RAC are commonly known as breakdown cover providers, however they also offer car insurance. But with so many car insurance brands on the market, does RAC offer value for money? To compare RAC to other popular car insurance brands, click the blue "Get Quotes" button below. It takes just 2 minutes to see how much you can save with RAC, Hastings, Admiral and others.
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In This Review
- RAC Car Insurance: Overall Review
- Customer Reviews and Ratings
- Cost Comparison and Discounts
- Cancellation fees, phone numbers and policy documents
RAC Car Insurance Overall Review
There are many good features included in RAC comprehensive car insurance policies. According to their website, standard features include windscreen repair or replacement, cover for belongings, a courtesy car, replacement locks, 60 days of EU cover, etc.
Those looking for extra cover can choose their "Plus" policy, which is 5 star Defaqto rated and also includes an uninsured driver promise (to protect your NCD if you're not at fault), child seat cover and transport home after an accident in GB if your car is not drivable.
There are a few missing features to be aware of, however. For instance, while a courtesy car can be offered on their "Plus" plans while your car is being fixed by an approved repairer as the result of a claim, they won't provide a courtesy car if your car is written off or stolen.
RAC car insurance might very well find you a cheap car insurance quote since they work with a panel of insurers, but they don't work with all of the big UK car insurers so it can be worth comparing prices before you sign up.
RAC offers the following types of car insurance:
- Single car
- Young or new driver (telematics)
- Multi-car: Up to 3 cars to receive a 10% discount
- Temporary insurance: Instant cover from 1 hour to 30 days
Here is a high-level summary of RAC car insurance cover for policies bought direct from the RAC website—remember, these are always subject to conditions and exclusions. There may be variation in the smaller details because RAC works with a panel of insurers, each of which may have their own nuances.
|RAC Direct Car Insurance Coverage Features||Comprehensive Car Insurance Plus||Standard Comprehensive Car Insurance||Third-Party, Fire and Theft Car Insurance|
|Motor Legal Protection (if select free 12 month option)|
|60 days EU cover (same cover)|
|Uninsured driver promise|
|Courtesy car as standard (subject to availability and eligibility)|
|Repairs guaranteed (3 years, approved garage)|
|Personal accident cover||£10,000||£5,000|
|Medical Expenses||Up to £250||Up to £100|
|Personal belongings||Up to £250||Up to £150|
|Transport home after an accident||Anywhere in Great Britain~|
|Child seat cover|
|Window Glass Cover|
|Cover for Accessories|
|Sound and Sat-nav equipment||Unlimited (£1000 if self-fitted)||Unlimited (£500 if self-fitted)||Unlimited (£500 if self-fitted)|
|New car benefit|
RAC offers a telematics plan for young or new drivers who want to pay a lower premium—because the cost of car insurance for young drivers is notoriously high.
- No curfews: Unlike some telematics plans, you are not restricted as to when you can drive.
- You choose your annual mileage: Just be sure you estimate this correctly.
- No installation fees: They'll arrange to fit the box at time and location convenient to you.
- Uninsured driver promise: You won’t lose your no claims bonus if your car is hit by an uninsured driver and it wasn’t your fault. Also, your excess will be reimbursed.
Driver Scores are between 1 and 100 and take into account a number of factors but most importantly: braking, acceleration and speeding. You'll also need to be aware of "Red Alerts" and "Black Alerts" because they can spell trouble for your coverage.
If you get three Red Alerts (which are based on your driving score), a policy may be cancelled and trigger a £125 cancellation fee—if so, RAC will send you 7 days notice of the cancellation.
|Driver Score||Driver Category|
|Below 20||Red Driver|
|Between 20 and 40||Risk of Red Driver|
|Between 41 and 90||Amber Driver|
|Over 90||Green Driver|
Black events are triggered by excess speed. Just one black event can mean your insurance will be cancelled. Here's when a black event is triggered:
|Speed Limit||Speed Alleged|
|20mph||In excess of 40mph|
|30mph||In excess of 51mph|
|40mph||In excess of 66mph|
|50mph||In excess of 75mph|
|60mph||In excess of 85mph|
|70mph||In excess of 100mph|
Drivers taking out an RAC telematics policy should be aware that extreme or consistently bad driving behviour may result in cancellation of your policy—this can include, for instance, being caught speeding.
