RACV Car Insurance

RACV is a leading car insurer in Victoria, providing cover to thousands of Victoria residents. Read our review to learn more about its products!

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, updated on February 16th, 2024       

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The Royal Automobile Club of Victoria (RACV) is a Victoria-based member organisation, offering a range of products and services to Victoria residents, including travel, home and car insurance. Founded in 1903, it is now the largest member organisation in the state and one of the biggest in Australia, with more than two million members.

We’ve broken down RACV’s car insurance products in our review to help you understand its offerings. Find out what is and isn’t covered and the optional extras you can add today!

Disclaimer: all coverage offered by RACV is subject to the terms and conditions of your policy. Limits and exclusions apply. Please refer to your Product Disclosure Statement (PDS) or contact RACV if you’re unsure about what is and isn’t covered.

Please note that Savvy does not represent RACV for its car insurance products. All listed policies, inclusions and limits are correct as of June 2023.

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What car insurance policies are available through RACV?

RACV offers the following types of car insurance:

Complete Care® Car Insurance

RACV’s Complete Care insurance package is its highest level of cover, offering all the inclusions of its Comprehensive Car Insurance plan, as well as extra inclusions and benefits. The additional cover includes:

  • Up to 10 nights’ emergency accommodation (maximum $150 per night) for insured incidents over 100km from home
  • Taxi fares (up to $500 total) to return home from an accident scene or to repairers/hire car providers
  • Personal item protection with up to $1,000 coverage for stolen/damaged items in an insured event
  • Hire car coverage (up to $100 per day) in the case of car theft or accident until claim settlement or car repair.
  • Agreed value car insurance, ensuring clarity on the coverage amount
  • Vehicle pickup and return costs to a repairer for insured accidents, in addition to the agreed value coverage
  • An explanation of repairs made by an assessor after authorised repairs on your car
  • Windscreen cover with no excess for replacement or repair of damaged windscreen, windows and sunroofs in insured events
  • Choose any licensed repairer, with guaranteed workmanship for as long as you own the vehicle
  • Pet-friendly accommodation (up to $50 per night) for accidents more than 100km from home, or pet-safe transport if closer to home
Comprehensive 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)
Third Party Fire and Theft Car Insurance

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
Third Party Property Damage Car Insurance

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

Are there any optional extras available through RACV?

Yes – if you have taken out Comprehensive Car Insurance with RACV, there are several optional extras available for an additional premium:

  • Car hire after any incident other than not-at-fault collisions and car theft
  • Choice of car repairer
  • No excess for windscreen, window glass and sunroof repairs

There are no optional extras available for RACV’s third-party car insurance policies.

If you are after more complete coverage, RACV’s Complete Care Car Insurance includes a range of extras that are provided as part of the plan.

What are some of the pros and cons of buying car insurance through RACV?

  • Loyalty discount: RACV members receive increasing savings on selected products with the club’s Years of Membership discount.  
  • 24/7 claims support: RACV’s dedicated team of Australian-based consultants is available around the clock to assist with any claim.
  • Cover for additional drivers: any driver who meets RACV’s criteria can be covered when driving your car, including learners.
  • Only available in Victoria: as a state-specific organisation, only individuals living in Victoria can take out car insurance with RACV.
  • Towing limitations: RACV will only cover the cost of a single tow following an incident; if your vehicle requires multiple tows, RACV will determine which one it will cover.

Common questions about RACV car insurance

Is RACV car insurance cover available outside Victoria?

No – RACV provides car insurance only for Victoria residents, so if you live elsewhere in Australia you will be unable to take out a policy. However, if you are a Victoria resident travelling to other parts of Australia, you will be covered by your RACV car insurance for interstate travel.

Can I purchase CTP insurance through RACV?

No – in Victoria, the Transport Accident Commission (TAC) is the sole provider of Compulsory Third Party (CTP) insurance.

Does RACV offer roadside assistance?

Yes – RACV offers roadside assistance as a separate service you can subscribe to on top of your car insurance policy. RACV offers three levels of roadside assistance to ensure you get the cover that suits your needs.

How do I become an RACV Member?

You will automatically become an RACV Member when you buy any renewable RACV product. RACV Members can access a range of benefits and savings – including on RACV insurance products. The longer you are a member, the greater the discounts you will receive.

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