RACV offers pro-rata refunds on unused insurance premiums if you cancel mid-policy (unless you’ve made a total loss claim). A cooling-off period (usually 21 days) applies for most insurance and travel policies, allowing a full refund if no claims have been made.

Memberships and roadside assistance are non-refundable once paid (no pro-rata refund for unused months). Instead, memberships may be transferred to another state’s auto club if you move.

Travel bookings and tours (like RACV Resorts and ClubConnect experiences) are refundable only within specified cancellation windows - usually 2–7 days before the booking date. After that, fees apply or refunds may be denied.

1. Cancel the product – Log in to your RACV account or call 13 72 28 to cancel insurance, travel bookings, or memberships.
   
   
2. Booking cancellations – Use the RACV website or call the resort/tour provider directly.
   
   
3. Provide details – Have your policy or booking reference, personal ID, and payment info ready.
   
   
4. Travel insurance refunds – During COVID, RACV used a special online form for refunds. Similar manual steps may apply now.
   
   
5. Submit request – Cancellations usually trigger refunds automatically. ClubConnect refunds may require a form submission.
   
   
6. Confirmation – You’ll receive email confirmation when your refund is processed. If not, follow up with RACV.
   

• Insurance refunds – Typically processed within 3–10 business days after cancellation.
  
  
• Travel insurance (COVID-related) – Up to 3–6 weeks depending on manual review.
  
  
• Accommodation & tours – Often refunded within 2–5 days of approval.
  
  
• Memberships – Generally non-refundable, so no refund timeline applies.

Always check with RACV if you haven’t received confirmation or funds after the expected window.

• 💳 Credit/debit card – Most refunds go back to the original card used.
  
  
• 🏦 Bank transfer (EFT) – Used for insurance and COVID travel refunds; requires BSB and account number.
  
  
• ✉️ Cheque – Rare, but may be issued if card details are invalid or policyholder is different.
  
  
• 🔁 No cash or store credit – Refunds follow the original payment path for security reasons.

Make sure your details are up to date, especially if your card/account has changed.

• ❌ No refund on memberships – Once paid, RACV roadside and club fees are not refundable.
  
  
• 👤 Refund sent to someone else – If the policyholder differs from the payer, the refund goes to the policyholder.
  
  
• 🕒 Delays – Travel insurance refunds can take weeks. Follow up if no response after 6 weeks.
  
  
• 📋 Not reading terms – Some customers miss non-refundable booking conditions.
  
  
• ☎️ Confusion about process – Use RACV’s official app/website or call during off-peak times for best results.