RAC Car Insurance

The RAC was established in 1897 and it provides motoring services to over 8 million members. 


Their Headquarters are in Birmingham and if you need to contact them to make a claim, you can call them at their UK call centre on 0330 159 1062.


Car Insurance with the RAC has a standard policy and 5 star rated cover, if you want more benefits and higher limits. Inexperienced drivers could get affordable insurance rates with black box cover.


Terms and conditions will apply to the benefits you’re offered, so it’s important to check your policy wording before you purchase.



RAC car insurance

The benefits of an RAC Standard Insurance Policy:

  • Windscreen cover, including sunroofs
  • Audio and navigation equipment
  • Personal belongings
  • Medical cover – if you need to pay for emergency medical assistance after an accident
  • Personal accident compensation – an amount to compensate you or your family if you are badly injured or killed as a result of a road traffic accident
  • Theft of car keys – new keys and replacement locks if your keys are stolen
  • European travel – travel in Europe for up to 60 days
  • Courtesy car – whilst your own car is being repaired after an accident
  • Guarantee on repairs - 3 years

5 Star Rated Cover also includes:

  • Uninsured Driver Promise – if you have an accident that’s not your fault and the other driver isn’t insured, you’ll have to claim for repairs to your car on your own policy. You won’t however, have to pay your policy excess nor will you lose your no claims bonus
  • Replacement locks – new keys and replacement locks if your keys are lost, damaged or stolen
  • Vandalism cover – you won’t lose your no claims bonus if you have to make a claim for damage to your car that’s been done maliciously
  • Child car seat cover
  • Travel Home Assistance – cover to get you back home anywhere in Britain if you can’t drive your car after an accident

The following additional benefits can be purchased with RAC Car Insurance and added on to your policy to give you wider cover:

  • Motor Legal Protection – help when you need it to pursue a claim for your losses if you are involved in an accident that’s not your fault. Uninsured losses can include a claim for personal injury, car hire charges, loss of earnings, the reimbursement of your policy excess and any other out of pocket expenses you have incurred
  • Keycare Cover – covers lost or stolen keys on your fob, whether they are from your car, home or your business. Includes replacement locks and the locksmith’s charges, plus car hire for a limited period if your locks and keys cannot be fitted immediately 
  • Excess Protection – gives you your excess back if you are in an accident that’s your fault, or with a driver with no insurance
  • Enhanced Personal Accident Cover – a higher limit than standard cover in the event that you are badly injured or killed as a result of a road traffic accident
  • Breakdown cover – roadside Rescue – this cover will come out to you as long as you’re at least a quarter of a mile away from home and attempt to fix your problem at the roadside. If your car can’t be fixed then the RAC will tow it to a destination of your choice, up to 10 miles

The RAC also caters for younger drivers with black box insurance. There’s no curfews and no limits on mileage. The box, which isn’t much bigger than a mobile phone is installed out of view.


Once you start to drive the box will send information to the RAC about the way you drive. It looks at how you accelerate, brake and corner. You’ll also be monitored as to what time of the day you are doing most of your driving and the mileage you are covering. If you prove to be a safe driver, then RAC black box insurance will reward you with cheaper insurance.


The RAC is a well-known motoring organisation which offers a wide range of products and benefits to suit your budget. If you are looking for a highly rated insurance provider, then get an RAC Car Insurance quote today.

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