RACV Car Insurance – The Royal Automobile Club of Victoria (RACV) is a membership-based organization that offers a range of products and services to its Victorian residents. These services include travel, home, and car insurance. The club was founded in the year 1903 and has now become the largest membership organization in the state, with more than two million members.
The complete auto insurance policy from RACV provides outstanding post-accident care in addition to coverage for accidents and break-ins. In case of a write-off, the policy can replace your car, subject to exact criteria. RACV car insurance is highly recommended for Victoria residents. Moreover, once a member joins RACV, any insurance premiums and other costs are refunded to them as complimentary extras and discounts.
What car insurance policies are available through RACV?
The Royal Automobile Club of Victoria (RACV) offers four (4) types of car insurance, and they are as follows:
Complete Care Car Insurance
RACV’s Complete Care insurance package is the highest level of coverage offered by the company. It includes all the features of the Comprehensive Car Insurance plan and additional inclusions and benefits, like;
- Emergency accommodation for up to 10 nights, with a maximum of about $150 per night. This is for insured incidents that happen more than 100 km from home.
- Taxi fares up to about $500 in total to return home from the accident scene or to go to repairers/hire car providers.
- Personal item protection up to about $1,000 for stolen or damaged items during an insured event.
- Hire car coverage up to about $100 daily in the event of car theft or accident until claim settlement or car repair.
- Agreed value car insurance, which makes sure there is clarity on the coverage amount.
- Vehicle pickup and return costs to a fixer for insured accidents, in addition to the agreed value coverage.
- An explanation of repairs made by an assessor after official repairs on your car.
- Windscreen cover with no excess for replacement or repair of damaged windscreen, windows, and sunroofs during covered events.
Comprehensive Car Insurance
Comprehensive car insurance offers wide coverage, which provides greater peace of mind when on the road. RACV’s Comprehensive Car Insurance plans are as follows:
- Coverage for loss or damage to your vehicle caused by accidents, theft, fires, floods, malicious acts, storms, or attempted theft.
- Up to about $500 coverage for personal items that are stolen with your vehicle or damaged in an incident, with some exclusions.
- Hire a car for repairs, unsafe driving, or theft, with a daily fee of $60 for 21 days.
- Emergency repairs to your vehicle following an incident so that you can get back on the road (about $800).
- A new replacement vehicle if your car is not up to two years old and is written off, subject to claim approval.
- One tow for an incident where your vehicle can’t be driven or is unsafe to drive.
This policy covers licensed drivers, including learners, with permission to drive your vehicle, with potential excess for inexperienced or under-25-year-olds.
Third-Party Fire and Theft Car Insurance
This type of insurance policy offers coverage for damage caused due to theft and fire and also covers damage to other vehicles and property. RACV’s Third Party Fire and Theft Car Insurance offers the following benefits that are listed below:
- Liability coverage of about $20 million for unintentional damage caused to someone else’s vehicle or property.
- Limited coverage of about $5,000 for damage to your vehicle if you are not at fault in the collision, the other driver is uninsured, and you can run their details.
- About $10,000 in coverage for damage or loss to your vehicle caused by fire, theft, or attempted theft.
- One tow from the accident site to a repair shop or a safe location.
- A hire car for about 21 days in case of theft or attempted theft, where you are unable to drive your vehicle.
Any licensed driver with a learner’s permit and permission to drive your vehicle will be covered. However, there may be an additional excess for inexperienced drivers or those below 25.
