Buy direct and get added security, with Motor Legal Protection included as standard More information
A range of standard features including a small courtesy car while yours is being repaired. Exclusions apply More information
Guaranteed discount for Clubcard customers
Pay to add a range of optional extras to meet your lifestyle and needs. More information
Reassurance that our Car Insurance is underwritten by a carefully selected range of insurers More information
Aged 17-25? Check out our Box Insurance for young drivers
Manage your insurance policy online at a time convenient for you, 24 hours a day
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About Car Insurance
YOU AND YOUR PASSENGERS
YOUR INSURANCE ACCOUNT
With our comprehensive Car Insurance, you get cover for your vehicle that includes:
Uninsured driver promise
Our cover comes with peace of mind that if your car is hit by an uninsured driver, you won’t be penalised for it. As soon as we validate the details of the incident (including the other vehicle’s make, model and registration number), your no claims discount will be reinstated and your excess will be refunded to you. Terms apply
Small courtesy car
You’ll get a small courtesy car to help you keep going while yours is being repaired following a claim. There are a few exclusions so please check these. Check exclusions
Fire and theft cover
We’ll pay for loss or damage to the car caused by fire, theft or attempted theft.
A chipped windscreen doesn’t have to spoil your day. We’ll pay for the cost of repairing or replacing your broken or chipped windscreen or windows. We’ll also pay for any scratching to the paintwork that might have been caused by broken glass from the windscreen or windows.
Replacement child car seat
We will replace any child seats that are fitted to the car at the time of an incident, even if you can’t see any damage. You can’t be too careful with your precious cargo.
In-car entertainment equipment cover
This includes any stereo, sat nav, telephone and entertainment equipment, that are permanently fitted to your car.
UK cover extended to EU for up to 90 days
With our Car Insurance, you can drive away on holiday to the EU. No need to pay extra. Your cover is extended to any EU country for a total of 90 days within the period of your insurance as long as you are a UK resident. Great for a last-minute escape.
At the RAC we’re committed to finding our customers a great deal on their car insurance — you know you’re buying great quality cover from a name you can trust and we find customers our most competitive quote from our panel of selected insurers.
Our RAC Car Insurance Plus has been awarded the top 5 star rating from Defaqto and is our highest level car insurance cover. However, you won’t find it on price comparison sites — you can only buy directly from us. This helps us to lower costs all round and still offer our customers a rich, comprehensive level of cover.
We also have a range of other car insurance policies, so customers can build their own policy specifically for their needs. Families may be interested in our RAC Multicar Insurance, while new drivers may save money with a Black Box Insurance policy. When you buy RAC Car Insurance, you can add optional extras including Breakdown Cover, Motor Legal Protection and No Claims Discount Protection.
Getting a quote for RAC Car Insurance takes just a few minutes online.
Consumer Intelligence award winner for Trust in 2017 and 2018, as voted for by drivers
With our Defaqto 5 Star Rated Car Insurance Plus you could pay less than £1701
RAC members pay £111 less on average for RAC Car Insurance than non-members3
Types of Car Insurance
Whether you want to insure your child’s first car or purchase temporary insurance cover for a weekend away, we have a range of policies to suit the whole family. Choose from our 5 Star Car Insurance Plus, Black Box Insurance, Multicar Insurance, Temporary Car Insurance or Classic Car Insurance.
Young or new drivers
2 or more cars
Short term cover
5 Star Rated Car Insurance Plus — only available direct from the RAC
Cover for less than £1701 (that’s what 10% of our customers paid)
As the motoring experts, we search a panel of carefully selected insurers to give you our most competitive price. And with 120 years’ experience of serving customers, you know you’re in safe hands when you buy with the RAC.
Uninsured driver promise – so you won’t lose your no claims bonus if your car’s vandalised or hit by an uninsured driver
5 Star rated cover – RAC Car Insurance Plus has been awarded 5 stars by independent financial research company Defaqto
Exclusive 10% RAC member discount^ – we value our members and apply an automatic 10% discount
Free Motor Legal Protection – benefit from free Motor Legal