Few things feel as satisfying as knowing you’ve got the right cover before you even need it, and RACV’s online tools now make it simpler than ever to move from a quote to a claim without picking up the phone. This guide walks you through each step—getting a quote, logging in, renewing, and making a claim—so you can manage your policy with confidence.

4 related posts

Phone number for quotes: 13 72 28 ·
Online quote availability: Available ·
Comprehensive insurance option: Yes ·
Multi-policy discount: Available ·
Claims online: Available

Quick snapshot

1Confirmed facts
  • Phone number for car insurance quotes is 13 72 28 (RACV Contact page)
  • Claims can be lodged online, via the RACV App, or on 13 19 03 (RACV Official Guide)
  • RACV offers comprehensive and third-party car insurance (RACV Car Insurance page)
  • RACV provides access to over 90 trusted repair centres (RACV Official Guide)
2What’s unclear
  • Exact premium ranges without providing personal details
  • Claim approval rates or average payout times
  • Specific eligibility criteria for safe driver discounts
  • Multi-policy discount specifics and exact savings amounts
  • Lifetime guarantee terms and what workmanship exactly covers
3Timeline signal
  • Online quote is instant (RACV Car Insurance page)
  • Claims can be started 24/7 via app or website (RACV Claims page)
  • Repairs begin after assessor inspection, usually within days of approval (RACV Official Guide)
4What’s next
  • Check your renewal notice 3–4 weeks before expiry (RACV Help page)
  • Log in to your account to update details or pay (RACV Help page)
  • Contact RACV if your circumstances change to keep cover accurate (RACV Help page)

Five key details that define RACV car insurance, one pattern: a century-old organisation that has firmly moved into digital-first service.

Attribute Detail
Founded 1903
Members Over 2 million
Insurance types Comprehensive, Third Party Property Damage, Third Party Fire & Theft (RACV Car Insurance page)
Contact number 13 72 28 (RACV Contact page)
Online services Quote, claim, renewal, account management (RACV Help page)

How do I get a RACV car insurance quote?

How can I get an online quote?

  • Visit the RACV car insurance page and click “Get a quote”.
  • Enter your details and receive an instant online quote (RACV Car Insurance page).

What information do I need for a quote?

  • Personal details (name, address, date of birth).
  • Vehicle information (make, model, year, registration).
  • Driving history (claims history, licence details) (RACV Help page).

Can I get a quote over the phone?

  • Yes, call 13 72 28 to speak with an RACV representative (RACV Contact page).
Bottom line: RACV’s online quote tool is the quickest path for most drivers. Phone quotes remain a solid backup if you have unique circumstances or prefer a guided conversation.
The upshot

For Victorian drivers, starting online saves minutes and gives you a ballpark figure instantly. The trade-off: you’ll still need to speak with a consultant to confirm multi-policy discounts or adjust excess levels.

The implication: starting online gets you a quick number, but finalising the policy still requires human confirmation for discounts.

What is the RACV car insurance phone number?

Is 13 72 28 the correct number for quotes?

  • Yes, 13 72 28 is the dedicated phone line for car insurance quotes (RACV Contact page).

What are the customer service hours?

  • The claims phone line 13 19 03 is available from 7am to 11pm daily (RACV Official Guide). Quotes line hours may vary; check the website for current times.

Can I use the same number for claims?

  • No, the claims number is 13 19 03. Keep it saved for after-accident support (RACV Contact page).
What to watch

Save both numbers. Dialing 13 72 28 for claims will cost you time when every minute matters.

The pattern: having two numbers prevents confusion, but forgetting which is which is the real risk in an emergency.

How do I make a RACV car insurance claim?

Can I make a claim online?

  • Yes, you can lodge a claim 24/7 via the RACV website or mobile app (RACV Claims page).
  • If logged in, your policy details auto-fill to speed up the process (RACV Claims page).

What documents do I need for a claim?

  • Policy number, personal details, other driver’s information, car registration, photos of damage, and witness contact details (RACV Official Guide).
  • If the incident involved the police, call the Police Assistance Line on 131 444 first (RACV Car Insurance page).

How long does the claims process take?

  • Once lodged, an RACV partner repairer inspects the vehicle and provides a quote (RACV Official Guide).
  • Repairs are authorised quickly, and the work is guaranteed for as long as you own the car (RACV Motor Claims page).
  • Most straightforward claims are resolved within a few days; complex cases may take longer.
Why this matters

The lifetime guarantee on authorised repairs means you don’t pay twice for shoddy work. That’s a clear edge over insurers that only warranty repairs for 12 months.

What this means: the guarantee shifts the risk of poor repairs from you to RACV — a meaningful difference from shorter-term warranties.

How do I renew my RACV car insurance?

Can I renew my policy online?

  • Yes, log in to your RACV account, review the policy details, and click “Make payment” to renew instantly (RACV Help page).

When will I receive my renewal notice?

  • Renewal notices are sent by mail or email about 3–4 weeks before your policy expires, based on your communication preferences (RACV Help page).

What happens if I miss the renewal date?

