RACV Complete Care Car Insurance

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

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

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.

Excellent product and price Really good initiative to allow up to 5 cars on your personal total care roadside assist policy Well done RACV VERY HAPPY RACV Member of over 40years Charles Rockefeller Show details ·  1

Have been a customer for over twenty years just purchased a new vehicle every detail was handled with no problems to change my previous car details to my new one as this is my second time with racv my first experience was in the nineties when I bought a house and didn't have a car worth to be fully insured Show details ·  1

Excellent services and quick response – I had an outstanding experience with RACV car insurance, particularly thanks to Zachary, a staff member. His fantastic attitude and detailed assistance during my car accident claim were impressive. RACV has earned my trust, and I highly recommend them for their excellent service and supportive staff like Zachary. Show details ·  1

Had the worst experience last week with Jessica from Members Relations. She's by far the most condescending, rude, and unprofessional rep I've ever dealt with. Right from the start she talked down to me like I was an id*ot for asking a basic question about my membership. If you get stuck with her go ask for someone else right away. Extremely poor look for RACV customer services Show details

⭐ 1 Star Review for RACV Insurance My experience with RACV has been nothing short of appalling. I lodged a claim after an accident in May 2025. Since 19 May, my family has been stuck in a loan car that cannot legally or safely fit the four car seats required for my children under seven. I made it crystal clear to RACV on 15 May that this was a… Read more

non-negotiable requirement. RACV ignored this and knowingly left my family in an unsuitable, unsafe vehicle for months.

The handling of my claim has been a disgrace:

I have been promised call backs repeatedly but always have to chase updates myself.

The assessor has wrongly denied parts of the accident damage (which I am challenging).

Once corrected, the repair costs will exceed $10,000.

Meanwhile, RACV has already spent $6,800–$8,800 on hire car costs since May, with more months to come.

This means RACV is paying more for delays and hire cars than it would cost to simply settle the claim at the agreed value of $15,210. Instead, they continue to stall while my family suffers the consequences — unsafe travel, financial stress, and months of disruption.

RACV’s conduct breaches their duty of good faith under the Insurance Contracts Act and shows no regard for customer welfare, fairness, or even basic economics.

I will be escalating this to AFCA and the Insurance Council of Australia. I strongly warn others to think twice before insuring with RACV.

RACV customer service – A total of 5 months all up that they took my daughter smashed car… RACV couldnt locate her car & still can’t! She is now expected to pay for a hire car! She constantly gets people who can’t speak fluent English & have no idea where or what stage my daughters car is up to! She was just told the tow truck company who took her car isn’t answering… Read more

calls but they think it’s at some work shop… then racv agreed for a hire car yet she receives an email to let her know she is required to give hire car company a credit card details. DISGRACEFUL SERVICE!!!!!!

Easy to follow and go over also got a good pricing for car insurance since I had a Gold membership with them Show details ·  1

Pretty good price happy with that i will see what happens in the future 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!

The conversation was easy and short, and the employee was very helpful. Show details ·  1

I have made 1 claim and I was happy with how it all worked out. Show details ·  1

Professional approach to all aspects of care. Good communication. When insurance is called on RACV are easy to work with. Show details ·  1

Jennifer the consultant really knows her facts and was very helpful in helping us to arrive at the right solution Show details ·  1

They steal people's money and are deceitful – My car have been covered 4 years with complete care With Racv and we had an accident last year and my fault has been dragging us for more than 8 months we have interviews 3 times highly don't recommend it to all Australians they are useless and not worthy Show details

Incredibly bad roadside assistance – I had a flat tyre after work, called roadside assistance they came reasonably quickly. The weather was awful, heavily raining. Your employee seemed incredibly disinterested in helping me, didn’t use the cross bar that came with my car. He pretended to undo the nuts on the tyre using an impact drill. The drill wasn’t grabbing on the nuts. He said… Read more

the nuts were on too tight, and that my car would need to be towed to a Tyre service place. In the meantime, I was lucky enough to have my dad come and help me, whom was able to undo the nuts with the crossbar my car came with. My dad is not a mechanic but managed to do the job. How ridiculous that your worker couldn’t undo the bits (didn’t even try). Lucky I had the privilege of asking for help from a family member but imagine if I didn’t. I do not feel like I can rely on RACV roadside assist and am extremely disappointed.

