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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
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.
Reviews with attachments
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.
- +2
Happy with RACV, disappointed with repairer – My car was hit in a train station car park with no details left. Rang RACV to make a claim process was easy and the lady I spoke to was great - cannot fault RACV service. That’s where it ends though, opting to use an RACV preferred repairer was the worst decision I have ever made. Gemini Thornbury should be disgusted with how they handed the car… Read more
back to me, not to mention the lack of empathy when I bought the car back and pointed out all the problems. My mirror was left damaged, doors not lining up and white overspray all over the grey panels of my car. Upon taking it back to Gemini Thornbury, no apology was made to me and the production manager [name rmeoved] treated my partner like dirt. I was then told I had to now wait for them to order another part for my car - why this wasn’t done in the first place is beyond me. Due to not being able to take more time off work my dad and my partner went back to pick the car up a second time, once again production manager was rude to both of them. Personally attacking my partner asking what he would know about cars, he can’t comment because he isn’t a professional - well I don’t know how Gemini call themselves professionals.
I will NEVER take my car back here and would not recommend them to anyone. RACV should really do a quality control check of this repairer.
Hi , we’re sorry to hear that RACV Insurance did not meet… Read more
- +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)
Latest follow-ups
Totally self invested rogues – This company clearly puts profits before people, always! I'm not going to waste my time doing a comprehensive review, because RACV already have a rating of just 1.8 stars and clearly don't care. If I could, I would give them a big fat zero stars!… Read more
Very short story, they tried to make my irrefutable "not at fault" claim, MY FAULT ! I said I would "walk" if they did and they quickly changed their mind. We have several policies with them, so they had a fair bit to lose. After that, I get my renewal notice and it's gone up by 38%. So now I'm "walking" to another company. The sad fact which the government seem oblivious to (or turn a blind eye to), is that most of the insurance companies selling car insurance are no better. Where is the Dept. of Fair Trading when you need them? We deserve better from RACV, much better.
Follow-up · Apparently there has been some interest in my review of RACV Insurance. This week I expect to get a decision from AFCA (Australian Financial Complaints Authority), so at this time, the matter is unresolved. At this point, we have not changed our other insurance policies with RACV. That will depend very much on the outcome of this claim. Thank you for reading.
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
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.
Follow-up · RACV provided NO services and NO repairs. They were a total waste of money
Hi Zen, we’re sorry to hear that your expectations haven't… Read more (+4 replies)
Positive reviews
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
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.
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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
Negative reviews
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
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
Recent reviews
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
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
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
Find out how RACV Comprehensive Car Insurance compares to other Car Insurance
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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!
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
Very happy with RACV Car Insurance. I had to make a claim this year due to someone hitting me from behind and the whole process of making a claim was so quick, professional and easy. Thanks so much for making it so stress free. Show details · 1
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.
Hi Steven, thank you for letting us know about your… Read more
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
Hi Stephen, we’re sorry to hear that your expectations… Read more
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
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Hi Tim, we’re sorry to hear about your experience and… Read more