comprehensive travel insurance racv

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RACV Travel Insurance

Racv has multiple plans tailored to domestic and international travel, but if you’ve got something out of the ordinary on the itinerary, you might not be covered..

In this guide

Summary of RACV's International Comprehensive policy

How does racv travel insurance cover covid-19, what policies does racv offer, here's a breakdown of racv travel insurance features, standard features, optional add-on, how to make an racv travel insurance claim, here's the bottom line about racv travel insurance, frequently asked questions, compare your travel insurance quotes.

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• By becoming an RACV member, you can access generous discounts on its insurance policies. We struggled to find another insurance provider offering similar benefits.
• Enjoy free cover for dependent children under the age of 25 on any policy. This is better than the industry standard that limits dependants to those under the age of 18 or sometimes 21.
• RACV doesn't have much choice of optional cover and its detailed list of exclusions could be a turn-off for some. If you're looking for cover for some adventure activities, like sky diving , you'll have to look elsewhere.

Compare other options

Table updated January 2023

RACV covers COVID-19 in a variety of scenarios that include medical expenses and cancellation. Here's what you can expect:

• Cancellation fees and lost deposits for travel and accommodation arrangements if your trip is cancelled or cut short due to COVID-19
• Medical, hospital and emergency expenses outside of Australia if you are diagnosed with COVID-19
• Emergency or additional expenses including travel and accommodation costs if you are diagnosed with COVID-19
• Funeral expenses if you, your children or your grandchildren die while overseas
• Boarding kennel or cattery fees if you're delayed beyond your return date
• Travel delay expenses if your scheduled transport is delayed due to COVID-19

However, some exclusions apply, so it's important to review RACV's product disclosure statement (PDS) to ensure you'll have enough cover when you need it the most.

RACV's COVID-19 benefits are only available under its Comprehensive and Domestic policies. Plus, there is also a combined maximum benefit of up to $3,500 for cancellation, additional and travel delay expenses. This might not be enough cover if you're planning a big trip.

If RACV's COVID-19 cover isn't quite hitting the mark, we've compared all the providers that offer cover for COVID-19 .

RACV has a wide variety of travel insurance to choose from. If you're heading overseas, you've got Comprehensive, Essentials, Basics and Annual Multi-trip policies. For travel around Australia, there are Domestic, Domestic Cancellation and Rental Car Excess policies.

International Comprehensive

International Essentials

International Basic

Annual Multi-trip

Domestic Cancellation

Rental Car Excess

This insurance is issued by Tokio Marine & Nichido Fire Insurance Co., Ltd (Tokio Marine & Nichido). It comes with a 21-day cooling-off period and a choice of excess .

The cooling-off period gives you 21 days from the date of issue of your policy to make sure this is the right policy for you. You'll receive a full refund provided you have not started your trip and that you do not want to make a claim or exercise any other right under the policy.

These are some of the main insured events that RACV will cover you for if something goes wrong on your trip. Some of these inclusions are only available for certain levels of cover (e.g. Comprehensive versus the Basics policy ).

• Accidental death and disability
• Cancellation fees and lost deposit
• Financial default
• Funeral expenses overseas
• Loss of income
• Overseas medical, dental and hospital
• Rental car excess
• Special events
• Travel delay

Even RACV's comprehensive cover doesn't include everything. If you're finding your chosen policy a bit lacking, there are some optional benefits that you can add on for an additional premium.

• Cruise cover is all about loss or damage when you're exploring the high seas . It covers medical expenses and medical evacuation while on board the ship.
• Ski and winter sports cover is essential if you plan on hitting the slopes . This add-on covers medical expenses, equipment hire and even prepaid ski passes, ski hire, tuition fees or lift passes if you fall ill.

RACV has a ton of standard inclusions, especially if you opt for its Comprehensive cover , but, as with any insurer, there are certain conditions in which your policy won't pay out. They include the following:

• The Department of Foreign Affairs and Trade issuing a "Do Not Travel" advisory to your country or region of intended travel
• Errors, omissions or failure to obtain the relevant visa , passport or travel documents
• You drive a vehicle ( including a motorcycle ) without a current Australian driver's licence or a valid licence for the country you're in (even if that country doesn't require you to hold one)
• Travel booked or undertaken against the advice of your doctor
• Travel booked or undertaken to seek medical treatment or review
• Being under the influence or addicted to intoxicating liquor or drugs except a drug prescribed to you
• Elective surgery including cosmetic treatment, body piercing or tattooing
• Some adventure activities, including engaging in open water sailing , going rock climbing using ropes or climbing equipment and sky diving
• Diving underwater using an artificial breathing apparatus
• Unexpected pregnancy complications after the 26th week or childbirth after the 26th week that is accelerated by accidental injury

Make sure you review RACV's PDS for a detailed breakdown of what you can expect to be covered for, found under its list of general exclusions .

You can contact the RACV claims team at 1300 207 387 to start the claim process. Alternatively, the quickest way to make a claim is by using the online claim lodgement following the steps below.

• Head to https://racv-onlineclaim.tmnfatravelinsurance.com.au/Account/Register
• Register with the email address you used to purchase your policy
• Complete your claim details by answering all sections
• Upload any supporting documents relevant to your claim
• Submit and your claim should be assessed within 10 working days

RACV offers one of the most varied suites of travel insurance offerings that we've seen. With 7 different levels of cover, you're likely to find something to fit both your budget and travel plans. Key benefits include free cover for dependent children under 25, no additional premium for motorcycle or scooter riding and new for old replacement of luggage.

The downside of RACV's cover is its lack of optional add-ons and long list of exclusions. Where some of the best travel insurance policies shine is the ability to tailor your insurance to make sure you're fully covered for every scenario. With RACV, if you're planning any high-risk activities or need to insure any of your belongings above the benefit limits , you're out of luck.

RACV not quite hitting the mark? You can compare it to other travel insurance companies here to find a better fit.

What company is the underwriter for RACV insurance?

RACV insurance is issued by Tokio Marine & Nichido Fire Insurance Co., Ltd (Tokio Marine & Nichido) ABN 80 000 438 291, AFSL 246548.

Is RACV Australia owned?

Yes, RACV is a locally-owned, unlisted public company that has been operating since 1903.

Can I make changes to my policies?

Yes. You can extend your cover at no extra charge if your delay is due to a reason covered under your policy. You can apply to extend any single trip policy for any other reason by contacting RACV directly at least 5 days before your policy's expiration date.

Does RACV travel insurance cover adventure activities?

Yes, some adventure activities are covered as standard and others are covered under certain conditions. For example, bungee jumping , jet boating and quad biking are covered provided you use a commercial operator and you don't need any special skills or a high level of fitness to participate.

RACV also has a list of high-risk activities that are excluded from cover altogether. These include motocross, canoeing grade 5 rapids and above and any kind of professional sport.

