RACV Car Insurance is a Victoria-based motor insurance provider, trusted by more than 1 million Victorians, offering everything from Third Party cover through to Complete Care, including options for 4x4s, luxury cars, modified vehicles, and imports.
RACV Car Insurance: Quick Stats Table
Here’s a snapshot of the company before we go further.
| Detail | Information |
|---|---|
| Full Name | Royal Automobile Club of Victoria (RACV) Limited |
| ABN | 44 004 060 833 |
| Insurance Distributor | RACV Insurance Services Pty Ltd (AFS Licence No. 230039) |
| Underwriter (Motor) | Insurance Manufacturers of Australia Pty Ltd (ABN 93 004 208 084, AFS Licence No. 227678) |
| Members Covered | More than 1 million Victorians (self-reported) |
| Main Motor Products | Third Party, Third Party Fire & Theft, Comprehensive, Complete Care® |
| Claims Phone Number | 13 19 03 (motor, home, boat, business, caravan claims) |
| Sales/Quotes Phone Number | 13 72 28 |
| Claims Availability | 24/7 via app, online, or phone |
| Discount Programs | Multi-policy discount (up to 10%), Years of Membership benefit, annual payment discount |
Note: Member numbers and specific discount percentages are self-reported by RACV and can change over time. Always verify current figures directly on racv.com.au before citing them formally.
What Is RACV Car Insurance, Really?
Let’s clear something up right away, since it trips a lot of people up. RACV Car Insurance isn’t actually underwritten by RACV itself — RACV Insurance Services Pty Ltd acts as the distributor, while the actual policy is issued and underwritten by Insurance Manufacturers of Australia Pty Ltd (IMA), which is part of the Suncorp Group.
Think of it like this: RACV is the trusted, familiar brand name Victorians have grown up with through roadside assistance and club membership, but behind the scenes, a separate underwriter is the one actually carrying the financial risk and paying out claims. This is a completely normal setup in the Australian insurance industry, but it’s worth knowing, since it explains why your Product Disclosure Statement and Certificate of Insurance will reference IMA alongside the RACV name.
RACV Car Insurance Online: What You Can Actually Do
A big part of what makes RACV Car Insurance Online genuinely convenient is how much you can manage without ever picking up the phone. Through the online account or the RACV App, members can:
| Task | Available Online/App? |
|---|---|
| Get a quote | Yes |
| Make a claim | Yes, 24/7 |
| View policy documents | Yes |
| Update policy details | Yes |
| Manage payments | Yes |
| Cancel a policy | Yes |
| Transfer insurance to a new vehicle | Requires a call or store visit for some changes |
Does RACV Offer Comprehensive Car Insurance?
Yes — Does RACV Offer Comprehensive Car Insurance is an easy one to answer, and it’s genuinely one of RACV’s core products. Comprehensive Car Insurance covers your own vehicle for an agreed or market value, alongside damage to other people’s property or vehicles.
Here’s a breakdown of what’s typically included:
| Coverage Element | What It Covers |
|---|---|
| Accidental Damage | Caused by accident, flood, fire, malicious act, storm |
| Theft or Attempted Theft | Covered, with some exclusions applying |
| Third-Party Property Damage | Covered for damage to someone else’s vehicle or property |
| Towing | Cost of towing to a repairer or safe place if undriveable |
| Hire Car | Up to $1,000 total for emergency transport in some circumstances, subject to conditions |
| Windscreen/Glass | No-excess options available depending on policy tier |
RACV’s Two Core Cover Tiers: Comprehensive vs. Complete Care
Beyond basic Comprehensive cover, RACV also offers a higher tier called Complete Care®, which sits above standard Comprehensive in terms of inclusions.
| Feature | Comprehensive | Complete Care® |
|---|---|---|
| Windscreen/Glass Repairs | Available as an add-on in some cases | No excess included as standard |
| Vehicle Pick-Up And Return After Claim | Not standard | Included |
| New-For-Old Replacement | Available up to 2 years old in some cases | Extended eligibility, generally up to 36 months |
| Positioning | Standard, solid cover | Higher-tier, more inclusions built in |
Does RACV Offer 4×4 Car Insurance?
If you’re wondering, Does RACV Offer 4×4 Car Insurance, the answer is a clear yes. According to RACV’s own materials, all RACV Car Insurance policies are suitable for 4×4 vehicles, whether that’s a genuine four-wheel drive built for off-roading or an all-wheel drive (AWD) daily driver.
