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RAC

Car Insurance Help

Policy Information


Can I insure two cars at the same time?

Yes. You will, however, have to take out separate policies for each car.


Can I drive other people's cars under my own insurance?

Depending on your age and the level of policy cover chosen, you may be entitled to drive other people's cars. If you are eligible, then the level of cover provided is third party only irrespective of the cover you have chosen under your policy.

Your certificate of motor insurance will confirm if you have this cover.

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Why doesn't RAC underwrite my policy?

RAC searches a panel of insurers to find cover that best suits your requirements at the best possible price available from this panel. This means that it will not necessarily be the RAC that underwrites your cover.

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Do I need business use to drive to work?

No. Going to and from work is counted as commuting which would be covered under the Social, Domestic and Commuting option unless you use your vehicle for work purposes. For instance, if you drive to your office, this is commuting. If you use your vehicle to deliver office supplies, but also use it for social and domestic use, you would need a business cover policy.

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What is a protected no-claims discount?

Besides the vehicle itself, a no-claims discount is probably the biggest influence on the cost of your insurance. The more years you have held insurance without claiming the higher the discount we will apply to your premium. Once you have been insured for four or more years without claiming, for an extra premium you can protect this discount. That means that even if you claim in the current or future years and you hold insurance with us, we will not reduce or remove your no-claim discount.

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Can I get instant cover with RAC Car Insurance?

Yes. As soon as you've successfully applied and purchased online, if you select the same day for your cover to start, you will be covered immediately.

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Will I be insured if I drive abroad?

Your policy includes compulsory third-party liability cover to drive within the European Union. If you choose our RAC Car Insurance Plus cover you will receive comprehensive cover to drive within the European Union for a maximum of 60 days.

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If I have a maximum no-claims discount and I buy a second car can I add my no-claims bonus to both cars?

No. Your no-claims discount can only be applied on one vehicle/policy.

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What is an excess?

An excess is the amount of money we will ask you to pay if you make a claim. If you wish to reduce your insurance premium you'll have to increase your excess.

If a claim is not deemed to be at fault, it is usually possible to reclaim the excess paid from the third party involved.

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Can I drive abroad on my policy?

Your policy includes compulsory third-party liability cover to drive within the European Union. If you choose our Insurance Plus cover you will receive comprehensive cover to drive within the European Union for up to 60 days total in any period of insurance.

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