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.
What RACV car insurance options do I have?
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How we picked theseFinder Score for car insurance
We analyse over 30 car insurance products across insurance providers, and rate each one for price and features. We collect up to 36 quotes per product, for male and female drivers in New South Wales, Victoria, Queensland, South Australia, Tasmania and Western Australia. Quotes are collected for 20 year olds, 30 year olds and 60 year olds, assuming an excess of $850 for a 2020 Toyota Corolla 4 door sedan model, with an average 15,000 kms driven each year. While we are not allowed to display actual quotes, our Finder Score aims to serve as an indicative guide to how cost and feature competitive a product might be for you.
Our feature score assesses each product for more than 15 features across loss and damage coverage, repairs and assistance coverage, personal items coverage and policy coverage. Features we assess include but are not limited to legal liability, essential repairs, new car replacement, car hire events, roadside assistance, agreed or market value, windscreen damage and natural disaster coverage.
Depending on your answers to our car insurance quiz, we upweight the relevant price score or feature score to generate a dynamic Finder Score. Finder Score, Price Score and Feature Score are only to be used as indicative guides and are not product recommendations.
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
Compare other products from RACV
- RACV personal loans
- RACV travel insurance
- RACV home insurance
- RACV motorcycle insurance
- RACV caravan insurance
- RACV landlord insurance
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I’m looking into buying the Cheery pro 4 Urban next year and looking into getting fully comprehensive car insurance. I am looking into cost comparisons etc can you give me an estimate.
Hi Michael, you can get a tailored quote from RACV for the vehicle you’re looking to purchase by visiting the RACV website. You can also give them a call at 13 72 28. Good luck!
Ceyda
Hi, I would like to know if you have a Business car insurance?
I work like Uber eats driver and my car is in a garage
Thanks in advance
Hi Soraya,
At the time of writing, RACV doesn’t offer business car insurance to cover Uber Eats drivers. For more information about the cover you require, it’s better to visit our guide to Business Car Insurance.
You might find comprehensive policies that cover some business activities. This can include part-time food delivery. Be sure to check directly with each insurer if you have any doubts about what you’d be covered for.
I hope this helps.
Best,
James
I seek insurance for 2010 honda accord 4 cylinder for purposes of ridesharing – uber
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 refer to our list of car insurance. 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!
Cheers,
Reggie
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.
Thanks
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: https://www.finder.com.au/travel-insurance/car-rental-excess-insurance.
Cheers,
Joel