Rather than having a completely separate “4×4 policy,” RACV lets you compare its standard cover tiers (Third Party through to Complete Care®) and choose the one that fits your 4×4’s value and how you use it. If you’re regularly taking your 4×4 off-road, it’s worth specifically asking whether off-road use is covered under your chosen policy, since standard inclusions and exclusions can vary depending on how and where the vehicle is driven.
Does RACV Offer Luxury Or Prestige Car Insurance?
Here’s another common question: Does RACV Offer Luxury Or Prestige Car Insurance? Based on industry records, including listings with the Insurance Council of Australia, RACV’s motor insurance range does include coverage categories for prestige vehicles and high-value vehicles.
For a luxury or prestige car, the agreed value option under Comprehensive or Complete Care® cover becomes especially important, since it locks in a set payout value agreed upon when you take out the policy, rather than leaving you at the mercy of a market value assessment after a total loss. If you own a genuinely high-value vehicle, it’s worth discussing agreed value specifically when getting your quote, rather than assuming standard market value cover is the default best option.
Does RACV Offer Modified Car Insurance?
For car enthusiasts, this is a big one: Does RACV Offer Modified Car Insurance? According to RACV’s own help and support materials, modifications are covered if they’re attached to your vehicle, and you generally don’t need to separately list common modifications, since they’re covered as part of the agreed or market value shown on your Certificate of Insurance.
That said, “modifications are covered” doesn’t mean every modification automatically increases your payout without prior notice. If you’ve made significant performance, cosmetic, or structural modifications, it’s genuinely worth confirming with RACV directly how those specific changes affect your valuation and premium, rather than assuming blanket coverage applies to every possible modification.
Can I Get A RACV Import Car Insurance Quote?
Yes — Can I Get A RACV Import Car Insurance Quote is answered directly on RACV’s own imported car insurance page. RACV offers a dedicated quote pathway for imported vehicles, covering a similar range of events as their standard Comprehensive policy: accidents, flood, fire, malicious acts, storm, and theft.
Getting a quote for an imported car works the same way as any other RACV Car Insurance Quote — either online or by calling their sales line. Given that imported vehicles can sometimes carry unique valuation or parts-availability considerations, it’s worth having your import documentation and any specialist valuation details ready when requesting your quote, to get the most accurate figure from the outset.
RACV Car Insurance Quote: How To Get One
Getting a RACV Car Insurance Quote is a fairly standard process. Here’s the general flow:
| Step | What Happens |
|---|---|
| 1. Provide Vehicle And Driver Details | Basic details about your car, your driving history, and who’ll be driving |
| 2. Choose Your Cover Tier | Third Party, Third Party Fire & Theft, Comprehensive, or Complete Care® |
| 3. Select Your Excess Level | Higher voluntary excess generally lowers your premium |
| 4. Review Optional Extras | Windscreen cover, hire car options, and other add-ons |
| 5. Check For Applicable Discounts | Multi-policy, Years of Membership, and annual payment discounts may apply |
| 6. Compare Annual Vs. Monthly Payment | Paying annually can offer a discount compared to monthly instalments |
RACV Car Insurance Claim: How The Process Works
If you ever need to make an RACV Car Insurance Claim, the process is designed to be accessible 24/7, whether that’s through the RACV App, online, or by phone. Here’s the general step-by-step:
| Step | What To Do |
|---|---|
| 1. Report The Incident | Lodge your claim via app, online, or phone as soon as possible |
| 2. Provide Documentation | Photos, police reports (for theft), and incident details as requested |
| 3. Choose Your Repairer | Pick from the RACV Repair Network or, in some cases, your own licensed repairer |
| 4. Vehicle Assessment | Your vehicle is assessed to determine repair scope or total loss status |
| 5. Repair Or Payout | RACV arranges repairs through a Partner Repairer, or processes a payout for a total loss |
| 6. Hire Car (If Eligible) | Available in some not-at-fault collision scenarios, subject to policy conditions |
RACV Car Insurance Claim Phone Number And Contact Details
Here’s a consolidated, verified breakdown of how to reach RACV for different needs.
| Purpose | Contact Detail |
|---|---|
| RACV Car Insurance Claim Phone Number (Motor, Home, Boat, Business, Caravan) | 13 19 03 |
| RACV Car Insurance Phone Number (Sales/Quotes) | 13 72 28 |
| General RACV Contact / Complaints | 13 72 28 |
| Repair Concerns / Authorised Repairs | 13 19 03 |
| Club Membership | 1300 501 501 |
If you’re specifically trying to reach RACV Car Insurance Contact for a complaint rather than a new claim or quote, RACV’s feedback and complaints page separates these into different categories (claims complaints vs. general policy complaints), so being clear about which type of issue you have when you call can help route you faster.
