RACV refund policy – how to claim your money back
Can you get a refund from RACV? Check eligibility first
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.
How to get a refund from RACV
- Cancel the product – Log in to your RACV account or call 13 72 28 to cancel insurance, travel bookings, or memberships.
- Booking cancellations – Use the RACV website or call the resort/tour provider directly.
- Provide details – Have your policy or booking reference, personal ID, and payment info ready.
- Travel insurance refunds – During COVID, RACV used a special online form for refunds. Similar manual steps may apply now.
- Submit request – Cancellations usually trigger refunds automatically. ClubConnect refunds may require a form submission.
- Confirmation – You’ll receive email confirmation when your refund is processed. If not, follow up with RACV.
RACV’s refund timeframe - how long it takes
- 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.
RACV’s refund methods - how you'll get your money back
- 💳 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.
Common refund issues with RACV
- ❌ 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.
Need a refund from RACV? Request it instantly!
Real RACV refund cases – what worked for other customers
$970 insurance refund – A customer cancelled mid-policy after a price hike and received a pro-rata refund quickly.
Membership refund denied – Another member cancelled roadside cover after renewing and was told it was non-refundable.
Avoidable delay – Refunds tied to a closed card were delayed until bank and RACV were aligned.
How RACV Refund Policy Compares to Competitors
- AAMI – Offers similar pro-rata insurance refunds, but may not refund small balances.
- NRMA/RACQ – Like RACV, don’t refund membership fees once paid.
- Allianz/Cover-More – Similar travel insurance terms: refund during cooling-off, no refund once policy active.
- Expedia/OTAs – Hotel refunds depend on provider; RACV Resorts often allow cancellations up to 48 hours in advance.
📌 Summary: RACV matches or exceeds industry norms on insurance and accommodation. Membership refunds remain restrictive but standard.
Official RACV Refund Resources & Links
- 📄 RACV Insurance – Cancellation & Refund FAQs
- 🧳 Travel Insurance Refund Guide – RACV Help & Support
- 🏨 RACV Resorts – Booking Cancellation Policies
- 🎟 ClubConnect Tour/Experience Refund Form
- 📞 RACV Customer Support – Call 13 72 28 or use online enquiry form
- 📜 Membership Terms – RACV Conditions & Cancellation Rules
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