1,039 reviews
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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.
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
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
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
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
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
Fast, efficient, excellent value for money, care factor couldn't be better – Another driver disobeyed a stop sign and hit my car with such force, I traversed 4 lanes of Princes Hwy in Oakleigh (Melbourne) before I regained control of the vehicle a month ago. Thankfully I didn't hit anyone, and my car protected me from all but a whiplash. The other driver's acts after the accident suggested he was uninsured. I called the… Read more · 1
RACV as my insurer still in a shock from the accident. The RACV gave me such good treatment from the first phone call to sending me the cheque for the totalled car, I cannot stop telling everyone how truly valued I have felt throughout this process. I have received all the information I needed, when I needed the information, I was listened to, and I felt that every member of the RACV team that I interacted with cared about me. Thank you RACV! My new car will be insured with the RACV all over again.
An awkward start – I was unhappy with Coles Insurance after being left for months without a vehicle while my car was sitting in the shop waiting on parts after a kangaroo jumped off an embankment and landed on my bonnet. I approached my local family run Elders for a quote as I have public liability with them and enjoy their small town service. They said their quote… Read more
was a bit pricey and to look at RACV. I had avoided RACV comprehensive insurance in the past due to the price but their quote for my new 4WD was quite reasonable.
I picked up my car and insured it online with RACV before driving away. It was easy to set up and they didn’t require information about aftermarket accessories like my bull bar. An hour later I had an incident with an elderly driver. It was incredibly embarrassing to have to call RACV so soon after joining. They were polite on the phone but some time later I was sent an impersonal email to notify me that I was being investigated for fraud. It was very startling to receive. I immediately sent them proof of purchase time, my vicroads receipt from just before the accident, call records etc to prove I had only just acquired the vehicle and the investigation was dropped. This was a very unpleasant experience that could have been avoided with some careful wording in the email or a polite phone call. I will remain with them now the issue is resolved and hopefully I will not need to have further communications with them.
- +1
My vehicle is comprehensively insured with RACV. Since the accident, the estimated repair completion date has been revised numerous times. The latest advice is that the repairs are expected to be completed by 15 August 2026—approximately six months after the accident. My vehicle is a hybrid, and I have raised concerns with RACV that leaving it… Read more
inactive for such an extended period may adversely affect the hybrid battery's performance, reliability, and lifespan. I have provided technical information supporting these concerns, but I do not believe they have been properly considered. During this period, RACV has provided me with a hire vehicle. However, it is difficult to understand how continuing to fund a hire vehicle for such a prolonged period is commercially reasonable, particularly when the total hire costs may ultimately exceed the insured value of my own vehicle. I have exhausted RACV's internal complaints process, including escalating my complaint to its highest review level. Despite this, my concerns have not been resolved, and I have effectively been told to wait until the repairs are eventually completed. RACV has offered me $1,000 in compensation for the inconvenience and loss I have experienced. However, I have never been provided with a clear explanation of how this amount was determined, and I do not believe it adequately reflects the circumstances or the impact of the prolonged delay. I was also concerned by the way my complaint was handled. Throughout the process, the same assessor appeared to have significant influence over both the assessment and the complaint response. This left me questioning whether my concerns received an independent and impartial review. In addition, I observed several instances where information provided to me was inconsistent or contradictory within a short period of time. These inconsistencies undermined my confidence in the fairness and transparency of the process.
My repeated requests for RACV to consider the unique circumstances of my case—including the potential impact of prolonged storage on a hybrid vehicle—were, in my view, largely met with references to internal policies rather than a genuine assessment of the issues I had raised.
I believe this matter raises broader consumer issues about delays in vehicle repairs, complaint handling, transparency in compensation decisions, and the treatment of customers who have exhausted an insurer's internal dispute process without achieving a fair outcome.
Hi Samw, we’re sorry to hear about your experience and… Read more (+2 replies)
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.
