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 Budget Direct Insurance
Owned By: Members (not-for-profit membership based community organisation) Underwritten By: Insurance Manufacturers of Australia Pty Limited

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RACV is proud of its rich history which began in December 1903 when the Club was formed at Melbourne’s Port Phillip Club Hotel. Initially established as a motorists’ social club, RACV encouraged the development of motoring and protected the rights of motorists. RACV has provided insurance services since 1915.

RACV offers a range of car insurance covers to suit all sorts of needs - from complete care car insurance to basic third party insurance.

Source: RACV

Comprehensive Motor
Owned by:
Members (not-for-profit membership based community organisation)
Underwritten by:
Insurance Manufacturers of Australia Pty Limited
Owner of Underwriter:
.
Pay by the Month:
Yes
Cooling off period:
21 days
24 Hour help line:
Yes
Sum Insured:
Agreed or Market
NCB preserved - if at fault:
Only if you have NCD Protection
NCB preserved - if not at fault:
Yes
Rating 1 Protection:
No
Maximum No claim bonus:
65%
Uninsured Motorist Cover:
Full Cover
Maximum Claims for one event:
$20,000,000
Public liability cover available:
Yes
Death:
No
Legal Costs:
Coroner or magistrate ($10000), defending a claim, unin
Substitute Vehicle Cover:
3rd Party Property
Cover if driver not nominated:
Yes
Ability to choose repairer:
Yes
Lifetime guarantee on repairs:
Yes
New Car Replacement:
2 years old
Essential Repairs:
$500
Emergency Accommodation &/or Transport:
see Aussie Assist
Recovery, towing and storage after accident:
Towing & Storage
Accident Clean Up:
No
Personal effects covered in Collision &/or theft:
$500
Baby Captual & Child Seat:
Yes ($500 each item)
Trailer cover available:
$1000
Relacement Keys:
$1000
Rental car following theft:
$50 per day (21 max) & will pay $2000 towards bond
Rental car after accident:
Optional
Restricted Driver Discounts:
No
Windscreen Excess Reduction:
Optional
Variable excess to reduce premium:
Yes
Remove excess for a fee:
Yes
Source:
Includes Aussie Assist
Comprehensive Complete Care Motor
Owned by:
Members (not-for-profit membership based community organisation)
Underwritten by:
Insurance Manufacturers of Australia Pty Limited
Owner of Underwriter:
.
Pay by the Month:
Yes
Cooling off period:
21 days
24 Hour help line:
Yes
Sum Insured:
Agreed
NCB preserved - if at fault:
Only if you have NCD Protection
NCB preserved - if not at fault:
Yes
Rating 1 Protection:
No
Maximum No claim bonus:
65%
Uninsured Motorist Cover:
Full Cover
Maximum Claims for one event:
$20,000,000
Public liability cover available:
Yes
Death:
No
Legal Costs:
Coroner or magistrate ($10000), defending a claim, unin
Substitute Vehicle Cover:
3rd Party Property
Cover if driver not nominated:
Yes
Ability to choose repairer:
Yes
Lifetime guarantee on repairs:
Yes
New Car Replacement:
2 years old
Essential Repairs:
$500
Emergency Accommodation &/or Transport:
$150 per night (+$50 for your pet) (>100km,max 10) and
Recovery, towing and storage after accident:
Yes
Accident Clean Up:
No
Personal effects covered in Collision &/or theft:
$1000
Baby Captual & Child Seat:
Yes ($500 each item)
Trailer cover available:
$1000
Relacement Keys:
$1000
Rental car following theft:
$88 per day (21 max) & will pay $3000 towards bond
Rental car after accident:
$88 per day
Restricted Driver Discounts:
No
Windscreen Excess Reduction:
Yes
Variable excess to reduce premium:
Yes
Remove excess for a fee:
Yes
Source:
Includes Aussie Assist
Comprehensive Veteran Motor
Owned by:
Members (not-for-profit membership based community organisation)
Underwritten by:
Insurance Manufacturers of Australia Pty Limited
Owner of Underwriter:
.
Pay by the Month:
Yes
Cooling off period:
21 days
24 Hour help line:
Yes
Sum Insured:
Agreed
NCB preserved - if at fault:
N/A (only comprehensive)
NCB preserved - if not at fault:
N/A (only comprehensive)
Rating 1 Protection:
N/A (only comprehensive)
Maximum No claim bonus:
No NCD but if you have had no claims/accidents in the last 2 years then you will get a discount on your premium
Uninsured Motorist Cover:
Full Cover