How To Cancel RACV Car Insurance
If you’ve decided it’s time to move on, here’s how How To Cancel RACV Car Insurance actually works, based on RACV’s own help and support guidance:
| Step | What To Do |
|---|---|
| 1. Log Into Your Online Account | Go to your account and select the policy you want to cancel |
| 2. Cancel Online | You can complete the cancellation directly online in most cases |
| 3. Or Call To Cancel | Alternatively, call 13 72 28 or visit a retail store to have a team member cancel it for you |
| 4. Check For Refunds | If you’ve paid annually and are cancelling partway through, a partial refund may apply |
| 5. Confirm Timing If Switching | If you’re switching providers, time your cancellation carefully to avoid a coverage gap |
RACV Car Insurance Review: What Real Members Say
Here’s where honesty really matters, and it wouldn’t be fair to only share the polished marketing version. RACV Car Insurance Review sentiment across different platforms shows a genuinely mixed, and at times sharply divided, picture.
On Trustpilot, a significant number of reviews describe frustration with long call wait times, difficulty cancelling policies, premium increases despite loyalty and no-claims history, and dissatisfaction with claims handling in some cases. On ProductReview.com.au, the picture is more mixed — some reviewers report quick, satisfactory claims experiences (such as a windscreen chip being resolved quickly), while others report frustration with premium increases after simple details like an address change.
| Review Theme | What It Means For You |
|---|---|
| Long wait times reported | Consider using the app or online options first for non-urgent matters |
| Premium increases reported after loyalty/no claims | Compare your renewal quote against other insurers annually |
| Mixed claims experiences | Simple claims (like glass repair) reported as smooth; larger or contested claims show more mixed feedback |
| Cancellation friction reported | Have policy number, ID, and account details ready before calling |
| Long-standing trusted brand recognition | RACV states it is trusted by more than 1 million Victorians |
Related Terms You Should Know
- Product Disclosure Statement (PDS) — the official document detailing exactly what’s covered, excluded, and how a policy works.
- Agreed Value — a fixed payout amount agreed upon when taking out a policy, as opposed to a market value assessment.
- Excess — the amount you pay toward a claim before insurance covers the rest.
- Third Party Fire & Theft — a mid-tier cover option protecting against fire, theft, and damage to others’ property, without covering your own vehicle’s accidental damage.
- AFCA (Australian Financial Complaints Authority) — an independent, free body for resolving unresolved financial services complaints, including insurance.
- Underwriter — the entity financially responsible for a policy, which may differ from the branded distributor, as is the case with RACV and IMA.
Conclusion: The Bottom Line On RACV Car Insurance
Here’s the honest summary. RACV Car Insurance is a well-established, Victoria-based motor insurance option, trusted by more than 1 million Victorians, offering a genuinely comprehensive range of cover — from standard Comprehensive and Complete Care® policies through to dedicated options for 4x4s, luxury and prestige vehicles, modified cars, and imports. Claims can be lodged 24/7 through the app, online, or by phone, and RACV’s own site provides detailed, transparent product information.
That said, independent reviews paint a more mixed picture than the marketing pages alone suggest, with real member feedback pointing to concerns around wait times, premium increases, and claims handling in some cases. If you’re considering RACV Car Insurance, the smart approach is simple: get a specific quote for your vehicle, read the Product Disclosure Statement in full, and compare it against a couple of other insurers before committing.
Frequently Asked Questions
1. What is the RACV Car Insurance claim phone number?
The claims line for motor, home, boat, business, and caravan insurance is 13 19 03, available 24/7 alongside the app and online claim options.
2. Does RACV offer comprehensive car insurance?
Yes, Comprehensive Car Insurance is one of RACV’s core products, covering your vehicle for an agreed or market value, plus damage to other people’s property.
3. Does RACV offer 4×4, luxury, or modified car insurance?
Yes to all three. All RACV Car Insurance policies are suitable for 4×4 vehicles, RACV’s motor insurance range includes prestige and high-value vehicle categories, and modifications attached to your vehicle are generally covered as part of its agreed or market value.
4. How do I cancel RACV Car Insurance?
You can cancel online through your account, or call 13 72 28 or visit a retail store to have a team member process the cancellation for you.
5. What do RACV Car Insurance reviews generally say?
Reviews are genuinely mixed — some members report smooth, quick claims experiences, while others report frustration with wait times, premium increases, and cancellation friction, particularly on review platforms like Trustpilot.
6. Can I get an RACV import car insurance quote?
Yes, RACV offers a dedicated quote pathway for imported vehicles, covering a similar range of events to their standard Comprehensive policy.
Thank you for reading, Samajho Bima.
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