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Freedom251 › Blog › Australia

RACV Comprehensive Car Insurance: What It Covers and What to Check

By Freedom251 Team · · 5 min read

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RACV Comprehensive covers damage to your insured car and your liability for damage to other people’s vehicles or property, with advertised protection for events including accidents, theft, malicious damage, flood, fire and storm. The cover has limits and conditions, and some useful features—such as hire-car cover after any insured event, a glass excess waiver and choice of repairer—are optional. There is no single premium that establishes whether the policy is good value: compare a quote using your own details, then check the applicable Product Disclosure Statement (PDS) and Certificate of Insurance.

What does RACV Comprehensive Car Insurance cover?

RACV’s Comprehensive product page describes cover for damage to the insured vehicle and liability for loss or damage to someone else’s vehicle or property. Listed insured-event categories include accidents, theft, malicious acts, flood, fire and storm. RACV advertises liability cover up to $20 million; the applicable policy terms determine how cover operates.

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Other advertised benefits include towing to a repairer or safe place after an incident, new-for-new replacement for eligible cars up to two years old if written off, and emergency transport and accommodation up to $1,000 total when an incident leaves the car undriveable more than 100 km from home in Australia. Personal items are covered up to $500, subject to exclusions. See RACV’s Comprehensive policy details and the applicable PDS for conditions and limits.

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Personal items and child seats

RACV’s help page gives examples of personal items that are excluded from the advertised personal-items benefit, including cash, mobile phones and tools of trade. It also describes cover for baby capsules and child seats up to $500 per item. Check the policy documents for the exact conditions and exclusions that apply to your policy.

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Is a hire car included?

Standard Comprehensive hire-car cover applies in specified situations, rather than after every insured event. RACV advertises no daily limit after a qualifying not-at-fault collision, and up to $60 per day for up to 21 days after theft or attempted theft.

An optional benefit can extend hire-car cover to other insured events. RACV describes that add-on as up to $60 per day for a maximum of 14 days, or until the car is repaired or the claim is settled, whichever happens first. These limits are distinct from the standard cover.

RACV lists fuel and tolls, damage to or loss of a hire car, liability from using a hire car, and a hire car arranged without RACV’s prior approval as examples of costs not covered. These are examples, not a complete exclusions list; consult the PDS before relying on hire-car cover.

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Which features are optional?

Hire car after other insured events

The optional hire-car benefit extends cover beyond the situations included as standard. Compare the events that qualify, daily limit and maximum duration with your likely need for transport.

Glass excess waiver

RACV offers an optional benefit under which no excess applies when only the windscreen, window glass or sunroof is damaged. Check the policy wording for the circumstances covered.

Choice of repairer

Choice of any licensed repairer is presented as an add-on. Without it, repairs are arranged through RACV’s partner repair network. Consider whether choosing a repairer matters enough to affect your decision and quote.

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How much does RACV Comprehensive cost?

RACV does not publish a single representative premium for this policy on the reviewed product pages. Your premium is quote-specific, and RACV says it can change at renewal even when you have not made a claim or your circumstances have not changed. Get a live quote for your own vehicle and drivers rather than relying on a generic price.

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When comparing quotes, keep the assumptions consistent and check:

  • Annual or monthly premium, including optional benefits you want.
  • Basic and any applicable additional excesses, including excesses that may apply to young or inexperienced drivers.
  • Whether the car is insured for market value or agreed value, and the amount offered.
  • Which drivers are listed. Adding a named driver may change the premium, and an unnamed at-fault driver may attract an additional excess.
  • What is included in the premium and what must be added at extra cost.

RACV identifies reviewing the basic excess, value basis, optional extras and listed drivers as ways to adjust cover at purchase or renewal. The exact premium effect depends on your quote. For applicable premium, excess and discount terms, use the Motor Insurance Premium, Excess and Discounts Guide; do not assume a discount or excess amount that is not shown for your policy.

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How does Comprehensive compare with RACV Complete Care?

RACV positions Complete Care as its higher tier. Its comparison describes new-car replacement within two years for Comprehensive and within three years for Complete Care. Complete Care includes hire-car cover for any insured incident, glass cover with no excess, choice of repairer, and vehicle pickup and return.

RACV advertises Complete Care hire-car cover up to $100 per day after theft or other incidents until claim settlement, and no limit after a qualifying not-at-fault collision. Conditions apply. Compare the premiums and applicable policy terms for both options; a higher tier is not automatically better value for every driver.

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How to compare RACV with another policy

Do not treat “comprehensive” as a standard set of benefits across insurers. Compare the policy documents and quotes using the same vehicle, drivers, value basis and excess assumptions. Check:

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  • Premium and basic and additional excesses.
  • Market or agreed value and the insured amount.
  • Which events qualify for hire-car cover, its daily limit and duration, and whether it is included or optional.
  • Glass excess arrangements, repairer choice and repair network.
  • Liability limit, personal-items limits, towing and emergency accommodation or transport.
  • New-car replacement eligibility and the vehicle-age window.
  • Exclusions, conditions of use and how claims can be lodged.

RACV also presents Third Party Fire and Theft and Third Party Property Damage as lower-cover alternatives. They do not provide the same own-car event coverage as Comprehensive. Compare them only if that reduced protection suits your needs.

Which RACV documents determine your cover?

The product-page summary is not the complete insurance contract. RACV says its PDS is “a legal document with the terms and conditions of your cover, such as inclusions and exclusions” and should be read alongside the Certificate of Insurance. The certificate records policy-specific details such as the policy number, effective and expiry dates, limits and premium.

RACV’s policy library lists the RACV Motor Insurance Product Disclosure Statement and Policy Booklet — July 2026 for Comprehensive, Third Party and Motorcycle Insurance. The library says this edition applies to policies starting from 14 July 2026 or renewing effective from 17 August 2026. It also lists the Motor Insurance Premium, Excess and Discounts Guide — January 2026, applying to policies starting from 29 January 2026 or renewing from 12 March 2026. Match the document edition to your policy’s start or renewal date; if dates or terms are unclear, confirm with RACV.

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How do I check my cover or make a claim?

RACV says you can check your policy summary, limits, extras and sum insured in the app or online account. Use your Certificate of Insurance as the policy-specific reference, and check the PDS for the terms behind those details.

RACV accepts claims 24/7 through its app, online or by phone on 13 19 03. It asks claimants to prepare the incident time, witness contacts and details of other drivers, and to include incident photos. For towing after covered damage, RACV says the vehicle must be unable to be driven for towing to a repairer to be covered; check the applicable policy wording for the circumstances and limits.

Product prices and availability are accurate as of the date/time indicated and are subject to change. Any price and availability information displayed on Amazon at the time of purchase will apply.

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