Comprehensive Car Insurance Victoria quotes
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Save up to 10% on RACV Car Insurance when you take out two or more eligible insurance policies*
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What’s Comprehensive Car Insurance?
Comprehensive Insurance offers protection to help cover costs in the event of an accident. Regardless of who is at fault, you and anyone permitted to drive your vehicle, will be covered for collision damage to your vehicle and other people’s property.^
Go with the standard inclusions, or add optional extras to suit your needs and budget — like hire car cover, windscreen cover with no excess or pick your own licensed repairer.¹
Key benefit
Hire car cover if your vehicle can’t be driven after a not-at-fault collision until it’s repaired, or your claim is settled. The name and address of the driver at-fault has to be provided to RACV Insurance.
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More than just great cover
24/7 claims helpAustralian-based consultants are always here to help.
Your choice of excessLower your premium by choosing a higher excess on Complete Care® and Comprehensive policies.
Cover for additional driversAny licensed driver who meets the underwriting criteria will be covered when driving your car.^
Pay annually or monthlySave on the price of your premium when you pay annually.†
Loyalty discountThe longer you're a Member, the greater your discount on selected products with our Years of Membership benefit.*
Multi-policy discountsTake out two or more eligible policies and save up to 10% on each – including home and motor insurance.*
Feel at ease on the road with RACV Comprehensive Car Insurance
What does RACV Comprehensive Car Insurance cover?
Included Not included Optional extrasRACV Comprehensive Car Insurance offers cover for a range of events. Here’s a summary of what’s included:
Loss or damage to your vehicleCaused by an accident, flood, fire, malicious act, storm, theft or attempted theft.
Up to $500 for personal itemsIf they’re stolen with your vehicle or damaged in an incident. Some exclusions apply.
Hire car after a not-at-fault collisionIf your car cannot be driven until it is repaired, or your claim is settled. The at-fault driver’s details must be provided.
New for new replacement vehicleWhere available if your vehicle is up to 2 years old and RACV Insurance considers it to be a total loss and agrees to pay your claim.2
Liability cover up to $20 millionFor damage to someone else’s vehicle or property.
Any licenced driver (including learners)With permission to drive your vehicle, that meet underwriting criteria, can be covered. Additional excess may apply to inexperienced drivers or drivers under 25.
This is only a summary of the inclusions for RACV Comprehensive Insurance. For more information, such as conditions, limits and exclusions, please read the Product Disclosure Statement.
Compare Complete Care® and Comprehensive insurance
Complete Care®
Any driver with a valid licence (including learners) and permission to drive your vehicle will be covered. Additional excess may apply to inexperienced drivers or drivers under 25.
Cover for the cost to repair or replace your damaged windscreen, windows or sunroof - without needing to pay an excess, following an insured event.
Cover for the cost of a hire car if you can't drive your vehicle (excluding a motorcycle) after a collision where you're not at fault, and you've provided the at-fault driver's details.
Cover for the cost of a hire after the theft or attempted theft of your vehicle.
Cover for the cost of a hire car if you can't drive your vehicle after a collision where you're at fault.
Comprehensive
Any driver with a valid licence (including learners) and permission to drive your vehicle will be covered. Additional excess may apply to inexperienced drivers or drivers under 25.
Cover for the cost to repair or replace your damaged windscreen, windows or sunroof - without needing to pay an excess, following an insured event.
Cover for the cost of a hire car if you can't drive your vehicle (excluding a motorcycle) after a collision where you're not at fault, and you've provided the at-fault driver's details.
Cover for the cost of a hire after the theft or attempted theft of your vehicle.
Cover for the cost of a hire car if you can't drive your vehicle after a collision where you're at fault.
See other car insurance options
Third Party Fire and Theft
Cover if your car is damaged by fire or stolen. Plus, for unintentional collision damage to other people’s property and vehicles.
Third Party Property Damage
Basic cover for unintentional collision damage to other people’s property and vehicles.
Make a claim or manage your policy
Frequently asked questions
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Tips and advice for your car
* 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.
^ Additional excess applies to drivers under 25 or with less than 2 years' driving experience
1 Complete Care® and Comprehensive policies only.
2 If you purchased a new or demonstrator vehicle weighing less than 2.5 tonnes, RACV Insurance considers it 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.
† Comprehensive, Third Party and Third Party Fire and Theft policies only.
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.
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