RACV Opiniões 

I’m very disappointed with RACV’s handling of my car accident. I was driving straight through a green light when another driver in a company van hit the back of my car. He admitted fault at the scene, and my friend was a witness, and RACV repaired my car and didn’t charge any excess, confirming I wasn’t at fault. But after more than 40 days, they suddenly tried to blame me, claiming it was related to “Rule 143.” This is completely wrong — I never changed lanes, and I never agreed that it was my fault. Their communication was confusing and unprofessional, with different answers every time I called. I’ve completely lost trust in RACV. Being rear-ended is clear-cut, yet they still tried to shift the blame. I wouldn’t recommend RACV to anyone based on this experience.

I had a Hyundai iload van, regularly serviced and cared for. I had roadside assist and insurance with RACV. Lights came on my dashboard when driving and I pulled over immediately and called for assistance. RACV turned up and suggested it was a faulty light and said for me to drive to the nearest petrol station. I drove literally 1 km and my engine seized and had to be towed to a mechanic. The mechanic did a report saying if I hadn’t of driven, the engine would not have seized. I rung RACV and asked for financial recompense and they were rude, unhelpful and in the end claimed it was my word again the roadside assist agent and provided no financial assistance at all. I had to sell my car with no engine and right it off and buy a new car. They were disgusting. I had friends standing up for me on their Facebook page complaining and they feigned that they were going to look into it but did nothing. So unethical, what is the point of having insurance. Plus I had a mechanics report backing me up. They robbed me of thousands of dollars! I will never forget it and tell everyone I know. Customers beware they are not worth it!

They were very helpful with my claim and very efficient and easy to deal with over the phone they came straight to my rescue and changed my tyre for me and I also had a chip repair done on my windcheater and they booked me into O'Brien's glass and the next day job was done too easy.

BEWARE agreed value on comprehensive car insurance with RACV reduces every year. RACV does not state this in their PDS nor explain how they work out the reductions. I found when claiming on the policy that the agreed value on my son's car reduced from $11000 to $4650 in 2 years. RACV Customer Relations didn't care that we have been RACV members for over 30 years. I have cancelled all our insurance policies with RACV.

STAY AWAY from RACV Insurance Scam Company. You have been warned!!! Disgusting company!!! They are related to IAG & ARL as well.

Extremely unprofessional and intimidating experience with an RACV roadside assistance driver. On 07/09/2025 at CS Square parking lot, I was waiting for a car to leave a space when a yellow RACV truck (reg: 1WX 3LL) reversed aggressively towards me and the driver confronted me rudely, accusing me of blocking an emergency vehicle. He never asked me to move and instead blocked the car I was waiting for. His behavior was hostile and threatening. I have dashcam footage of the incident.

If I could give RACV Insurance zero stars, I would. When disaster struck and I needed them the most, they abandoned me. Days of waiting turned into weeks of excuses, endless phone calls, and being passed from one department to another while my situation only got worse.

I felt helpless, unheard, and treated like a nuisance rather than a paying customer. The stress, sleepless nights, and emotional toll they caused me is something I would never wish on anyone. RACV claims to be there “when you need them” – but when I needed them, they vanished.

This isn’t just poor service, it’s cruelty disguised as professionalism. Choosing RACV was one of the worst decisions I’ve ever made, and I will never forgive the way they treated me.

I paid up for Gold Class and have been waiting for my membership card for fuel discount for about 6 to 8 weeks,, Got told today that they will issue another one and should arrive in another 6 to 8 weeks,,, and they call it Gold Class!!! Fools Gold Class more like it

Why do we have to pay for such terrible service. Honestly, it's just theft

RACV Landlord Insurance – A Masterclass in Exclusion, Not Protection

If you’re thinking about insuring your investment property with RACV, do yourself a favour and read the fine print – then run. This so-called “landlord insurance” is less about protecting you and more about crafting every possible loophole to avoid paying out on even the most basic landlord claims.

Compared to industry leaders like Terry Sheer or Property Insurance Plus, RACV’s coverage is embarrassingly inadequate. Simple, everyday risks that other insurers automatically include are conveniently excluded or buried under conditions so restrictive that they might as well not exist. Things like:

Tenant damage – RACV’s definitions and requirements make it almost impossible to claim unless you’ve ticked every one of their microscopic boxes. Terry Sheer and PIP? They cover this without the acrobatics.

Loss of rent – With RACV, you’re lucky to get a cent unless you follow their overly rigid process and meet unrealistic timelines. Competitors offer broader, simpler, and more reliable loss-of-rent coverage.

Theft or vandalism by tenants – Other providers cover this as standard; RACV prefers to pass the buck.

Malicious damage – Often capped, limited, or excluded entirely, depending on their interpretation. With others, you know exactly what’s covered.

Their policy documents read more like an exercise in legal gymnastics than a genuine commitment to protect landlords. RACV’s marketing implies peace of mind; the reality is you’ll likely end up paying premiums for years only to discover your “protection” is a hollow promise.

In an industry where specialist providers like Terry Sheer and Property Insurance Plus have built reputations for clear, comprehensive coverage, RACV’s offering feels outdated, stingy, and hostile to the very customers it’s meant to serve.

Bottom line: If you want real protection for your rental property, look elsewhere. RACV’s landlord insurance is more like a subscription to disappointment.

The Worst Property Insurance Company We've Ever Dealt With!

We had two properties damaged by severe storm events (officially recorded by the Bureau of Meteorology).

1. For one property, the insurer initially denied the claim, citing "wear and tear", yet they failed to provide sufficient evidence. They then sent two more inspection teams with consultants (costing them even more), making every effort to argue the damage was due to non-compliance. They assessed an older home using current building guidelines, which is both unreasonable and misleading.

2. For the second property, they refused to carry out repairs and instead offered a settlement worth only 1/7 of the actual repair cost.

Their priority is profit, not protecting your property. Think twice before trusting them with your insurance needs.

I was in a hit and run car accident in December 2024. A person hit me at high velocity, forcing me to hit the car in front. I filed a police report and a TAC report. I reported this to my insurer (RACV). As of 22nd July 2025, RACV have tried to blame me for the accident even though my police report, car photos and an independent witness supported my facts of the collision. By law, the person causing the accident in a multi car pile up (causing each car to hit one another) is responsible. RACV failed in their due diligence in conducting a through and proper investigation. If they had done this, they would have realised i was a victim just like the person I was forced to hit. I would not recommend RACV for their lack of procedural follow-up (including its now 8 months later),
poor customer service and being an expensive product for comprehensive that lacks important inclusions.

What a rip off RACV. Apparently if your car gets written off (not our fault) and you have agreed value they still take the whole years policy value off the final figure even though you haven’t used it. Great way to treat your loyal customers. NOT. What’s the point in having agreed value when you are not going to get it 🤬🤬🤬

My parents car was stolen and written off. RACV paid out for the car but refused to refund the premium that had been paid for 12 months only days before the theft! So don’t pay them 12 months up front! RACV how about you refund them the 11 months of premium paid!!!

I simply followed the RACV prompts to make an a general enquiry about car insurance. Firstly, the prompts ask me for my birthdate. How is this necessary? When I finally got through to a human, I was asked my name (which I gave) and then was asked for my surname. I declined and the RACV sales/operator (named William on 27/06/2025 3.50pm) said he could not continue the call if I dont provide a surname. I explained I was simply wanting to ask a general question about insurance, not get a quote or make a claim or buy a product. William over talked me, was somewhat abrupt and rude, and made me feel unvalued. This made me upset, so I hang up. I hope your QA team review the recorded message and stand by the customers and provide training to your call operators (or at least William!). That single interaction has convinced me RACV is not the company I want to be involved with again.

RACV has been in the market for too long and as today they have no interest in retaining any of their loyal members for decades with them. The first contact person on the phone almost have been coached and told they don’t have to negotiate with anyone including long loyal members in retaining them to stay with RACV.

RACV has used a few of their so called ‘discounts’ in attracting their long term customer to stay with them.

In reality the discount amount offered adds into your final premium quoted (which is similar with any other insurer offers without any discount), the amount shows RACV cost much more expensive even the discounts of more than $500 have applied to the final premium offered. It is ridiculous that RACV frontline employee on the phone persisted and insisted they have no interested in retaining a customer who has been with RACV for 46 years as they no longer keen to further negotiate the deal with the customer but was asked to go elsewhere.

I have not witnessed or knew any organisation has been so long in the market and has grown so big as today is not keen to retain any of their existing member but asked the long loyal customer to go else where.

if this is the case, I wish them luck as time will tell how long more RACV still can be around.

I am incredibly disappointed with the ongoing lack of accountability and response regarding damage caused to my vehicle by a tow truck engaged through RACV. The incident occurred on 14 April, when RACV was called to tow my car from a staff parking area due to a tyre issue. During the towing process, the tow truck driver hit my vehicle, causing visible damage.

I reported the incident promptly and have followed up multiple times over the past several weeks. Despite back-and-forth communication, I have still not received any resolution. I even provided video evidence from the premises’ CCTV clearly showing the tow truck driver hitting my car – this was confirmed by security staff on site.

Despite all of this, the tow company has been difficult to deal with, and RACV has not taken responsibility or even responded to my latest communications. It has now been over a week since my most recent contact, with no reply or update whatsoever.

This experience has left me extremely frustrated. I expected better service and accountability from RACV and the third-party companies they engage. As a long-time customer, this level of disregard is unacceptable.

Being a loyal customer with RACV for 20 years or more, had a car accident recently, but when trying to do the claim was advised the policy was cancelled due to direct debits being declined. No second option to pay manually to RACV were given, not contacted directly, no sms to mobile,only email. Had few issues missed emails. Now not covered.NOT A GOOD SERVICE NOW. Not looking after the customer.Made complaints directly to RACV.Bobby B and Tanis D Specilists.Same problem not looking after the customer or thinking about them. Following with AFCA now and will go beyond if needed. We had to have an accident to understand how RACV will look after us. The service from few years back to now is terrible. The whole family is effected.Hope RACV will not do the same to any other person.

We tried to call RACV, on their recorded message they state that they expect respect from the caller. If they were a professional organisation the recorded message would not have to have that statement. That statement often gets people upset. They seem to want respect whilst no giving the caller respect by making them wait for 18 minutes before answering the phone.
Public holiday or not is not excuse for poor service. RACV has been going since the early 1900's, they should have an idea about the number of calls going through on a public holiday.
RACV please be respectful of our time.
Thank you.

Do not buy car insurance with RACV. After a month of waiting and been calling them multiple times, I experienced the worst service ever. I have been spoken to inexperienced staff with no knowledge and no sympathy who keep saying they don’t know what to do. The access fee was paid, they still charge the direct debit but no service was offered. Super disappointed with RACV!!!!