RAC car insurance

The RAC provides complete peace of mind to more than 12.7 million personal and business members in the UK – catering for them across the board from breakdown assistance to insurance and a range of other motoring services. In 2020, the RAC's patrol force attended 2.2m breakdowns.

We compare up to 169 insurers¹, including quotes from RAC. When you compare quotes with us, we match your requirements against the insurer's criteria, to see if they'll offer you a quote. This means you may or may not get a quote from RAC.

You can find out more about RAC below, or if you're ready to start comparing just click on the quote button.

¹Correct as of October 2024

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Why choose RAC car insurance?

Five different levels of breakdown cover to choose from as an extra
Uninsured driver and vandalism promise included with plus cover
Online self-service centre to access your documents 24/7

Who is RAC?

Founded as the Automobile Club of Great Britain in 1897, RAC was the first to introduce uniformed patrols in 1901. And in 1907 it became the Royal Automobile Club after being given royal approval by King Edward VII. Over the years the RAC has innovated to meet the needs of its members. In 1912, the RAC introduced roadside emergency telephone boxes and in 2001 it became the first breakdown company to develop a recovery trailer that could be deployed from the back of one of its vans.

Today, all RAC patrols are equipped with the latest mobile diagnostic equipment – RAC Scan - which enables them to identify faults that would otherwise need to be dealt with by a garage. As standard, every RAC van carries more than 500 parts and tools which patrols use to fix four out of five breakdowns on the spot.

With its headquarters in Walsall in the West Midlands, and offices in Manchester and Bristol, the RAC employs approximately 4,000 dedicated staff.

BISL Limited arrange and administer RAC car insurance.

RAC policy details

RAC offers a range of cover from comprehensive, third-party only, third-party fire and theft. New customers can then choose from two levels of comprehensive cover, standard RAC car insurance and RAC car insurance plus.

The third party fire and theft cover includes:

60 days EU cover
Repairs guaranteed for three years at approved RAC garages
£500 cover on sound and sat-nav equipment

The standard RAC comprehensive car insurance includes the above and also:

Courtesy car
Window glass cover
Emergency treatment
Replacement locks
Cover for accessories
Personal accident benefit

The RAC car insurance plus covers everything standard cover does as well as the following:

Child seat cover
Increased personal accident benefit
Courtesy car
Uninsured driver promise
Travel home or hotel stay after accident
Higher amount of cover on personal accident, personal belongings, medical expenses sound and sat nav equipment

The RAC offers a selection of car insurance policies and types. Not all policies and types are available through our site, so the exact levels of cover and benefits may vary. Before buying car insurance, we recommend you check the cover and benefits included.

They also offer black box, temporary and learner driver insurance.