Insurance
Everything you need to know about RAC car insurance
What is RAC car insurance?
RAC car insurance is part of RAC Limited, an automotive services company which provides services like car insurance, roadside assistance, mobile mechanics, breakdown cover and route planning.
RAC car insurance policies are underwritten by a panel which includes Ageas, Aviva, LV, Sabre and Somerset Bridge.
How to contact RAC car insurance
If you need to contact RAC insurance, you can do so with the RAC insurance contact number:
- 0330 159 1031 (Monday to Friday: 8am – 8pm, Saturday: 8am – 6pm, Sunday and Bank holidays: 10am – 4pm)
How to compare RAC car insurance
You can compare an RAC car insurance quote on Caura by clicking here
RAC car insurance reviews
RAC insurance has received the following reviews:
- Trustpilot: 3.9 stars (112,744) [1]
- Which?: 64% customer score (14th out of 27 insurance firms) 52% policy score on its standard policy (28TH out of 28) [2]
What types of car insurance can you get with RAC?
Alongside Third party only and Third party, fire and theft, RAC offer two main comprehensive policies, which are detailed below:
| RAC Comprehensive | RAC Comprehensive Plus | RAC Comprehensive Premier | |
|---|---|---|---|
| RAC Breakdown cover – roadside and recovery assistance in the event you break down. | No | No | Yes |
| RAC Motor Legal Protection – up to £100K of cover to help you find a solicitor or recover compensation in the event of a non-fault accident. | No | No | Yes |
| Uninsured driver promise | No | Yes | Yes |
| Vandalism promise | No | Yes | Yes |
| Courtesy Car as standard (subject to availability and eligibility) | Yes | Yes | Yes |
| Repairs guaranteed for 3 years at approved garages | Yes | Yes | Yes |
| Child Seat Cover | No | Yes | Yes |
| Personal Accident Cover | Yes | Yes | Yes |
| Transfer Home or Hotel Stay after an accident | No | Yes | Yes |
Temporary car insurance
RAC also offer temporary car insurance, from as little as one hour up to 30 days, which is useful if you’re borrowing a friend’s car for a short period of time. If you wanted RAC day insurance, their guide price is £30.26. [3] You can add extra hours or days online.
Black box insurance
Black box insurance, a telematics policy, is available for both new and younger drivers, as well as more experienced drivers looking to save money.
When you take out a black box insurance policy, they’ll send you a box to fit. When you download the app, you’ll be able to see your driver score.
Your driver score is based on 5 factors:
- Acceleration
- Braking
- Night driving (7pm – 6am. If you’re a night driver it may not be worth getting a Black box)
- Speeding
- Urban driving (35mph zones or below)
If someone else drives your car, their driving will impact your score as there isn’t an option to flag that a different driver is using your car.
If selected, you’ll also get free RAC breakdown cover and free legal cover. [3]
How to make changes to or cancel RAC car insurance
If you need to make changes (such as adding a driver) or cancel your policy, you can do so with the RAC insurance contact number:
- 0330 159 1031 (Monday to Friday: 8am – 8pm, Saturday: 8am – 6pm, Sundays and Bank holidays: 10am – 4pm)
If you cancel within 14 days of receiving policy documentation, you will be charged an arrangement fee and for your time on cover. If you cancel after more than 14 days, you’ll be charged a fee and for time on cover.
For black box policies, if you cancel within 14 days of receiving policy documentation, you will be charged for the cost of your time being insured plus a fee of £35.
If you cancel after this period and your box has been professionally installed, you’ll be charged a fee of £125. If it has been self-installed, the charge will be £75. [3]
[1] 194 out of 209 in the insurance category. Includes breakdown cover and other RAC services. Accessed 15-Feb-24
[2] Accessed 15-Feb-24
[3] RAC website. Accessed 15-Feb-24
