1,068 reviews
- <10 minutes
- ·
- <1 hour
- ·
- <1 day
- ·
- <1 week
- ·
- 1-2 weeks
- ·
- 3-4 weeks
- ·
- 1-2 months
- ·
- 3+ months
- ·
- Never
AI reviews summary
Pros
Cons
Verdict
Overall sentiment regarding RACV Car Insurance is mixed, featuring a clear divide between long-standing members experiencing frustration and customers securing favourable rates. While many policyholders praise the helpful staff, competitive bundling options, and straightforward digital quoting, a segment of reviewers expresses strong dissatisfaction with substantial yearly premium increases. Additionally, experiences during the claims process vary, with some reporting efficient resolutions while others highlight communication hurdles and repair delays.
Reviews with attachments
Nathan at call centre very good , feel rude in cost from last year very high but am long time member Show details · 1
Would give me an extra year of total replacement and cost no extra to pay by the month it also has extra benefits compared to others. Show details · 1
WARNING FOR PRESTIGE & LUXURY CAR OWNERS: if you expect service and for RACV to honour there own policy then sadly this will not happen. Go with another insurer and ensure you don't waste your time, effort and money. RACV 5-Month Repair Delay & Shifting Goalposts (Case 7139118) If you own a luxury vehicle or a high-end European car, think twice… Read more
before insuring with RACV. I am currently locked in an AFCA dispute with them following a no-fault accident involving my 2023 Maserati Grecale, and their handling of this prestige car insurance claim has been a masterclass in terrible responsiveness, wasted effort, and bad faith. Over an agonizing 5-month delay, RACV has constantly changed their mind and moved the goalposts:
Phase 1: They completely denied my entitlement to an accident hire car.
Phase 2: Once I forced them to read their own PDS policy wording, they shifted tactics and offered a cheap, low-tier rental vehicle that was completely insulting and nowhere near a like-for-like replacement for a luxury SUV.
Phase 3: Meanwhile, their authorized repairer left my luxury vehicle unroadworthy—explicitly logging in their system on 31/03/2026 that my front bumper was literally 'held on with cable ties', yet telling me it was fine to drive.
The ultimate exposure of their terrible customer service came via an AFCA formal file disclosure. RACV’s own internal audit logs ('Document 8') reveal that on 16/04/2026, senior staff internally admitted I was legally entitled to a full like-for-like hire car vehicle entitlement—a market liability exceeding $52,000 for the loss of use. Despite writing this down internally, they kept hiding it from me externally, maintaining a pathetic 'goodwill' offer of just $1,000.
The amount of personal time and effort wasted chasing their claims team has been exhausting. They deliberately let a reasonable $15,000 compromise deadline pass at 5:00 PM on Friday, May 15. Pathetic.
12-Year Member: Dispute over 11,000km Stolen Vehicle Valuation After 12 years with RACV, I am currently in a dispute over the valuation of my vehicle, which was stolen from a secure car park with only 11,000km. The Facts: 1. Avoidance of Accountability: Management is conducting high-stakes settlement calls via mobile phones rather than recorded… Read more
company lines. This bypasses the standard consumer protection and transparency protocols RACV members expect.
2. Negligence in Evidence Review: My valuation rebuttal was rejected by an Assessor who admitted - on the phone - to not having read my email with the evidence. This was further compounded by the Assessor clearly distracted by a loud TV in the background while discussing my assessment.
3. Accusatory Environment: The Assessor used the fact that the theft occurred only 6 weeks after the 'New-for-Old' policy cut-off to suggest I was over-inflating my valuation to essentially 'get a new car. This was used to deflect from the actual market data I presented.
4. Managerial Coercion: Upon escalating to a Senior Assessor, the tone became dismissive and unprofessional. I was addressed as 'Mate' and repeatedly interrupted. Most concerning was the use of an overt pressure tactic: stating the original offer was lucky, because the Senior Assessor would have offered even less.
5. Flawed Valuation Logic: They are using a +/- 20,000km comparison range (my car has 11,000km) and averaging the value of non-comparable vehicles. This is an attempt to lower the value by diluting it with irrelevant data.
Bottom Line: Beware if you own a low-km vehicle, RACV may use unprofessional behaviour and unrecorded phone calls to pressure you into a low settlement.
