RACV Car Insurance

RACV car insurance quotes and what it covers

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Alexandra Koster

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Key takeaways

  • RACV is Victoria's largest member organisation potentially offering value compared to for-profit insurers.
  • RACV Complete Care for VIC offers robust cover including new car replacement up to three years.
  • Be aware: some policies like Comprehensive include car hire but exclude roadside assistance.

Pros

  • RACV repairs your car through its network of partner repairers, and if you'd rather use your own mechanic, you can ask RACV to approve them before any work starts.
  • RACV consistently ranks as the 'Most Trusted' and 'Most Loved' car insurer in Victoria (2025 Finder Satisfaction Awards), reflecting strong member loyalty and service.
  • Member Benefits: Policyholders gain access to the RACV member program, which includes discounts on fuel, entertainment, and travel.

Cons

  • As a premium provider focusing on features rather than price, RACV’s premiums are typically higher than budget-tier or online-only insurers.
  • Personal items in your car are covered up to $500 if they're damaged in a collision or stolen from a locked car, but phones, laptops and cash aren't covered.
  • Many of its top-rated service benefits and localised support are primarily tailored for and accessible to Victorian residents.

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?

Finder Score Accidental damage Roadside assistance Fire and theft New Vehicle Replacement Hire car after theft
RACV logo
6.9 Standard
RACV Third Party Property Damage (VIC customers only)
6.9 Standard
Standalone
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    RACV logo
    6.5 Standard
    RACV Third Party Fire and Theft (VIC customers only)
    6.5 Standard
    Standalone
  • Up to $60 per day - Up to 21 days
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    RACV logo
    Not scored yet
    RACV Veteran, Vintage and Classic Vehicle Insurance (VIC customers only)
    Not scored yet
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    RACV logo
    7.8 Great
    RACV Complete Care (VIC customers only)
    7.8 Great
    Standalone
  • If your car is written off in the first 3 years
  • Up to $100 per day for unlimited days
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    RACV logo
    8.6 Great
    RACV Comprehensive (VIC customers only)
    8.6 Great
    Standalone
  • If your car is written off in the first 2 years
  • Up to $60 per day - Up to 21 days
    • Summary: RACV Comprehensive offers member-based car insurance with flexible cover options and solid inclusions, depending on your level of cover.

    Who it might be good for: VIC drivers seeking customisable cover with strong benefits and potential member perks.
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    Finder 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.

    Read the full methodology

    Compare car insurance in under a minute

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    Why choose RACV car insurance?

    RACV car insurance is issued by Insurance Manufacturers of Australia Pty Ltd (IMA), a joint venture approximately 70% owned by IAG and 30% owned by RACV. RACV itself is a member-owned motoring club, but the insurer that carries the risk on your policy is a for-profit underwriter.

    • Multi-policy discount. Policyholders may be eligible for a discount of up to 10% on their premium if they hold more than one insurance policy with RACV, such as home or contents cover.
    • Years free discount. Drivers who remain claim-free can earn a discount of up to 25% on their premium after a set period of continuous insurance.
    • Choice of repairer. Comprehensive policyholders have the option to select their own licensed repairer for vehicle repairs, rather than being restricted to a partner network.
    • Two-year new car replacement. If your car is written off in the first 2 years of its original registration, RACV will replace it with a new vehicle of the same make and model.
    • Lifetime repair guarantee. Repairs authorised by RACV are guaranteed for as long as the policyholder remains the owner of the vehicle.
    • Member benefits. Policyholders automatically become RACV members, providing access to discounts on other RACV services, travel, and retail partners.

    How much does RACV car insurance cost?

    Car insurance costs will always vary depending on your age, vehicle, location and other factors. But here are some representative annual quotes from RACQ for a 30-year-old male living in Melbourne:

    • Comprehensive: $2,360.84
    • Third party fire and theft: $952.63
    • Third party property damage: $842.56

    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 make a claim?

    To lodge a car insurance claim with RACV online, follow these steps to ensure the process is handled efficiently:

    1. Gather details. Collect the date, time, and location of the incident, plus the names, contact info, and registration numbers of everyone involved.
    2. Document damage. Take photos of the vehicles and scene. If reporting theft or vandalism, obtain a police report number first.
    3. Log in. Access the myRACV portal. You will need your policy number to register or log in.
    4. Submit claim. Complete the online form with the incident details and upload your photos or police report.
    5. Next steps. Note your claim number to track the progress or book repairs through the online portal.

    FAQs

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    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

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    9 Responses

      The Finder Team's avatar
      TheJune 16, 2026

      Hi Geoff,

      Finder is a review and comparison site, so we don’t handle RACV claims or issue claim forms directly.

      To lodge a claim with RACV, you generally don’t need a paper form. You can submit your claim online 24/7 through your RACV account, or by calling the claims team directly on 13 19 03.

      If you’re ever looking to check your current cover against the wider market, our car insurance guide will help you compare options.

      Hope this helps!

      Michael Gunning's avatar
      MichaelNovember 7, 2025

      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.

        Ceyda Erem's headshotFinder
        CeydaNovember 11, 2025Finder

        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

      Soraya Ramirez's avatar
      SorayaApril 30, 2023

      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

        James Martin's headshotFinder
        JamesMay 1, 2023Finder

        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

      regg's avatar
      reggNovember 15, 2018

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

        John Basanes's avatarFinder
        JohnNovember 16, 2018Finder

        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

      Denis's avatar
      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.
      Thanks

        Joel Marcelo's avatar
        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: https://www.finder.com.au/travel-insurance/car-rental-excess-insurance.

        Cheers,
        Joel

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