RACV Comprehensive car policy
Issued by IAG. Insure vehicle to market value or agreed value. Choice of repairer is optional extra. Available in Victoria.

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Recommended
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We pick policies with the highest CHOICE Expert rating that score well for cover and price.
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CHOICE Expert Rating
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The CHOICE expert score is based on our assessment of price and what the policy covers. It's made up of 60% cover score and 40% price score. A higher score is better. N/A means a price score wasn't available for this policy.
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Cover score
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The score is made up of incident cover like emergency accommodation and transport and hire car (25%), insured events and legal liability (10%), new car replacement (15%), additional benefits like choice of repairer, windscreen cover, roadside assistance (25%), personal property cover (10%), Sum insured value and excesses (15%)
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Price score
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The higher the percentage score, the cheaper the policy compared to other products. This score is across all policies Australia wide, but premiums can differ a lot depending on where you live. Check the $ price rating for your region or state in our comparison table to find a closer price indication for your home. "N/A" means the insurer doesn't operate here, or doesn't participate in the premium sharing program we use to collect pricing data.
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Claims satisfaction
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We surveyed customers to ask them about their claims experience with the insurer. This score represents the percentage of people who rated their experience as above average or excellent. N/A means there was no result for that insurer. This score does not contribute to the CHOICE Expert Rating.
- 66%
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Customer satisfaction
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We surveyed customers to ask them about their overall experience with the insurer. This score represents the percentage of people who rated their experience as above average or excellent. N/A means there was no result for that insurer. This score does not contribute to the CHOICE Expert Rating.
- 64%
- Insurer
- RACV
- Policy
- Comprehensive
- Insurance provider
- Insurance Manufacturers of Australia Pty Ltd
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About the insurer
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Find out what you need to know about this insurer.
- <a href=https://www.choice.com.au/racv>RACV</a>
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Good points
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- Poor score for additional excesses
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Good points
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- • Optional choice of repairer<br>• Agreed value available<br>• Very good score for new car replacement<br>• Very good score for accommodation and transport when away from home<br>• Excellent score for hire car after not at fault incident<br>• Excellent score for optional reduced excess on glass claims<br>• Excellent score for child seats
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Cooling off period
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The cooling off period is the time after purchasing when you can cancel your policy without penalty.
- 21 days
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How your car is valued
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Whether the car can be insured for an agreed value, or whether it is insured for market value only.
- Choose agreed value or market value
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Same price to pay monthly
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A tick means this insurer doesn't charge a fee for paying monthly. A cross means this insurer imposes an extra administration fee for paying monthly. This is sometimes described as a discount for paying annually, but it amounts to the same thing.
- No
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ACT price comparison
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The fewer dollar signs, the cheaper the policy compared to other products available in the state. "N/A" means the insurer doesn't operate here, or doesn't participate in the premium sharing program we use to collect pricing data.
- N/A
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NSW price comparison
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The fewer dollar signs, the cheaper the policy compared to other products available in the state. "N/A" means the insurer doesn't operate here, or doesn't participate in the premium sharing program we use to collect pricing data.
- N/A
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NT price comparison
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The fewer dollar signs, the cheaper the policy compared to other products available in the state. "N/A" means the insurer doesn't operate here, or doesn't participate in the premium sharing program we use to collect pricing data.
- N/A
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Queensland price comparison
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The fewer dollar signs, the cheaper the policy compared to other products available in the state. "N/A" means the insurer doesn't operate here, or doesn't participate in the premium sharing program we use to collect pricing data.
- N/A
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SA price comparison
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The fewer dollar signs, the cheaper the policy compared to other products available in the state. "N/A" means the insurer doesn't operate here, or doesn't participate in the premium sharing program we use to collect pricing data.
- N/A
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Tasmania price comparison
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The fewer dollar signs, the cheaper the policy compared to other products available in the state. "N/A" means the insurer doesn't operate here, or doesn't participate in the premium sharing program we use to collect pricing data.
