RAC car insurance review

RAC doesn't just offer breakdown cover – here's our analysis of car insurance from RAC to help you decide whether it has the policy for you.

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RAC car insurance

Our verdict

RAC’s Comprehensive policy and Comprehensive Plus policy both offer a good range of benefits, with lock replacement and windscreen cover included as standard. There is a guarantee on all approved repairs and an uninsured driver’s promise.

The RAC website is not easy to navigate, but its policies offer decent benefits, including its third party, fire and theft policy.

If you're unsure RAC car insurance is for you, you can also compare other car insurance policies to find a better fit.
  • There is no excess to be paid for windscreen damage.
  • Uninsured driver’s promise – RAC offers protection against uninsured drivers – but only with the 5-star policy.
  • Not much information on third party car insurance.
  • Policy information is not easily accessible.

The RAC is best known for its breakdown service, but also offers several levels of car insurance to customers. Check out our guide to find out more about car insurance from RAC, like what’s included, how easy it is to claim and the pros and cons of the policy.

Who is the RAC?

RAC stands for the Royal Automobile Club. The UK-based company was set up in 1897 to provide a breakdown recovery service to those in need. Over the years, it has branched out to provide other services, such as car insurance, home insurance and travel insurance.

The RAC says it aims to provide customers with affordable, quality car insurance.

Who underwrites RAC’s car insurance?

RAC car insurance is administered by BISL Ltd. Policies are underwritten by a panel of insurers. For more information about the underwriters of your policy, please consult your policy schedule.

What’s covered under my policy?

RAC offers 2 levels of comprehensive car insurance. If you are responsible for causing an accident, you’ll be covered for damage to third party vehicles or property, as well as your own car.

Have a look at the table below to see what the two cover options from RAC offer.

Product NameRAC Third Party Fire and TheftRAC Standard Comprehensive
Damaged windscreen and window glass
Fire and theft
Personal belongings
Liabilities to third parties
Using the car abroad
Alternative travel costs
No-claims discount
Replacement locks
Permanently fitted audio equipment

What are the RAC’s different policies?

Below is a list of RAC’s policies and some of their features:

How do I make a claim?

If you find yourself needing to make a claim, you can call the RAC claims department on 0330 159 1062.

The hotline is in operation 24/7.

When making a claim, make sure that you have your claims number to hand as you will need it. You can find it in your policy information.

What is my excess?

An excess is the amount of money that you will have to contribute when you make a claim. The amount of your excess can change depending on variable factors such as your car and your driving experience.

Opting for a higher excess where possible could reduce the cost of your insurance premium.

If a claim is decided to not be at fault, it is possible for you to reclaim your excess payment from the third party involved.

Make sure you read through your policy schedule to find the full details concerning excess payments.

RAC car insurance customer reviews

On customer review platform Trustpilot, RAC (as a whole) has 3.9 out of 5 stars and a rating of “Great”, based on more than 118,000 reviews.

Things are not as bright on Reviews.io, where the company has 2.2 out of 5 stars, based on more than 1,100 reviews.

Customers praise the good service, but some complained of extra charges and long wait times for assistance (updated May 2024).

How to cancel RAC car insurance

You can cancel online if you log in to your account or call 0330 159 1031.

Frequently asked questions

The offers compared on this page are chosen from a range of products we can track; we don't cover every product on the market...yet. Unless we've indicated otherwise, products are shown in no particular order or ranking. The terms "best", "top", "cheap" (and variations), aren't product ratings, although we always explain what's great about a product when we highlight it; this is subject to our terms of use. When making a big financial decision, it's wise to consider getting independent financial advice, and always consider your own financial circumstances when comparing products so you get what's right for you. Most of the data in Finder's comparison tables has the source: Moneyfacts Group PLC. In other cases, Finder has sourced data directly from providers.
*Based on data provided by Consumer Intelligence Ltd, www.consumerintelligence.com (Mar ’24). 51% of car insurance customers could save £539.54

Written by

Millie Spark

Millie Spark was a writer for Finder and covered a range of subjects including how to get the best deal on everyday shopping, and insurance. See full profile

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