RAC Car Insurance
The RAC provides complete peace of mind™ to more than 15 million personal and business members in the UK – catering for them across the board from breakdown assistance to insurance and a range of other driving services. Each year the RAC's patrol force attends more than 2m breakdowns.
We compare car insurance from up to 177 insurers1, including quotes from the RAC. When you compare quotes with us, we match your requirements against the insurer's criteria, to see if they'll offer you a quote. This means you may or may not get a quote from the RAC.
You can find out more about RAC Insurance below, or if you're ready to start comparing just click on the quote button.
1Correct as of February 2026
Who is the RAC?
Originally, founded as the Automobile Club of Great Britain in 1897, the RAC was the first organisation to introduce uniformed patrols in 1901 and was given royal approval by King Edward VII in 1907.
Over the years the RAC has constantly innovated to meet the needs of its members. In 1912, it introduced roadside emergency telephone boxes while in 2000 it became the first breakdown company to develop a recovery towing system that could be deployed from the back of one of its patrol vans.
Fast forward to 2022, and the RAC launched its first-of-its-kind nationwide Mobile Mechanics service which brings the garage to homes and workplaces. In the same year, it was the first to launch an all-electric patrol van.
Today, all RAC patrols are equipped with the latest mobile diagnostic equipment 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 Bristol and Salford, the RAC employs more than 4,000 dedicated staff.
BISL Limited arrange and administer RAC Car Insurance.
RAC policy details
Before choosing your RAC cover, you’ll first need to decide upfront how you want to manage your policy: online self service or a standard serviced option with call centre support.
The RAC offers three types of insurance cover: comprehensive, third party fire and theft, and third party only. Once you choose your cover type, you can pick from three product levels: RAC Standard, RAC Plus, or RAC Premier — with RAC Premier available only through online self service.
Third party fire and theft cover includes:
- 60 days EU cover
- Repairs guaranteed for three years at approved garages
- £500 cover on sound and sat-nav equipment.
Standard RAC comprehensive car insurance includes the above and also:
- Courtesy car
- Window glass cover
- Emergency treatment
- Replacement locks benefit
- Cover for accessories
- Personal accident benefit
RAC Car Insurance Plus covers everything standard cover does as well as the following:
- Child seat cover
- Uninsured driver and vandalism promise
- Travel home or hotel stay after an accident
- Increased levels of cover on personal accident, personal belongings and medical expenses
- £1,000 cover on sound and sat-nav equipment
RAC Car Insurance Premier covers everything Plus cover does as well as the following:
- RAC Roadside & Recovery breakdown assistance
- RAC Motor Legal Protection - up £100k
The RAC offers a selection of car insurance policies and types. Before buying car insurance, it’s important that you check the cover levels and benefits included to ensure it meets your needs.
Exclusions and limitations apply.
The RAC also offer black box, temporary, hire car and learner driver insurance.
Page last reviewed: 20/03/2026
Reviewed by: Matt Crole-Rees
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