RACV Car Insurance

RACV Car Insurance

RACV is a provider of car insurance, home and contents insurance, renters’ insurance, and business and farm insurance.

“We’re there for you.”

Policy Options: What RACV car insurance covers

The inclusions below represent a selection of what is covered. Additional conditions may apply to different features. CANSTAR is not making any suggestion or recommendation to you about this product.  Please ensure that you read the product disclosure statement to determine all the current policy options and inclusions for the product you are considering.

Complete Care TM (similar to other providers’ Comprehensive Plus policy)

  • Liability cover for damage to other people’s vehicles and property up to $20 million.
  • Cover for loss or damage to your car including from fire, flood, storm or malicious act up to agreed value.
  • Cover for theft of your car, up to agreed value.
  • New-for-new replacement if your car is stolen or written off within its first 2 years of registration.
  • Covers the cost of a hire car after accident or theft for an unlimited number of days, up to $88/day until your vehicle is back on the road.
  • Covers hire car excess and bond up to $3,000.
  • Covers the cost of towing and vehicle pick up and return after an accident.
  • Emergency accommodation is covered if you have an incident more than 100km from home, up to $150/night for up to 10 nights.
  • Emergency assistance when you are more than 100km from home, covered at no extra cost through the Aussie Assist program.
  • Taxi costs up to $250 from the incident and between the repairer and hire car provider.
  • Windscreen, window or sunroof glass repaired with no excess.
  • Lifetime guarantee on the workmanship of repairs by authorised repairers.
  • Post-repair vehicle inspection by RACV assessors for peace of mind.
  • Choose your own repairer.
  • Coverage of personal property damaged or stolen in car, up to $1,000.
  • Coverage for damage to trailer or caravan attached to your car (up to $1,000).
  • Covers baby capsules and child seats (up to $500 per item).
  • Pet assistance if your pet is in your car at the time of an incident.
  • Pay by the month at no extra cost.
  • Reach Rating 1 status and maintain it for just 1 year with no claims, and you keep that rating status for life (RACV Premier 1).

Prime Cover Comprehensive for 50+

  • Same inclusions as standard comprehensive policy, but gives a discount to those aged 50 years and older.

Comprehensive

  • Liability cover for damage to other people’s vehicles and property up to $20 million.
  • Cover for loss or damage to your car including from fire, flood, storm or malicious act up to agreed value.
  • Cover for theft of your car, up to agreed value.
  • New-for-new replacement if your car is stolen or written off within its first 2 years of registration.
  • Covers the cost of a hire car after theft, up to $50/day for up to 21 days or until your vehicle is back on the road.
  • Option to cover the cost of a hire car after accident, up to 14 days.
  • Covers the cost of vehicle towing, but not pick-up and return
  • Emergency assistance when you are more than 100km from home, covered at no extra cost through the Aussie Assist program.
  • Lifetime guarantee on the workmanship of repairs by authorised repairers.
  • Choose your own repairer.Coverage for damage to trailer or caravan attached to your car (up to $1,000).
  • Covers baby capsules and child seats (up to $500 per item).
  • Option to cover windscreen, window or sunroof glass with no excess.
  • Optional protection of your rating status even if you make an at-fault claim.

Third Party, Fire and Theft

  • Liability cover for damage to other people’s vehicles and property up to $20 million.
  • Covers theft and damage to your car from fire.
  • Covers damage to your car from accident caused by an at-fault, uninsured driver, up to a market value of $5,000.
  • Cost of a hire car after theft is covered for up to 21 days or until your car is back on the road (whichever comes first).
  • Emergency assistance when you are more than 100km from home, covered at no extra cost through the Aussie Assist program.

Third Party Property Damage

  • Liability cover for damage to other people’s vehicles and property up to $20 million.
  • Covers damage to your car from accident caused by an at-fault, uninsured driver, up to $5,000.
  • Emergency assistance when you are more than 100km from home, covered at no extra cost through the Aussie Assist program.

Veteran, Vintage & Classic Vehicles

  • Specially-tailored policies to cover veteran (pre-1919), vintage (1919-1930), and classic (15 years or older) vehicles that are used 10 days or less per month, for hobby purposes or the occasional wedding hire.
  • Liability cover for damage to other people’s vehicles and property up to $20 million.
  • Covers damage to your car from accident and fire, up to agreed value.
  • Covers theft of your car, up to agreed value.
  • Roadside assistance provided by RACV Extra Care at no extra cost.
  • Covers emergency repairs, reasonable costs of transporting car to nearest repairer, and storage costs for vehicle.

Policy Benefits: Why choose RACV

  • Claims process: RACV lets you make a claim online with their paperless processes, and they also have a 24/7 phone helpline if you need it.
  • Premium cost-reducing measures: You can select a higher excess to reduce your premium.
  • Multi-policy discount: Take out 2 or more RACV insurance policies to receive 10% off each policy’s premium.
  • Loyalty discount: Discounts vary from 5% (Bronze) to 20% (Gold 50) depending on how many years your car has been insured with RACV.
  • Rating discount: Your discount gets larger for every year you have gone without making a claim, under the RACV rating status system.

About RACV

The Royal Automobile Club of Victoria (RACV) was formed as a motorists’ social club in 1903 and has been providing valuable services to millions of Victorians ever since.

RACV is the trusted insurer for more than 2 million Australian drivers, and employs more than 1,800 people. RACV offers specialised policies including cover for over-50s and cover for vintage and classic cars.

RACV’s Kids Stuff page has colouring-in pages, printable puzzles, and even printable board games.

How RACV supports the community

RACV Community Foundation:

  • Grants of up to $20,000 for grassroots organisations to improve the lives of people in need in Victoria.
  • Since 1997, the Foundation has provided over $3.1 million in grants to around 480 charities.

Sir Edmund Herring Memorial Scholarship:

  • Scholarship of $54,000 provided to Australian health professionals working in Victoria, to develop programs to prevent road trauma and improve the quality of care for road trauma victims.

Support partnerships: RACV’s support partnerships change every 2 years, and the following partnerships are current at the time of writing in 2015:

  • Arts: RACV is supporting Circus Oz to train young people in Victoria in circus skills and performing.
  • Health and well-being: RACV is supporting Little Athletics Victoria to provide sports and fitness equipment to help children aged 5-16 start a healthy lifestyle while they’re young.
  • Mobility and safety: RACV is supporting Travellers Aid Australia to provide the Community Travel Training program, which trains transport providers about how to make independent travel possible for those with physical disabilities or mental illness.
  • Welfare: RACV is supporting FareShare, who provide more than 1 million nutritious meals for the homeless and hungry. RACV funding has allowed FareShare Kitchen Garden to grow the high-yield vegetables used in these meals.

How RACV supports the environment

  • Energy use: RACV supports the CERES Energy Smart Choices program for schools and community centres, which educates children and adults about how to be energy efficient. CERES is one of Australia’s most visited community environment centres and has more than 350,000 visitors every year.
  • Waste: RACV’s Victoria Club and Resorts are Bronze-certified in the Waste Wise program.
  • Eco-sensitive wildlife attractions: RACV supported Phillip Island Nature Parks to build an eco-sensitive penguin-viewing facility.

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 Written by: TJ Ryan