Today's drivers expect more from their car insurance than just a payout. Savvy consumers are looking for insurers that reward loyalty and genuinely put members first – not just at claim time, but throughout the entire ownership journey.
Independent comparisons like WeMoney's Car Insurance Awards help identify policies that deliver meaningful value beyond the basics. This guide breaks down what "member-focused" car insurance really means, using WeMoney's pick for Best Member Benefits – RACV Car Insurance – to show what it looks like in action.
'Member-first' insurance means prioritising support, value and benefits that extend well beyond policy basics. The markers include helpful customer support when you need it most, perks and discounts that add value to everyday life, meaningful extras that cover the "what ifs" and flexible options that adapt to how you actually use your car.
When comparing policies, look beyond lowest cost. Look for insurers that invest in features that make a genuine difference to your experience as a policyholder.
The true test of any car insurance policy is how it performs after an accident. When you're dealing with the shock and stress of a crash, immediate, practical help matters most — whether that support comes in person, over the phone or online.
What to look for:
• Hire car availability. Choose a policy that provides a hire car when you genuinely need one, ensuring you stay mobile while repairs are underway.
• Any driver, covered. Look for policies that cover other licensed drivers who drive your vehicle.
• Emergency transport or accommodation. Quality policies cover the cost to get you home or provide accommodation if you're stranded overnight.
• Towing and immediate assistance. Coverage that gets your car to a safe place or repairer without unexpected out-of-pocket costs.
• Claims support. Member-first insurers offer support across multiple touchpoints including in-branch, call centre, digital self-service and dedicated member relations teams so help is accessible in the way that suits you best.
How RACV delivers:
RACV provides support across multiple channels, so help is available when and how members need it. Find multiple RACV stores across Victoria, members can access face-to-face assistance, while support is also available over the phone and through the RACV App, where members can manage policies, access benefits and get help digitally.
RACV's Comprehensive Car Insurance provides hire car cover for not-at-fault collisions or theft – up to $60 per day for 21 days maximum for theft, with no limit for not-at-fault collisions*. Any licensed driver who meets policy conditions will be covered when driving a car with an RACV Car Insurance policy¹. Members also receive up to $1,000 in total for emergency accommodation and transport for you and your passengers if your vehicle is damaged in an incident more than 100km from your home in Australia and cannot be driven. Comprehensive also includes new-for-new car replacement where available if your vehicle is up to two years old and is considered a total loss², along with up to $500 for personal items if they’re stolen with your vehicle or damaged in an incident (some exclusions apply).
RACV's Complete Care® Car Insurance offers hire car cover for any insured incident until the vehicle is fixed or the claim is settled — up to $100 per day for all incidents, with no limit for not-at-fault incidents*. It also includes increased emergency transport and accommodation cover of up to $1,500 in total for you and your passengers if your vehicle is damaged more than 100km from home and cannot be driven, along with up to $800 for emergency repairs. Complete Care® extends new-for-new replacement where available to vehicles up to three years old after a total loss² and increases personal items cover to $1,000 if they’re stolen with your vehicle or damaged in an incident (some exclusions apply).
Look for insurers that don't just take your payment year after year – but that actively reward your loyalty.
What to look for:
• Growing loyalty discounts. Discounts that increase the longer you stay, recognising and rewarding customer loyalty.
• Multi-policy savings. Genuine savings when you bundle multiple insurance products.
• Everyday partner discounts. Access to savings on groceries, fuel, entertainment and travel.
• Exclusive experiences and offers. From accommodation discounts to entertainment deals.
How RACV delivers:
When you take out RACV Car Insurance, you automatically become an RACV Member, unlocking a range of benefits, everyday savings and perks.
Years of Membership Benefit program^#:
• Bronze Member (5-9 years): 5 per cent discount on eligible RACV products
• Silver Member (10-24 years): 10 per cent discount
• Gold Member (25-50 years): 15 per cent discount
• Gold 50 Member (51+ years): 20 per cent discount
Multi-policy discounts^: Take out two or more eligible RACV Insurance policies and save up to 10 per cent on each.
