RACV Car Insurance

RACV does not respect privacy. I had a message to call a certain person handling my complaint. Someone answered and advised before transferring me, they need my full name, Address and date of birth. I advised I will not do it until I speak to the person allocated to my matter. Then I am told that person is not in today. I said then why am I giving… Read more

you all my details and you waste my time if the person is not in. The person from RACV hung up. RACV has no respect for clients.

My experience with RACV's claims process was extremely disappointing. I lodged my motor vehicle claim on 16 May 2026. The vehicle remained under assessment for approximately a month, and throughout that time I received no communication or updates from RACV regarding the progress of my claim. No one contacted me to request any additional… Read more

documents during the assessment period. Instead, these were only requested after I followed up myself, resulting in further unnecessary delays.

Due to the lack of progress, I lodged a formal complaint on 17 June and was advised that I would receive a response within four business days regarding the claim decision. That timeframe passed without any contact or update. In the end, it took almost two months for my claim to be settled as a write-off.

The overall lack of communication, repeated delays, and failure to provide timely updates made an already stressful situation far more frustrating than it needed to be. Based on my experience, I expected a much higher standard of customer service and claims management from RACV.

After discovering agreed value had been adjusted by sum 11 thousand dollars l was able to come to an agreement on the new policy amount l am still waiting on a hard copy of the policy after more than 20 days Show details

I was hit by another car in June. I have had to contact the insurance company each time. Waiting on the phone for an hour at a time. The back of my car is stuck since the accident. It is very hard to shut and l have hurt my wrist & shoulder at times… Read more

closing it. I also have concerns it won't shut properly and fly open to cause damage to someone whilst l drive. The car can not be fixed until September by RACVs recommend panel repairs. I am avoiding driving as l have a neuropathic pain condition and am unable to easily or safely open the back of my car to load shopping. RACV have refused to provide a rental car as my car is "Still driveable". I have paid insurance for years and have never made a claim. SHAME on you RACV for the lack of interest, care for your customers. This has been a very difficult experience that was made worse by your lack of care. I will be looking at other car insurance companies because of this experience.

Useless – Hit a roo. Had to ph multiple times. Eventually got onto their very lengthy claims process. Had pets on car. Still waiting 1 & 1/2 hrs later endlessly on hold. Roadside assist won't help assess if your car is drivable after an impact. Waste of… Read more

money. They can't even organize my hire car.. After telling me to leave my fully packed car with my pets inside on the side of a country road for 2 days while they organized a tow truck I gave up and managed to limp the car to the nearest town. 3 weeks later still no word from their assessor and as I've found a trusted panel beater to do the repairs will be withdrawing this claim. Pretty pointless paying for insurance that's of no use. None of the established panel beaters in this area will work with RACV.

I had my Motorcycles insured with Swan insurance for many years I got a letter that RACV had taken over all Motorcycle insurance from Swann Insurance I contacted Swann Insurance insurance and they gave me the details of RACV to contact as they… Read more

mentioned that all the Motorcycle policies have moved to RACV and they connected me to the RACV CUSTOMER CARE When I spoke to RACV CUSTOMER CARE they mentioned that all the Motorcycle insurance policies have been moved to RACV but they don’t have any details about any of my insurance policies which was due for renewal and they mentioned not to worry about it as all the insurance policy and the premium remain the same. I get a letter in the mail that my motorcycle insurance has been lapsed for more than a month and I need to renew it ASAP. When I call RACV, I spoke to a gentleman called [Name Removed].. To confirm my ID he asked for the verification code he had sent on my mobile number which I did not receive and he said that he cannot help me because I don’t have the code and when I asked him what mobile number does he have on his record he said he can’t mention that!!!! neither could he mention my details He asked me to go to an RACV shop and prove my identity that I am who I am and then only they will renew my insurance!!!!! My grievance is that I have been riding my motorcycles without insurance for the last 40 days whereas RACV did not contact me by phone or email that my insurance is due and when I did call them to renew my insurance, they created so many hassles that I have to go to RACV shop personally and deal with them when I said to [Name Removed], please connect me to your manager. He put me on hold for at least 20 minutes until I had to hang up. Very terrible customer service. Very terrible system to confirm or verify a customer who is happy to PAY FOR RENEWAL They lost customer and made someone very UNHAPPY I called another insurance company within 20 minutes. I was insured with both the motorcycles. Beware when you’re dealing with RACV insurance and their customer service verification process !!!

The online quoting system of RACV is first class. I have had it with companies that you call up and spend thirty minutes and get nowhere. Within a couple of minutes I did my online quote form and came out with a $400 savings. It was clear and up front with imp[ortant information needed for me to then complete the whole process. Show details ·  1

I thought the value of my policy was a bit expensive as the car is a year older yet the premium has gone up over $260 from last year and I am a Gold Member of RACV Show details ·  1

I was very happy with the RACV Insurance team that helped with Business insurance on a new vehicle. Compared to previous quotes, the price was better and felt that the RACV team member made a thorough analysis of my insurance needs. The multi policy discount is also a nice saving. Show details ·  1

Absolute terrible service. My car was contaminated with dirty fuel. It took 2 months for two assessors to decide to write the car off. No hire car for a month. No fuel sample taken. No quotes to repair No real effort to get service station to say they were at fault. Told I had to pay excess because it was like a tree falling on my car(act of… Read more

god). Virtually saying it was my fault I put contaminated fuel in my car. Tried to pay me out on wrong policy date which they corrected after I told them of their error Very unprofessional in every way and would recommend people to change insurance companies as they don’t care.

