RACV Insurance provides comprehensive car insurance, home insurance, travel insurance, and much more.
The insurance provider is renowned for its huge discounts on policies. Customers save more when they buy more policies from RACV.
I have reviewed the company and crafted a detailed exposition on their insurance policies and other important details.
About RACV Insurance
RACV stands for Royal Automobile Club of Victoria. The insurance company is a motoring club and mutual organization that provides members with a range of products and services in the areas of the home, leisure, financial services, general insurance, and motoring & mobility.
The company is located in Bourke Street, Melbourne, Australia, Princes Highway, Noble Park, Victoria, Australia.
There are a couple of products and services offered by RACV and I have explained what they are and cover.
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RACV Insurance Products
The following insurance products are offered by RACV:
RACV Car Insurance
The RACV car insurance protects you against any loss in the event of an accident or theft of your vehicle.
At RACV, users can choose from any of three (3) car insurance options which include:
Complete Care® Cover
The Complete Care® cover has all the benefits of the Comprehensive cover including taxi fares, emergency accommodation when you travel more than 100km from home, vehicle pick-up, and return following a claimable event.
This insurance option covers for damages from unintentional collision to people’s vehicles and properties and collision damage to your car.
It does not matter who is at fault. It will still pay claims.
Third-Party Fire and Theft
The third-party fire and theft option covers for unintentional collision damage to third-party vehicles and properties where you are at fault to whatever degree.
It will also cover for losses when your car is either stolen or damaged by fire.
Third-Party Property Damage
This is a basic cover that pays for damages caused by unintentional collision to third-party vehicles and properties.
When you buy RACV car insurance, you are entitled to the following benefits:
- Up to $20 million liability cover for unintentional collision damage to a third-party vehicle or property regardless of who is at fault
- Access to 95+ RACV partner repairers across the state of Victoria
- 24-hour emergency assistance by Aussie Assist
- Legal representation of up to $10,000
- Automatic cover for your vehicle accessories, options, and modifications
RACV Home Insurance
The RACV home insurance lets you choose from a variety of options that meet your home insurance needs either as a homeowner, landlord, or renter.
Enjoy coverage for losses or damage to your home, building, and belongings in the event of a fire, theft, storm, or vandalism.
It does not matter whether you are a renter, homeowner, or landlord, there is a suitable home insurance policy for you at RACV.
RACV home insurance comes with the following benefits:
- Comprehensive cover for fire, storm, flood, and theft
- Variety of excess options
- Flexible monthly or annual payment
The options available under the RACV home insurance policy include:
Combined Home Buildings and Contents Insurance
This covers your home and the properties in it. If your home or belongings are damaged during an insured event, RACV will cover for damages.
This option insures only the buildings that make up your home which also includes sheds, carports, fences, garages, light, cupboards, e.t.c
If an insured event causes damages to your belongings such as furniture, clothing, jewelry, TVs, electronics, and so on, RACV will pay for their repair or replacement.
This is for landlords who want to insure their buildings and tenants from events such as fire, storm, theft, e.t.c
Renting accommodation, you can get renters insurance to insure your belongings and cover for repair or replacement when they get damaged or stolen.
RACV Travel Insurance
Your business trip or vacation outside of Australia can be insured by RACV travel insurance.
Travel with comfort and confidence not worrying about a thing while on transit. The RACV travel insurance covers losses from:
- Flight cancelation, delay, and interruption
- Medical expenses
- Repatriation of a corpse or sick body
- Stolen, missing, or damaged luggage
You can be so sure none of this will happen hence you need to get travel insurance ready.
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RACV Business Insurance
Businesses and business owners are not left out of the insurance provisions by RACV. The company offers amazing business insurance for businesses in Australia.
They have got policies that meet the commercial business needs of businesses in various sectors including professional consultants, hospitality, retailers, property owners, home business, and so on.
Some of the RACV business home insurance policies include:
Public Liability Insurance
The public liability insurance covers legal liabilities filed against you when your business or activities cause injuries to third-party or properties.
Every business consultant providing professional services and advice must have professional indemnity insurance and RACV business insurance makes it available.
As a programmer, project manager, IT professional, web designer, and so on, you can get insurance that will cover any loss you may incur while you carry out your enterprise.
Other RACV insurance provisions include:
- Caravan and trailer insurance
- Boat insurance
- Motorcycle insurance
- Pet Insurance
- Farm insurance
How To File a Claim with RACV Insurance
To file a claim, call the RACV phone number at 13 19 03 or visit the “lodge a claim” portal on the RACV official website.
In filing your claim, you will be required to provide the following information:
- Relevant information concerning the driver
- Details about the car, people, and properties involved in the accident
- Pictures that prove the event took place
- Contact details of eyewitnesses
In less than 10 minutes, you should have your claim successfully filed. Just call the RACV phone number on 13 19 03.
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Whether you are looking for comprehensive car insurance or home insurance or business insurance in Australia, RACV is a go-to company.
Their policies are trusted by a lot of Australians and they are one of the best home insurance companies in Australia.