RACV Total Care

[grey_ghost]

Hi All,

I thought that I would share something that happened to me recently.

SUMMARY - RACV Total care doesn’t cover un-registered vehicles unless you have a UV Permit.

Makes sense but read on...

I had a car booked in at VicRoads to be registered. Vicroads informed me that I don’t need a UVP if driving the car from home to VicRoads for my registration appointment. In this instance my appointment was at 1pm... I would be driving to work at 9am, past a police station. Parking. And then going down to VicRoads at 1pm. A part of me thought “geez I would be really unlucky for a copper to pull me over and gave me a ticket”... For a few days I thought “bugger it, I will save myself $40 and not get a UVP”... But being conservative - I ended up getting one....

Lucky I did... On the way to work (and in reality it could have been on the way to VicRoads) - the car went kaboom... Rang the RACV and they wouldn’t tow it (even though I have the top level of care) - UNLESS I had an UVP. Which I did...

It would be easy to get caught out... [emoji15]

I realise that it’s an unusual set of circumstances - but I thought that I would share the story. My advice - get an UVP even if you don’t technically need one (if you have total care that is).

Oh - the car was my Freelander 1, and the kaboom was a runaway turbo... Let’s just say the trip didn’t end well. [emoji26]

https://www.aulro.com/mobile-gallery/38cec2a682970caa3c68d97d5857203b.jpg

[LRT]

How interesting. I used to get an UVP but haven’t of late with the last two I’ve registered.

[Kaps]

Do Vicroads say you don't need a uvp when you are driving to an appointment? Did you get that in writing?
I was with a friend from over the border on his way to Hamilton for a registration appointment. We were stopped in Casterton. "Do you have an excuse for driving an unregistered vehicle?" "Yes" we said. "We're on our way to a registration appointment." We were told that is no excuse and we needed a uvp. Luckily, you can get one over the phone. Luckily the police didn't fine my mate. When we got to Vicroads, we asked about needing the uvp for the appointment. The police were right. Even if you have a appointment, you still need a uvp to drive on the road.

[Homestar]

Looks like the rules have changed - it used to be written on the VicRoads website that a UVP was not required when travelling to the registration appointment, but that’s not what it says now -

“My vehicle is unregistered

You’ll need to get an unregistered vehicle permit (UVP) and follow the rules to legally drive when preparing for registration.
An unregistered vehicle permit (UVP) means you’ll have full TAC compulsory insurance cover for the trip. Learn more about the TAC charge(External link) (http://www.tac.vic.gov.au/about-the-tac/our-organisation/transport-accident-charge).
You’ll need a UVP when taking your vehicle to VicRoads for registration.”

Register a vehicle : VicRoads (https://www.vicroads.vic.gov.au/registration/new-registration/register-a-vehicle)

[grey_ghost]

Indeed it looks like the rules have changed. AND the person that I spoke to at VicRoads was WRONG. Fancy that. [emoji6]

[Kaps]

If it changed, it changed years ago.

[Homestar]

If it changed, it changed years ago.

2 years ago tops I think as I had a print out of it saying I didn’t need one when travelling to a booked appointment only about that long ago.

[V8Ian]

In Queensland, you don't need a permit to drive to Transport, to register a vehicle, but the CTP has to have been paid.

[Kaps]

In Queensland, you don't need a permit to drive to Transport, to register a vehicle, but the CTP has to have been paid.
That is what a uvp in sth aus and victoria are for. It's the compulsory third party insurance.

[Fattima]

I always get one. Got pulled over with an unregistered trailer on the way to a VicRoads appointment, copper was surprised I had a permit for the trailer and even thanked me for doing the right thing.

[LRJim]

That is what a uvp in sth aus and victoria are for. It's the compulsory third party insurance.Im pretty sure its not, IIRC the UVP covers your TAC if you injure somone on the road. Third party from an insurer covers you for damage to another vehicle.
Cheers

[V8Ian]

Compulsory Third-party (CTP) only covers injury and/or death to other people.

[LRJim]

Compulsory Third-party (CTP) only covers injury and/or death to other people.I thought he ment 3rd party accident cover I relised that a bit after [emoji23] see its something we dont have to think about down here, it should be included in your rego country wide IMO. Sure it stings hard at $800 a year for rego but at least your covered while your car is registered.
Cheers

[V8Ian]

I thought he ment 3rd party accident cover I relised that a bit after [emoji23] see its something we dont have to think about down here, it should be included in your rego country wide IMO. Sure it stings hard at $800 a year for rego but at least your covered while your car is registered.
Cheers
It is part of the rego, but can be arranged beforehand on line or at a number of agencies. It also can be paid for at Transport, when regoing a vehicle.

[Zcoota]

Just adding to this thread I have discovered a few changes in RACV Total Care that seem to make it a little less total than it used to be. I'm wondering what else people have done to cover themselves;


Towing is limited to 100km or the depot, whichever is the least. (Used to be unlimited! Beyond this 100km its now your problem to negotiate with the towie and I was told you can't used the $2400 accom/hire car allowance to put towards the towing bill.
You need to get the car to the hard stuff yourself (nothing new here, supposed to be 2wd tracks but its up to the discretion of the tow truck driver)
Shannons insurance are now offering their own roadside assist with the same towing limits but only $200 to get you and your traveling mates home.
Interestingly Club 4x4 (I'm waiting for a quote from them) will chip in $1500 to recovery costs to get you out of wherever you are including a simple bogging (only one claim per year), you can extend this to $15000/$30000 recovery costs. I'll let you know where the $$$ drop out when I get the quotes.


This has been playing on my mind given where we travel to and is as relevant to newer high tech 4wds as well as the oldies (my camp).

Has anyone found any economical options to cover at massive towing bill in case something breaks in a big way ?

[101RRS]

Interestingly Club 4x4 (I'm waiting for a quote from them) will chip in $1500 to recovery costs

Less their excess on this service so is less than $1500.

[Zcoota]

Less their excess on this service so is less than $1500.

Good point. I’ll ask them about that when I get the quote

[101RRS]

Good point. I’ll ask them about that when I get the quote

Its either $150 or $250 cant remember.