Will make you feel like a criminal even when you’ve done everything right – Got into a car accident, put in a claim, was referred to the f&I team due to how close I was to taking out the policy to getting into an accident (Fair enough). Was happy to give them everything they needed, except now everything I’ve given them wasn’t good enough so now they want more. They said I need to provide one thing, then suddenly I need… Read more

to provide something else when that’s given. They seem to move the goal posts of getting the claim processed. I have the rudest person to deal with and I have now put in a complaint to not just the company but to the ombudsman.

RACV are a complete joke, I have 4 policies with them and will now be removing the lot of them to somewhere else.

Don't go there – RACV have the worse Customer Service I have encountered. Paid for complete care in advance & needed to make a change. They told me I had to cancel the payment & pay again. So I asked them to cancel it all together. They said the refund could take 3 to 5 business days & when I emailed them to ask where the refund was, they ignored me. They… Read more

actually ignored multiple emails including ones that I sent through my account. I sent another email to advise a chargeback from my account & they e-mailed back answered saying the refund would now take 14 days. Can't believe how unprofessional they are. I would never recommend them & I will go ahead with the chargeback.

No service – Got extra cover 6:30 pm for a new car, next morning 9:30 am the fuel finished on the way to the pump. Called road side assist, they said they can't help me as it wasn't 24hrs since I got the cover even thought I fully paid. Was left stranded in the middle of morning rush hour to solve my problem by myself. Show details

Cost of excess is ridiculous.. used to be a more reliable fairer company – RACV used to be super reliable and fairer on costs. My family has been a customer on and off 10 years. These days they are getting super expensive, require more and more information for your claim, almost ridiculous amount of info. And they are less reliable in their services and communications. I will find another company to use. Show details

Very poor member service and ridiculous $450.00 car insurance policy increase! – It is with extreme disappointment that I wish to advise any current or future clients of RACV of the total disregard and lack of respect shown to me, when I was wanting to renew my car insurance. I am a 46 year member and have 4 car insurance policies, house and contents insurance and 4 road side covers. My car insurance policy came out $450.00… Read more

dearer than last year, despite no at fault claims and the car being one year older. I went to the RACV Geelong office, where the assistant [Name Removed] was unable to help me and organized a floor walker to call me, that was 2 weeks ago and I’m still waiting. I called the call center and [Name Removed] was unable to help. He put me on to [Name Removed] in member relations department, who explained “the underwriters set the price and we can’t do anything about it.“ I was offered $100.00 of the renewal, making it $350.00 dearer than last year.

No consideration was ever shown to me by anyone at the RACV for my loyal 46 year membership or my 10 policy portfolio!

When I said to [Name Removed] that I will need to look at other insurers and due to my poor treatment, I would consider moving the rest of my portfolio. I was very disappointed that rather than find a way to help me, she encouraged me to go elsewhere. I did ask her, to ask a manager to call me, so I could register my disappointment and she said she would do that - I’m still waiting for that call!

I was forced to look at other insurers and have been treated with respect and dignity by one of our country’s top insurers. The new policy covers more than the RACV policy did and is $750.00 CHEAPER!!

I am sure this experience would not be unique to me. The lesson here is RACV does not value loyalty and their policy prices are beyond ridiculous!

Please don’t automatically renew your policy with RACV and shop around first. $750.00 price difference for better coverage is beyond belief!

I am happy to advise people on the name of my new insurance provider.

I write this post in the hope that I may be able to save people a great deal of money! With a cost of living crisis, this is very important.

Thanks for reading, best wishes from Alan.

Pricing themselves out of my business – Had a quote and policy for a set amount, but had to cancel as new car not able to be delivered on time. Tried to take the policy out less than 7 days later, and they wanted to up the price by over 200%. Seriously, from $2200 to $4600. Why? No reason provided. Do not go to RACV. Shop around Show details