- N/A
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Victoria price comparison
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The fewer dollar signs, the cheaper the policy compared to other products available in the state. "N/A" means the insurer doesn't operate here, or doesn't participate in the premium sharing program we use to collect pricing data.
- N/A
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WA price comparison
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The fewer dollar signs, the cheaper the policy compared to other products available in the state. "N/A" means the insurer doesn't operate here, or doesn't participate in the premium sharing program we use to collect pricing data.
- N/A
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Cover for personal property
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Cover for your belongings inside the vehicle if it is stolen or damaged. Usually excludes cash or cards.
- Up to $500
Covers personal items -
Cover for child seats
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Cover for child seats, baby capsules, etc.
- Up to $500 per item
Covers child seats and baby capsules -
Cover for keys
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Cover for replacing and recoding keys. Most insurers only cover this after theft, but some also cover lost keys.
- Up to $1000
Covers replacing and recoding keys, locks and barrels
Available after theft of keys -
Cover for trailers and caravans
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Cover for damaged or stolen trailers. Some insurers include caravans in this benefit. Trailers usually have to be under a size limit, and they're often only covered up to their market value.
- Up to $1000
Covers trailers and caravans -
Accommodation and transport when far from home
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If you're on the road and need to make a claim, your insurer might cover the costs of accommodation and transport to get you home or to your destination.
- Up to $1000 overall
Covers temporary accommodation for you, your passengers and domestic pets, or transportation for you, your passengers and domestic pets to your home or (if insurer agrees) another destination
Also covers transportation of vehicle from repairer to home, or from incident to a repairer near your home
Available if vehicle is damaged and cannot be driven as a result of a covered incident
Must be at least 100km from home -
Transport costs
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Cover for the cost of a taxi (or similar) from the scene of an accident, then to/from the hire car company and repairer.
- No
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Towing after an incident
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Cover for towing from the scene of an incident.
- Covers one tow to nearest authorised repairer or safe place recommended by insurer (if there are multiple tows, insurer decides which to cover)
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New car replacement
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If your car is written off in the first few years, some insurers will replace it with a similar new model.
- Covered for total loss within 24 months of purchase
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Reduced excess on glass claims
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Because replacing damaged glass often costs less than your excess, insurers may waive or reduce the excess for windscreen and window claims. Note the difference between repairs and replacements, as not all policies offer a reduced excess for replacements.
- Optional
$0 excess
Covers windscreen, sunroof and window glass -
Roadside assistance
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Roadside assistance can help you in the event of a breakdown, which your car insurance doesn't cover you for. Some insurers offer it as an optional extra, while others have it included by default with their policies. Some sell roadside assistance plans to the general public.
- Sold separately
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Rental car after theft
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Cover for hire car costs if your vehicle is stolen (or damaged after attempted theft). Cover usually runs until your car is returned or the claim is settled as a total loss.
- • Covers a hire car (insurer will "do our best" to arrange one that meets your needs)<br>• Available for up to 21 days<br>• Up to $60 per day<br>• Up to $2000 for excess or security bond
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Rental car after not-at-fault incident
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Cover for hire car costs if your vehicle can't be safely driven after being damaged in an incident where you are not at fault. Cover usually runs until your car is repaired or the claim is settled as a total loss.
- • Covers a hire car (insurer will "do our best" to arrange one that meets your needs)<br>• Available until claim settled<br>• Up to $2000 for excess or security bond
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Rental car after any incident
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Cover for hire car costs if your vehicle can't be safely driven after being damaged in any claimable incident. Cover usually runs until your car is repaired or the claim is settled as a total loss.
- • Optional<br>• Covers a hire car (insurer will "do our best" to arrange one that meets your needs)<br>• Available for up to 21 days<br>• Up to $60 per day<br>• Up to $2000 for excess or security bond
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Cover for theft, collision, hail, storm, flood, fire, malicious damage and vandalism
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The basic insured events most policies cover.
- Yes
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Legal liability
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Cover for damage you cause to others' property with your car. Some insurers also cover liability for injury and death to other people in cases where your compulsory third party injury insurance does not.
- $20 million