RAC Car Insurance Customer Service Reviews, Complaints and Ratings
RAC Insurance has mixed reviews, but we'd like to point out that lots of their negative reviews are related to cancellation charges—RAC cancellation fees are quite similar to the average cancellation fees you'll pay with most brokers.
|RAC Insurance Ratings & Customer Reviews|
|Defaqto||5 star ("Plus" policy)|
RAC Insurance Trustpilot
RAC Insurance is not currently rated on Trustpilot. RAC Breakdown Cover is rated with 4 out of 5 stars by close to 45,000 customers.
On Reviews.co.uk, RAC gets a score of 2.89 out of 5 stars by over 600 customers. A large proportion of negative reviews relate to cancellation charges or rates going up after a change, while positive reviews centered around good prices and good customer service experiences. Here is a sample of the positive reviews:
"I've had a really good experience with the RAC. I had an accident that wasn't my fault. They were very helpful and professional on the phone, arranged a courtesy car the same day and had arranged the collection of my car which was a write off within a few days. I also had a follow up call the next day to check everything was okay. I would happily recommend!"
"Saved over £400 pounds, how do they do it?"
"Great price for car insurance will use them again."
And here is a sample of negative reviews of RAC from Reviews.co.uk:
"My son tapped a car at a roundabout and apparently that cost £1500 to repair... went to cancel his car insurance to then be told he has to finish paying the remaining 4 payments or the balance will be sent to a creditor."
"Took renewal, we are 7 days in. Car insured no longer able to drive. Call for quote for a car 10 years newer and cost more than DOUBLES for monthly premium. Call to cancel and charged £25 for the pleasure."
"They have charged £25 for cancelling the policy although the new policy has not even started!!"
We should point out that many of the negative reviews are related to standard car insurance practices, and should not necessarily be a knock to RAC in particular. For example, it is not unusual that if cancel your car insurance after having made a claim, you have to pay the remaining monthly payments for the year (or, if you've paid upfront, you won't get a refund). Also, newer cars can cost significantly more to insure than an older car of the same make and model, because they would cost more to repair or replace in case of damage or theft.
Finally, RAC car insurance has earned 5 out of 5 stars from Defaqto for features.
RAC Car Insurance Quote Comparison
As a broker, RAC Insurance will survey their panel of insurers to find you the best quote that they can. Since their panel doesn't include every insurer, you may be able to find a cheaper quote elsewhere, however.
Prices for car insurance can vary significantly from day to day and company to company, and depend on factors like your age, driving experience, postcode, car, etc. The quickest way to compare RAC Insurance to the market is by using a comparison site like our partner QuoteZone—they can supply quotes from RAC Insurance and over 100 other insurance brands to save you time and money.
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RAC Car Insurance Discounts
There are a few ways to save on a car insurance which apply to nearly every company, such as maintaining a good driving record, building your no claims discount and paying in full at the start of each policy year (to avoid paying an APR on the premium that you're essentially borrowing).
In addition, an easy way to get a cheaper car insurance quote is to buy your policy around three weeks in advance—that's typically the best time to buy a car insurance policy. After this time, rates usually climb.
Another tip to get a lower premium is reassessing where you park your car at night. If you have access to a garage there's a lower chance of theft. For other tips, see our research on how to get a car insurance discount.
It's always a good idea to compare the market also, especially when it comes time for renewal, to make sure you'll getting a good deal. RAC Insurance is part of the comparison panel provided by our car insurance partner QuoteZone, a comparison website that works with over 100 brands in the UK car insurance market. Using QuoteZone, you should be able to get a quote from RAC Insurance as well as competitors to compare prices and see which companies offer the best deals in your post code and for your car.
Admin and Cancellation Fees
Below are the RAC car insurance cancellation fees. Remember that, as with all insurance policies, you also pay for time on cover—although if you've made a total loss claim then all outstanding payments are due and no refund will be given.
|RAC Administration Fees|
|Cancel your policy within first 14 days||£25|
|Cancel your policy after 14 days||£55|
|Cancel your black box policy after 14 days||£125|
|Admin Fees (e.g., change address)||£25|
Important RAC Car Insurance Phone Numbers
RAC customer service and help contact numbers are summarised in the table below, and you can find additional information on renewals, changes and new quotes here. Claims lines are open 24/7 to assist policyholders as quickly as possible.
|RAC Car Insurance Contact Numbers|
|Customer Service||0330 159 1031|
|24 Hour Helplines|
|For glass claims call||0330 159 1051|
|For general claims call||0330 159 1062|
|Learner driver claims||0800 015 6166|
To find out more about what's covered by an RAC car insurance policy, read their coverage page.
Other Car Insurance Reviews
If you'd like to compare RAC to other car insurance companies, see our other car insurance reviews below: