RACV Home & Contents

As mentioned in media regarding insurance increases advising to call and see if can help reducing the premium. As with my car insurance got a reduction of approx $40. It’s a shame we have to go cap in hand to get a reduction. Show reply

Quick and easy to contact. Many Thanks from Geoff and Janice Schneider Show reply

It this stage happy with cover, it looks suitable for value of property. Show reply

Awful customer assistance – They say someone must enter your home every week to check inside or they may not pay. I asked if I must let a Neighbour or stranger have a key if away for over a week & they said yes. I say this is unreasonable and is not required by other insurers… Read more

contacted. So be very wary - if your place is vacant for a week or more you may not have cover. We did NOT purchase racv home insurance.

Had to make a claim due to water leak. My first ever claim, so I wasn't sure how things would go. RACV were fantastic, dealt with it very quickly, and everyone from assessor, tradesmen and customer service people were very efficient Show reply

Lucky for me, l have been with RACV for many years. Of course over $1,000 yearly is a lot of money to pay out for a policy, but l would not have been able to afford to replace my home if l didn't have RACV insurance. I used to live in an area where twice a tree fell on my roof and broke through. Once it was a small tree which caused a small… Read more ·  1

hole, but the second time it was a huge tree which rendered the house uninhabitable. Both times RACV came through and fixed the problem. The small tree damage was mended within the week and with the second huge tree damage the entire house took twelve months to mend.

RACV helped me financially when l had to move out and live elsewhere for twelve months plus they chose an excellent project manager and trades people to do the job.

Soon after the house was finished l decided to move to 'flat ground' but would always stay with RACV because of the excellent service l have always received from them. You never think its going to happen to you until it does... Thankyou RACV.

My house and contents policy was great value. It saved me more than sixty dollars a month. It was very easy to set up and the RACV officer that I spoke to made this process easy to understand and complete. Her assistance was invaluable. I have only been with RACV for one month and have taken out RACV assist for at least 12 months. Show reply

Premium was too high for a small house and bad value. $900 increase for one claim is ridiculous as we spent money on top to fix issues we were not happy with that the builders did not want to fix or complete nicely. The stars are only for the consultant who was very warm friendly and helpful and was able to provide a bit of a discount. Well… Read more

spoken and knowledgeable consultants are rare at the Doncaster branch in VIC. Have been with RACV over 50 years. Claim took too long to complete and would probably still be going if it wasn’t for our case manager who was great at constantly following up terrible builders.

About roughly 6 months ago I enquired about insurance for a base model Cherry tgo4 you guys have quoted me $1,700 with windscreen cover. It prompt me to go somewhere else and get a quote which i paid roughly about $950 I've been with you guys for 40 years. I tried everything to get insurance through you guys but way too expensive. I already have… Read more

eight policies with you guys from now on. I will get other quotes. When I got other quotes with other companies you were always $50 to $100 more expensive but not $800. So I did take my Cherry tiger 4 base model somewhere else?

Mum is 91 her unit was flooded and RACV's response is to drag the process out as long as possible. Remember the old saying call someone who cares, this does not include RACV house and contents. The system is set up so the consultant who is supposed to keep you informed about the progress is so far removed and never call back and you do the work… Read more

for them. Their selected flooring company Flooring Xtra are just as terrible, drag it cost, you more and never call back.

The consultant, Margaret, was very helpful with my questions and requests. Margaret was able to fulfill the outcome that I was hoping to achieve. I was very satisfied with the results of my query. Show reply

Right so I have started to do annual reviews of all of our policies we have after being shocked from another company with a huge rise on our home and content insurance I knew I had to act I called racv because we are silver members with both car insurance and road side assistance and roll them all into one saving me straight up 10% plus for the… Read more ·  1

exact same insurance we literally saved $1132 dollars seriously I was shocked same cover if not better at a far better rate definitely would recommend anyone thinking about changing insurance companies to consider racv

We were only first notified of our renewal on 7/7/26. This was 3 days after it was due. Haven't received hard copy in the post at all, fortunately managed eventually to retrieve it from my computer. Not up to your usual high standards

RACV are the best insurance company that I have ever dealt with. Their premiums are reasonable for the level of cover and they don’t hike them every chance they get. Well, that’s my experience in any case. Show reply

Being a long term customer of RACV, with the award discounts my policy is cost effective, especially as I’m a retiree. I haven’t had a claim in decades, which is a bonus as I feel safe in my home. Show reply

We were very happy with the service from Vy yesterday. She promptly addressed each question and explained in detail our options in a friendly, professional manner, great customer service. You are fortunate to have her on your team Show reply

R A C V landlord insurance cover is excellent helps your peace of mind. It covers a lot of the items in your house. Competitive pricing good to deal with very good value for money. Show reply

Just renewed my home insurance policy with RACV because they hadn't increased the policy by much this year which I was glad to see! Clear details in the policy statement and they are helpful if you want to change any of your details! Show reply