Access to over 3,000 partner discounts across fuel, groceries, entertainment, travel, retail and motoring – all accessible through the RACV App with a digital membership card.
The real test of member benefits is whether they make a tangible difference to your daily budget. Look for insurers that provide access to savings on purchases you make every week.
What to look for:
• Fuel savings you can use daily. Consistent fuel discounts at convenient locations.
• Grocery and retail discounts. Access to savings at major retailers where you already shop.
• Entertainment value. Discounted movie tickets, attraction entries and event access.
• Easy access and redemption. Simple discount activation through a single app or membership card.
How RACV delivers:
• Fuel savings: 5¢ per litre discount at EG Ampol co-branded service stations. For someone filling up 50 litres weekly, that's approximately $130 per year in savings. Activate in the RACV App and redeem within 15 minutes or scan your membership card. The discount can be stacked with Woolworths Everyday Rewards and EG Ampol discounts.
• Grocery discounts: Regular savings at Woolworths and Big W.
• Entertainment: Save up to 30 per cent on movie tickets at Village, Hoyts and IMAX4. Members also get 10 per cent off attractions including SEA LIFE Melbourne Aquarium, Puffing Billy and Peninsula Hot Springs4.
• Shopping perks: Access discounted eGift cards for over 40 leading retailers.
Member-focused insurance should enrich your life beyond claim moments. Look for insurers that provide travel benefits and lifestyle perks you actively enjoy throughout the year.
What to look for:
• Accommodation discounts. Significant savings on hotels, resorts and holiday accommodation.
• Travel package deals. Exclusive offers on tours, cruises and holiday packages.
• Experience discounts. Access to attractions and activities at member-only rates.
How RACV delivers:
RACV Resorts: Members save up to 25 per cent on accommodation at RACV Resorts across Victoria, Tasmania and Queensland all year round when booking direct³. From coastal escapes in Noosa and Torquay to country retreats in the Yarra Valley, this discount alone can save families hundreds of dollars per holiday.
Travel partner discounts:
• 10 per cent off Spirit Tasmania passenger fares.5
• 10 per cent off Britz, Maui, Apollo and other campervan brands.6
• 5 per cent off at Mantra Hotels (over 130 locations worldwide).
• 10 per cent off NRMA Parks and Resorts accommodation.
• 15 per cent off RACV Travel Insurance.
• 10 per cent off pet boarding at Hanrob Pet Hotels.7
Experiences: Through RACV's ClubConnect platform, members access over 3,000 experiences across Australia and New Zealand with discounts.
The best member benefits are only as good as your ability to access them. Member-focused insurers provide intuitive digital platforms that make managing your policy and benefits effortless.
What to look for:
• Digital membership card. Instant access without carrying a physical card.
• One-tap discount activation. Activate offers directly from your phone.
• Integrated claims and policy management. Manage everything in one place.
• Real-time benefit tracking. Easy visibility into available discounts.
How RACV delivers:
The RACV App brings your entire membership into your pocket:
• Digital membership card for instant benefit access.
• One-tap EG-Ampol fuel voucher activation (valid for 15 minutes).
• Over 3,000 partner offers at your fingertips.
• Integrated policy management with payment options and renewal reminders.
• If you purchase to Emergency Roadside Assistance, you can get access 24/7.8
• Fuel price comparison to find the cheapest options.
• 10 per cent member discount at participating Chargefox ultra-rapid RACV charging stations across Australia.
Comparison tools like WeMoney help highlight policies with strong member benefits by breaking down features side-by-side. Don't just compare price – compare the complete value proposition, including loyalty rewards, everyday savings, travel benefits and digital convenience.
When comparing insurers, look for car insurance that isn't just ticking boxes. It's about knowing you're covered when the unexpected strikes and feeling valued through meaningful benefits that enrich your everyday life. RACV Car Insurance exemplifies this member-first approach – delivering comprehensive coverage when you need it, while rewarding your loyalty through discounts, everyday savings on fuel and groceries, travel benefits at RACV Resorts and seamless digital access to over 3,000 partner offers. The best way to find the right policy? Compare your options, examine the features that matter most, and choose cover that works as hard as you do – both at claim time and every day in between.
