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RACV Car Insurance

Types of insurance

The more insurance policies you have with us, the more you could save. When you take out two or more RACV insurance policies you’ll receive 10% off each.

*On existing policies, discount takes effect at next renewal. Excludes Travel, Business. Farm and Single Item Insurance products. 

What you are covered for

  • Access to RACV Partner Repairers

    Choose from over 90 RACV Partner Repairers across Victoria who will deliver the best possible service and highest quality of repair - with all authorised repairs guaranteed for as long as you own the car

  • Liability cover up to $20 million

    In relation to any one incident, RACV will pay up to $20 million. In addition, we will pay legal costs when our lawyers act in connection with the claim

  • Towing from incident

    Under our Complete Care and Comprehensive policies you are covered for towing from an incident 

  • Vehicle modifications

    Any vehicle modifications, options and accessories are automatically covered

Car Insurance comparison

Summary of Cover

Summary of Cover

Complete Care®

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Third Party Fire and Theft

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Third Party Property Damage

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Accidental damage to your vehicle

Fire and theft or attempted theft

Flood, storm or a malicious act


Liability cover up to $20 million

Hire car after a not 'at fault' collision

Hire car after a theft or attempted theft

Hire car after any other incident


No excess for windscreen, sunroof and window glass


Any Repairer option


New replacement vehicle

Theft of personal items

Emergency repairs

Emergency accomodation

Trailer or caravan damage

Baby capsules and child seats

Aussie Assist

Taxi fares*

Post repair vehicle inspection

Vehicle pick up and return

No extra for paying by the month

Pet assistance

#For Comprehensive up to $80 to and from an RACV Partner Repairer only

This table applies to policies taken out from 15 October 2017 or with a renewal date from 27 November 2017.  Please refer to relevant PDS for terms, conditions, limitations and exclusions.

*RACV Motor Insurance is issued by Insurance Manufacturers of Australia Pty Limited ABN 93 004 208 084 AFS Licence No. 227678. The information on this website is general advice only so before making any decisions, please consider your own circumstances and the Product Disclosure Statement.