insurance policy for your vehicle but if you wish to make a comparison you may click on this link to be routed to a panel of providers that can assist you. Kindly review and compare your options on the table displaying the available providers. Once you have chosen a particular provider, you may then click on the “Get Quote” button and you will be redirected to the provider’s website where you can proceed with the application or get in touch with their representatives for further inquiries you may have. Hope this helps!


  2. Default Gravatar
    DenisFebruary 15, 2018

    I am renting a car from Enterprise in Brisbane. I am a Canadian citizen travelling to Brisbane and Sydney for 44 days. The car rental company have covered me for liability 3rd party damage to 3rd party vehicles and property with an excess amount of $2750 Australian. I have CDW covered under my elite M/C credit card plus fire and theft and all damage to the rental car only. Only need coverage for $2750 for the liability excess. Will your excess insurance cover me for my excess used amount on 3rd party only.. I am 75 years old and my wife is 66. Could you please send me a quote for this excess insurance.

    • Default Gravatar
      JoelMarch 1, 2018

      Hi Denis,

      Thanks for leaving a question on finder.

      I’m afraid we do not currently have access to RACV car insurance brand. But its top car rental excess insurance package can cover up to $8,000, but it’s still best if you contact their consultant on 13 13 29 who can walk you through the excess options.

      If you also want a car rental excess insurance which will lower the cost of your excess if you get in an accident, then you can compare policies here:


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