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You might know RAC for its breakdown cover, but it also offers car insurance.
RAC offers two comprehensive car insurance products: a standard and premium 'Plus' policy.
Its policies are underwritten by a panel including Ageas, Aviva, Axa, Axa Northern Ireland, Covea, LV, Sabre, West Bay and Somerset Bridge.
Please note that the information in this article is for information purposes only and does not constitute advice. Please refer to the particular terms and conditions of an insurer before committing to any financial products.
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Get a quoteHere's how RAC scored in our latest survey:
See how this compares with the best car insurance.
The 52% score for the RAC's standard policy saw it rank near the bottom of the 61 policies we rated ‒ and it was the lowest-scoring standard policy.
The policy didn't shine in many areas, but we liked its uninsured driver's promise ‒ which protects your no-claims discount if you're involved in an accident caused by an uninsured driver. The policy also includes 60 days cover for driving overseas as standard.
On the downside, there's no cover for child car seats, and a meagre £100 medical expenses cover that excludes prescription costs, physio treatment, dental treatment or optician's costs.
A plus point is RAC's policies don't apply additional excesses for using repairers of your choice for windscreen or window damage. With many policies, you'll have to contribute more towards your claim if you don't use a repairer from your insurer's approved list.
The RAC also offers a plusher 'Plus' policy. This adds features such as onward travel (getting you to your destination) and hotel expenses if you're stranded following an accident, and some higher levels of cover. The policy scored 55% ‒ still below average in our analysis.
Fire excess | Varies | |
Theft excess | Varies | |
Accidental damage excess | Varies | |
Windscreen replacement excess | £60 | |
Is the policy holder's NCD affected if car is hit while parked | Yes - but can be reinstated | |
Windscreen damage - limit per claim | Market value / £185 | |
Window damage - limit per claim | Market value / £185 |
Tables last updated February 2024. Next update January 2025. We recommend checking policies before buying.
We asked RAC customers who've recently made a claim how they felt about their car insurance.
When it came to overall satisfaction and likelihood to recommend, RAC's customers gave it a middling 64%. This was exactly average.
It fared slightly better ‒ scoring 68% and ranking 6th out of 25 ‒ in our table of scores focused on how it handled claims.
Here's how customers rated RAC in various areas of service:
Application process | - |
Clarity of policy | |
Dealing with queries | |
Ease of managing your policy online | |
Fair treatment of longstanding customers | - |
Dealing with complaints | |
Value for money |
Table last updated in February 2024. Next update in January 2025. A dash '-' indicates we had insufficient sample size (less than 30) to generate a star rating.
RAC's policies are available directly and through the following price comparison websites:
According to RAC's website, its members pay 15% less on average when buying direct (based on sales data collected between January and June 2023). So if you find them on a comparison site, check if you can get a better price via their website.
There's also a 10% discount if you insure more than one car (known as multi-car insurance).
Above information correct as of February 2024.
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If you need to make a claim with RAC car insurance, call 0330 159 1062.
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