Hi Matt, thank you for reaching out and letting us know. We… Read more
Excellent, excellent service – I just made a claim via the telephone with an operator called Linda. It has been a long time since I’ve been so impressed with the level of professionalism, understanding, care and Genuine empathy that Linda provided me. I’d like to congratulate RACV in the way you train your staff and wish more companies in Australia would have your high… Read more · 2
standards. I am a loyal RACV member and use of a lot of your services and I’m so happy that I do. Keep up the good work. Thank you
Latest follow-ups
RACV increased my premium by 60% at renewal this year. I made no claims, still live at the same address, barely do 100kms a week, am older, car is worth less. Their justification for the price rise was the usual "it could be due to multiple… Read more
factors".
Been with RACV for many years, but even when I read out a competitor's quote that was $600 less than the "best discount" they could offer, they still didn't want to budge and keep me as a customer.
I have 3 cars and a house that will be insured elsewhere now.
The customer service representative was polite and did his job to the best of his ability, but the system just wouldn't budge.
Follow-up · RACV quote was 1600. Competitor was 950.
Hi Ben, we’re sorry to hear that your expectations haven't… Read more
Before paying my renewal visited Fount Gate office discussed if can review policy as retired car in garage at all times. Drive low yearly low kms. Got policy reduced by nearly $70 in these times was good outcome. Show details · 1
Follow-up · As explained situation as retired and home most days nights car garaged and the advisor went thru his processes and reduced premium. The advisor very professional and listened to my issues. Need get quote from another company but stuck with RACV as when reading other company review many have claim issues or concerns.
5/8/26 - went to pay our renewal for 3rd party for a car we have had insured with racv for many many years - price = $187.56c. But I thought I would do a check & got a different price of $170.84. - so, I rang & the staff member came up with a price… Read more
of $170.49c - as a result a new policy is being done & the one I received being cancelled - also it is being sent via post, I did not have to pay then on the spot as I have been told in the past over another issue. I would like to say the staff member was helpful - I have no issues with that interaction - I advised I was recording & had no refusal so well done to that member. I asked for this to be sent upstream for investigation. Now - this is a disgusting example of how RACV seems to treat people who have been with them for decades - it shows RACV CANNOT be trusted to give us the best service. I urge everyone to check you are not being ripped off for being a loyal long-term member. I also advise reading my other posts re RACV interactions. WHAT is going on at or with RACV they have degenerated to this level of unsatisfactory interactions with us members - are we just unimportant & managements only concern is ?????????. IS my gold card not worth having ??.
Follow-up · 12.20pm , 7/9/26 - Seems some questions from people have cropped up = 3 main ones are = 1/ what is being investigated? - racv have not really given me a clear answer so I assume it is the variations in the prices etc. 2/ how often does this happen? - well I would love to know but if you read my other posts to do with racv it is far more than it… Read more
Hi Ron, we’re sorry to hear that your expectations haven't… Read more (+5 replies)
Positive reviews
The premiums are pretty high when compared to other providers. However the service provided todate has been of a high standard and that is the main reason I have been with RACV for the last 35 years or so. Show details · 2
Notwithstanding Gold membership, multiple policies and in excess of 5 years no claims. Your policy was $167 higher than a couple of competitors. Renewed on basis of prior claims experience. However you will need to sharpen your pencil when other policies come up for renewal. Show details · 1
Renegotiated premium to a more reasonable affordable cost. Long time member and had a number of satisfactory discussions with RACV consultants who l.have found to be knowledgeable and easy to deal with. Show details · 1
Negative reviews
I am not happy with the price increase. We have been you customers for 20 + years. Have three cars ,house and contents covered with your company. I can understand price rise but not this much. Show details
Hi Jadranka, we understand it can be disappointing to see… Read more
Find out how RACV Car Insurance compares to other Car Insurance
Know better, choose better.
Been with racv for many years. Concerned that our 3rd party fire and theft policy is getting noticeably more expensive each year. We have many years driving. This somewhat disturbing. RACV has given no explanation for why the insurance is going up by so much. We are just trying to cover ourselves if we hit another car. We can replace our car reasonably cheaply. But this plan is getting more expensive. Show details
Hi Glen, we’re sorry to hear about your concerns regarding… Read more
TERRRIBLE wouldn't even start to cover it. Been insured with Racv for all my driving time. I'm 52. I can't express how much I WOULD NOT RECOMMEND them as a car insurance company. Several experiences lately with them have bought me to this point of leaving a SCATHING REVIEW. RAVC I hate you no I'm going to try and convince all family members to go… Read more
somewhere else i'll pass on my experience if anyone asks. Will NEVER insure with you again! Yours sincerely,.. I HATE YOU RAVC.
