Optional extras

RAC Breakdown Cover

Cover from only £29.99 a year

Don’t get caught out on a long journey. Protect your vehicle with 24/7 roadside rescue breakdown cover and your vehicle will be fixed at the roadside, as long as you're over ¼ mile away from home.

 Includes a 10 mile tow to a destination of your choice, local garage or a place of safety if your car cannot be fixed at the roadside.

 RAC patrols fix 4 out of 5 vehicles at the roadside

Motor Legal Protection

Available at no extra cost for the first 12 months of your policy if selected, and for the lifetime of the policy for RAC members1.

Who would pay the legal bill if another driver hit you and you were not at fault? Motor legal Protection covers your legal fees if you need to pursue someone for losses and expenses following a non-fault accident.

 £100K of legal cover and help to find you a solicitor

 24/7 legal helpline for advice relating to a motoring issue

 Compensation for personal injury and medical expenses

Personal Accident Cover

Cover for only £44.52 a year

If you're injured in a car accident, Personal Accident Cover could help you look after you and your family, paying out a cash benefit that varies depending on the injury.

 £100K in case of permanent disability or fatal injury to support your family or help you adjust if you are no longer able to work

 Up to £2k for burns and £1k for fractures

 £50 per day if you're hospitalised as the result of an accident (up to £4k per claim). This extends to £50 per day outpatient care (up to £300 per claim)

Keycare cover

Cover for only £18.99 a year

Feel uneasy when you lose a set of keys? With our Keycare policy you will be covered for any lost or stolen keys.

 Up to £1,000 of cover each year

 Cover includes any home, car, workplace or other property keys attached to your key fob

 Nationwide network of approved locksmiths

Excess Protection

Cover from only £25.99 a year

Claim back your policy excess for an accident when you are at fault, or if the accident involved an uninsured driver.

 Choose from up to £300 or £500 cover

 Covers multiple claims up to the value of cover

 Covers the policy-holder or any named drivers

Guaranteed Replacement Car

Cover from only £12 a year

Adding Guaranteed Replacement Car to your policy keeps you mobile by providing a replacement car should yours not be driveable following a claim.

 Provides cover in the event of accident repairs, vandalism, fire or flood, vehicle write-off or theft

 Choose from 14 days or 28 days cover

No Claims Discount (NCD) Protection

Cost is calculated on your overall premium

If you have an accident and need to claim on your policy, you'll lose the years of No Claims Discount you have built up, if you haven't protected your NCD.

 With NCD Protection you would be able to make one or more claims without it reducing the NCD applied to your policy premium

 NCD Protection covers up to 2 fault claims within a 3 year period. You will be eligible to purchase No Claims Discount Protection if you have 4 years or more No Claims Discount

You can add an optional extra to your policy using our online self service centre or by calling 0330 159 1031.

RAC Car insurance

Get up to 70% off RAC Car Insurance with 9+ years no claims discount

1 This offer applies to new RAC car insurance customers for the first year only, unless you are an RAC member then this offer is also available at renewal of your existing RAC car insurance policy. Motor Legal Protection is attached to the car insurance policy and will end if and when the car insurance policy ends. The offer cannot be transferred to any other policy and there is no cash equivalent available. We reserve the right to amend or withdraw this offer at any time.

RAC Insurance is a trading name of RAC Financial Services Limited. Registered in England and Wales No. 5171817. Registered office: RAC House, Brockhurst Crescent, Walsall, WS5 4AW. RAC Car Insurance and RAC Home Insurance are arranged and administered by BISL Limited, which is an independent intermediary. Registered in England no. 3231094. Registered office: Pegasus House, Bakewell Road, Orton Southgate, Peterborough PE2 6YS. Both companies are authorised and regulated by the Financial Conduct Authority.

Breakdown cover provided by RAC Motoring Services (Registered No 01424399) and RAC Insurance Ltd (Registered No 2355834). Registered in England; Registered Offices: RAC House, Brockhurst Crescent, Walsall, WS5 4AW. Arranged, sold and administered by RAC Motoring Services who is authorised and regulated by the Financial Conduct Authority in respect of insurance mediation activities only. RAC Insurance Ltd is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority

© 2015 RAC Motoring Services. All rights reserved.