I would like to praise Connor the RACV employee who walked me through the whole process with his knowledgeable expertise, his professionalism and patience in helping me understand the various steps. Show reply

Outstanding telephone ☎️ experience with Maddie. We churned 5 policies back to RACV after many years "away". 3 x car and 2 x house and and contents. Pricing, coverage and service 5 star. Incumbent insurer AAMI had become lazy and unaffordable. Glad we're back Show 2 replies

My insurance rose by 17%...fact My renewal showed 3 discounts totalling $704.00. I did a quote for my neighbours house using all the numbers and description as on mine and the quote came in $100 less than my renewal. The discount claims are lies, pure and simple. It is disgusting. I am going to give it to the ACCC to review.

In spite of increasing costs and climatic events I think that it was a reasonable price to reinsurance our house and contents for another year. Very easy to contact them when you have a problem and staff are always easy to talk with. Show reply

As we haven’t had to use the home and contents insurance yet, I really can’t comment on how good it is, but happy with pricing and what the home and contents covers. Hopefully don’t need to use it in the near future. We have all our insurances with RACV and happy with each one of them. Show reply

Minimal wait time. Very friendly and helpful operator. Needed increase of house insurance- done immediately. New policy sent through within 1/2 hour. I support RACV - Excellent to deal with local call centre - jobs kept in Australia. Show reply

I strongly advise against using RACV for insurance. In my experience, they are very quick and efficient when it comes to taking your money — but when you need support for a legitimate claim, they become unhelpful, slow, and uncooperative. The… Read more

process felt intentionally frustrating, as if they were trying to avoid paying out. This experience showed a clear lack of integrity and fairness. I regret trusting them and hope others don’t go through the same disappointment Coverage Type: Home & ContentsProperty Type: HouseClaim Made: YesClaim Resolution Time: 3+ monthsType of Claim: TheftClaim Date: April 2024

Title: Over a year later, no repairs, no accommodation, no compensation Review: It has now been over one year 5 Jan 2025 since my insurance claim was lodged and I am still no closer to having my home restored. RACV provided no accommodation support and no meaningful compensation, despite large parts of my home being unusable. I have been living… Read more

for over a year without a usable lounge room, kitchen, dining area, or living space, while caring for a household of five people, including my niece and nephew. The impact on daily life has been enormous. RACV engaged InsureBuild, and the trades they approved caused further damage to my property rather than repairing it. Poor workmanship and a complete lack of oversight left my home in a worse condition than before the claim. Instead of fixing the damage, the situation deteriorated. Communication has been slow, inconsistent, and reactive. Promises are made and then ignored. Progress only occurs when chased, and even then it rarely results in action. After exhausting all reasonable attempts to resolve this directly, the matter is now with AFCA, where it has also been ongoing for an extended period. This level of claims handling is absolutely appalling. For an insurer that promotes trust and member support, RACV has failed on every level — claims management, contractor oversight, communication, and basic duty of care. I would strongly caution anyone considering RACV insurance. When you actually need support, this experience shows how easily you can be left to struggle on your own.

They are going up astronomically every year and yet tell me I’m receiving all these special discounts for being with them for years. I feel like I’m actually being punished. I have made NO claims on house or car yet they charge me more and more. When I rang to discuss, I found the woman sharp and unempathetic. When I asked if they could reduce the… Read more

cost at all, she asked me a few questions then said she could apply a discount which worked out to be less than $100. Then I asked if I could have an extension on payment, my mum has been sick this year and this payment has sneaked up. I was sharply told know I could only have standard 14 days before policy is expired. Then I asked could I then pay monthly to which she said no because she has now applied this discount (which is tiny anyway). Then she said so can you pay by the date to which I said well I suppose you have given us no other option and we have to. Feeling so stressed and like treated like dirt after more than 10 years of loyalty. I rang back to speak to a manager and tell them I found much cheaper deals from other companies online. After waiting on hold it rang through and then promptly hung up. I’m thinking I say goodbye to racv for good and take all my business elsewhere.

We have had a water leak claim into a powder room going for over 9 months. We are nowhere near even completing the work. Toilet and tiles have been removed and carpet in adjoining bedroom removed and power disconnected in adjoining bathroom. It’s complicated by finding another unrelated leak which they won’t cover and can understand that, but our… Read more

house is cold and looks like a mini demolition site. Communication has been poor and the builders and associated workers are poor communicators as well. The builders assigned have made quite a tidy sum of money but alas no work completed at all. It’s a very bad reflection on RACV who have been slow to return calls or not return calls at all. We have many policies with RACV and thinking seriously of changing companies.

In the past, we have had very good service from RACV and have had very few claims, so I am very disappointed with the paucity of service and non progress of our current claim. It hasn’t helped that we have just had a change in claim manager but that could be a positive.

We are hoping we have a resolution before Christmas but not holding out any hope.