RAC Policy Stamp

Great Value RAC Car Insurance From As Little As £217!

3-year guarantee on approved claim repairs.
A courtesy car when you use one of our approved repairers.
Windscreen replacement.
Personal accident cover - up to £2,500.
New car replacement if yours is under 1 year old (1st registered keeper) and is written off.
50% off RAC Breakdown Cover when added to your car insurance policy.

RAC Car Insurance Cover Guide

The RAC is without question one of the leading motoring organizations in the UK, and currently serves over 7 million members.

Providing services to both private and business motorists, the RAC serve a number of areas including roadside assistance, insurance, vehicle inspections and checks, legal services, and even up-to-the minute traffic and travel information.

Alongside their primary breakdown service, the RAC also offer car insurance through RAC Car Insurance.

RAC Car Insurance is a subsidiary of RAC providing a number of financial services including car insurance, caravan insurance, and home, life, and travel insurance.

RAC insurance offers customers a number of individual car insurance products that can be tailored to cover their specific needs.

By searching a carefully selected and trusted panel of leading UK insurers, the RAC can help to find the best car insurance deal that’s available. With policies including both comprehensive and third party, fire and theft cover, you’ll be able to sort and choose the level of cover that you need.

RAC comprehensive car insurance cover also includes a number of additional benefits such as audio and personal belongings cover, new car replacement for vehicles younger than 12 months old and liability to 3rd parties as standard. The RAC also offer a generous no claims discount that enables you to save money on your cover.

The RAC also offer customers a 24 hour claim helpline should they need to make a claim.

Benefits of RAC car insurance include:

  • Repairs Use a member from the RAC approved network for repairs and get a three year guarantee on any work completed
  • Windscreen replacement and repair
  • Personal belongings cover up to £150
  • Personal injury cover for you and your partner of up to £2,500 per person, per claim
  • Medical expenses up to £100 for each person following an accident
  • Audio equipment cover up to £500 for non-manufacturer-fitted equipment and unlimited for manufacturer-fitted equipment
  • New car replacement If your car is less than 12 months old and is seriously damaged RAC will replace it with a new car of the same make, model and specification
  • A courtesy car when you use one of RAC’s approved repairers

RAC Car Insurance Plus

RAC Car Insurance Plus is the RAC’s premium car insurance policy that offers members a number of extras to include in their cover.

RAC Car Insurance Plus provides you with the following benefits:

  • Help with onward travel transport home after an accident for you and your passengers, anywhere in Great Britain*
  • Physiotherapy cover up to £400 per person in a vehicle to help you and your passengers recover after an accident
  • Up to £100 per seat towards replacement child car seats after an accident, even if there’s no apparent damage
  • If you’re hit by an uninsured driver, RAC will refund your excess and you won’t lose your no claims discount (providing the accident isn’t your fault)
  • If you lose your car keys RAC will pay for replacements, and cover the cost of changing your car’s locks too
  • If your car is vandalised you won’t lose your no claims discount
  • If you’re taken seriously ill on a journey, RAC will collect you, and your car, and drive you home or on to a destination anywhere in Great Britain

The amount of cover you get with RAC Car Insurance Plus is also raised:

  • Personal belongings up to £250
  • Medical expenses up to £250
  • Personal injury cover for you and your partner of up to £5,000 per person, per claim, (annual limit of £10,000)
  • Audio equipment cover up to £1,000 for non-manufacturer-fitted equipment and unlimited cover for manufacturer fitted equipment

RAC Car Insurance From £217

3-year guarantee on approved claim repairs.
A courtesy car when you use one of our approved repairers.
Windscreen replacement.
Personal accident cover - up to £2,500.
New car replacement if under 1 year old (1st owner) and is written off.
50% off RAC Breakdown Cover when added to your car insurance.

RAC Car Insurance User Reviews

These average ratings represent customer ratings for the displayed provider, calculated from all the customer reviews displayed below.

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Are you a current customer of the RAC's car insurance service? Or perhaps you've used their services in the past?

You can let us know your thoughts on their service below!

4 User Reviews - Leave Your Own Review!

  1. Ian says:
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    I have now tried FOUR TIMES to submit a form for a quoatation and every time I went to submit it I was told that the link no longer exists and try the original link, your site is crap!!!!!!!!!!!!! I am already insured with you and would have liked to stay with you – however I have lost the will to live.

  2. QueenBee says:
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    Absolutley appalling customer service automated answer then they put you on hold until someone is available. I have tried 3 times last night and 5 times tonight the longest waiting was 50 minutes with varying waits on other calls. (I had to ring off I needed the loo)> I only want to change my policy over to my new car which I am supposed to be collecting tomorrow. I will be well and truly peed off if I cannot collect due to RAC customer service unable to cope with high volume of calls.

  3. Paul says:
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    Insured our BMW with RAC and seemed a good deal. When it was vandalised after about 7 months had to argue over the phone with the claim advisor who insisted we would lose our no claims even though it is clearly advertised and in the policy that you DONT lose no claims over vandalism claims. Was then informed that as my partner who is under 25 was the last person to PARK the car as opposed to myself we would have to pay an ADDITIONAL 250 pound excess… Ok it was PARKED.

    Yes I can understand an extra excess if SHE HAD BEEN DRIVING… but parked? and noone in the car.. how can her AGE have anything to do with teenage vandals damaging the car hours later??

    Ok so decided while the car was in the bodyshop being repaired to shop for a new car.. settled on a brand new unregistered Mini. Phoned the insurance company and they told us they couldn’t insure the new vehicle without referring the insurance. When I asked why they told me it was because it had too many modifications.

    What modifications I asked. It has optional extras the young lad replied… er what? The optional extras they classed as ‘modifications’ were.. factory fitted heated wing mirrors.. air conditioning.. and factory fitted alloy wheels.. sorry? since when did factory fitted options become after market modifications?

    Asked our Mini dealer about this and he laughed.. he used to sell car insurance and thinks we had an untrained monkey on the other end of the phone. Called Tesco insurance and asked them and they said that factory installed options do not increase our premium above the otherwise increased value of the new vehicle. Needless to say.. as soon as my BMW is out of the bodyshop and the claim is settled RAC are going to be one customer down.

  4. OldMart says:
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    I’ve recently just return to RAC insurance after a 2 year period with AA insurance. I’ve recently bought a more expensive car and the quote I got for insurance from the AA wasn’t as competitive as other insurers I found.

    I was quoted slightly cheaper with other insurers, but having been insured with the RAC in the past I know that is a company with a strong reputation that will be easy to deal with.

    In the past I’ve had to make a claim through my RAC insurance policy and found that once you get past the junior operators in the foreign call centres everything goes smoothly.

    In the end I chose their RAC Insurance Plus option which includes vandalism cover.

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