Cancellation service N°1 in Australia
Contract number:
To the attention of:
Cancellation Department – Racv
Level 7, 485 Bourke Street
3000 Melbourne
Subject: Contract Cancellation – Certified Email Notification
Dear Sir or Madam,
I hereby notify you of my decision to terminate contract number relating to the Racv service. This notification constitutes a firm, clear and unequivocal intention to cancel the contract, effective at the earliest possible date or in accordance with the applicable contractual notice period.
I kindly request that you take all necessary measures to:
– cease all billing from the effective date of cancellation;
– confirm in writing the proper receipt of this request;
– and, where applicable, send me the final statement or balance confirmation.
This cancellation is sent to you by certified email. The sending, timestamping and integrity of the content are established, making it equivalent proof meeting the requirements of electronic evidence. You therefore have all the necessary elements to process this cancellation properly, in accordance with the applicable principles regarding written notification and contractual freedom.
In accordance with the Consumer Rights Act 2015 and data protection regulations, I also request that you:
– delete all my personal data not necessary for your legal or accounting obligations;
– close any associated personal account;
– and confirm to me the effective deletion of data in accordance with applicable rights regarding privacy protection.
I retain a complete copy of this notification as well as proof of sending.
Yours sincerely,
16/01/2026
How to Cancel Racv: Complete Guide
What is Racv
RACV (Royal Automobile Club of Victoria) is a multi-service organisation that combines membership benefits, roadside assistance, travel products and a range of insurance policies. Its roadside assistance packages are tiered (Roadside Care, Extra Care, Total Care) and are sold as 12-month plans with monthly or annual payment options. RACV also distributes a range of insurance products including car, home and travel insurance, and offers a separate personal membership product with member benefits and loyalty discounts. Roadside plan pricing and inclusions are published by RACV and differ by number of vehicles and cover level.
Quick pricing snapshot
| Plan | Example 1-vehicle price (monthly) | Example annual price |
|---|---|---|
| Roadside Care | A$12.00 per month | A$138 yearly |
| Extra Care | A$19.58 per month | A$229 yearly |
| Total Care | A$27.00 per month | A$318 yearly |
These headline prices reflect RACV’s published starting rates and are subject to loyalty discounts and terms that vary by vehicle count and membership length. Always check the Product Disclosure Statement that applies to your start date for exact limits and exclusions.
Customer experiences and cancellation feedback
What users report
Public reviews and forum posts show a mix of praise for on-road assistance outcomes and frequent complaints about billing, refunds and claims handling. Several reviewers say they received timely help for flat tyres and minor call-outs. Other users report long delays when seeking refunds on annual premiums after a claim or after a mid-term cancellation.
Commentary on independent review platforms highlights recurring themes: confusion about whether prepaid annual premiums are refundable after a total-loss claim, delays in refund processing, and mixed satisfaction with customer service interactions. Forum threads and product-review pages record examples where members believed they had cancelled but later saw charges or experienced slow processing.
Recurring issues and practical takeaways
Key patterns: reviewers commonly raise three issues - clarity on pro-rata refunds, timing of cancellations relative to call-outs or claims, and long response times for disputed refunds.
Practical takeaway: document every interaction and retain policy documents, dates and evidence of service usage. That reduces friction if a refund or dispute is later needed. Examples on review sites show customers were faster to resolve issues when they provided clear dates of purchase, policy numbers and evidence that no call-outs or claims were made during the period they wanted refunded.
How cancellations typically work for Racv products
Timing matters. RACV travel insurance policies and many insurance products include a 21-day cooling-off period from the purchase date during which an unused policy can be cancelled for a full refund, provided no claim has been made and the trip has not started. Outside that window, refunds are assessed by product rules and may be pro-rata and subject to exclusions such as total loss claims.
Roadside assistance plans are 12-month products available with monthly or annual billing. Whether you are entitled to a refund mid-term depends on the plan terms and whether benefits have been used; some plans restrict refunds if a call-out has been claimed or if the plan type explicitly excludes pro-rata refunds. The Product Disclosure Statement and the Emergency Roadside Assistance Terms contain the precise conditions that apply to your start date.