Terms, conditions, exclusions, limits and sub-limits may apply to the cover described. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the RACV Car Insurance website for further information before making any decisions. The information provided is general advice only. Before making any decisions please consider your own circumstances and the Product Disclosure Statement and Target Market Determination. For copies, visit racv.com.au. As distributor, RACV Insurance Services Pty Ltd Licence No. 230039 receives commission for each policy sold or renewed. Product issued by Insurance Manufacturers of Australia Pty Ltd ABN 93 004 208 084 AFS Licence No. 227678.
*RACV Insurance will pay hire car costs after a collision with another vehicle if RACV Insurance is satisfied you’re not at fault and you provide the details of the at-fault driver, including their name and residential address.
¹Provided they meet policy conditions and have your permission to drive your vehicle. Additional excess applies to drivers under 25 or with less than 2 years’ driving experience.
²If you purchased a new or demonstrator vehicle weighing less than 2.5 tonnes, RACV Insurance considers it a total loss, a similar replacement vehicle is available in Australia and any credit provider noted on your Certificate of Insurance agrees. Further conditions apply. See the Product Disclosure Statement for details.
#RACV Years of Membership: at 5 years Bronze cardholders receive a 5% discount, at 10 years Silver cardholders receive a 10% discount, at 25 years Gold cardholders receive a 15% discount and at 51 years Gold 50 cardholders receive a 20% discount.
^The Multi-Policy Discount and Years of Membership Benefit exclude Travel, Business and Farm Insurance products. To qualify for the Multi-Policy Discount, you must hold two eligible RACV Insurance policies. For further details, see the Premium, Excess and Discounts guide at racv.com.au. Discounts will only be applied until any applicable minimum premium is reached. On renewal, any increases or decreases in your premium may be limited by factors such as your previous year's premium. You may not save more with more eligible policies and by staying with RACV Insurance longer if a minimum premium is reached, or limits have been applied to increases or decreases in your premium.
³T&Cs apply. Subject to availability. For full T&Cs visit racv.com.au/resorts
4T&Cs and exclusions apply, see racv.com.au/membership for details
5Terms and conditions apply. Offer applies to new bookings only. RACV Members must book these fares direct with Spirit of Tasmania by using this page. Discount excludes Deluxe Cabins and vehicle fares. To qualify for this discount you must be a current RACV member. Members of Auto Clubs other than RACV are not eligible. A valid RACV membership card must be presented at the time of check-in. Discount cannot be used in conjunction with another special offer or Red Hot Deal.
6Terms and conditions apply. 10% off applies when booking through RACV for travel in Australia and New Zealand. Rates are per calendar day and include unlimited kilometres, RACV member discount, 10% GST and 3% administration fee. Minimum rental period is five days, or 10 days between 20 December and 10 January, and will vary for one-way rentals depending on location. Rates exclude Liability Reduction Option. Rates are subject to change without notice. All THL Terms and Conditions apply.
7RACV members save 10% off recommended retail price. Must be a current RACV member. Subject to availability. Offer applies to classic dog and cat accommodation or pet suites only. Cannot be used in conjunction with any other offer. Must book online. Non-refundable, non-transferable, and not redeemable for cash. R.A.C.V. Finance Limited ABN 82 004 292 291 Australian Credit Licence No. 391488. RACV Finance is subject to RACV lending criteria. Conditions, fees and charges apply.
8RACV Emergency Roadside Assist is a breakdown support service, separate to insurance, that is provided by Royal Automobile Club of Victoria (RACV) Ltd and not RACV Insurance Services Pty Ltd. Emergency Roadside Assistance does not insure you against the costs of a car accident and is not a motor insurance product. Refer to the RACV Emergency Roadside Assistance Terms and Conditions for more details.
ABN: 88 633 007 860 WeMoney Pty Ltd
All rights reserved.
Built with ❤️ in Australia
Australian Credit Licence (ACL): 526330
WeMoney acknowledges and pays respect to the past, present, and emerging Traditional Custodians of the land in which we live and work.
.png)
