RACV

What RACV does

RACV (Royal Automobile Club of Victoria Limited) is a member-owned mutual organisation founded in 1903 and headquartered in Melbourne, Australia. It provides roadside assistance, distributes insurance and finance products, operates resorts and travel services, runs emergency home trades, and develops property through its wholly-owned subsidiary Altius Property Group. RACV serves more than 1.6 million vehicles nationally on roadside assistance, with a broader Victorian consumer base accessing over 3,000 member benefits, RACV Insurance (motor, home, travel, business, motorcycle, caravan, boat), RACV Finance vehicle loans, RACV Resorts across Victoria, Queensland and Tasmania, the RACV Club in Melbourne CBD, and home services including RACV Emergency Home Assist, RACV Trades, RACV Solar, and home security.

RACV monetises primarily through membership subscriptions, insurance distribution commissions (paid by Insurance Manufacturers of Australia and Insurance Australia Ltd), interest income from RACV Finance vehicle loans, resort and travel bookings, transaction fees on emergency home assist and trades, and one-time revenue from property development via Altius. Distribution combines Victorian retail stores, 24/7 contact centres, a national roadside patrol fleet, RACV Travel stores, and a digital ecosystem built on Salesforce CRM, Adobe Experience Manager, Oracle Fusion Cloud ERP, AWS cloud infrastructure, DataBricks analytics, and the RACV mobile app.

Wholly-owned operating subsidiaries include RACV Insurance Services Pty Ltd, R.A.C.V. Finance Limited, RACV Travel & Experiences Pty Ltd, Altius Property Group, and adjacent technology subsidiaries Intelematics Australia and Arevo. RACV is privately held with no parent company, no public listing, and no external equity funding; it operates for the benefit of its members.

Name

RACV

Legal name

Royal Automobile Club of Victoria (RACV) Limited

Website

https://racv.com.au

Company type

Private

Founded year

1903

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

RACV (Royal Automobile Club of Victoria) is a member-owned Melbourne-based mutual founded in 1903 that provides roadside assistance to over 1.6 million vehicles, distributes insurance and vehicle finance, operates resorts and home services, and develops property nationally through Altius.

Ownership category

akta.pro rank

Headquarters

HQ city

Melbourne

HQ country

Australia

HQ region

Oceania

Offices9 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Marketing or Sales, Technology or R&D

Revenue model

1. Membership Subscriptions: RACV generates revenue through membership fees for roadside assistance and member benefits. Members pay subscription fees for access to roadside assistance, member discounts (over 3,000 benefits), and preferential pricing on RACV products and services.
2. Insurance Products: RACV earns commission as a distributor and referrer of insurance products issued by Insurance Manufacturers of Australia Pty Ltd (motor, home, landlord, vintage vehicle, caravan, trailer, motorcycle, boat) and Insurance Australia Ltd (business and farm insurance). RACV also offers travel insurance through travel insurance partners.
3. RACV Finance: R.A.C.V. Finance Limited provides vehicle financing and loans for personal and business use, generating interest income from car loans and financing arrangements.
4. RACV Resorts and Travel: Revenue from RACV Resorts accommodations, holiday packages, attraction tickets, and travel agency services. RACV operates multiple resort properties across Victoria, Queensland, and Tasmania.
5. RACV Emergency Home Assist: RACV provides emergency trades services including plumbing, with 17,794 plumbing emergencies attended between April 2025 and March 2026. Revenue generated from service fees for emergency home assistance.
6. RACV Solar: Home solar installation and energy services through partnerships with third-party providers, generating referral and service fees.
7. RACV Trades: Home maintenance and repair services through a network of trusted tradies, including emergency home assist and general home repairs.
8. Altius Property Group: Wholly owned property development subsidiary of RACV generating revenue from residential, commercial, and hospitality property development projects throughout Australia.

