RAC temporary car insurance review
We've analysed the RAC's temporary car insurance. Will it give you the promised flexible and cost-effective protection? Here's what you need to know.
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The temporary car insurance through the RAC gives the highest level of cover (comprehensive) as standard, and you can get it for 1 day – or even 1 hour – up to 30 days. Plus, the RAC says that an extra discount could apply for temporarily insuring a car that is already annually insured, and any claims made under a temporary policy won’t affect the annual no-claims discount.
RAC stands for the Royal Automobile Club. The UK-based company was set up in 1897 to provide a breakdown recovery service. 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 and offers both personal and business short-term car, van and motorhome cover. RAC temporary insurance is arranged and administered by DayInsure.com Ltd.
RAC will accept almost anyone with a valid and full UK driver’s licence and can also cover customers who hold a full EU, EEA, Australian, New Zealand and South African driving licence and have done so for at least six months (or three months if aged over 25).
Here are some of the benefits of the RAC’s temporary car insurance:
Unfortunately not. To get short-term car cover, both you and the car must meet the RAC’s eligibility criteria.
You must:
The car must:
Your car insurance excess is the amount of money you will need to pay towards a claim. Your insurer won’t pay out for a claim that costs less than this amount. A compulsory excess amount might vary depending on the age of your car and your driving experience.
A voluntary excess is on top and is normally set by you when taking out a policy. You’ll have the option of adding a voluntary excess or increasing it – which should lower your premium.
You’ll find details about any compulsory or voluntary excesses in your policy document.
You should call the DayInsure claims line on 08000 156 166 to make a claim. This 24-hour claims line is open 7 days a week.
You will need to provide the following information:
It’s vital that you let your insurer know about an incident straight away, even if it’s not your fault. Failure to do this could result in a rejected claim later on.
If you’re looking for temporary car insurance, RAC offers comprehensive cover as standard but if you need protection for more than 30 days, you’ll have to look elsewhere.
Remember to shop around for short term insurance and compare other temporary car insurance policies that match your needs.
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