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16 Responses

Going on a cruise and plan to have a few drinks, not excessive though, wondering if we are covered if we have had a drink and anything happens.

Thank you for getting in touch with Finder.

Normally insurers will have a general exclusion that prohibits claims where alcohol was the root cause. You can learn more about how travel insurers treat alcohol and drug use. To know the level of your travel insurance cover, please contact your provider directly.

I hope this helps.

Thank you and have a wonderful day!

Cheers, Jeni

does RACV travel insurance cover being picked up from a cruise ship at sea

Thank you for leaving a question.

Upon verifying in the terms and conditions for RACV. If you take out any of the international travel insurance policies, you’re covered with cruise travel insurance which covers the following:

Overseas medical expenses and medical evacuation Cancellations Luggage and personal items 24-hour emergency assistance Emergency expenses overseas Pre-existing medical conditions and pregnancy

Hope this helps! Reggie

Does RACV Travel Insurance cover cost of repatriation to home should I have a serious accident or contract a serious disease or medical condition where I am required to return home on a special stretcher etc. and/or require in flight and travel assistance and/or medical assistance?

Thanks for getting in touch.

Basically, RACV Travel insurance includes “Amendment or Cancellation Costs”. They will cover your trip amendments or cancellation due to circumstances outside your control and unforeseen at the relevant time. So in the event that you are sent home due to a serious accident or you got a serious disease or medical condition while overseas, you may have to contact RACV to confirm if you can get a claim for your trip cancellation costs.

Although they have Resumption of Journey, they will only cover you for this if your repatriation is due to the sudden serious injury, sickness, disease or death *of a relative or business partner in Australia*. RACV can cover you for economy class transport costs.

Cheers, Joshua

I would like to know if RACV travel insurance covers you for a break up of relationship therefore not wanting to travel anymore?

Thanks for your comment.

The Comprehensive RACV travel insurance policy covers amendment or cancellation costs due to circumstances outside your control and unforeseen at the relevant time. Therefore, RACV (or any other travel insurance provider) will not provide any cover for cancellation due to breakup of relationship.

You may try to contact RACV about this as cover varies from policy to policy.

Regards, Jhezelyn

does t/ insurance cover property rental if owners cancel my booking

Thanks for getting in touch. You will need to contact RACV about this as cover varies from provider to provider and policy to policy but generally policies won’t for scheduling and cancellations of that nature.

Cheers, Richard

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Home > Travel Insurance > RACV Travel Insurance Review

RACV Travel Insurance Review

Learn more about RACV’s travel insurance policies to find out about their coverage and fees and compare them with other insurers today.

Fact checked

For more than a century, RACV has provided roadside assistance and a range of other services to its more than two million members. The Melbourne organisation has branched out in that time, widening the scope of its services to products such as home and travel insurance and becoming a leader in those markets.

If you’re looking for the best travel insurance, Savvy can help you compare RACV’s policies with its competitors so you can find the most suitable deal for your next holiday. You’ll be able to weigh up all the factors, from claim limits to benefits to inclusions and exclusions.

Find out what they can offer you here before getting a quote with Savvy today.

*Please note that Savvy does not represent RACV for its insurance products.

More about RACV travel insurance

What travel insurance policies does racv offer.

RACV’s online travel insurance policies include:

• International Comprehensive: this policy offers unlimited medical treatment and cancellation cover, protection for your luggage and travel documents and even pays for the additional cost of boarding your pet if you’re travel home is delayed. You’re also covered for a range of COVID-19-related expenses such as cancellation, hospital costs and cancellation.
• International Essentials: offering many of the same benefits as the comprehensive policy, RACV’s cheaper Essentials plan comes without COVID-19 or pet cover and lower claim limits.
• International Basics: this policy offers protection for the bare necessities, including overseas hospital and dental expenses, funeral costs if you die on holiday, limited coverage for your luggage and generous personal liability cover.
• Domestic Travel Insurance: this type of domestic travel insurance policy offers cover for lost luggage, cancellation fees and deposits, travel delays and any travel agent fees. RACV also offers domestic travel insurance for seniors .
• Annual Multi-Trip Insurance: planning a few international or domestic trips across 12 months? This policy is designed for frequent travellers and covers you for cancellation fees and lost deposits, overseas healthcare and any emergency expenses. You’re able to make an unlimited number of trips (up to 60 days in individual length) over the year. However, they must be more than 250km from your home.

However, it pays to compare quotes with Savvy to help you find the best travel insurance policy for your needs, no matter if you’re planning a holiday to Poland or a trip across Australia.

What optional extras are available through RACV?

RACV, like many other providers, provides optional extras for both international and domestic holidays . These include:

• Ski and winter sports cover: hitting the snow fields on your European holiday or carving up the snow-capped mountains in Thredbo? RACV allows you to purchase a comprehensive, essentials, basics or domestic ski add-on which covers you for a range of incidentals, including equipment hire, piste closure and bad weather or avalanches.
• Cruise cover: this optional extra provides coverage for any medical expenses and evacuation, lost or delayed bags, cancellation and any emergency expenses.

What exclusions should I be aware of when buying travel insurance through RACV?

Finding the best travel insurance policy can be a bit like striking gold. However, even the product which is best suited to you won’t cover absolutely every incident that occurs on your holiday. Some of the general exclusions on RACV's coverage include:

• Loss, theft or damage because you don’t take reasonable care
• Loss of enjoyment or a prospective business opportunity
• Claims relating to travel to a country against government advice
• Failure to provide a document your insurer has requested
• If you’re injured or suffer a loss due to war or a revolution at your destination
• Claims resulting from you breaking the law
• Accidents caused by the consumption of alcohol or drugs

If you’ve found a policy that catches your eye, make sure you review the Product Disclosure Statement (PDS) before you set your decision in stone.

What we think of RACV travel insurance

What we like, generous personal liability.

While many travel insurance companies offer personal liability coverage in the ballpark of $2.5 million or $5 million, RACV allows you to claim up to $10 million if you’re involved in legal troubles on your holiday.

Children under 25 covered for free

Taking the children or grandchildren on holiday with you? RACV allows you to add anyone under the age of 25 years old to your travel insurance policy at no additional cost.

Ride a motorcycle at no extra cost

Planning on carving up the busy streets of your holiday destination on two wheels? RACV provides automatic coverage for motorcycle , moped or scooter riding while you’re on holiday.

What we don't like

Higher premium for cruises.

Unlike some travel insurance providers who offer cruise coverage automatically as part of their policies, RACV requires you to purchase an add-on to get covered if you’re sailing the high seas.

Limited coverage for pregnancies

If you’re an expectant mother, RACV offers limited cover for pregnancy in its policies. You’ll only be covered for unexpected complications before your 26th week or premature birth.

Modest pre-existing coverage

While RACV’s travel insurance policies automatically cover illnesses such as acne, certain types of diabetes, gout and sleep apnoea, they’ll require you to undergo a medical assessment if you have a more serious illness, such as a heart condition.

