From basic cover to comprehensive protection, compare flexible insurance, trusted by more than 1 million Victorians Thank you for contacting us Your reference number is We'll contact you within 72 hours and may ask for this reference number. Stay protected with RACV Trusted on the road since 1903. Explore cover to protect your own car or third parties from loss or damage. Any driver, covered Any licensed driver who meets policy conditions will be covered when driving your car.^ Flexible cover, 4 levels Tailor your policy with 4 levels of cover, optional add-ons and flexible excess to suit any budget (select policies only). Help when you need it Our team is available from 7am – 11pm every day for help with your quote and general enquiries. Award-winning car insurance From third party cover to Complete Care®, see why RACV Car Insurance is trusted by more than 1 million Victorians.† Compare options to protect your car Tailor your car insurance quote with flexible cover. This is a summary only. For a full list of inclusions, conditions, limits and exclusions, read the Product Disclosure Statement . Our highest level of cover, best if you want premium protection with agreed value, extensive benefits and support. Any licensed driver covered^ New car replacement within 3 years~ Hire car for any incident, collision or theft No limit applies after not-at-fault collision. Up to $100/day until claim is settled as a result of a theft, attempted theft or any other incident. No limit applies after not-at-fault collision. Up to $100/day until claim is settled as a result of a theft, attempted theft or any other incident. Choose your own repairer or from the RACV Repair Network No excess for windscreen, sunroof and window glass damage Vehicle towing, pick up and return Emergency transport and accommodation (up to $1,500) Up to $1,500 in total for emergency accommodation and transport for you and your vehicle if your vehicle is damaged in an incident more than 100km from your home in Australia and cannot be driven following an insured incident. Up to $1,500 in total for emergency accommodation and transport for you and your vehicle if your vehicle is damaged in an incident more than 100km from your home in Australia and cannot be driven following an insured incident. Flexible choice of excess Emergency repairs (up to $800) Personal items stolen or damaged in an accident (up to $1,000) Liability cover (up to $20 million) If your vehicle causes an accident and a claim is made against you for loss or damage to someone else’s property. If your vehicle causes an accident and a claim is made against you for loss or damage to someone else’s property. Modifications or accessories Accidental damage to your vehicle Fire, theft or attempted theft Replacement of keys, locks or barrels (up to $1,000) If your keys are stolen. Theft must be reported to police. If your keys are stolen. Theft must be reported to police. Trailer or caravan damage while towing (up to $1,000) Best if you want broad cover for your car and others' – including accidents and theft – plus flexible options for your policy. Any licensed driver covered^ New car replacement within 2 years~ Hire car for not-at-fault collisions or theft No limit applies after not-at-fault collision. Up to $60/day for up to 21 days after a theft or attempted theft. Option to add cover for other incidents. No limit applies after not-at-fault collision. Up to $60/day for up to 21 days after a theft or attempted theft. Option to add cover for other incidents. Optional: choice of repairer. RACV Repair Network included Optional: no excess for windscreen, sunroof and window glass damage Towing if you’re involved in an incident Emergency transport and accommodation (up to $1,000) Up to $1,000 in total for emergency accommodation and transport for you and your vehicle if your vehicle is damaged in an incident more than 100km from your home in Australia and cannot be driven following an insured incident. Up to $1,000 in total for emergency accommodation and transport for you and your vehicle if your vehicle is damaged in an incident more than 100km from your home in Australia and cannot be driven following an insured incident. Flexible choice of excess Emergency repairs (up to $800) Personal items stolen or damaged in an accident (up to $500) Liability cover (up to $20 million) If your vehicle causes an accident and a claim is made against you for loss or damage to someone else’s property. If your vehicle causes an accident and a claim is made against you for loss or damage to someone else’s property. Modifications or accessories Accidental damage to your vehicle Fire, theft or attempted theft Replacement of keys, locks or barrels (up to $1,000) If your keys are stolen. Theft must be reported to police. If your keys are stolen. Theft must be reported to police. Trailer or caravan damage while towing (up to $1,000) Third Party Fire and Theft Best if you only need cover for damage to third parties, and limited cover for fire, theft or attempted theft for your vehicle for market value (up to $10,000). Any licensed driver covered^ New car replacement not included Hire car for theft (up to 21 days) Up to $60/day if you can’t drive your vehicle as a result of theft or attempted theft. Up to $60/day if you can’t drive your vehicle as a result of theft or attempted theft. Choice of repairer not included No excess for windscreen, sunroof and window glass damage not included Towing if you’re involved in an incident Emergency transport and accommodation (up to $750) Up to $750 in total for emergency accommodation and transport for you and your vehicle if your vehicle is damaged in an incident more than 100km from your home in Australia and cannot be driven following an insured incident. Up to $750 in total for emergency accommodation and transport for you and your vehicle if your vehicle is damaged in an incident more than 100km from your home in Australia and cannot be driven following an insured incident. Choice of excess not included Emergency repairs (up to $800) Personal items not included Liability cover (up to $20 million) If your vehicle causes an accident and a claim is made against you for loss or damage to someone else’s property. If your vehicle causes an accident and a claim is made against you for loss or damage to someone else’s property. Modifications or accessories Accidental damage to your vehicle not included Fire, theft or attempted theft Replacement of keys, locks or barrels not included Trailer or caravan damage not included Third Party Property Damage Best if you only need essential cover for damage to other vehicles or property. Any licensed driver covered^ New car replacement not included Hire car not included Choice of repairer not included No excess for windscreen, sunroof and window glass damage not included Towing if you’re involved in an incident Emergency transport and accommodation not included Choice of excess not included Emergency repairs not included Personal items not included Liability cover (up to $20 million) If your vehicle causes an accident and a claim is made against you for loss or damage to someone else’s property. If your vehicle causes an accident and a claim is made against you for loss or damage to someone else’s property.

