RACV Car Insurance

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.

What RACV car insurance 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.
• Complete Care:The highest level of RACV cover available, this one gives you all of the above, plus things like emergency accommodation if you're more than 100km from home, pet assistance, no excess for windscreen, vehicle pick up and return, sunroof and window glass repairs and more.

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.

Congratulations, RACV!

RACV won the 'Car Insurance - VIC' award in the 2023 Customer Satisfaction Awards.

Full list of 2023 winners

Why go with RACV car insurance?

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 on RACV car insurance policies?

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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Written by

Alexandra Koster

Publisher

Alexandra Koster was Finder's publisher for car, home and pet insurance. She has a Tier 1 certification in General Insurance, as well as a Bachelor of Arts in Film and Cultural Studies from the University of Sydney. Her hobbies include reading Product Disclosure Statements and deciphering complicated insurance lingo to help people save on their insurance so that they can spend their money on better things – like dogs. See full bio