Types of travel insurance

International.

International travel insurance can offer cover for a range of events, including medical expenses, lost luggage or items, cancellation fees and more when you're overseas and a long way from home.

If you're journeying within Australia, domestic policies are designed to offer many of the same protections as international travel insurance (with the exception of medical expenses).

Single trip

The most standard and common type of travel insurance, this policy can cover you for one trip starting and ending in Australia (and is available for both international and domestic travel).

Annual multi-trip

As the name suggests, this type of travel insurance covers multiple trips over a 12-month period. Depending on your insurer, you may be able to take an unlimited number of trips up to 90 days each.

You don't have to have a return ticket booked to take out cover while you're overseas. One-way travel insurance enables you to access cover without a set end date, such as if you're moving temporarily.

You may need to take out specialist coverage if you're setting sail on a cruise. Fortunately, cruise insurance can cover emergency evacuation, cabin confinement and more.

Just because you're older doesn't mean travel insurance isn't still important. If you qualify for cover, seniors' travel insurance can offer greater peace of mind for included events while you're travelling.

Adding winter sports or ski cover to your policy can add protection against damage to your equipment, piste closure due to bad weather and activities such as back-country skiing, heliskiing and more.

Adventure sports

Looking to enjoy some adventure sports on holiday? An adventure sports pack can grant you cover for a range of activities, such as hiking, scuba diving and motorcycle or scooter riding.

Jetsetting with the whole clan in tow? Some insurers offer family travel insurance, which enables you to include yourself, your partner and your dependent children under one policy to help you save.

If you're travelling interstate or overseas with your partner (or simply another friend or family member), you may be able to access a discount by taking out a joint or duo travel insurance policy.

Why compare travel insurance with Savvy?

Reputable insurance partners, fast and convenient online process.

You can complete the quote, comparison and purchase process online through Savvy quickly and easily.

Competitive quote costs

Regardless of the type of insurance you’re looking for, we can help you compare between competitive quotes.

Frequently asked questions about RACV travel insurance

Yes – RACV provides cover for certain COVID-19-related expenses on its comprehensive international travel insurance policy. This allows you to be covered for any medical costs if you’re diagnosed with coronavirus, lost deposits or cancellation fees if you test positive and can’t travel and any delay to your plans.

If something goes wrong while you’re on holiday, you can make a claim 24/7 through RACV’s website. This involves you setting up an account using the email address that you purchased your policy with and creating a password.

From there, you’ll be required to complete the online claim form and provide ample detail about the incident and evidence through medical or police reports and receipts. Once you’ve filed your claim, RACV’s website says it can take up to ten days for claims to be processed.

The cost of travel insurance is different for everyone, as it’s determined by a unique set of variables, including:

• Your date of birth
• Your chosen destination
• The level of coverage you buy
• Any optional extras you need
• Pre-existing medical conditions you need to disclose
• The policy excess you choose
• The type of insurer and insurance policy you buy

An annual multi-trip travel insurance allows you to take several journeys across one year (usually allowing up to 60 travel days for each trip) whereas a single-trip policy allows for coverage on only one return holiday. If you haven’t got a return flight, a one-way travel insurance policy protects you for just one leg of the journey for up to 12 months. In most cases, you’ll be able to extend your cover by an extra 12 months.

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Are you considering RACV for your next travel insurance policy? We’ve gone through the fine-print to answer your burning questions about RACV so you can find the right policy for your needs.

About RACV travel insurance

RACV (Royal Automobile Club of Victoria Limited) is a mutual organisation with over 2 million members. Founded in 1903, RACV began as a social club for car and motorcycle owners but has grown to become Victoria’s largest mutual organisation with a range of products and services in areas like insurance, motoring services, financial services, member advocacy, and holiday resorts. RACV travel insurance is underwritten by the Tokio Marine & Nichido Fire Insurance Co., Ltd.

RACV travel insurance policies

RACV offers  domestic travel insurance , as well as three tiers of international travel insurance . These tiers range from Basics, to Essentials, to Comprehensive. RACV also offers an annual multi-trip travel insurance policy, if you’re looking for an extended policy that will cover multiple holidays within a one-year period.

• Single Duo Family

Limits shown apply

Covid medical cover

Covid cancellation cover

Overseas emergency hospital expense

Overseas emergency medical assistance

Maximum excess

Cancellation fees

Pay extra for no excess

Luggage and personal effects

Additional accomodation & travel

Emergency companion

Resumption of journey

Hospital cash allowance

Accidental death

Permanent disability

Loss of income

Credit Card fraud and replacement

Travellers cheques

Travel documents

Rental vehicle excess

Alternative travel expenses

Personal liability

Pre existing conditions

Cardiovascular disease

Mental health illness

High cholesterol

High blood pressure

Blood thinning medication

Activities covered

Bungee jumping

Conservation work

Mountain biking

Mountaineering

Rock climbing

Scuba diving

Snow sports

Ocean Cruise

Comprehensive

$10,000,000

Assessment required, may cost extra

Annual Multi-Trip

Any information provided on this page should be considered a summary and general advice only. All information should be verified before purchase via the relevant Product Disclosure Statement (PDS).

Does RACV travel insurance have COVID-19 coverage?

RACV does provide some coverage for COVID-19, however, inclusions will vary depending on your policy and level of cover. For the full story, check the terms and conditions included in the PDS.

What other optional extras can I add to my RACV policy?

Cruise cover

If you’re travelling on a cruise ship, then you’ll need to purchase RACV’s cruise travel insurance on top of your policy, even if your cruise stays within Australian waters. If you do not get this optional extra, then any claims related to any part of your journey on a cruise ship will not be covered. You can pay the premium for cruise cover on any of RACV’s policies, which will cover you for that policy’s included benefits while on the portion of your journey that takes place on a cruise ship. 

Ski and winter sports cover 

Snow travel insurance is important if you’re hitting the slopes, and without it, you may not be covered for any claims relating to snow sports. Through RACV, the ski and winter sports cover is only available if you pay an extra premium on top of either a Comprehensive or Essentials policy, or if you have an annual multi-trip plan. 

Are pre-existing medical conditions covered under RACV’s travel insurance?

RACV automatically includes cover for some pre-existing medical conditions , although you must declare your pre-existing conditions and have them listed on your certificate of insurance in order to be covered. So, make sure you disclose any conditions that you do have at the time of applying. 

While you may have to pay an extra premium for your condition, some conditions are covered under your policy’s premium already. 

If your pre-existing medical condition is not eligible for automatic cover, you must apply to have a medical assessment. Contact RACV on 13 13 29, or complete your medical assessment online, as part of the travel insurance quote process, at http://www.racv.com.au . They will then be able to tell you if your condition can be covered. 

What do I do if there’s an emergency during my trip?

