RACV Car Insurance: Comprehensive Review Coverage and Customer Feedback

RACV Car Insurance Review: Comprehensive Coverage and Customer Feedback

When it comes to car insurance, RACV is a well-known name in Australia, particularly in Victoria. This review will explore RACV Car Insurance, highlighting its comprehensive coverage options, benefits, customer feedback, and areas for improvement. Whether you’re a seasoned driver or new to the road, this information will help you decide if RACV is the right choice for you.

Overview of RACV Car Insurance

RACV Car Insurance offers a range of policies designed to meet diverse needs. Their standout product, Complete Care Car Insurance, provides extensive coverage, allowing policyholders to choose their excess amount and preferred repairer. In case of a total loss, RACV pays the agreed value, ensuring you’re not left financially short. This policy also includes up to $1,000 for personal property damaged or stolen, and rental car costs covered for an unlimited period after theft or a not-at-fault accident​ (Mozo Compare)​.

Comprehensive Coverage Options

One of the main attractions of RACV Car Insurance is its comprehensive coverage. Here are some key features:

  • Choice of Excess: Policyholders can choose an excess amount from $0 to $2,000, giving flexibility in managing premiums.
  • Agreed Value Payout: In the event of a total loss, you receive the agreed value of your vehicle, ensuring financial stability.
  • Personal Property Cover: Up to $1,000 for personal items damaged or stolen in an insured event.
  • Rental Car Cover: Unlimited rental car coverage after theft or not-at-fault accidents, with a daily limit of $100.
  • Pet Accommodation: Up to $50 per night for pet-friendly emergency accommodation if you’re stranded more than 100 kilometers from home​ (Mozo Compare)​​ (RateCity.com.au)​.

Discounts and Benefits

RACV offers several discounts and benefits to make their policies more attractive:

  • Multi-Policy Discount: A 10% discount if you bundle your car and home insurance policies.
  • Loyalty Discounts: Long-term customers can receive up to 20% off, rewarding loyalty and continued business.
  • No-Claim Bonus Protection: Your no-claim discount is protected even after a no-fault claim, provided you’ve held the maximum no-claim discount level for the past year​ (Mozo Compare)​​ (RateCity.com.au)​.

Customer Feedback

Customer feedback is crucial in understanding the real-world performance of an insurance provider. RACV Car Insurance has received mixed reviews from its customers. Here are some common themes:

Positive Experiences:

  • Responsive Customer Service: Many customers appreciate the helpful and responsive customer service team. Whether managing policies online or resolving issues over the phone, the support staff is often praised for their professionalism and efficiency.
  • Ease of Claims Process: Several policyholders have reported a smooth claims process, with quick and fair settlements. This ease of handling claims contributes significantly to customer satisfaction.
  • Flexible Coverage Options: The ability to choose the excess amount and repairer gives customers a sense of control and personalization, which many find appealing​ (RateCity.com.au)​.

Areas for Improvement:

  • High Premiums: Some customers find RACV’s premiums to be higher than those of competitors, particularly for younger or inexperienced drivers. It’s essential to weigh these costs against the comprehensive coverage and benefits provided.
  • Claim Processing Time: A few users have reported delays in the claims process, which can be frustrating, especially during stressful situations.
  • Online Platform Usability: While many users find the online platform convenient, some feel it could be more user-friendly and intuitive​ (Mozo Compare)​​ (RateCity.com.au)​.

Key Benefits

RACV Car Insurance offers several key benefits that set it apart from other providers:

  • Choice of Repairer: You can select your trusted repairer, ensuring quality service and peace of mind.
  • Agreed Value Payout: This feature ensures you’re paid the agreed value of your car in case of a write-off or theft, providing financial certainty.
  • Personal Property Cover: Coverage of up to $1,000 for personal items adds an extra layer of protection.
  • Rental Car Cover: Unlimited rental car coverage after theft or not-at-fault accidents ensures you’re never without a vehicle.
  • Pet Accommodation: Coverage for pet-friendly emergency accommodation is a unique benefit for pet owners, providing up to $50 per night if stranded away from home​ (Mozo Compare)​​ (RateCity.com.au)​.

Areas for Improvement

While RACV Car Insurance has many strengths, there are a few areas where it could improve:

  • Premium Costs: Premiums are on the higher side, particularly for younger or inexperienced drivers. Potential customers should consider if the comprehensive coverage justifies the cost.
  • Claim Processing Time: Some customers have experienced delays in claim processing, highlighting an area for potential improvement.
  • Online Platform Usability: Enhancing the user experience on their online platform could make managing policies and claims more convenient for customers​ (Mozo Compare)​​ (RateCity.com.au)​.


RACV Car Insurance offers robust coverage options tailored to meet various needs, especially for those residing in Victoria. The flexibility in choosing your excess and repairer, coupled with attractive discounts and benefits, makes it a competitive choice. However, potential customers should consider both the positive and negative customer experiences to make an informed decision.

If you’re looking for comprehensive car insurance with added benefits like pet accommodation, RACV could be the right fit for you. Ensure you compare their policies and premiums with other providers to find the best option for your needs.

For more detailed information on policies and customer experiences, visit Mozo and RateCity.

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