RAC car insurance

Find out about RAC car insurance

RAC car insurance logo

Last reviewed 23 August 2022

Why choose RAC car insurance?

  • Five different levels of breakdown cover to choose from as an extra
  • Uninsured driver promise and vandalism promise included with plus cover
  • Online self-service centre to access your documents 24/7

If you choose RAC car insurance, you have a choice of comprehensive, third-party only, third-party fire and theft cover with their standard car insurance.

If you take out RAC's Plus level of cover, other key benefits include an uninsured driver promise so you won’t lose your no claims bonus if your car is hit by an uninsured driver, and it wasn’t your fault. There's also a vandalism promise included with plus cover that means if your car is vandalised, you won’t lose your no claims bonus.

Compare car insurance quotes from up to 142 insurance companies

Who is RAC?

The RAC provides complete peace of mind to more than 12.7 million personal and business members in the UK – catering for them across the board from breakdown assistance to insurance and a range of other motoring services. In 2020, the RAC's patrol force attended 2.2m breakdowns.

Founded as the Automobile Club of Great Britain in 1897, the organisation was the first to introduce uniformed patrols in 1901. And in 1907 it became the Royal Automobile Club after being given royal approval by King Edward VII.  Over the years the RAC has innovated to meet the needs of its members. In 1912, the RAC introduced roadside emergency telephone boxes and in 2001 it became the first breakdown company to develop a recovery trailer that could be deployed from the back of one of its vans.


Today, all RAC patrols are equipped with the latest mobile diagnostic equipment – RAC Scan - which enables them to identify faults that would otherwise need to be dealt with by a garage. As standard, every RAC van carries more than 500 parts and tools which patrols use to fix four out of five breakdowns on the spot.

With its headquarters in Walsall in the West Midlands, and offices in Manchester and Bristol, the RAC employs approximately 4,000 dedicated staff. 

BISL Limited arrange and administer RAC car insurance.

RAC policy details

RAC offers a range of cover from comprehensive, third-party only, third-party fire and theft. New customers can then choose from two levels of comprehensive cover, standard RAC car insurance and RAC car insurance plus.

The standard RAC car insurance covers the following:

  • Courtesy car
  • Repairs guaranteed for three years at approved RAC garages
  • Personal accident benefit.

The RAC car insurance plus covers the following:

  • Vandalism cover
  • Child seat cover
  • Increased personal accident benefit
  • Courtesy car
  • Uninsured driver promise
  • Travel home after accident
  • Repairs guaranteed for three years at approved RAC garages.

The RAC offers a selection of car insurance policies and types. Not all policies and types are available through our site, so the exact levels of cover and benefits may vary. Before buying car insurance, we recommend you check the cover and benefits included.

The RAC also offer multicar insurance if you have up to 3 additional cars in your household. For every additional car you insure with the RAC, you’ll get 10% off the price of your insurance. Friends, family and housemates can also benefit from discount - as long as you all live at the same registered address.

Contact RAC

If you would like to contact the RAC you can use the following methods:

By writing

RAC Motoring Services, RAC House, Brockhurst Crescent, Walsall, WS5 4AW.

By email

You can use a contact form on the RAC website.

Buy car insurance and choose a freebie with Rewards

Single annual policy. Lidl Plus app required 18+, HelloFresh 18+ subscription service, geographical exclusions apply. T&Cs apply

Lidl Plus logo £20 to spend
IMO logo 12 free car washes
Halfords logo £20 to spend
HelloFresh Logo Free recipe box