If there’s an emergency, contact RACV’s 24-hour emergency assistance and claims line on: 

+61 2 8055 1699

How do I make a claim with RACV travel insurance?

To make a claim, head online to RACV’s website and either register or log in to your account using the email address you used to purchase your policy. You will need to have supporting documents which are relevant to your claim, like receipts, police reports, or hospital invoices. RACV will aim to notify you of the success of your claim within 10 working days. 

Is it possible to cancel my RACV travel insurance policy?

You can cancel your policy and receive a full refund within 21 days of purchasing it, provided you have not started your journey, have not made a claim, or intend to make a claim. If you want to cancel after the 21-day cooling-off period, then you may be able to receive a partial refund, at RACV’s discretion. 

To talk to RACV about cancelling your policy, call them on 13 13 29. 

How does the Mozo Community rate RACV travel insurance?

Scroll down to see how the Mozo community has rated RACV’s travel insurance policies in terms of factors like value for money and trust.

RACV Finance travel insurance

Overall 8.3

Value for money

Policy coverage

Customer service

Claims handling

Recent RACV Finance travel insurance customer reviews Recent RACV Finance travel insurance customer reviews

RACV Finance Travel Insurance review

Overall rating   10 / 10

Reliable, efficient, excellent customer service

Amazing customer service when originally taking out the travel insurance and then when we needed to submit a claim. Extremely reliable and efficient

Full review

Value for money   9 / 10

Policy coverage   9 / 10

Customer service   10 / 10

Claims handling   10 / 10

Trust   10 / 10

Astrid, Western Australia, reviewed over 3 years ago

Overall rating   7 / 10

Highly recommended!

I find this one is the cheapest with the best service, very fast and reliable to process claims!

Value for money   7 / 10

Policy coverage   7 / 10

Customer service   7 / 10

Claims handling   7 / 10

Trust   7 / 10

Steven, Western Australia, reviewed almost 4 years ago

Overall rating   8 / 10

Great value for money - much better than others

Our experience is with RACV- great coverage, relatively easy to understand policy, long term, no age discrimination like AAMI.

Value for money   8 / 10

Trust   8 / 10

Marlene, Victoria, reviewed almost 10 years ago

Compare RACV travel insurance policies with other travel insurance providers

With so many travel insurance options now available to Aussies, it's important that you research your options before you head off on your trip overseas. Get started by using Mozo's travel insurance comparison tool to find a policy that fits your needs. All you have to do is complete the form, which includes the dates of your travel, your destination and how many people you'll be travelling with, for a quick comparison of some top travel insurance policies for Aussies.

Don't forget to also check out Mozo's  guide to travel insurance , or drop by our  travel hub  for the latest articles and tips to help you save lots on your holiday abroad. 

Compare Travel Insurance from major brands including:

Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.

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If you're going overseas, travel insurance is just as essential as your passport. Use our free comparison tool to narrow down international single trip and annual multi-trip policies from 27 insurers, offering cover for COVID-19, existing medical conditions, car rental and more.

Travel insurance is a portable version of health, home, contents, life, public liability, and car rental excess insurance all packaged in one to take on holidays with you. But with all those insurances piled into one product, navigating your way through the terms and conditions to find the loopholes can be very challenging.

Use our travel insurance comparison to narrow down your options and make sure you're getting the best cover for your needs when on holiday.

List of brands we tested in this review.

• Battleface 2
• Cover-More 5
• FastCover 4
• Flight Centre 4
• Go Insurance 4
• InsureandGo 3
• Southern Cross Travel Insurance (SCTI) 3
• Tick Travel Insurance 4
• Travel Insurance Direct 3
• Virgin Australia 5
• WAS Insurance 2
• World Nomads 2
• World2Cover 4

The average cost of the policy compared to other policies of the same type (single trip or annual multi-trip). One $ sign is the cheapest through to five $$$$$ the most expensive. NA means the policy wasn't included in the price rating.

enter value/s in increments of 1 between 0 and 0

Policy type

• One trip 65
• Policy age limit

In years (up to and including the number stated). For policies listed as '100+', there is no age limit.

Does the policy cover international cruises?

• Optional 71

Medical expenses for COVID-19

Whether the policy covers you for medical and emergency evacuation and repatriation expenses for claims arising directly or indirectly from COVID-19. Cover is assessed on individual circumstances.

Cancellation expenses for mental health

Whether the policy covers you for cancellation expenses for claims arising directly from recognised mental health disorders experienced for the first time such as depression, anxiety, schizophrenia, bipolar disorder or PTSD. Cover is assessed on individual circumstances.

• Cancellation for insolvency of a travel services provider

Whether the policy covers you for losses arising out of insolvency of a travel services provider (e.g. airline, accomodation provider, bus line, shipping line, railway company, motor vehicle rental agency). Cover is assessed on individual circumstances.

Cancellation expenses for a natural disaster

Whether the policy covers you for cancellation expenses for claims arising directly or indirectly from a natural disaster. Cover is assessed on individual circumstances.

Cancellation expenses for civil unrest

Whether the policy covers you for cancellation expenses for claims arising directly or indirectly from civil unrest such as political protests, riots and strikes. Cover is assessed on individual circumstances.

• Baggage cover

Are stolen or damaged personal belongings covered

• Limit for baggage expenses

The overall limit for stolen or damaged personal belongings.

• Limit for a smartphone

Limit for a smartphone. Cover is assessed on individual circumstances.

• Limit for a laptop or tablet

Limit for a laptop or tablet. Cover is assessed on individual circumstances.

• Limit for rental car excess

Limit for collision damage excess for a hire car. Cover is assessed on individual circumstances.

• Scuba diving

Does the policy cover scuba diving if you are appropriately certified or diving with a qualified instructor?

Skiing and snowboarding on-piste

Does the policy cover skiing and snowboarding on-piste?

• Optional 82

Skiing and snowboarding off-piste

Does the policy cover skiing and snowboarding off-piste withing the resort boundaries?

• Optional 72

Tobogganing

Does the policy cover tobogganing on snow?

• Optional 50

Does the policy cover riding a moped with an engine capacity 50cc or below, with a helmet and driving license valid in the country the policy holder is in, but without an Australian motorcycle license

• Optional 32

Moped 125cc

Does the policy cover riding a moped with an engine capacity 125cc or below, with a helmet and driving license valid in the country the policy holder is in, but without an Australian motorcycle license

• Optional 28

Does the policy cover riding a motorcycle with an engine capacity above 125cc with an Australian motorcycle license and a helmet?