Pricing tiers

Go-to-market motion3 records

Distribution channels7 records

Marketing channels7 records

Core offering

RACV is a Victorian member-based organisation that provides 24/7 roadside assistance, distributes motor/home/travel/business insurance, offers vehicle finance, home trades and solar services, and operates resorts and travel bookings. Revenue comes from membership subscriptions, insurance commissions, interest income, service fees and resort/travel sales.

Product overview

RACV (Royal Automobile Club of Victoria) operates as a diversified member organization offering a broad portfolio of insurance, automotive, home, and travel products and services. The core product suite includes car, home, and travel insurance policies offered alongside roadside assistance services (serving over 1.6 million vehicles), car financing through RACV Finance, and emergency home assist services. The travel and leisure segment features RACV Resorts across multiple Australian locations and the RACV Club in Melbourne CBD. Additional offerings include electric vehicle support, solar services, home maintenance and security, and a mobile app for member self-service. RACV also provides business insurance, motorcycle, caravan, and boat insurance as specialized products. The company serves members with over 3,000 benefits and discounts through a network of retail stores, contact centres, and digital platforms.

Differentiator

Problem solved

Functional benefit

Brands

• Altius Property Group: Wholly owned property development subsidiary of RACV delivering residential, commercial, and hospitality developments throughout Australia.

Products and services

• RACV Roadside Assistance 24/7 emergency roadside assistance across Australia for over 1.6 million vehicles, including towing, flat tyre changes, jump starts, fuel delivery, and lockout services.
• RACV Car Insurance Comprehensive motor vehicle insurance with comprehensive, third party fire and theft, and third party property damage options, issued by Insurance Manufacturers of Australia and distributed by RACV.
• RACV Home Insurance Insurance for residential properties protecting against damage, theft, and other covered events, for homeowners and renters.
• RACV Travel Insurance Travel insurance covering medical emergencies, trip cancellations, baggage loss and other travel-related risks.
• RACV Business Insurance Business and farm insurance covering commercial property and liability, issued by Insurance Australia Ltd and distributed by RACV.
• RACV Motorcycle Insurance Specialised insurance for motorcycles and scooters.
• RACV Caravan Insurance Insurance coverage for caravans and travel trailers.
• RACV Boat Insurance Insurance coverage for boats and watercraft.
• RACV Car Loans / RACV Finance Vehicle financing and loans for personal and business use provided by R.A.C.V. Finance Limited, generating interest income.
• RACV Emergency Home Assist Emergency plumbing, electrical and trades services for home emergencies across Victoria; attended 17,794 plumbing emergencies between April 2025 and March 2026.
• RACV Trades / Home Maintenance and Repairs Home maintenance and repair services delivered through a network of vetted tradies for everyday household repairs and maintenance.
• RACV Solar Home solar energy installation and energy services delivered through partnerships with third-party solar providers.
• RACV Home Security Home security products and monitoring services for residential customers.
• RACV Resorts Award-winning resort properties across Victoria, Queensland and Tasmania (including Cape Schanck, Healesville, Inverloch, Noosa, Royal Pines Gold Coast, Hobart) offering accommodation, spa and leisure experiences.
• RACV Travel & Experiences Travel agency services covering holiday packages, accommodation booking, attraction tickets and travel arrangements.
• RACV Club Exclusive membership club with facilities in Melbourne CBD offering dining, events and member privileges.
• RACV Drive School Professional driving lessons and driver training services.
• RACV Member Benefits Over 3,000 member discounts and benefits including grocery discounts, fuel vouchers, entertainment savings and travel deals.
• My RACV App Mobile application enabling members to view, renew and manage products, use fuel finder and EG Ampol fuel vouchers, make and track claims, and explore member benefits.

Quantifiable outcome

• 17,794 plumbing emergencies attended between April 2025 and March 2026
• +2 more outcomes

Named customers4 records

Segments5 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Seven partnerships are on record, tiered core and minor.

