Imagine this; You are cruising down the Great Ocean Road-soaking up sunshine-in Japan-only to suddenly have a kangaroo jumping out at you! Well, accidents do happen and good car insurance comes in here. One such well-known name in Australia is RACV, which offers many more insurance options. This article will break down RACV car insurance and help you comprehend your choices and select the best among them.
Understanding Your RACV Car Insurance Options
RACV has different types of plans for car insurance to suit your needs. Let’s check them out.
Comprehensive Car Insurance
This is the most complete protection one could acquire. Comprehensive car insurance mainly covers all sorts of damage that can involve an accident, theft, and even vandalism of your car as well as damage that you might cause to another person, their vehicle, or property. If you wish for peace of mind, this usually is a good choice.
Third Party Property Damage Insurance
This kind of insurance is all about other people, really. If you have an accident and damage another person’s vehicle, then the costs of repairing the damage are met by this insurance. It does not pay for the damage done to your own vehicle. It is a more simplified version but fulfills the minimum legal requirements.
Third Party Fire and Theft Insurance
This type covers you with more than just property damage. It also covers the other damage you might do to other people’s property, plus theft of or fire damage to your own car. It’s a type of policy for those that want a little more value to their own peace of mind and a little less to have to shell out.
Key Benefits of Choosing the RACV Car Insurance
Choosing the right insurance company is indeed a big decision. RACV comes with some good perks.
RACV Member Benefits
Generally, RACV members get special discounts in car insurance policies. Access to other exclusive member services and rewards are also gained. Membership can save you real bucks.
24/7 Claims Assistance
Accidents can occur anytime, with no respect for office hours. RACV, however, can be useful with 24/7 claims assistance. Just whenever you may need help, you may find it along the way, as support will guide you through the claims process.
Optional Extras and Add-ons
You can add some add-ons to your RACV policy so that you can tailor the cover according to your needs. If you had a flat tire or ran out of gas, roadside assistance would be of help. Windscreen cover saves you from having to pay for a replacement of a cracked windshield, while rental car cover provides a temporary vehicle for when yours is being serviced.
Factors Affecting Your RACV Car Insurance Premium
The price at which you purchase your car insurance is not arbitrary. There are a lot of factors that determine the cost of premiums.
Driver Profile
So you see, by and large, it would be you-the age, face history, and where you live. Younger drivers and those with previous accidents usually pay relatively high rates. Car thieves also tend to be more tempted to rob an area.
Details about Vehicle
Make, model, and age of car will also play a role. Portions of the car are premium in that it is expensive and popular among thieves. Cars with more advanced safety features might be eligible for reduced premiums.
Excess Options
The excess is the amount you pay out of pocket when you make a claim. Generally, the higher the excess, the lower the premium. On the contrary, if you go for lower excess, it means you will have to pay less to claim, but the premium will be increased.
How to Claim with RACV Car Insurance
Know what to do after an accident and it can make a very big difference. Here is the way to seek a claim with RACV.
Report an Incident
After an accident, check on all for safety. Notify police when injuries have occurred or severe damages are suspected. Exchange details with the other driver such as name, address, and insurance details.
Claims Process
Report the incident to RACV at the earliest. They will now want all details regarding the accident and back-up documents such as police report, or photographs. They will assess if the damage is feasible and organize the repairs. In most cases, they will have you go with your repairer but will have the choice of using one in the network of RACV.
Tips for the Best Deal on RACV Car Insurance
You always win when it comes to saving money on car insurance. Here’s how to get the best deal from RACV.
Comparison of Quotes
Make comparisons of rates from RACV with amounts from other insurers so you can make sure that you are on competitive rates. All complicated work is available in online comparison tools.
Adjustment to the Excess
Determine what you are willing to pay out of your pocket should you have an accident. Adjusting your excess can do a great deal for your premium charging.
Bundle Policies
RACV may give discounts for joining home insurance and car insurance at once. Inquire into such options to see if you can save some money.
Conclusion
RACV car insurance offers several alternatives to keep you safe while driving. Learning about the different types of coverage, their key benefits, and the factors that impact your premium helps you to make an informed decision. Select those that apply best to your demand and wallet. Do not lose time! Go to the website or call an agent now for your personalized quote.
