RACV car insurance covers the usual Aussie suspects: Comprehensive, Third Party Property, and Third Party Fire & Theft, with optional extras to suit your risk appetite and parking luck.
In Victoria, CTP is handled via registration (TAC), so RACV is for the bits that protect your car and wallet, not the compulsory stuff. Expect Comprehensive to land roughly between AUD $800–$2,000+ per year (driver age, suburb, car, excess, and options matter), while Third Party can be a few hundred bucks. Look for perks like windscreen cover, hire car after an accident, and potential member discounts—useful when life backs into your bumper. Compare limits, excesses, and inclusions, then pick what lets you sleep without dreaming of panel beaters.
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