• EG AmpolcoreGTM or Marketing PartnerRACV has a co-branded fuel voucher programme with EG Ampol service stations across Australia. Eligible RACV members can activate a fuel discount of 5 cents per litre in the RACV App and redeem at EG Ampol co-branded locations. The offer is available once per calendar day per customer, up to 150 litres per fill.
• Insurance Manufacturers of Australia Pty LtdcoreChannel Partner/ Reseller/ DistributorRACV acts as distributor and referrer for RACV Motor, Home, Landlord, Veteran, Vintage & Classic Vehicle, Caravan & Trailer, Motorcycle and Boat Insurance issued by Insurance Manufacturers of Australia Pty Ltd ABN 93 004 208 084 AFS Licence No. 227678. RACV Insurance Services Pty Ltd receives commission for each policy sold or renewed.
• Insurance Australia LtdcoreChannel Partner/ Reseller/ DistributorRACV distributes RACV Business and Farm Insurance issued by Insurance Australia Ltd ABN 11 000 016 722, AFS Licence No. 227681, receiving commission for policies sold or renewed.
• EquifaxcoreTechnology or IntegrationRACV Finance participates in the National Comprehensive Credit Reporting (CCR) Scheme and shares credit information with Equifax. RACV Finance may disclose credit information including personal information to Equifax for credit reporting purposes.
• KPMGminorOthersRACV has appointed KPMG as an eligible recipient to receive disclosures under Whistleblower Protection Laws and uses KPMG's FairCall whistleblower hotline to receive and manage disclosures.
• TeslaminorStrategic or Co-development PartnerRACV has covered Tesla's Full Self-Driving (Supervised) software release in Australia through its editorial content, providing analysis on autonomous vehicle technology and road safety implications.
• Altius Property GroupcoreOEM/ Whitelabel/ Licensing PartnerAltius Property Group is the wholly owned property development subsidiary of RACV, delivering diverse national portfolio of master-planned residential, commercial, and hospitality property developments throughout Australia.

Scale indicators6 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• RACWA (Royal Automobile Club of WA): Western Australian motoring club with roadside, insurance, and member services; another Australian state-level mutual-club peer structured almost identically to RACV.
• NRMA: NSW's largest member-based motoring club and insurance provider, offering roadside assistance, motor and home insurance, and travel services — directly comparable to RACV across nearly every product line, just operating in a different Australian state.
• RACQ: Queensland motoring club providing roadside assistance, insurance, and member benefits; same mutual-club model as RACV and a like-for-like peer on membership structure, insurance distribution, and travel services.
• RAA: South Australian motoring club delivering roadside assistance, insurance, travel, and member benefits; operates on the same mutual-club model as RACV with state-level geographic focus.

Broad incumbents

• ADAC: Germany's largest motoring association offering roadside assistance, insurance, travel, and publishing; the closest European analogue to RACV's broad mutual-club offering across motoring, home, and travel.
• RAC (UK): UK-based roadside assistance and motoring services brand with significant insurance and breakdown operations; comparable roadside-assistance core and the same 'Royal Automobile Club' heritage branding as RACV.
• AAA (American Automobile Association): Federated US roadside and insurance network; comparable membership-club model at much larger scale. Useful benchmark for what a scaled, multi-state auto club can achieve.
• Suncorp: Australian general insurer and bank with significant motor, home, and commercial insurance lines; competes directly with RACV's insurance distribution offering as a multi-product financial-services incumbent.

Emerging players

• NRMA Insurance: NRMA's insurance underwriting arm is one of Australia's largest general insurers; comparable insurance-product focus to RACV's insurance distribution business, though RACV only earns commissions whereas NRMA Insurance underwrites risk.
• Webjet: Australia's leading online travel agency offering flights, hotels, and holiday packages; comparable to RACV Travel & Experiences for the travel distribution element of RACV's diversified offering.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks7 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/@RACVofficial/featured
• LinkedInau.linkedin.com/company/racv/jobs
• Instagraminstagram.com/racv.careers
• Facebookfacebook.com/RACV
• Xx.com/theracv

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries6 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments7 records

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about RACV