Hi Matthew, thank you for sharing your experience. We’re… Read more (+1 reply)
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
Latest follow-ups
I prefer a paper bill sorry That is my preference Thank you Show details
Follow-up · Because I get swamped by emails I could miss a bill & not pay it. Getting a paper bill means I'll see it & pay it. I dont want to be late paying. So sorry RACV
Hi Tracey. Thanks for your review. We advise you can update… Read more
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Poor service & miss information from first call. Months later still seeking benefits confirmed in initial phone call Terrible service by phone or email Show details
Follow-up · While Van was towed to RACV nominated repairer I was told that I was covered for $170/ day accom costs up to $2400.i was not told a limit to no of days or that a tax invoice required for each payment. I claimed $1795 & paid $1000. I have tried to explain the difficulties The RACV repairer had in assessing full damage & sourcing parts & the… Read more
Hi M J, we’re sorry to hear about your experience. Your… Read more (+2 replies)
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.
Follow-up · Follow up since accident last year. I went to another panel beaters that helped me navigate the insurance company and to hire a car as mine had exhaust fumes entering the car space because of the faulty back door, damage from the accident. I was paid out for my older car. The insurance company has refused to provide a write off certificate for… Read more
Hi Nels, we’re sorry to hear that your expectations haven't… Read more
Positive reviews
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.
I’ve been with RACV Insurance for a number of years now. I’ve unfortunately had to use it once and the service including how promptly they expedited the claim was excellent. They are reasonably priced and I would not go anywhere else. Show details · 1
The process is simple to follow and the lead-up time from issue of the notice good.................pity the insurance is so expensive considering the van is unused 10 or 11 months of the year, so I'm not so sure it offers good value. Show details · 1
Negative reviews
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
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)
Recent reviews
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
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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
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 of $170.49c - as a result a new policy is being done & the one I received being cancelled - also it… Read more
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 ??.
Hi Ron, we’re sorry to hear that your expectations haven't… Read more (+5 replies)
Sick and tired of large increase in premiums year after year well ahead of cpi and having to work out how to reduce the fee each year. I am closecto to having to make a decision to re actually insuring items. Show details
Hi Iain, we understand it can be disappointing to see… Read more
I recently called 1300 612 921 to enquire whether a complimentary hire car would be provided while my car was being repaired. I was deeply impressed by the outstanding service provided by a staff member named Tarun. Tarun was incredibly patient, polite, and empathetic throughout our conversation. Even though the outcome wasn't what I originally… Read more · 1
hoped for, her warm professional attitude made me feel genuinely valued as a customer. Her exceptional customer service is truly commendable and deserves recognition. Thank you, Tarun, for turning a potentially stressful situation into a highly positive experience!
DO NOT USE!! - TERRIBLE SERVICE AND A WASTE OF TIME staff are incompetent, especially [Name Removed] i spoke to her today and she was completely useless, i’ve been going back and forth for months trying to get my car fixed using a local repair company. i have been paying RACV money for insurance for over 10 years and will be leaving after this has finally been resolved. absolute joke of a company. Show details
Hi Sophie. Sorry to hear about this. So we can alert our… Read more (+1 reply)
I've had two separate frustrating experiences with RACV recently. First, I needed a specific document from RACV confirming my driving record, as I'm currently overseas in Ireland and this document is required there. Instead of the driving record confirmation, RACV sent me my policy renewal. When I replied explaining clearly that this wasn't the… Read more
right document and specified exactly what I needed for Ireland, they sent me my house contents insurance renewal instead — again, not what I'd asked for. Worse, this back-and-forth put me back at the end of their 3–10 business day queue, despite the fact that I'd now clarified my request twice. This document was critical for me to sort out insurance while overseas, and the delay caused by RACV's repeated misunderstanding of a fairly simple request has been genuinely costly.
Separately, RACV also handled a battery replacement on my Audi — twice — without programming either replacement battery to the vehicle's system, and in the process damaged wiring and squashed a battery venting tube.
Taken together, these two experiences point to a wider issue with attention to detail and getting things right the first time. When you need something from RACV at a time-critical moment, you can't count on it being handled correctly, and the cost of their mistakes falls on the member, not RACV.
Hi Dan, thank you for letting us know about your concerns,… Read more
My premium was increased by over $400 I was very disappointed with explanation from rather rude c/service .. I’m coming up 50 year membership so no loyalty consideration Show details
Hi Lyn, we understand it can be disappointing to see changes… Read more
I was able to get a good discount, just by asking. The woman was very helpful & I thank you. :-) This was excellent value & easy to do. I have been an RACV member for 50 years. Show details · 1
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Hi Jodi, thank you for your feedback regarding your… Read more