RAC motorbike insurance review

Check out our guide to find out if RAC has the right Motorbike insurance policy for you.

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RAC Motorbike Insurance

Making sure you are covered with the right insurance policy is the first step to avoid shedding out hundreds if your motorbike becomes damaged.

Check out our guide to see if RAC motorbike insurance can provide you with your ideal policy.

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Who is RAC?

The RAC stands for the Royal Automobile Club. The UK based company was set up in 1897 to provide roadside assistance to those in need. Over the years, they have branched out to provide other services, such as car insurance, home insurance and travel insurance.

RAC aim to provide customers with affordable, quality car insurance.

What are RAC’s cover options?

The RAC offer three car insurance options to suit the needs of customers. Below is a list of these policies and some of their features:

Third Party Cover

Third party is the minimum amount of car insurance that is legally required on the roads in the UK. It covers damage caused to other people’s property or compensation as a result of accidents that are deemed your fault.

RAC Third Party Fire and Theft Cover

Third party fire and theft cover gives you slightly more protection than the basic third party cover.

If you are involved in an accident, RAC will pay out to the third party. This cover also protects your car from damage caused by fire or theft.

However, it won’t pay out if your car is damaged in other ways such as a crash.

RAC’s Comprehensive Cover

This is one of the most extensive forms of cover you can get from RAC.

It covers theft, fire and accidental damage to your own vehicle, as well as third party damage.

What types of motorbike insurance are there?

  • 24/7 claims service
  • 90 days EU cover in 30×3 day periods
  • No Claims Discount available
  • Flexible cover options including accessories cover and multi-bike policies
  • 24/7 claims service
  • 90 days EU cover in 30×3 day periods
  • No Claims Discount available
  • Flexible cover options
  • Helmet and Leathers cover included
  • Personal Accident cover included
RAC bike insurance gives you the option to tailor your policy using a number of optional extras. These include:

  • Personal Accident Cover
  • Excess Protect Cover
  • Helmet & Leathers Cover
  • Legal Expenses Cover
  • Bike Hire Plus Cover
  • Key Protect Cover
  • RAC Breakdown Cover (UK and European options available)

What is covered under my policy?

Cover featureRAC Third partyRAC Third party, fire and theftRAC Comprehensive
Accidental damage
Fire and theft
Liability to other people
Going abroad
Replacement if damaged
Spare parts
Replacement if stolen
Emergency treatment

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 bike and your driving experience.

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

Make sure to read through your Policy Schedule to find the full details concerning excess payments.

What is the claims process for RAC?

If you need to make a claim, you can call the RAC claims department.

You can call on 0330 159 1167.

Their claims hotline is in operation 24/7.

You will need to have your policy number to hand, as well as any information about the claim you’re making. Your policy number can be found in your Policy Schedule.

Pros and cons for RAC


  • You receive a free biker neck tube with every new policy.
  • If you need a replacement bike and the one you are given is worth less than your previous one, you will be paid the market difference.
  • Optional extras to add on to your policy.


  • If you choose to pay with monthly instalments by direct debit, you may have to pay an interest rate.
  • Policy information is not easily accessible.

Please take reasonable care to answer all the questions honestly and to the best of your knowledge. If you don't answer the questions correctly, your policy may be cancelled, or your claim rejected or not fully paid. 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.
*51% of consumers could save £200. Quote aggregator Seopa split the insurers on its comparison systems into different categories. It then selected quotes from the most popular providers as well as quotes from other providers which returned a price. It then selected providers, weighting them according to UK insurance market share (data from the Association of British Insurers), choosing the cheapest of either the most popular providers or other providers ("the cheapest selected quote"). Seopa then compared the cheapest quote on its system against this "cheapest selected" quote. The company then took the savings figure which 51% or over could have saved, using that formula. The savings you could achieve will depend on your individual circumstances and how you selected your current insurance supplier.
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