RAC car insurance review 

10 min Read Published: 24 Aug 2021

Who is RAC?

RAC logoThe Royal Automobile Club, better known as the RAC, was founded in 1897 initially offering roadside assistance and motoring services to its members. It has expanded its offering and now provides a whole range of vehicle-related insurances to around 2.2 million individual and 4.5 million corporate members. RAC car insurance is underwritten by a panel of insurers which include AXA, Co-op Insurance LV= and Zenith Insurance Plc.

RAC car insurance policies

RAC offers 5 main car insurance policy types:

Single car insurance

Car insurance cover for a single car either Third Party Fire and Theft, Comprehensive or Comprehensive Plus.

Multi-car insurance discount

RAC will offer a 10% discount for every additional car insured from the same household. No claims discounts are separate for each car so only one policy will be affected by any claim.

Young or new drivers

In an attempt to keep car insurance premiums lower for new or younger drivers RAC offers a policy that monitors the driving habits of the policyholder through a Black Box fitted to the insured car. The driving habits of the policyholder will then be monitored and safe driving could reduce their premiums on renewal. Unlike some providers, this policy has no curfews, no charge per mile and no installation fee

Pay by Mile

For drivers that only do a low mileage (less than 6,000 a year) RAC offers a Pay by Mile car insurance. The policyholder is only charged for the miles they drive plus a low monthly premium to insure the car when parked.

Temporary Insurance

RAC offers Temporary Car Insurance to cover you when you drive another car or want someone to drive your car over a short period. Cover can start immediately for periods from 1 hour to 30 days.

RAC car insurance extra benefits

RAC Breakdown Cover

Cover starts from as little as £19.99 per year and offers 24/7 roadside rescue breakdown cover providing you are over 1/4 mile from home.

Motor Legal Protection

Up to £100k of legal cover to help cover legal fees and expenses following an accident. Free for 12 months with all car insurance policies.

Guaranteed Replacement Car

Up to 28 days cover from only £12.99 per year in the event of your car being repaired, stolen or written-off.

No Claims Discount (NCD) Protection

For an additional premium you can protect your NCD and have up to 2 fault claims in 3 years without affecting your discount. Available if you have 4 years or more No Claims Discount.

Personal belongings

Personal belongings are covered up to the value of £250 (Comprehensive Plus) or £150 (Comprehensive). There is no Personal belongings cover with the Third Party Fire and Theft policy.

Sound and Sat-nav equipment

If fitted by the manufacturer there is unlimited cover on sound and sat-nav equipment. Non-manufacturer fitted equipment cover is limited to £1,000 (Comprehensive Plus) or £500 (Comprehensive and Third Party Fire and Theft).

Personal Accident Benefit

A Personal Accident Benefit of £10,000 (Comprehensive Plus) or £5,000 (Comprehensive) is available to cover medical expenses as a result of an accident. There is no Personal Accident Benefit with the Third Party Fire and Theft policy.

Transport home after an accident

The Comprehensive Plus policy provides transport to any location in the UK if your car is unusable following an accident (excluding Channel Islands or Isle of Man).

Emergency accommodation expenses

If your car cannot be used following an accident, and you are more than 100km from your home you will be covered for the cost of accommodation for you and up to 4 passengers. £250 maximum applies.

Essential temporary repairs

If your car cannot be safely driven following an accident, emergency repairs can be arranged to make your car safe and roadworthy up to a total of £750.

Keycare cover

For £19.99 a year you can be covered up to £1,000 per year for any lost or stolen keys. The cover is not limited to car keys and so includes home, workplace and property keys

Windscreen cover

Windscreen cover is standard on all policies and any claim will not affect your No Claim Discount and no policy excess will be charged.

Uninsured Driver Promise

If you have a Comprehensive Plus policy and are involved in an accident with an uninsured driver then your No Claim Discount will not be affected and any policy excess will be reimbursed. Not available with Comprehensive or Third Party Fire and Theft policies.

60 days EU cover

All car insurance policies will provide cover for up to 60 days per year if you travel within the EU.

RAC car insurance policy summary

Comprehensive Plus Comprehensive Third Party Fire and Theft
Courtesy Car Yes Yes No
Personal Accident Benefit £10,000 5,000 No
Medical Expenses Up to £250 Up to £100 No
Transport home after an accident Anywhere in Great Britain No No
Essential temporary repairs Up to £750 Up to £750 No
Emergency accommodation expenses Up to £250 Up to £250 No
Personal belongings Up to £250 Up to £150 No
Sound and Sat-nav equipment £1,000 or unlimited if manufacturer fitted £500 or unlimited if manufacturer fitted £500 or unlimited if manufacturer fitted
Cover for accessories Yes Yes No
Child seat cover Yes No No
Windscreen cover Yes Yes No
Replacement locks Yes Yes No
Uninsured Drive Promise Yes No No
Motor Legal Protection Free for 12 Months Free for 12 Months Free for 12 Months
60 days EU cover Yes Yes Yes
Repairs guaranteed for 3 years (approved repairers) Yes Yes Yes
No Claims Discount Protection Yes Yes Yes

How do RAC car insurance benefits compare with other insurers?

To provide a comparison between RAC car insurance and other similar car insurance providers, we have compared three insures benefits in the table below.

RAC Direct Line  Aviva
Guaranteed Car Hire Yes Yes Yes
Transport after an accident Comprehensive Plus only Yes Yes
No Claims Discount Protection Yes Yes Yes
Breakdown Cover From £19.99 p.a. From £25 p.a. Individual cost calculation
Motor Legal Protection (£100,000) Free for the first 12 months then £15 p.a. £28 p.a. £29 p.a.
Multi-car Discount Yes Yes Yes
Black Box available Yes Yes No
Admin fee for policy amendments No No No
Available on comparison sites No No No

How to make a claim with RAC

If you need to claim on your RAC car insurance policy then just call the claims helpline on 0333 2000 999 and then will deal with everything for you.

To help with the processing of your claim, you will need to provide the following information:

  • Your policy number and documents
  • Your vehicle registration number
  • Details of what happened and when
  • Details of any other vehicles, people or property involved
  • Contact details for any witnesses
  • Crime reference number if applicable

RAC car insurance customer reviews

Trustpilot

RAC is rated as 'Great' with an average score of 4.2 out of 5.0 from over 70,000 independent customer reviews.

Which?

With an overall score of 56% RAC car insurance ranked 13th out 16 car insurance providers in the Which? car insurance policy survey. However, Which? customers ranked RAC car insurance higher with a score 74% ranking them 5th out 16 car insurance providers.

Summary

RAC car insurance provides a range of standard and optional features such as Black Box Insurance for young or inexperienced drivers and a Pay Per Mile policy for low mileage drivers. Windscreen cover is provided as part of RAC's Comprehensive and Comprehensive Plus policy and making a claim will not affect your No Claim Discount. What is particularly impressive about RAC's windscreen cover is that no excess is charged if making a claim, something most other insurers do charge. Unfortunately, misfuelling is not covered on any of the policies and if you opt to pay your premium monthly you will be charged 30.9% APR.

Further reading

Privilege car insurance review

LV= car insurance review

Direct Line car insurance review