• Optional 34

Included in this comparison

• Price rating
• Dependant age limit
• Cancellation
• Pregnancy stage covered
• Childbirth costs
• Pre-existing conditions covered without application
• Pre-existing conditions covered on application
• Time period for existing conditions
• Medical expenses
• Expenses for a person to accompany a sick policyholder
• Daily hospital cash allowance
• Hours of hospitalisation before receiving allowance
• Dental expenses for accident or injury
• Dental expenses for acute pain
• Overseas funeral costs
• Additional travel expenses for injury or sickness
• Additional expenses for interrupted travel
• Travel insurance extension for a delayed trip
• Additional expenses for a lost passport
• Additional expenses for a sick relative
• Additional expenses for resumption of journey interrupted for a relative
• Cancellation covered
• Cancellation expenses
• Cancellation for frequent flyer points
• Cancellation expenses for travel agent fees
• Cancellation for insolvency of a travel agent
• Cancellation expenses for redundancy
• Cancellation expenses for defence and emergency workers
• Cancellation expenses for cancellation of work leave
• Cover for transport incidents
• Cover for strikes
• Cover for mental health
• Cover for COVID-19
• Cover for pandemics
• Cover for natural disasters
• Cover for civil unrest
• Cover for terrorism
• Cover for war
• Additional expenses for a special event
• Additional expenses for pre-paid travel arrangements
• Limit for travel delay expenses
• Hours before travel delay covered
• Limit per 24 hours for travel delay
• Limit for a single unspecified item
• Limit for a video or photo camera
• Limit for prescribed medications
• Overall limit for specified items
• Cover for baggage in a car during the day
• Cover for baggage in a car overnight
• Cover for valuables in a car
• Cover for lost or stolen cash
• Limit for baggage lost temporarily
• Hours before cover applies for baggage lost temporarily
• Rental car excess
• Snow sports
• Mopeds and motorcycles
• Bungee jumping
• Horse riding
• High altitude hiking
• White water rafting
• Paragliding
• Hot air ballooning
• Hang gliding

Displaying all 91 products

• Brand (A-Z)

Limit for additional meal and accommodation expenses if scheduled transport is delayed.

Your filters

This overall score is based on our expert assessment of what the policy covers, price and how easy it is to understand and buy. A higher score is better.

1Cover Comprehensive

1Cover Frequent Traveller

1Cover Medical Only

AANT Annual Multi-Trip

AANT Basics

AANT Essentials

AANT Premium

AHM Comprehensive

AHM Comprehensive Multi-Trip

AHM Medical Only

Battleface Covid Essentials

Battleface Discovery

Cover-More Basic

Cover-More Comprehensive

Cover-More Comprehensive Multi-Trip

Cover-More Comprehensive Plus

Cover-More Comprehensive Plus Multi-Trip

FastCover Basics

FastCover Comprehensive

FastCover Frequent Traveller Saver

FastCover Standard Saver

Flight Centre Multi-Trip YourCover Essentials

Flight Centre Multi-Trip YourCover Plus

Flight Centre YourCover Essentials

Flight Centre YourCover Plus

Go Insurance Go Basic

Go Insurance Go Basic Annual Multi-Trip

Go Insurance Go Plus

Go Insurance Go Plus Annual Multi-Trip

InsureandGo Bare Essentials

InsureandGo Gold

InsureandGo Silver

Jetstar Comprehensive

Medibank Comprehensive

Medibank Medical Only

Medibank Multi-Trip Comprehensive

NIB Annual Multi-Trip

NIB Comprehensive

NIB Essentials

NRMA Comprehensive

NRMA Comprehensive Multi-Trip

NRMA Essentials

Qantas Annual Multi-Trip

Qantas International Comprehensive

RAA Essentials

RAA Multi-Trip

RAA Premium

RAC Annual Multi-Trip

RAC Comprehensive

RAC Essentials

RAC Medical Only

RACQ Annual Multi-Trip

RACQ Premium

RACQ Standard

RACT Annual Multi-Trip

RACT Comprehensive

RACT Essentials

RACV Annual Multi-Trip

RACV Basics

RACV Comprehensive

RACV Essentials

Southern Cross Travel Insurance (SCTI) Annual Multi-Trip

Southern Cross Travel Insurance (SCTI) Comprehensive

Southern Cross Travel Insurance (SCTI) Medical Only

Tick Travel Insurance Basic

Tick Travel Insurance Budget

Tick Travel Insurance Standard

Tick Travel Insurance Top

Travel Insurance Direct Annual Multi-Trip

Travel Insurance Direct Basics

Travel Insurance Direct The Works

Virgin Australia International Plan (bought with flight purchase)

Virgin Australia Travel Safe International

Virgin Australia Travel Safe International Multi-Trip

Virgin Australia Travel Safe Plus International

Virgin Australia Travel Safe Plus International Multi-Trip

WAS Insurance Covid Essentials

WAS Insurance Discovery

Webjet Travel Safe International

Webjet Travel Safe International Multi-Trip

Webjet Travel Safe Plus International

Webjet Travel Safe Plus International Multi-Trip

World Nomads Explorer

World Nomads Standard

World2Cover Annual Multi-Trip

World2Cover Basics

World2Cover Essentials

World2Cover Top

• Insurance provider

Product selected for a detailed comparison

• Car Insurance

RACV Comprehensive Car Insurance Review

The journalists on the editorial team at Forbes Advisor Australia base their research and opinions on objective, independent information-gathering.

When covering investment and personal finance stories, we aim to inform our readers rather than recommend specific financial product or asset classes. While we may highlight certain positives of a financial product or asset class, there is no guarantee that readers will benefit from the product or investment approach and may, in fact, make a loss if they acquire the product or adopt the approach.

To the extent any recommendations or statements of opinion or fact made in a story may constitute financial advice, they constitute general information and not personal financial advice in any form. As such, any recommendations or statements do not take into account the financial circumstances, investment objectives, tax implications, or any specific requirements of readers.

Readers of our stories should not act on any recommendation without first taking appropriate steps to verify the information in the stories consulting their independent financial adviser in order to ascertain whether the recommendation (if any) is appropriate, having regard to their investment objectives, financial situation and particular needs. Providing access to our stories should not be construed as investment advice or a solicitation to buy or sell any security or product, or to engage in or refrain from engaging in any transaction by Forbes Advisor Australia. In comparing various financial products and services, we are unable to compare every provider in the market so our rankings do not constitute a comprehensive review of a particular sector. While we do go to great lengths to ensure our ranking criteria matches the concerns of consumers, we cannot guarantee that every relevant feature of a financial product will be reviewed. We make every effort to provide accurate and up-to-date information. However, Forbes Advisor Australia cannot guarantee the accuracy, completeness or timeliness of this website. Forbes Advisor Australia accepts no responsibility to update any person regarding any inaccuracy, omission or change in information in our stories or any other information made available to a person, nor any obligation to furnish the person with any further information.

Updated: Feb 28, 2023, 8:51am

RACV is the largest member organisation in Victoria, offering car, home and travel insurance to all Victorians. At current, there are more than one million Victorians insured with RACV car insurance.