Modifications or accessories Accidental damage to your vehicle not included Fire, theft or attempted theft not included Replacement of keys, locks or barrels not included Trailer or caravan damage not included Looking for more specialised cover? Vintage and classic cars Caravans and trailers Enjoy more discounts with RACV With living costs on the rise, we’re here to help you insure what matters most while protecting your wallet. Save up to 10% with multiple policies Take out 2 or more eligible policies and save up to 10% on each – including home and car insurance.* Save up to 20% with loyalty discounts The longer you're a member, the greater your discount on your car insurance and other selected products.* # Save 5c per litre on fuel With RACV Car Insurance, you’ll save 5c per litre on EG Ampol fuel, plus enjoy member offers on shopping, travel and more. Terms and conditions apply. Save 10% on EV charging Save 10% at participating Chargefox ultra-rapid RACV charging stations across Australia. Terms and conditions apply. Save $15 on batteries Explore RACV batteries to suit every vehicle and save $15 on the recommended retail price. Terms and conditions apply. Stay connected and get support Members can easily check policies or get quotes in the RACV App. 24/7 claims online, or get help from the claims team. View your policy and access your documents anytime. Keep track of upcoming payments and view your payment history. Save on fuel, shopping, attractions and more with RACV Member benefits. Frequently asked questions How much can I insure my car for? With RACV Motor Insurance, you can insure your car for the market value or agreed value, depending on your policy. 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. You’ll get market value with these policies: Comprehensive (choice of market or agreed value) Third Party Fire and Theft Third Party Property Damage Agreed value This is an amount agreed upon before your policy begins, by choosing from within a value range. Your vehicle will be insured for this amount for the term of your policy. You’ll get agreed value with these policies: Comprehensive (choice of agreed or market value) Renewing your policy At renewal, local market values are used to consider any changes in your vehicle’s agreed value. Check your renewal notice for any changes. For more information on what’s included in your agreed or market value, check the Product Disclosure Statement . How can I manage the price of my policy? There are lots of ways we can help you take control of your insurance policy and premium. For example, when buying or renewing your RACV Car Insurance, you can: explore flexible basic excess update your cover to market or agreed value review your optional extras check listed drivers and remove any additional drivers you don’t need. 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. How do I make a claim? You can make a claim 24/7 in the app, online or by phone. No matter who is at fault in an incident, the process of making a claim is the same. Download RACV App What you need to prepare your claim Provide us with information on the incident, like recorded time, witness’ contacts and details of other drivers involved (if applicable). Include photos of the incident to help with your claim. If your car has been stolen in Victoria, contact the Police Assistance Line on 131 444 , before making an insurance claim. We may ask you for a police report reference number and the date reported. For more advice, read our claims guide . What excess do I need to pay if I make a claim? A car insurance excess is the amount you contribute toward the cost of a claim once it has been accepted. There are three types of excess: basic, age and inexperienced driver. Some situations where you'll need to pay an excess: you or the person driving your vehicle was at fault in an incident the incident wasn't your fault but you don't have the details of the at-fault party the damage is caused by collision with an animal your car was damaged by an event (such as hail, or a tree during a storm). When you start a claim online, you'll find out whether an excess is payable. If you have an excess to pay, you can log in to pay it online . For more detailed information, see the Premium, Excesses and Discounts Guide (PED) . Do I need to list all drivers on my car insurance policy? No matter who’s driving, RACV Motor Insurance covers all licensed drivers provided they meet policy conditions and have your permission to drive your vehicle.^ 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. 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 ) . Add drivers to your policy in the RACV App Download the RACV App Tap on ‘my products’ Tap on your policy and then ‘view and manage policy’ Under ‘Manage your policy’ tap ‘add, remove or edit drivers’ Tap ‘edit’ and update driver details. Add drivers to your policy in your online account Log in to your online account Click on your policy Scroll to ‘the drivers’ section Click ‘edit’ and update driver details. Can I choose my own repairer? You can choose your own repairer with Complete Care® Car Insurance, or you can add this option to Comprehensive Car Insurance policies. It’s not available with Third Party Car Insurance policies. If you choose to arrange your own repairer, make sure you have selected an authorised repairer who meets industry standards. If anything goes wrong (like faulty work), it won’t be covered in your policy. Using RACV’s Repair Network Your RACV Car Insurance includes access to more than 90 high-quality partner repairers . These businesses quote, assess and provide quality repairs for your car. Plus you’ll get a lifetime guarantee on workmanship of any repairs authorised by RACV Insurance, as long as you’re the owner of the vehicle. ^ Provided they meet policy conditions and have your permission to drive your vehicle. Additional excess applies to drivers under 25 or with less than 2 years' driving experience. † RACV Insurance recognised in the Finder Customer Satisfaction Awards – more information on the awards research methodology at https://www.finder.com.au/finder-awards . ~ If you purchased a new or demonstrator vehicle weighing less than 2.5 tonnes, your vehicle is considered a total loss, a similar replacement vehicle is available in Australia, and any credit provider noted on your Certificate of Insurance agrees. Further conditions apply. See the Product Disclosure Statement for details. * 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. # RACV Years of Membership: at 5 years Bronze cardholders receive a 5% discount, at 10 years Silver cardholders receive a 10% discount, at 25 years Gold cardholders receive a 15% discount and at 51 years Gold 50 cardholders receive a 20% discount. Terms and conditions apply to all offers. Click on the offer to find out more details. 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. Ready to get started?