RACV Car Insurance

Comprehensive insurance provides extensive cover, offering you greater peace of mind on the road. RACV’s Comprehensive Car Insurance has the following inclusions:

• Covers loss or damage to your vehicle caused by an accident, flood, fire, malicious act, storm, theft or attempted theft
• Up to $500 coverage for personal items stolen with your vehicle or damaged in an incident, with some exclusions
• A hire car if your car is involved in a not-at-fault collision and is unsafe to drive or requires repairs, as well as after theft or attempted theft (up to $60 per day for up to 21 days)
• Emergency repairs to your vehicle following an incident so you can get back on the road (up to $800)
• A new replacement vehicle if your car is less than two years old and is written off, subject to claim approval
• Liability cover of up to $20 million for damage caused to someone else’s vehicle or property
• One tow for an incident where your vehicle cannot be driven or is unsafe to drive
• Covers any licensed driver, including learners, who has permission to drive your vehicle (possible additional excess for inexperienced drivers or those under 25)

This type of cover is the next step down from comprehensive car insurance, covering damage sustained due to theft and fire as well as damage to other vehicles and property, but not other damage to your vehicle. RACV’s Third Party Fire and Theft Car Insurance offers the following:

• Liability cover of up to $20 million for unintentional damage to someone else's vehicle or property
• Up to $5,000 in limited cover for damage to your vehicle if you’re not at fault in the collision, the other driver is uninsured, and you can provide their details
• Up to $10,000 in cover for loss or damage to your vehicle caused by fire, theft or attempted theft
• One tow from an incident to a safe place or repairer
• A hire car for up to 21 days in the event of a theft or attempted theft where your vehicle cannot be driven
• Any licensed driver, including learners, with permission to drive your vehicle will be covered, with the possibility of additional excess for inexperienced drivers or those under 25

The most basic – and affordable – type of optional car insurance, RACV’s Third Party Property Damage Car Insurance is designed to cover damage caused to other people’s property, rather than to your own vehicle. The policy has the following inclusions:

• Cover of up to $20 million for unintentional damage to someone else’s vehicle or property
• One tow from an incident to a safe place or repairer
• Up to $5,000 in limited cover for damage to your vehicle if you’re not at fault in the collision, the other driver is uninsured, and you can provide their details
• Any licensed driver, including learners, with permission to drive your vehicle will be covered, with the possibility of additional excess for inexperienced drivers or those under 25