Billing cycles and proration: monthly payment options typically include small administrative fees that are factored into monthly instalments. Annual prepayments are usually treated as a 12-month product for pro-rata calculations; however certain claim outcomes (for example a total-loss vehicle payout) may affect refundability. Reviewers have raised cases where the insurer adjusted payouts by deducting the full annual premium rather than returning an unused portion; check your policy wording.
What to expect after you request cancellation
Expect a written acknowledgement and a processing window. RACV’s processing times vary by product: simple cooling-off refunds are usually faster, while disputed refunds and claim-linked cancellations may take several weeks to review. Public reports indicate some refunds can be delayed beyond standard internal windows. Keep records of the date you made the request and any confirmation reference.
If a refund is approved, the usual practice is to return unused premium to the original payment method or to settle via a bank transfer. Processing delays and administrative mismatches are the main causes of hold-ups on review sites.
Documentation checklist
- Policy documents: copy of Product Disclosure Statement and current policy schedule.
- Proof of purchase: date of purchase, payment receipts and billing statements.
- Usage evidence: records showing whether roadside call-outs or claims were made during the coverage period.
- Dates and references: note the date you requested cancellation and any confirmation or reference numbers.
- Communications log: short notes of every interaction (date, time, person/department, summary).
- Bank/card statements: screenshots or PDFs showing debits and any subsequent credits.
Common pitfalls and how to avoid them
- Assuming all plans refund the same way - plan rules differ. Check the terms that applied at your start date.
- Missing the cooling-off window - the 21-day travel insurance cooling-off right is strict and depends on policy purchase date and usage.
- Not tracking call-outs or claims - using roadside assistance or lodging a claim can affect refund eligibility.
- Overlooking loyalty discounts and administrative fees - these can change the effective refund amount for monthly-instalment customers.
- Delaying a dispute - statutory and scheme time limits apply when escalating complaints; act promptly.
Refunds, disputes and escalation
Refund eligibility is product-specific: travel insurance commonly offers a 21-day cooling-off full refund provided the policy was unused; other insurances commonly provide pro-rata refunds unless a total-loss claim has been paid. RACV’s published materials and PDS set out those rules.
If an internal review does not resolve the matter, consumers can escalate through external dispute resolution channels. Independent dispute schemes have time limits (for example, internal dispute resolution finalisation plus statutory windows) so preserve evidence and act within the prescribed periods. AFCA is the relevant independent scheme for insurance and related financial complaints.
Two comparison tables: features and decision guide
| Feature | Roadside Care | Extra Care | Total Care |
|---|---|---|---|
| Towing distance/limits | Short-distance tow (metro focused) | Longer tow options including regional cover | Extended towing and caravan/trailer cover options |
| Drivers covered | Add drivers at no extra cost | Add drivers at no extra cost | Add drivers at no extra cost |
| Best for | Metro drivers | Drivers beyond metro | Long-distance and multi-vehicle owners |
| Decision point | What to check in your policy |
|---|---|
| Have you made a call-out? | Check how benefit usage affects pro-rata refunds and eligibility. |
| Did you buy annual cover? | Check how annual prepayment is treated for refunds and whether administrative fees apply. |
| Are you within a cooling-off period? | Confirm purchase date and whether the policy was unused to see if a full refund applies. |
Practical dispute-preparation checklist
- Collect all items from the documentation checklist and create a single PDF folder.
- Record the policy start date, renewal date and exact billing amounts.
- Note any call-outs or claims with dates and reference numbers.
- Time your escalation: internal dispute resolution should be attempted first and external schemes have strict windows.
What to do after cancelling Racv
After you have lodged your cancellation request, monitor your billing statements for 1-2 cycles to confirm no further charges appear and that approved refunds arrive to the original payment method. Keep the documentation checklist items stored for at least 12 months in case of later disputes.
If you expect a pro-rata refund, allow additional processing time for verification and reconciliation; public reports indicate some refunds take longer than the standard window, so prepare evidence to speed verification. If the outcome is unsatisfactory, use the insurer’s internal dispute route and note timelines for external review schemes.
Address
- Address: Royal Automobile Club of Victoria (RACV) Ltd Attn: Customer Service Level 7, 485 Bourke Street Melbourne VIC 3000 Australia