  • Your coverage may lapse. RACV recommends renewing before the expiry date to avoid a gap. Contact them immediately if you miss it (RACV Help page).
Bottom line: RACV makes online renewal straightforward. Auto-renewal is convenient, but check the premium each year – loyalty alone may not give you the lowest rate.

The catch: letting auto-renewal run unchecked could mean overpaying — comparing quotes annually is the smarter move.

How do I log in to my RACV car insurance account?

What if I forgot my password?

  • Click the “Forgot password” link on the login page to reset via email (RACV Help page).

Can I manage multiple policies from one account?

  • Yes, a single RACV account can combine car, home, and other products for easier management (RACV Help page).

Is there a mobile app for account management?

  • Yes, the RACV App lets you view policy details, make payments, renew, and update your details on the go (RACV Help page).

The implication: a single digital hub reduces admin hassle, but you still need to actively check each policy rather than set-and-forget.

RACV car insurance: features at a glance

Six core features that set RACV comprehensive cover apart from basic third-party policies.

Feature Detail
Coverage types Comprehensive, Third Party Property Damage, Third Party Fire & Theft (RACV Car Insurance page)
Lifetime guarantee on repairs Yes, for authorised repairer work as long as you own the car (RACV Motor Claims page)
Repair network Over 90 trusted repair centres (RACV Official Guide)
24/7 claims Yes, via website or app (RACV Claims page)
Multi-policy discount Available when bundling with home or other products (RACV Car Insurance page)
Online account management Yes, through RACV website and app (RACV Help page)
Excess options Standard excess can be changed at renewal (RACV Help page)
Claims phone 13 19 03 (RACV Contact page)
Quotes phone 13 72 28 (RACV Contact page)

The pattern: comprehensive cover bundles the most value, but third-party options exist for budget-conscious drivers who own older vehicles.

Steps to manage your RACV car insurance

Step 1: Get a quote

  • Visit racv.com.au and click “Get a quote” or call 13 72 28 (RACV Contact page).
  • Provide your personal and vehicle details for an instant online quote.

Step 2: Buy your policy

  • Review the quote, choose your excess, and select optional extras if needed.
  • Complete payment online or over the phone to activate cover immediately.

Step 3: Log in and manage your account

  • Use your member number or email to log in at racv.com.au (RACV Help page).
  • Update addresses, add drivers, and view policy documents within the account.

Step 4: Renew on time

  • Watch for your renewal notice, sent 3–4 weeks before expiry (RACV Help page).
  • Log in, review terms, and pay before the expiry date to avoid a lapse.

Step 5: Make a claim

  • Lodge your claim online 24/7 via the website or app (RACV Claims page).
  • Upload required documents, pay the excess, and an assessor will contact you.

The implication: following these five steps in order covers the full policy lifecycle, but skipping the renewal review is where most drivers lose money.

What’s confirmed and what’s not

Confirmed facts

  • RACV car insurance phone number is 13 72 28 (RACV Contact page)
  • Online quote and claim tools are available at racv.com.au (RACV Car Insurance page)
  • Comprehensive and third-party options are offered (RACV Car Insurance page)

What’s unclear

  • Exact premium ranges without providing personal details
  • Claim approval rates or average payout times
  • Specific eligibility criteria for safe driver discounts
  • Multi-policy discount details and exact savings amounts
  • Lifetime guarantee terms and what workmanship exactly covers

The pattern: confirmed items are basic contact and product facts; the gaps are all around pricing, speed, and fine print — the very details that determine real-world value.

What RACV says about its service

“Get a quote online or call us on 13 72 28.”

— RACV Car Insurance website (RACV Car Insurance page)

“You can lodge your claim online 24/7 – it’s quick and easy.”

— RACV Claims guide (RACV Official Guide)

For Victorian drivers, the choice is clear: use the online tools to save time, but keep 13 19 03 saved in your phone for when you need real-time support after an incident.

Related reading: **Allianz Compulsory Third Party Insurance: Ireland Guide** · **Caravan Insurance Quote: Compare Top Ireland Deals**

Additional sources

racv.com.au, racv.com.au, racv.com.au, racv.com.au, racv.com.au

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Frequently asked questions

What does RACV car insurance cover?

RACV offers Comprehensive, Third Party Property Damage, and Third Party Fire & Theft cover. Comprehensive includes accidental damage, theft, fire, and optional extras like windscreen cover (RACV Car Insurance page).

Is roadside assistance included with RACV car insurance?

Not automatically. Roadside assistance is a separate membership product. You can bundle it with your insurance for a discount.

Can I add a named driver to my policy?

Yes, you can add named drivers online through your RACV account or by contacting customer service (RACV Help page).

What is the standard excess for comprehensive insurance?

The standard excess varies based on your policy. You can change it at renewal to lower your premium (RACV Help page).

How do I cancel my RACV car insurance policy?

Call customer service or log in to your account to review cancellation options. A pro-rata refund may apply (RACV Contact page).

Does RACV offer a no-claim bonus?

Yes, RACV rewards claim-free years with a discount on your premium when you renew (RACV Car Insurance page).

Can I get temporary cover for a new vehicle?

You can add a new vehicle to your existing policy or arrange cover starting immediately online or by phone (RACV Help page).