Hi Tim, we’re sorry to hear about your experience and… Read more (+1 reply)
Recent reviews
I am disappointed that the premium has increased by $200 and the value of my car decreased. I thought of changing to Woolworths insurance and may do that next year. Show details · 1
Insurance cover for my new volkswagon tiguan. I was disappointed i missed the 21 day cut off from original wuote. This was because i could not pick up the car until today and did not have rego. I had to go with comprehensive instead of complete car (which is what i preferred only price had significantly increased from previous quote). Show details · 1
There is an aggressive marketing technique from Youi as to how much money you can SAVE on car insurance if you switch to them. I am a loyal RACV member because I get discounts with multiple RACV policies. There is an incentive to stay with RACV but everything is becoming expensive. Show details · 1
11 yr old vehicle , value decreased & insurance increased !!! But RACV are very efficient . Provide good customer service . Been with RACV for many years , but it is expensive . Show details · 1
I recently spoke with an RACV representative and was extremely impressed with their professionalism and knowledge. They took the time to understand my needs, helped tailor a policy that suits my requirements, and even saved me money in the process. Outstanding service from start to finish. Show details · 1
I have several policies with RACV and they have always been really helpful and prompt with claims. I suspect they are more expensive but I stay with them because my previous experience has always been so positive. Show details · 1
Renewal time arrived and like all car owners we compare what is available in service and price RACV again showed its rates are on track and we renewed our policy again Show details · 1
Find out how RACV Car Insurance compares to other Car Insurance
Know better, choose better.
Absolutely upset with $200plus increase in 12 months. Gold member somewhere near 30 Damn years of loyalty to the racv and you get treated like this. 4 policies. What an absolute disappointing experience. You should be apprehended for this. Show details
Hi Kerry, we’re sorry to hear that your expectations haven't… Read more
We changed our address (the car is significantly more secure now) and the premium went up $200. Even though the change of address gave a msg that the premium would not change. When I contacted racv about the increase query and asked if nothing at all could be done and if not then cancel our policy please, they just asked us to confirm our details for the cancellation!! Show details
Hi there, we’re sorry to hear your premium has increased… Read more (+2 replies)
Not happy that my insurance keep going up as I have no accident claim in the last 5 years Everyone have their own premiums why increases my when I have no claim I think it unfair to keep increase people insurance when they do not do any claim within 5 years The car is depreciated and yet the insurance is increasing does not make sense Hope you can give me a satisfactory answer Thanks Show details
Hi Nhan, we’re sorry to hear about your concerns regarding… Read more
Surprisingly, insurance premiums go up year on year even though the value of vehicle (insured market value) goes down. Difficult to reconcile the mathematics in that. Have been with RACV for 30 years (nil claims). No genuine recognition of loyalty. RACV is no better or worse than other providers. Show details
Hi Andrew, we understand it can be disappointing to see… Read more
I was happy with RACV's response to my reason for calling. The operator (whose name I have, unfortunately, forgotten) was very polite, patient and was across her area of expertise. My only comment is a constructive one, more of a suggestion - could you send an email acknowledging payment in the form of a receipt? I note that last year there was… Read more · 1
no receipt provided and this year is the same. I usually check other insurance companies prices for a comparison; if there was a large difference I would look further into the matter, but you seem to be reasonably competitive. I had a small claim for a chipped windscreen earlier in the year and it was very quickly attended to and I was very satisfied. Otherwise, well done, and thank you.
WOW, I received a quote in jan26 to have my motorbike insured for $416 full comprehensive via mail. Due to a sabbatical i wasn't able to act on this until Aug'26 and the new quote soared to $735 which is a 46% increase which is disgusting. I guess NO insurances to be held with RACV anymore greedy buggers. Other quotes I received (apples for apples) were coming in around the $550. Show details
Hi Ron, we understand it can be disappointing to see changes… Read more (+2 replies)
Guess I should be grateful that the car insurance only went up a couple of hundred dollars when the house went up five hundred. I notice RACV did want a review of that! Show details
Hi Wen, premium changes are influenced by a range of… Read more
hit a mob of kangaroos they put dints in the side of the car with there heads and tails and destroyed the bumper. the repairer only repaired the bumper and left the little dints on the side. when i put in a complaint the next time i used there service they where rude and called me a liar in a way that can be defended in court i guess. didn't out… Read more
right say your lying but hinted at it. i hate people that lie and never do it myself so when the only thing you have is your word and someone is saying that, then its on
Hi, we’re sorry to hear about your experience and appreciate… Read more
ProductReview.com.au has affiliate partnerships. These do not influence our content moderation policies in any way, though ProductReview.com.au may earn commissions for products/services purchased via affiliate links.
Hi Matthew, thank you for sharing your experience. We’re… Read more (+1 reply)