Its comprehensive car insurance policy offers cover for accidents and break-ins, quality offerings for after-accident care, and will even replace your car if it is written off pending certain criteria. While it’s a decent choice for Victorians, individuals in other states would have to look elsewhere for a viable policy.

• Can choose your own repairer (at an extra cost)
• Legal representation included, subject to certain criteria
• Simple, quick claim process
• Only available to Victorians
• No free roadside assistance

Table of Contents

About racv comprehensive car insurance, what is covered, racv comprehensive car insurance: extras and exclusions, how can i get a discount with racv comprehensive car insurance.

Royal Automobile Club of Victoria (RACV) was founded back in 1903, growing over the past century to become a trusted Australian brand and the largest member organisation in Victoria. At the time of writing, RACV says more than 1 million Victorians are insured with RACV car insurance.

While RACV is only available for registered Victorian drivers–other states have other reciprocal insurance companies, such as RACQ in Queensland–members are covered when travelling Australia-wide.

Additionally, when insured by RACV, members can choose to be insured on either an agreed value or a market value, depending on their preferences.

From the 638 reviews on ProductReview, RACV has received a customer satisfaction rating of only 1.8 stars. Here’s a deeper look into RACV’s Comprehensive Car Insurance policy so you can see if it is right for you.

Related: How to Find the Best Car Insurance for You

If you break down, are broken into, or are involved in an accident, RACV’s Comprehensive Car Insurance offering will get you back on the road, no matter where in Australia you’re driving through.

While there’s a range of car insurance policies available through RACV to suit individual needs and budgets, the RACV website states all of its policies provide the below at a minimum:

• Liability cover up to $20 million for unintentional collision damage to someone else’s vehicle or property when you’re at fault;
• Lifetime guarantee on workmanship of authorised repairs, as long as you’re the owner of the vehicle;
• Automatic cover for vehicle modifications, options and accessories attached to the vehicle; and
• Legal representation up to $10,000 if your vehicle is involved in an incident.

Further inclusions and exclusions to RACV’s Comprehensive Car Insurance policy are explained below.

Break ins, accidents, and after accident care

Accidental damage to your vehicle is covered by RACV. However, if such accidental damage causes you to require a hire car while repairs are completed, you will need to pay for the optional add-on. The hire car add on is limited to $60 per day for a maximum of 14 days.

In terms of after accident care, RACV will cover you if you’re more than 100 kilometres from home by providing both emergency transport and accommodation (with a limit of $1500). Regardless of your distance from home, towing is covered from the incident to the repairer or another safe place as determined by the insurer.

If your car is broken into, RACV will cover personal property up to $500. Baby capsules and child seats are considered separate to personal property, and are also covered for up to $500.

Will RACV replace my car if it’s written off?

Yes, RACV will replace your car if it is written off in an accident, as long as the car was purchased as new or as a demonstrator; has a tare weight of less than 2.5 tonnes; and the incident occurs within the first two years of registration.

Can I choose my own repairer?

For the standard RACV Comprehensive Car Insurance policy, choice of repairer is not included. However, if you wish to use your own repairer, you are able to include this in your policy as an optional add-on.

Is free roadside assistance included?

No, free roadside assistance is not automatically included in your RACV Comprehensive Car Insurance policy. It is available to be purchased separately.

RACV Customer Service (aka How Easy is it to Make a Claim?)

RACV offers its customers a customer service line for enquiries from 7am-11pm every day, including weekends and public holidays. There’s also a separate phone line for claims and another for roadside assistance.

Additionally, RACV has nearly 30 face-to-face stores throughout the state of Victoria for in-person service, and allows its customers to manage their policies via an online portal.

This makes the process of claims a simple one, with numerous options on how to submit the claim. RACV’s website says it takes only 10 minutes to make a claim online, or you can call RACV to complete the process over the phone.

To manage existing claims, pay an excess or follow up on your claim’s process, RACV members can also use the online portal or call the insurance claims hotline.

While roadside assistance and windscreen cover are not automatically included with RACV Comprehensive Car Insurance, they can be added on as additional extras.

In terms of exclusions–being any circumstances that would void a claim–RACV states that intentional acts are not covered, nor is driving unlicensed or under the influence.

It will also void any claims that are made if the vehicle has been used improperly, such as reckless acts, unsafe towing conditions, illegal street racing and so forth.

A comprehensive list of RACV’s exclusions can be found within its PDS for its comprehensive car insurance offering.

Some car insurance providers offer their customers a ‘no claims bonus’, in which they offer discounts for policyholders who do not have a history of making claims. While RACV doesn’t have a specific no claims bonus outlined, it does factor an individual’s claims history into the price of the policy premium.

If you have other policies with RACV, such as home or travel insurance, you can receive a multi-policy discount. Additionally, discounts for continuous years of membership may be available.

RACV does not offer a ‘drive less, pay less’ policy for its members, so if you don’t use your car on a frequent basis, it may not be the best choice for you.

Frequently Asked Questions (FAQs)

Does racv car insurance include roadside assistance.

No, RACV’s Comprehensive Car Insurance policy does not include free roadside assistance. It is available to be purchased separately at an extra cost to your premium.

What is RACV’s cooling off period?

RACV has a cooling-off period that allows you to cancel your policy within 21 days of it being issued. If you’ve not made any claims on your policy during this time, RACV will refund the premium you have paid in full.

Who underwrites RACV car insurance?

RACV’s motor insurance policies–including car, caravan, trailer and motorcycle–are all underwritten by Insurance Manufacturers of Australia Pty Limited.

Sophie Venz is an experienced editor and features reporter, and has previously worked in the small business and start-up reporting space. Previously the Associate Editor of SmartCompany, Sophie has worked closely with finance experts and columnists around Australia and internationally.

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Cruise packages

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International comprehensive travel insurance

• Unlimited medical cover#
• Limited cover for kids and grandkids with no additional charge^
• Now with limited COVID-19 Benefits, which extend to optional cruise cover
• Members save 15%

International Comprehensive Travel Insurance will give you

Our Australian team of emergency assistance experts with a global network of doctors, nurses and logistical staff is available 24 hours per day.

Unlimited medical cover for overseas hospital, medical, surgical, nursing, dental and ambulance expenses. Our medical cover also assists you to find treatment and if necessary, medical evacuation. While in hospital, you're covered for up to $6,000 cash.

We provide unlimited cover for emergency additional accommodation and transport expenses if your journey is disrupted due to a natural disaster or serious weather event.

If you have to cancel  your travel as a result of an unforseen event, your policy provides cover unlimited cancellation. 

We'll cover disruption to your travel plans including;

• New for old luggage cover up to $15,000
• Luggage delay $750
• Travel delay $3,000
• Resumption of travel $5,000
• Personal money $500

When hiring a car on holidays, don't risk any extra costs if your car is stolen or damaged. We'll cover you for up to $8,000.