Greg Davis

I have been loyal to RACV since 1987, but I'm finding that you're now about to price me out of your product. It's very disappointing because I've always trusted the RACV brand. Show details

Do not think good value, given $$ has doubled in 4years. One small no fault claim 2yrs ago, no others in 20+ yrs (Gold member). Maybe indicative of car thefts etc in Victoria. Show details

Very friendly, efficient & helpful. If your computer nerds are going to make leaving a review difficult… forget it! I received the invite by text, why can’t I reply in SMS? Why must my review be more than 10-words?!? Your product was great, your Review is presumptuous Show details ·  1

I was having trouble navigating their online website so I called customer support and spoke with a lovely woman (Dianna) who stayed on the phone with me while I filled things out. Thank you RACV for having such wonderful staff and support Show details ·  1

Policy Comprehensive Car Ins taken out 2025 for agreed value $10,000.Now same policy paid in 2026,agreed value has dropped to $9,600.i thought the agreed value would remain the same every year.Will review policy next yr whether to continue with the policy. Show details ·  1

I have had the absolute best customer service from RACV. Had a little prang in my car, my fault, and I hardly had to speak with them and the whole process was seamless from beginning to end. Chose my own repairer, cab trips paid for immediately and I cannot fault their service at all. Excellent from start to finish. Car fixed in three days. Also… Read more ·  1

another time RACV waived an insurance payment for my son who couldn’t afford that instalment. I am now a lifetime RACV member because of their care. Been with them for car roadside assist for 40 years and insurance about 5 years. Brilliant work RACV!

My problem is not with the insurance but the fact that there is only one panel beater RAC the insurance about 10 minutes out of Hamilton or I have to travel to Portland if I have an accident and then there is a six-month waiting period. And I don't like the idea of a 13 number and it takes forever to work out with number I have to press and then I have to wait anyway. And I would like an RACV card to make it easier to use when shopping. Show details ·  1

The insurance premium increases every year due to factors beyond my control. Due to Victoria having the highest rate of car theft the premiums increase. My car is garaged behind security gates with 24/7 CCTV coverage. I would have that would keep the premium lower. Disappointed it did not. Show details ·  1

I have been an RACV customer for around 20 years and have always paid my premiums on time, which is why I was extremely disappointed with how this matter was handled. I was not informed that my insurance policy had lapsed after RACV retained incorrect card details when I updated my payment information. It later became apparent that RACV had… Read more

recorded the wrong card details and was charging another customer's card for my insurance premiums.

It took approximately three months before I was notified of the issue, and the only communication I received was a message advising that I needed to make an immediate payment or my insurance would be cancelled.

When I contacted RACV, I spoke with a representative named Sonny (or Sunny), who was argumentative and unhelpful. I was made to feel as though I was trying to avoid payment, despite my long history as a loyal customer.

The matter was later escalated through Donelle, and while RACV investigated the situation, I was disappointed that the outcome still appeared to suggest that I had attempted to avoid paying my premiums. This is simply not the case. The issue arose because RACV had incorrect payment details recorded and had been processing payments against another customer's card.

Rather than acknowledging the error and the inconvenience it caused, I felt that the focus remained on questioning my intentions. As a customer of around 20 years, I expected a far higher standard of service and communication.

Although I have renewed my policy for the time being, this experience has significantly damaged my confidence in RACV. As a result, I will be looking at alternative providers for my car, home and business insurance in the future.

Affording insurance has always been a struggle throughout my life & even more particularly as i am the only wage earner in the house I chose RACV because despite the expense when things have gone wrong they have responded with good support I choose third party fire & theft because justifying comprehensive insurance for cars that aren’t new means… Read more ·  1

sacrifices that i can’t afford It is disappointing that i now have two cars insured with you but one costs more than the other i fear loyalty is dying within our society That is probably my biggest concern but this seems to be something we have grown to accept it’s all about grabbing the next customer What i will say with the way our government is handling youth crime not having insurance means risking your livelihood over an unaccountable society we’ve now become

Bought second hand Mercedes SUV and full insurance was crazy high. It's ironic how vehicles that have all imaginable safety systems installed and are probably safer on the road then most cars, insurance cost double the amount then normal car. Needless to say, I got 3rd party, theft and fire at the end. Just couldn't justify to pay almost 1/6th of… Read more ·  1

value of car just for the insurance. Haven't had a claim in years, so can't comment how good, or bad RACV is when it comes to fulfilling the promise of help when you most need it.

Out of Youi & Budget Direct, RACV was has the best Comprehensive Insurance for 2026 coming from a 66 years old Queen. It's simple & I will get my Family Household 3 Cars onto this softly! Best savings out of the other Car Insurance companies. I will recommend this to all my Zumba Team & Church Aunties! Thank you RACV! Show details ·  1