RAC car insurance

RAC car insurance review

5 star Defaqto rated

Uninsured driver protection

Single and multi-car policies

Temporary insurance for short-term cover

Black box insurance for young drivers

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RAC car insurance products

Although better known for it’s breakdown and roadside recovery services, the RAC has expanded its services in recent times to include car insurance as well as home and travel insurance. It’s main focus is still very much on the motoring side though, with policies for cars and classic cars as well as motorbikes, vans and caravans.

We’re looking predominantly at RAC’s car insurance offering here, of which there are the usual three levels of cover available: third party only (TPO); third party, fire and theft (TPFT) and comprehensive. On top of that RAC also offer an extra level of cover which they call Car Insurance Plus.

If you want to learn more about third party and comprehensive cover, read our guide: What does ‘third party’ and ‘comprehensive’ car insurance actually mean?

RAC Car Insurance Plus

RAC’s extra level of car insurance shares all the same benefits of conventional comprehensive car insurance, with a few added extras:

See all the benefits of RAC’s car insurance policies here: https://www.rac.co.uk/insurance/car-insurance/what-is-covered

RAC black box car insurance

RAC also offers a black box (telematics) policy for young and/or new drivers.

Some of the special features of RAC’s black box policies include:

Get a quote for black box insurance from RAC: https://www.rac.co.uk/insurance/car-insurance/black-box-insurance

RAC Multicar Insurance

RAC also offers a 10% discount for every additional car you add to your policy under their Multi-car insurance. This means if you have two or more cars in your household then you could make direct savings by bundling them under the same insurance policy.

Benefits include:

RAC Temporary Car Insurance

Short term car insurance is a growing market, and is in demand from learner drivers and those that wish to borrow or use a car for just a day or a few months.

RAC offers a flexible temporary car insurance policy that can run from 1 – 28 days:

How much does RAC car insurance cost?

As with all car insurance companies, the amount you pay for a premium from RAC will depend on a host of different factors, including:

One of the big claims from RAC is that drivers who have nine or more years of no claims can reduce the cost of premiums by up to 70% by insuring with them. They also say that 10% of their customers pay just £149 per year for their comprehensive car insurance.

RAC are able to offer such competitive rates to more experienced drivers as they effectively work as an insurance broker, working with their panel of approved car insurers to find the best deal for motorists.

Although this approach can offer benefits when it comes to costs, it can lead to inconsistent customer service – which is why RAC tend to suffer from a lot of bad online reviews. The level of customer service you receive from RAC can depend on which insurer they place your policy with – as some are much better than others – so if you choose to buy insurance through RAC it is worth asking them exactly what insurance product you are buying and what insurer is underwriting it.

RAC car insurance online reviews

See below for the latest ratings for RAC car insurance from the online customer review company’s…

Review companyRating (out of 5)
Trust Pilot4
Smart Money People3
Review Centre1