RACV roadside assistance review

RACV’s roadside assistance offers premium cover with strong benefits - but the price point may put some drivers off.

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By

Nicola Middlemiss

Updated

Fact checked

Our verdict

Pros

  • Unlimited call outs and no joining fee on all levels of RACV cover
  • Up to $2,400 in benefits per incident, if you're over 100km from home
  • Total Care also covers bicycles, ebikes, mobility scooters, and electric wheelchairs

Cons

  • RACV's Total Care policy costs $315 a year, which is more than many other brands.
  • Maximum of 100km towing, even in rural and regional areas
  • Policies are only available to drivers living in Victoria or in a Victorian border town

RACV roadside assistance options

RACV roadside assistance has a variety of options. Notably, you don't need to hold car insurance with RACV to get roadside assistance.

OptionsCost per yearJoining feeCallout limitsNeed to hold a policy with them?Lockout / Lost keyOut of fuelBreakdown towing
RACV Roadside Care
$134
No joining fee
Unlimited
No
$200
Yes
Up to 20km in metro or to attending RACV Service Centre in rural areas
RACV Extra Care
$222
No joining fee
Up to 60km in metro or to attending RACV Service Centre in rural areas
No
$300
Yes
Up to 60km in metro or to attending RACV Service Centre in rural areas
RACV Total Care
$315
No joining fee
Unlimited
No
$350
Yes
Up to 100km

This information is accurate as of April 2025

RACV's cover is stronger than many other roadside assistance brands, but drivers will have to pay higher premiums for the higher-end benefits.

CompanyCost per yearJoining feeCallout limitsNeed to hold a policy with them?Lockout / Lost keyBreakdown towing
$315
No joining fee
Unlimited
No
$350
Up to 100km in both city and in rural areas
$323.88
No joining fee
Unlimited
No
$200
Up to 100km in metro, country(or back to attending Country Service Centre) and remote areas
$89.95
No joining fee
Unlimited
No
$125
20km in the city, 50km in other areas
$86
No joining fee
Not mentioned
Yes
$250
20km in the city, 100km in rural areas
GIO logoRoadside Assist
$95
No joining fee
Unlimited
Yes
$250
20kms up to 100kms from the breakdown location

This information is accurate as of April 2025

FAQs

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Journalist

Nicola Middlemiss is a journalist with nearly a decade of experience in personal finance and insurance. She has contributed to Domain, Yahoo Finance, Money Magazine and Insurance Business Australia, offering in-depth insights into commercial insurance in the Australian market. Nicola holds a Bachelor’s degree in English from the University of Leeds and a Tier 1 General Insurance (General Advice) certification, which complies with ASIC standards. See full bio

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Nicola has written 243 Finder guides across topics including:
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  • Personal insurance, including car, health, home, life, pet and travel insurance
  • Commercial business insurance
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2 Responses

    Default Gravatar
    GeorgeOctober 26, 2023

    Does my Road Service membership entitle me to discounts at RACV venues such as Goldfields Ballarat? If so, what discount applies to accommodation and also meals/dining?? ie., dinner & breakfast
    I hold a Gold card, Regards George Pike

      AvatarFinder
      SarahOctober 26, 2023Finder

      Hi George,

      Yes, your membership entitles you to members pricing when booking RACV resorts. The exact discount depends on the resort and the terms of conditions that apply at the time of booking, but it is usually around 10%.

      RACV Members may also be entitled to enjoy additional benefits such as a bottle of wine, free in-room movies or additional $50 resort credits, depending on the promotion you book.

      Hope this helps!

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