RAC Car Insurance: As Good As Breakdown?

RAC Car Insurance: As Good As Breakdown?

Car insurance from a household name. Check the different levels of comprehensive cover before you buy.

Good for

  • Panel of insurers
  • Plus plan offers more features
  • Household name

Bad for

  • Some missing features on basic comprehensive plan
  • No driving other cars

Editor's Rating

3.5/5.0

The guidance on this site is based on our own analysis and is meant to help you identify options and narrow down your choices. We do not advise or tell you which product to buy; undertake your own due diligence before entering into any agreement. Read our full disclosure here.

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

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

RAC Features

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 FeaturesComprehensive Car Insurance PlusStandard Comprehensive Car InsuranceThird-Party, Fire and Theft Car Insurance
Motor Legal Protection (if select free 12 month option)
thumbs up
thumbs up
thumbs up
60 days EU cover (same cover)
thumbs up
thumbs up
thumbs up
Uninsured driver promise
thumbs up
red x
red x
Vandalism promise
thumbs up
red x
red x
Courtesy car as standard (subject to availability and eligibility)
thumbs up
thumbs up
red x
Repairs guaranteed (3 years, approved garage)
thumbs up
thumbs up
thumbs up
Personal accident cover£10,000£5,000
red x
Medical ExpensesUp to £250Up to £100
red x
Personal belongingsUp to £250Up to £150
red x
Transport home after an accidentAnywhere in Great Britain~
red x
red x
Child seat cover
thumbs up
red x
red x
Window Glass Cover
thumbs up
thumbs up
red x
Emergency Treatment
thumbs up
thumbs up
red x
Replacement locks
thumbs up
thumbs up
red x
Cover for Accessories
thumbs up
thumbs up
red x
Sound and Sat-nav equipmentUnlimited (£1000 if self-fitted)Unlimited (£500 if self-fitted)Unlimited (£500 if self-fitted)
New car benefit
thumbs up
thumbs up
thumbs up

RAC Telematics

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 Score

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 ScoreDriver Category
Below 20Red Driver
Between 20 and 40Risk of Red Driver
Between 41 and 90Amber Driver
Over 90Green 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 LimitSpeed Alleged
20mphIn excess of 40mph
30mphIn excess of 51mph
40mphIn excess of 66mph
50mphIn excess of 75mph
60mphIn excess of 85mph
70mphIn 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
Trustpilotn/a

Reviews.co.uk

4
Defaqto5 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.

RAC Reviews.co.uk

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.

RAC Defaqto

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.

Cheap Car Insurance Quotes in Your Area

Quickly compare up to 100+ UK insurance brands, including RAC Insurance.

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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 Service0330 159 1031
24 Hour Helplines
For glass claims call0330 159 1051
For general claims call0330 159 1062
Learner driver claims0800 015 6166

Policy Documents

To find out more about what's covered by an RAC car insurance policy, read their coverage page.

FAQs

RAC works with a panel of insurers, including some of the biggest UK car insurance companies.
While some car insurance brands offer third party only cover for driving other cars on a one-off, temporary basis, RAC Insurance does not allow you to drive other cars.
Motorists can get up to 65% off with 9+ years of no claims discount.
If the insurer is unable to get your NCD documents from the MIB database, RAC will ask you to provide proof of your no claims status via upload on the online self service centre, or email [email protected], quoting your RAC Car Insurance policy number.
If you have a black box policy with RAC, you are insured to drive your car from the policy start date—but you must get your box fitted within 14 days of the start date or your policy will be cancelled and you'll be charged a cancellation fee.
RAC can offer competitive car insurance prices due to their panel of insurers, some of which are on the list of top 10 largest UK car insurance companies.
RAC telematics policies have no curfew.
To get an RAC quote you can either go directly to their website or use a comparison site like our partner QuoteZone.
Policyholders will be charged a £25 fee to cancel during the 14-day cooling off period and £55 afterwards (plus time on cover, of course). RAC cancellation fees are nearly identical to the average UK car insurance cancellation fee.
RAC comprehensive car insurance policies include windscreen cover. A windscreen claim will not affect your No Claim Discount. Be sure to call the claims line to arrange work by an approved repairer or your coverage limit will be much lower.

Other Car Insurance Reviews

If you'd like to compare RAC to other car insurance companies, see our other car insurance reviews below:

Erin Yurday

Erin Yurday is the CEO, Co-founder and Editor of NimbleFins. Prior to NimbleFins, she worked as an investment professional and as the finance expert in Stanford University's Graduate School of Business case writing team. Read more on LinkedIn.

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