RACV Opiniões 

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!!!!

My experience with RACV Insurance has been extremely disappointing. Despite paying all my premiums on time, when I actually needed support and a claim payout, they were unhelpful and dismissive. The promises made at the time of signing the policy were not honored at all.

I feel misled and let down by this company. Their lack of transparency and customer care was shocking, and I honestly feel like I was taken advantage of.

I strongly do not recommend RACV Insurance. Please do your research and be cautious before signing any agreement with them — don’t let the same thing happen to you.

I called RACV for attendance at home to replace a battery. A technician arrived within the specied time frame which was fine. However, he had a quick look at where my battery was located and said he could not replace it. I found Marshall Batteries online when searching on instructions for removal of my battery. They came out after hours on the same evening. Unfortunately the car used security bolts on a part that needed to be removed to removed the battery so they could not replace that night. They came out the next day with a proprietary ranger rover tool and replaced the battery with no problem.

After nearly 10 years with RACV, I expected some actual reward for loyalty. Turns out it means nothing. My renewal came in way higher than expected, and even after calling them, they couldn’t come close to Youi’s offer, despite my clean history and long-term membership.

Their “loyalty” program is a joke, and those member benefits are just a nice way to justify higher costs and cover the wages of underpaid staff. You’re not getting value, you're just funding their rigged system.

RACV might not be the worst when it comes to claims, but if they can’t look after long-time customers, what’s the point? I’ve jumped ship to Youi and saved straight away.

Don’t fall for the loyalty spin, check your options every renewal and make them earn your business. Never coming back now and I'll be sure to make sure my family and friends don't either.

For a supposedly trusted brand in Australia, I am appalled by my recent experience with RACV.

We submitted the claim on Jan 1st and 4 and a half months later, we're still waiting to get our claim settled. I have spent hours on the phone to RACV to get updates, as otherwise we dont hear from them. 4 months in, I called RACV and requested for our claim to be settled by end of April and the person that I spoke to said that I will get an update by the next day. I haven't heard from them since.

Last week, I sent an email yet again to get an update. I still haven't heard back. Note that RACV was quick to increase our premium but obviously don't see urgency in settling our claim. We have been an RACV member since we moved to Australia, with both our home and contents and car insurance with them and it goes without saying that we are moving to a different provider, along with our extended families who are also with RACV.

Please consider a different insurance provider.

Following a flooding incident at my home, RACV house and contents insurance were amazing. They had the place secured and assessors out quickly. They were very reassuring and explained everything clearly to me. The building company JP Flynn, were also very efficient and helpful. I will be staying with RACV for all of my insurance needs.

RACV INSURANCE IS A FRAUD – DO NOT TRUST THEM

RACV is a disgrace to the insurance industry. What they’ve done is not just dishonest – it borders on criminal deception. They’ve lied, breached their own policy, and treated me like a fool.

According to their own insurance policy, I was entitled to a brand new replacement vehicle of the same make, model, engine size, equipment level, and paint type – INCLUDING factory options and accessories. That’s black-and-white in the policy. But when it came time to honour that promise after my vehicle was written off, RACV deliberately provided a cheaper, downgraded substitute, missing essential features like roof rails and PU leather seats – both of which were part of the original car.

That’s not a minor oversight. That’s a blatant breach of contract. It’s not a replacement. It’s bait and switch.

Worse still, they refused to make it right. No offer to fix the issue. No offer to let me pay the difference. Just a smug, dismissive “take it or leave it” attitude. Utterly disgraceful.

Let’s be crystal clear:
🚨 They violated Australian Consumer Law

Section 54: The car is not fit for purpose without the key features I originally had.

Section 56: It is NOT a “like-for-like” replacement.

Section 18: This is 100% misleading and deceptive conduct.

They sold me a promise and then broke it without consequence, thinking they could hide behind red tape and legal jargon. RACV’s behaviour is rotten to the core, and I’m calling it what it is: a scam.

I’ll be escalating this to AFCA, Fair Trading, and every review site possible. If you’re reading this and still thinking about choosing RACV – ask yourself this:
Can you really trust an insurer that lies to your face and rewrites the rules when it benefits them?

I’ll never trust RACV again. Neither should you.

As a member for almost 50 years, I have never had a complaint until today. A jump restart involved multiple telephone calls, (left waiting on hold for 15 minutes, call cut outs, wrong directions apparently, five call-outs registered for the first call).
I was given a 40 minute estimate and then an hour later after registering my disappointment, I was told I should have been quoted 40-70 minutes.
The attending service person was excellent but the call centre was pleasant but awful.

Had to change from RACV membership too Youi as it was so much cheaper for all insurances to be combined.Even tho l had just paid up a full year to racv they refused a refund.

After being a roadside assistance member for 23 years, apparently they don’t care about their loyal long term customers at all, and we are nothing to them. I do not recommend and would never use any of their services again

Member for 22 years. I believe the companies has too many legacy problems customer service is appalling really saddens me that they have become so bad not updating information. Impossible phone service or you would do better to move on and find a reputable come.

