RACV Home & Contents

I have been insured with RACV for over 12 years and have recently lost my drone. I put it on the top of the car at home and forgot and somewhere it has come off. I know that it was my dumb error but my policy i had extras included like accidental damage for lost and stolen portables. The drone is considered a portable item but because it wasn't lost in the home and quote from RACV, "lost in the open air", i am not covered which was not explained to me when i took the extra. I have pasted a snippet of how they advertise.

Insure portable valuabl...Read more

I started my claim on 29th of july and still goes on !!! It is such LONG delay ! Rubbers took most of my item but they didnt even care about , racv forward my claim for investigation team so they came to my house first time took 1/5 hour second interview took almost 9 hours. I have 2 littlest kids which second one is just about 2 months old. Im breasts feelings him but on that day i had to given formula which I didnt feel good about it so interview ends up asking for some documents which i email them 3 times and they keep saying they not receiv...Read more

My parents recently received their renewal notice for home and contents insurance.
In summary:
- $1.05m to rebuild house
- $400k contents cover
- $10k for specific item (watches).
- Premium was $4,100
This INCLUDED a premium discount for the following:
- 15% no claims bonus
- Multi Policy discount
- Continuous RACV policy (and insurance holder) for 50+ years...Read more

Claim lodged on the 8 July for storm/wind damage - advised by RACV the claim was accepted at inception. Waited for Tandem to call - waited and waited then I decided to call them. Following week the building supervisor attends to inspect. At the house for 7 min's at the most and was told I would be in contact in 2 days. He provides me a verbal scope.

21 days later with a number of follow ups during I decided to call RACV to be told "sorry your claim is declined". Decision based on Tandem inspector, same guy who bunny hopped his car on his ar...Read more

My opinion
Disgraceful insurer. Their review rating (1.9) proves over 80% customers hate them. They send plumbers and builders out, who tell lies in the report. Watch them. Plumber told me to leave the room while he did the test. Was not allowed to watch??? Also told me can’t discuss findings with me, RACV’s rule. I could of proven them to be lies, there and then. I Paid $330 for a 3rd party to look. His report and comments, No waterproofing problems, no leaking shower screen. He looked at RACV’s plumbers report, said it false, his findings a...Read more

Had a flood caused by a pipe burst up the street and water flowed through backyard. I had landlord insurance and contacted the RACV to make a claim. The carpet was ripped up and dried and then nothing for seven weeks. I requested emails, communication or an outline of what they were doing. Nothing. I am now forced to work on this for frequently and had to contact the subcontractors directly. The real problem is that the RACV do not assign a case manager so no-one is responsible. I have had 7 different customer service people that have no idea w...Read more

I have been with RACV for 15 or so years.

A 30% increase on my annual H&C premium was hard to swallow and caused me to start asking questions and seeking competitive quotes. Apparently, the majority of the increase was somewhat based on storm from last year that i did claim.

However, when I started looking into the details further; RACV seem to also annually increase the value of your house and content by 5% to fatten up their premiums; so higher than inflation or CPI. A little bit sneaky I think.

Additionally, when I did get t...Read more

Been with RACV for house, contents and car insurance for over 12 years and never claimed. Had part of ceiling fall down in Melbourne storm yesterday. Called RACV to ask what we should do and was told that the building insurance ran out on 20 Oct and wasn't renewed. Probably on oversight on my behalf as I was overseas when the renewal arrived, but I haven't received any reminder. Anyway, they give 14 days grace, allegedly, which ran out on 2nd or 3rd Nov! So they won't cover the claim. Pretty short sighted if you ask me. With $500 excess and the...Read more

16 months of lies and deception. Water leak that lead to mold infestation throughout my property. Ill children even one hospitalized and I am the one that is mad? nearly 14 months in temporary accommodation at $3000.00 a week and still I ado not have a home to live in. Tradesman after tradesman, test after test lie after lie fabrication after fabrication. I am now out of pocket more than $15,000 and still no home to go back too. 3 children that again cannot have a tree for Christmas as RACV like to bounce families around at a click of their fin...Read more

I have been paying racv insurance premiums for car and house and contents for years.
When i rang them to assist with a first time claim for water damage in our bathroom they put me on hold in order to check if they could find a technical loophole to get out assisting with said damage. When i asked what my premiums actually covered all they could tell is what they would not cover.
Extremely disappointed. It seems taking out in insurance in good faith counts for nothing, despite being a loyal member for many years. Essentially we are all paying...Read more

I have been with the company over 15 years, never made a claim. Had a water leak and will only cover a portion of the area as they used a term stating there was a break which I accepted given there was a door the first time. This resulted in me being out of pocket over $6000. Unfortunately 12 months on had another leak in larger area with no doors yet have stated another fixture is considered a break in one open living area, even though no dividing walls, doorways, arch or change in floor coverings. RACV you are a joke and will never come recom...Read more