There are lots of ways we can help you take control of your insurance policy and premium.

Learn more about what impacts premium prices, and what you can do to help reduce your premium, including a range of benefits and discounts available to RACV Members.

Your premium is based on the likelihood of a claim being made on your insurance policy in the future.

A few factors are considered when working out your premium. These are:

• your vehicle
• where your car is kept
• age of the vehicle owners and drivers
• the number of prior claims and incidents.

Contact us for a quote on 13 72 28 or get a quote online.

For more detailed information, refer to our Premium, Excesses and Discounts Guide (PED).

1) Stop and secure the area
Turn off the engine and turn on your hazard lights. If a traffic hazard or an injury requires ambulance assistance, call 000 for emergency services.

Keep in mind other drivers are still using the road, so where possible, move aside to a safe location.

2) Exchange details with drivers involved
This includes their:

• full name, residential address, contact number
• driver’s licence number
• registration number
• car model
• any insurance company details
• the name and phone number of any witnesses.

It’s always good to take plenty of photos and/or videos of the scene and damage. Also record the date and time of the incident.

In Victoria, for minor cases with no injuries but may require police assistance, call the Police Assistance Line on 131 444.

If you can’t drive your car home from the incident scene, call 13 19 03 and towing can be arranged.

3) Lodge a claim
As soon as you can, lodge a claim by logging in to your online account or calling 13 19 03. RACV Insurance will then assess your claim and get back to you.

Yes, learner drivers are automatically covered under your RACV Car Insurance policy.

When the learner driver is behind the wheel, and under your supervision, we treat you as the driver.

This means you’ll be covered if a learner driving your car is involved in an incident.

No matter who’s driving, RACV Motor Insurance covers all licensed drivers provided they meet the underwriting criteria.

You don’t need to list all additional drivers using your vehicle, but it’s worth considering based on how frequently others drive it and any additional excesses that may apply to unlisted drivers.

It’s important to be aware that your car insurance premium may change if another driver is listed on your policy. If an unlisted driver is found at fault for an incident while driving your vehicle, you may have to pay an additional excess on top of your basic excess.

For further details on excess charges based on your policy, read the Premium, Excesses and Discounts Guide (PED).

To update drivers listed on your policy:

1. Log in to your online account.
2. Click on your policy.
3. Scroll to ‘the drivers’ section.
4. Click ‘edit’ and update driver details.

_{Please note that learner drivers who are repeatedly using your vehicle don’t need to be listed as a driver on your policy. The age excess will not apply if they’re involved in a collision and supervised by a fully licensed driver aged 25 years or older.}