Don't stress about home if your travel plans are disrupted. We'll cover you for;

• Loss of income $10,400
• Financial default $10,000
• Domestic services $1,500
• Domestic pets $650
• Special events $5,000

Cover for travel agent fees of up to $4,000 and travel documents of up to $5,000.

When you're on holiday, have peace of mind knowing that you and your loved ones are covered for;

• Legal liability $10 million
• Accidental death* $25,000
• Accidental disability* $25,000
• Funeral expenses overseas* $20,000
• Hijack and kidnap* $10,000

*This cover is per person listed on Your policy.

This option covers a range of recreational winter sports including Snowboarding and Skiing (leisure bigfoot, cat, cross country, glacier, mono, off-piste) ice hockey, ice skating, luging, snowmobiling and tobogganing.

We will cover you for;

• Overseas medical and hospital expenses you pay as a result of injury
• Costs arising from hiring alternative snow equipment hire due to loss, theft or damage
• If you're unable to utilise the full duration of your pre-booked Ski pack (ski passes, ski hire, tuition or lift passes)
• Piste closure if there is not enough snow, bad weather or power failure
• Bad weather and avalanche closure
• Lift pass when there is theft or a loss

See the Product Disclosure Statement for details.

If you'd like to add this option and for pricing information, call 1300 655 179 .

If you have a change of heart and are yet to make a claim, you can cancel your policy within 21 days.

Terms and conditions apply. This advice is general advice only. Please refer to the Product Disclosure Statement before making a decision about this product and read the Target Market Determinations (TMDs) before determining whether this product is suitable for your circumstances. This product is issued by Tokio Marine & Nichido Fire Insurance Co., Ltd (ABN 80 000 438 291 AFSL 246548).

# Medical benefit expenses will not be incurred for more than 12 months from the time of first receiving treatment for the injury or illness. Limits, exclusions and conditions apply.

^ Children & Grandchildren are covered at no extra cost, provided they do not require a medical assessment.

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Comprehensive Car Insurance

Comprehensive cover for damage to your vehicle and unintentional collision damage to other people’s property

What’s Comprehensive Car Insurance?

Comprehensive Insurance protects you from potentially hefty bills in the event of an accident. Regardless of who is at fault, you and anyone permitted to drive your vehicle, will be covered for collision damage to your vehicle and other people’s property.^

Go with the standard inclusions, or add optional extras to suit your needs and budget — like hire car cover, windscreen cover with no excess or pick your own licensed repairer.¹

Key benefit

Hire car cover if your vehicle can’t be driven after a not-at-fault collision until it’s repaired, or your claim is settled. The name and address of the driver at-fault has to be provided to RACV Insurance.

More than just great cover

24/7 claims help.

No claim is too difficult. Our Australian-based consultants are always here to help. 

Your choice of excess

Lower your premium by choosing a higher excess on Complete Care® and Comprehensive policies.

Cover for additional drivers

Any licensed driver who meets our criteria will be covered when driving your car. ^

Pay annually or monthly

Save on the price of your premium when you pay annually.†

Loyalty discount

The longer you're a Member, the greater your discount on selected products with our Years of Membership benefit.*

Multi-policy discounts

Take out two or more eligible policies and save up to 10% on each – including home and motor insurance.*

Know you'll be covered with RACV Comprehensive Car Insurance

What does racv comprehensive car insurance cover.

• Not included
• Optional extras

With an RACV Comprehensive Car Insurance policy, you'll be covered for a range of events. Here’s a summary of what’s included:

Loss or damage to your vehicle

Caused by an accident, flood, fire, malicious act, storm, theft or attempted theft.

Up to $500 for personal items

If they’re stolen with your vehicle or damaged in an incident. Some exclusions apply.

Hire car after a not-at-fault collision

If your car is unsafe to drive or is in for repairs. The at-fault driver’s details must be provided.

New replacement vehicle

Where available if your vehicle is up to 2 years old and RACV Insurance considers it to be a total loss and agrees to pay your claim.

Liability cover up to $20 million

For damage to someone else’s vehicle or property.

Any licenced driver (including learners)

With permission to drive your vehicle will be covered. Additional excess may apply to inexperienced drivers or drivers under 25.

This is only a summary of the inclusions for RACV Comprehensive Insurance. For more information, such as conditions, limits and exclusions, please read the Product Disclosure Statement.

Running costs of a hire car, such as petrol or tolls. 

Loss or damage to a hire car. 

Liability from the use of a hire car. 

A hire car arranged by you, unless RACV Insurance approved it beforehand. 

For more information on General Exclusions and items not included in your cover, refer to the Product Disclosure Statement . 

For added peace of mind, you can choose to boost your cover with optional extras. If you do this, you’ll need to pay more on your premium.

Hire Car regardless of who is at fault

Under Comprehensive Insurance, you’re covered for a hire car for not-at-fault collisions if you can provide the details of the at-fault driver, as well as theft or attempted theft of your vehicle. By adding this option, you’ll be covered for a hire car regardless of who is at fault.

Windscreen cover with no excess

If you add this option, you won’t need to pay any excess when only your vehicle’s windscreen, sunroof or window glass is damaged as a result of an incident.

Any repairer

Under Comprehensive Insurance, RACV Insurance will arrange for an RACV Partner Repairer to fix your vehicle. If you choose this option, you can pick any licensed repairer to fix your vehicle.

For associated conditions, see the Product Disclosure Statement .

Compare Complete Care® and Comprehensive insurance

Complete care®.

Any driver with a valid licence (including learners) and permission to drive your vehicle will be covered. Additional excess may apply to inexperienced drivers or drivers under 25.

Cover for the cost to repair or replace your damaged windscreen, windows or sunroof - without needing to pay an excess, following an insured event.

Cover for the cost of a hire car if you can't drive your vehicle (excluding a motorcycle) after a collision where you're not at fault, and you've provided the at-fault driver's details.

Cover for the cost of a hire after the theft or attempted theft of your vehicle.

Cover for the cost of a hire car if you can't drive your vehicle after a collision where you're at fault.

The option to choose a repairer outside of the RACV Partner Repairer network, following an accident.

For an insured incident when you're more than 100km from home.

Repairs that are necessary following an incident that we’ve agreed to cover to get you safely back on the road (up to $800).

For Complete Care® cover, you’re covered for taxi fares to get you home from an accident, and when dropping off and picking up your vehicle from the repairer or hire car provider. For Comprehensive cover, you’re covered for taxi fares when dropping off and picking up your vehicle from any RACV Partner Repairer.

If you choose a higher excess, you can reduce your premium payment and the same goes the other way around.

A new-for-new vehicle replacement if RACV Insurance considers your vehicle to be a total loss and agrees to pay your claim. Conditions apply.

With RACV Complete Care®, you won’t pay extra when choosing to pay your premium by the month. With Comprehensive Insurance, there’s an extra cost for monthly payments.

