raccouk

RAC Car Insurance pairs century‑old British motoring expertise with modern cover options. Beyond core policies, RAC bundles breakdown assistance, telematics and add‑ons aimed at drivers who value roadside reassurance across the UK.

Founded1897

Price tier$$

Main focusCar insurance with breakdown cover

CoverageUK (with European options)

Why choose RAC

Three strengths that define RAC Car Insurance

01Trusted roadside supportRAC is synonymous with patrols and recovery — insurance customers can add market‑leading breakdown cover for genuine peace of mind.

02Flexible cover optionsFrom telematics smart policies to classic‑car and multi‑vehicle plans, RAC offers tailored levels and extras to suit varied driver needs.

03Straightforward claimsClaims handling is focused on speed and clarity, with digital documents and telephone support backed by an established UK service network.

Comprehensive car insurance

RAC’s core car policies cover third‑party, third‑party fire & theft and fully comprehensive options, with add‑ons like courtesy car, windscreen repair and legal protection. Choose telematics for younger drivers to lower premiums, or multi‑car discounts for household fleets. Online quotes are straightforward, and policy documents arrive digitally for quick reference.

Breakdown cover that complements policy

Breakdown cover is RAC’s hallmark: options range from roadside assistance to home start and onward travel. Cover integrates smoothly with insurance policies so members get priority patrols and recovery. European cover and vehicle recovery add flexibility for drivers who travel abroad occasionally.

What they sell

Car insuranceBreakdown coverVan insuranceClassic car insuranceTelematics (smart) insuranceMulti‑car insuranceLegal protection add‑onEuropean cover

Our verdict

What we like

Renowned UK roadside assistance and rapid recovery
Range of policy types including telematics and classic cover
Clear digital documents and dependable claim support
Household multi‑car and optional add‑ons for tailored protection

Worth knowing

Premiums can be higher than budget online challengers
Coverage and pricing focused on UK drivers; limited outside the market
Some discounts require telematics devices or eligibility criteria

Frequently asked

How do I receive my policy documents?

RAC issues policy documents digitally by email for immediate access; printed copies are available on request. Your policy dashboard on the RAC website also stores documents.

Can I cancel or change my policy?

Yes. You have a 14‑day cooling‑off period to cancel for a full refund if no incidents occurred. After that, cancellations may incur fees; contact RAC customer service to amend cover.

Are there discounts available?

RAC offers discounts for multi‑car policies, telematics (smart) drivers, and existing RAC members. Occasional promotions appear online; get a personalised quote to see applicable savings.