Maximum Claims for one event:
$20,000,000
Public liability cover available:
Yes
Death:
No
Legal Costs:
Yes - Coroner or magistrate, defending a claim
Substitute Vehicle Cover:
No
Cover if driver not nominated:
Yes
Ability to choose repairer:
Yes
Lifetime guarantee on repairs:
No
New Car Replacement:
No
Essential Repairs:
$500
Emergency Accommodation &/or Transport:
see Aussie Assist
Recovery, towing and storage after accident:
Towing & Storage
Accident Clean Up:
No
Personal effects covered in Collision &/or theft:
$500
Baby Captual & Child Seat:
No
Trailer cover available:
No
Relacement Keys:
$500
Rental car following theft:
No
Rental car after accident:
Yes if breakdown occurs- See Assie Assist
Restricted Driver Discounts:
No
Windscreen Excess Reduction:
No
Variable excess to reduce premium:
No
Remove excess for a fee:
No
Source:
Includes Aussie Assist
Third Party Property Motor
Owned by:
Members (not-for-profit membership based community organisation)
Underwritten by:
Insurance Manufacturers of Australia Pty Limited
Owner of Underwriter:
.
Pay by the Month:
Yes
Cooling off period:
21 days
24 Hour help line:
Yes
Sum Insured:
Market
NCB preserved - if at fault:
N/A (only comprehensive)
NCB preserved - if not at fault:
N/A (only comprehensive)
Rating 1 Protection:
N/A (only comprehensive)
Maximum No claim bonus:
No NCD but if you have had no claims/accidents in the last 5 years then you will get a discount on your premium
Uninsured Motorist Cover:
$3000
Maximum Claims for one event:
$20,000,000
Public liability cover available:
Yes
Death:
No
Legal Costs:
Coroner or magistrate ($10000), defending a claim, unin
Substitute Vehicle Cover:
3rd Party Property
Cover if driver not nominated:
Yes
Ability to choose repairer:
Yes
Lifetime guarantee on repairs:
Yes
New Car Replacement:
No
Essential Repairs:
No
Emergency Accommodation &/or Transport:
see Aussie Assist
Recovery, towing and storage after accident:
Towing
Accident Clean Up:
No
Personal effects covered in Collision &/or theft:
No
Baby Captual & Child Seat:
No
Trailer cover available:
No
Relacement Keys:
No
Rental car following theft:
No
Rental car after accident:
No
Restricted Driver Discounts:
No
Windscreen Excess Reduction:
No
Variable excess to reduce premium:
No
Remove excess for a fee:
No
Source:
Includes Aussie Assist
Third Party Property (Fire & Theft) Motor
Owned by:
Members (not-for-profit membership based community organisation)
Underwritten by:
Insurance Manufacturers of Australia Pty Limited
Owner of Underwriter:
.
Pay by the Month:
Yes
Cooling off period:
21 days
24 Hour help line:
Yes
Sum Insured:
Market (max $10k)
NCB preserved - if at fault:
N/A (only comprehensive)
NCB preserved - if not at fault:
N/A (only comprehensive)
Rating 1 Protection:
N/A (only comprehensive)
Maximum No claim bonus:
No NCD but if you have had no claims/accidents in the last 5 years then you will get a discount on your premium
Uninsured Motorist Cover:
$5000 (admin charge $300)
Maximum Claims for one event:
$20,000,000
Public liability cover available:
Yes
Death:
No
Legal Costs:
Coroner or magistrate ($10000), defending a claim, unin
Substitute Vehicle Cover:
3rd Party Property
Cover if driver not nominated:
Yes
Ability to choose repairer:
Yes
Lifetime guarantee on repairs:
Yes
New Car Replacement:
No
Essential Repairs:
$500
Emergency Accommodation &/or Transport:
see Aussie Assist
Recovery, towing and storage after accident:
Towing & Storage
Accident Clean Up:
No
Personal effects covered in Collision &/or theft:
No
Baby Captual & Child Seat:
No
Trailer cover available:
No
Relacement Keys:
No
Rental car following theft:
$50 per day (21 max) & will pay $2000 towards bond
Rental car after accident:
No
Restricted Driver Discounts:
No
Windscreen Excess Reduction:
No
Variable excess to reduce premium:
No
Remove excess for a fee:
No
Source:
Includes Aussie Assist
Excess
Remove Excess
Yes (only comprehensive)
Years to Rating 1
5 years
Basic Excess
$550
<25 years old
$500
Licensed <2 years
$400
<25 & Not Nominated
$1250
Variable Excess
Yes (only comprehensive)
No Claims Discount (ncd)
Not your Fault (no-fault)
No change
Your Fault (at-fault)
Downgrade NCD if you don't hold NCD protection
NCD Protection
No