RACV provides several levels of cover ranging from Third Party Property Damage to the comprehensive 'Complete Care' policy, which includes higher limits for hire cars and automatic choice of repairer.
Discounts are available for customers who bundle two or more eligible insurance policies or have been RACV members for five years or more, with loyalty benefits increasing based on the length of membership.
How we calculate Comprehensive Car Insurance Finder Scores
These products offer the best value and outcomes considering various product features and price.
7+
Great
Competitive products within their group.
5+
Standard
But these products still offer reasonable value and have the basics sorted.
0+
Basic
Offering basic cover with limited features or higher pricing.
Pros
Unlike many competitors that charge extra for this or choose the mechanic for you, RACV allows you to select your own repairer as a standard feature of their comprehensive policy.
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.
The standard cover for personal items inside the car is capped at $500, which is lower than the $1,000+ limits offered by some other high-feature competitors.
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?
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How we picked these
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.
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.
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 cove.
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?
To help give you an idea about RACV car insurance costs, we gathered annual quotes across their various policy types. Just remember, prices are going to change based on things like your vehicle make, model and year, where the car is parked, driver's age, claim history and your address, so it's always worth comparing policies and getting a few quotes.
We currently don't have that product, but here are others to consider:
How we picked these
To determine these insurance costs, we sourced comprehensive, third party fire and theft & third party property damage car insurance quotes for a 30-year-old male driver living in postcode 3006 (VIC). The profile used for these quotes assumes a 2020 Toyota Corolla Ascent Sport Direct Shift CVT with an annual mileage of 15,000km. We selected an excess as close to $850 as possible across all providers to ensure a fair comparison. These quotes were obtained in March 2026.
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:
Gather details. Collect the date, time, and location of the incident, plus the names, contact info, and registration numbers of everyone involved.
Document damage. Take photos of the vehicles and scene. If reporting theft or vandalism, obtain a police report number first.
Log in. Access the myRACV portal. You will need your policy number to register or log in.
Submit claim. Complete the online form with the incident details and upload your photos or police report.
Next steps. Note your claim number to track the progress or book repairs through the online portal.
FAQs
Complete Care includes a hire car for all authorised repairs. Standard Comprehensive only provides a hire car following a theft, unless the "Accident Hire Car" option is added to the policy.
Complete Care provides one excess-free glass replacement per year. For standard Comprehensive policies, this is an optional add-on; otherwise, a basic excess applies to glass claims.
A basic excess applies to most claims. Additional excesses may apply for drivers under 25, inexperienced drivers, or specific policy conditions listed on your certificate.
RACV typically uses its own partner network. If you want to use a specific repairer, you must obtain RACV’s authorisation before any work begins.
Yes, for collision or theft from a locked vehicle. Limits are $1,000 for Complete Care and $1,000 for Comprehensive. Items like phones, laptops, and cash are excluded.
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.
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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.
Finder
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
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
Finder
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
reggNovember 15, 2018
I seek insurance for 2010 honda accord 4 cylinder for purposes of ridesharing – uber
Finder
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
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
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.
Australian Unity car insurance, underwritten by Allianz, offers two levels of cover, the freedom to choose your own repairer and an easy 24-hour claims service.
With a higher-than-average price but no particularly impressive benefits, Allianz was outperformed by many other car insurers in the 2024 Finder Insurance Awards.
With strong cover and reasonably-priced policies, AAMI performed well in the 2024 Finder Awards. However, some popular benefits are missing and cheaper options are available.
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Finder makes money from featured partners, but editorial opinions are our own.
Finder is one of Australia's leading comparison websites. We are committed to our readers and stand by our editorial principles.
We try to take an open and transparent approach and provide a broad-based comparison service. However, you should be aware that while we are an independently owned service, our comparison service does not include all providers or all products available in the market.
Some product issuers may provide products or offer services through multiple brands, associated companies or different labeling arrangements. This can make it difficult for consumers to compare alternatives or identify the companies behind the products. However, we aim to provide information to enable consumers to understand these issues.
We make money by featuring products on our site. Compensation received from the providers featured on our site can influence which products we write about as well as where and how products appear on our page, but the order or placement of these products does not influence our assessment or opinions of them, nor is it an endorsement or recommendation for them.
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Where our site links to particular products or displays 'Go to site' buttons, we may receive a commission, referral fee or payment when you click on those buttons or apply for a product.
When products are grouped in a table or list, the order in which they are initially sorted may be influenced by a range of factors including price, fees and discounts; commercial partnerships; product features; and brand popularity. We provide tools so you can sort and filter these lists to highlight features that matter to you.
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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