RACV what a joke of a insurance company I had car trouble called up to put 2 year cover that they recommended then called up to get it upgraded to total care because I have 5 vehicles and they said they can’t cancel my existing policy and I have to pay all over again! So ridiculous and very shifty! I wasted 2 years blue cover for nothing !

An average 2 hour wait..
On top of that, I've called them twice in the last 2 years. The first time I needed a jump start after I left my light on all night. The guy who came out told me my battery was 100% dead and that he had a cousin who could sell me 'a cheap one'. I disregarded him, and asked for a jump start anyway.
A year later, I'm still using the same 'dead' battery.
They're scums.

RACV Insurance Review – Disappointing Experience

I had a disappointing experience with RACV Insurance and would not recommend it. The customer service was slow and unhelpful, making it difficult to resolve issues efficiently. The claims process was frustrating, with unnecessary delays and a lack of clear communication.

Additionally, the policy coverage did not meet expectations, with hidden exclusions and unexpected costs. For the price paid, I expected far better service and support. There are definitely better insurance providers out there that offer more transparency and reliability.

I would strongly advise looking at other options before choosing RACV

Called RACV with a few questions about logging in and adding a new driver to a vehicle and Hailey was super helpful, knowledgeable and professional! Thank you :)

After many years with RACV it is time to move to another insurance company. Our policy increased over $1200 (The loyalty tax). We called to negotiate a better deal only to be told by a rude and condescending customer service representative that the only way to lower the premium was to lower the insurance amount. RACV have already underinsured our home by $300,000! RACV ripping off consumers.

Warning to luxury car owners: avoid this insurance company at all costs! Despite paying premium rates, their claims process is abysmal.
I've been waiting for a resolution to my claim for over 3 months now, and I'm still stuck in limbo. The lack of communication and updates from their team has been frustrating and unprofessional.
If you value your time and money, do not entrust your luxury vehicle's insurance to this company. The hassle and stress I've endured are simply not worth it.

I am writing to express my profound disappointment with the Home Assist service I received recently. As a loyal RACV member for many years, I have always had high expectations for their service. Unfortunately, my recent experience has led me to question the value of my membership. Last week, I encountered a burst pipe at my home and promptly called for Home Assist. I was assured that someone would be sent to help me. However, upon arrival, the technician parked his van in my driveway for 15 minutes, during which he remained inside texting on his phone. Despite seeing me waiting, he did not engage until he had finished. When he finally approached, he interrupted my explanation of the issue to ask if I had turned the water off, which I had. The technician then proceeded to lecture me about RACV rates and informed me that if I agreed, he would pass my information on for someone else to address the problem. When I inquired about his qualifications to handle the issue, he admitted that he was not qualified and assured me that RACV would call me. As a result, I was forced to call another company because I needed to have the problem fixed. They arrived within an hour, promptly located the burst pipe, and fixed it efficiently and at a lower cost than the quote I received from the Hitler figure in my driveway. As a Gold RACV cardholder, I expected a higher standard of service. Regrettably, this experience has taught me to never deal with the RACV anymore. There are many more professionals to call who offer better service at a more agreeable price.

My daughter was hit by an RACV client…she was not at fault and so far the level of service has been disgusting. Starting with the first call when she was told, you’re not the insured so we won’t do anything - even with the claim number as it was too late to arrange a tow for her vehicle! The following day she called again, first person she spoke to couldn’t speak English and then proceeded to transfer her around the call centre for THREE hours. All saying you’re not the insured so just wait. She eventually spoke to someone who told her to take photos because the car will be written off and they don’t want to pay for towing twice. She took the photos, uploaded them and then heard nothing for a week. Called again and was told she sent the photos to the wrong email address so do it again! She did it again and then nothing for another week, called and was told the car will be repaired but if it is determined that it is a write off she has to pay the vehicle disposal fee!!!!!! She wasn’t at fault yet she has to pay, meanwhile the insured has their car back and has moved on.

The tow truck arrived to collect the vehicle this morning and wanted the details of our insurer…nope, it’s an RACV claim. He then told me he will not be taking it to the repairer, it’s going to be assessed and it will be written off. The assessment is booked for two weeks time…four weeks after the incident! RACV haven’t advised any of this to my daughter, but they won’t repair a 12 year old pristine car they would rather send it to auction and rip my daughter off.

Their attitude is appalling, they don’t care about the driver or the impact and have not once called her or been nice when she has spoken to them…we will get $4k for the car yet to buy one is a lessor condition will cost $12 to $15k. Clearly profit over people and a disgusting carbon footprint because it’s easier to pay the problem away and rip off people who don’t have the ability to have a new car when they get their licence and study - bank if mum and dad has to foot the bill so they can walk away with no care or responsibility