• Vehicle inspection after authorised repairs

Cover for the cost to pick up your vehicle from the incident, your home or work and take it to a repairer, if you ask us to.

Cover for personal items in your car if they're stolen or damaged in an accident. Exclusions apply.

Complete Care® Car Insurance includes agreed value cover as standard. You’ll choose an agreed value and lock it in for the policy period. Comprehensive Car or Motorbike Insurance allows you to choose agreed or market value. With market value, you’ll receive a market value assessment of your vehicle at the time of an incident (based on the age and condition of your vehicle).

Your cover may include the cost of replacing any accessories or modifications attached to your vehicle. Cars must be registerable and roadworthy. Cover is limited to agreed value.

Up to $500 cover for each baby capsule or child seat if they're damaged in an insured incident or stolen with your vehicle.

Up to $1,000 cover on top of your basic excess to replace or re-code your keys, locks or barrels if your keys are stolen. The theft must be reported to the Police.

Up to $1,000 to repair or replace your trailer or caravan if its damaged while towing it.

Towing from the incident to either a place of repair or a safe place we recommend. We’ll decide based on whichever is closer.

Up to $20 million in liability cover – protection if your vehicle causes an accident and a claim is made against you for loss or damage to someone else’s property.

• Cover for fire, theft, flood, storm or a malicious act
• Accidental damage to your vehicle

Comprehensive

This is only a summary of some inclusions for RACV Car Insurance policies. Refer to the relevant  Product Disclosure Statement for specific terms, conditions, limitations and exclusions. If you choose to add optional extras to your cover, you'll need to pay more on your premium.

See other car insurance options

Third party fire and theft.

Cover if your car is damaged by fire or stolen. Plus, for unintentional collision damage to other people’s property and vehicles.

Third Party Property Damage

Basic cover for unintentional collision damage to other people’s property and vehicles.

Make a claim or manage your policy

Make or manage a claim.

Lodge and manage claims online or by calling the claims team on  13 19 03 .

• How to make a claim
• Make a claim online
• Manage an existing claim

Manage your policy

Log in to your online account to view policy documents, or update your personal details and payment methods. For other changes, call 13 72 28 .

• Update your personal details
• Update your policy details
• View your policy documents
• Read product disclosure statements

Frequently asked questions

What is the difference between market value and agreed value.

Agreed value This is how much RACV Insurance agrees to insure your vehicle for. You can choose from within a value range, and it remains fixed for the term of the policy.

At renewal, RACV Insurance considers the changes in your vehicles agreed value using local market values. Check your renewal notice for any changes.

Market value This is an assessment of your vehicle’s value at the time of an incident you’re making a claim for. It considers local market prices and the age and condition of your vehicle.

For more information on what’s included in your agreed or market value, check the Product Disclosure Statement .

You can only choose between agreed value and market value if you purchase a Comprehensive Car Insurance policy.

Did this answer your question?

Thank you for your feedback, what's the difference between comprehensive and complete care car insurance.

Complete Care® Car Insurance has the following inclusions:

Vehicle pick up and return from the scene of the accident to a repairer; or from your home or work to the repairer and back again

Post repair vehicle inspection for authorised repairs

Pet assistance to transport your furry friend home or to safety if it is with you at the time of an incident

Emergency accommodation

Pay by the month at no extra cost.

There are also some differences in the amount of value you’ll be covered for. For example, with  Complete Care® Insurance  you’re covered for up to $100 per day for a hire car after an accident until your claim is settled, which is a higher amount than Comprehensive Insurance.

This is only a summary of the differences between RACV Car Insurance policies. Refer to the relevant Product Disclosure Statement for specific terms, conditions, limitations and exclusions. 

Does this policy cover anyone who has permission to drive the vehicle?

Yes, as long as they have a valid driver’s licence. Additional excesses may apply for drivers under 25 and inexperienced drivers.

What can you claim on Comprehensive Car Insurance?

Comprehensive Insurance can protect you from loss or damage to your vehicle caused by any of the following incidents: an accident including a collision, flood, fire, malicious act, storm, theft or attempted theft, as well as damage you cause to other people's property.

This is only a summary of the inclusions for RACV Comprehensive Insurance. For more information, such as conditions, limits and exclusions, please read the Product Disclosure Statement .

Do I need Comprehensive Car Insurance?

Comprehensive car Insurance protects you from potentially hefty bills in the event of an accident. Regardless of who is at fault, you and anyone permitted to drive your vehicle, will be covered for collision damage to your vehicle and unintentional collision damage to other people’s property.

If you only want to purchase insurance cover for damage you cause to other people’s property, then you may wish to purchase a  Third Party Fire & Theft , or Third Party Property Damage Insurance policy. 

What is the cost of Comprehensive Car Insurance for under 25s?

Your insurance premium generally reflects the likelihood of a claim being made on your policy in the future and a number of other factors. Call us for a quote on 13 72 28 or get a quote online .

We can also help you with...

Emergency roadside assistance.

From flat tyres and empty petrol tanks to lock-outs and flat batteries, we’re here to help. Drive with total peace of mind when you purchase one of our roadside assistance products.

• Find out more

Caravan & Trailer Insurance

Whether you’re hitting the open road with a caravan in tow or staying in one place, there is a policy to suit. Discover a range of flexible options today.

Compare our wide range of finance options to see how we can help you hit the road sooner.

Tips and advice for your car

Want to know where to get the best price on petrol? Check out our Victoria-wide fuel prices page to secure the best petrol price near you.

Vehicle safety technology is common in many modern cars. Find out more about how these technologies keep you and your family safe. Visit RACV today.

What to do if your car is damaged by hail

Hailstorms cause widespread damage to cars, property, and even people. If you were caught off guard by hail and your car was damaged, here's what to do next.

1 Complete Care® and Comprehensive policies only.

^ Additional excess applies to drivers under 25 or with less than 2 years' driving experience.

† Comprehensive, Third Party and Third Party Fire and Theft policies only.

* The Multi-Policy Discount and Years of Membership Benefits exclude Travel, Business and Farm Insurance products. To qualify for the Multi-Policy Discount, you must hold two eligible RACV Insurance policies. For further details, see the Premium, Excess and Discounts guide at racv.com.au. Discounts will only be applied until any applicable minimum premium is reached. On renewal, any increases or decreases in your premium may be limited by factors such as your previous year’s premium. You may not save more with more eligible policies and by staying with RACV Insurance longer if a minimum premium is reached, or limits have been applied to increases or decreases in your premium.

The information provided is general advice only. Before making any decisions please consider your own circumstances and the Product Disclosure Statement and Target Market Determinations . For copies, visit racv.com.au. As distributor, RACV Insurance Services Pty Ltd AFS Licence No. 230039 receives commission for each policy sold or renewed. Product(s) issued by Insurance Manufacturers of Australia Pty Ltd ABN 93 004 208 084 AFS Licence No. 227678.

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