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Car Insurance

Car Insurance

At the RAC we’re committed to finding our customers a great deal on their car insurance. Our comprehensive Car Insurance Plus is packed with features and benefits and has a 5 Star Rating from Defaqto, so you know you’re buying great quality cover.

We search a panel of carefully selected insurers to give you our best possible price and you can get annual cover for less than £154^ (that’s what 10% of our customers paid).

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  RAC Car Insurance 5 Star RAC Car Insurance Plus
Courtesy car as standard
Free motor legal protection cover for 12 months
Approved claims repairs guaranteed for 5 years
60 day EU cover
Transport home after an accident Anywhere in Great Britain
Uninsured driver promise
Replacement locks
Vandalism cover

With RAC Car Insurance Plus, our uninsured driver promise means you keep your no claims bonus if your car's vandalised or hit by an uninsured driver. And we’ve included Personal Accident Cover for you and your partner of up to £5,000 per claim.

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More about Car Insurance

Motorists in the UK are required by law to have valid car insurance. Driving without motor insurance is illegal, carrying a maximum fine of £5,000, six to eight penalty points and potentially disqualification from driving.

If you are involved in any kind of road accident, car insurance protects you, your vehicle and other road users by providing financial compensation to cover the costs of any damage or injuries. The minimum legal requirement for car insurance is third party, which will cover you if you cause damage or injury to another person, vehicle, animal or property in a road incident.

However, third party insurance does not cover the potentially high costs of repairing any damage to your own car, or cover you if your vehicle is stolen or damaged in a fire. For a higher level of cover, third party, fire and theft car insurance or comprehensive car insurance are options.

Upgrading to comprehensive car insurance will provide you with the highest cover and protect against damage to your own vehicle, even if you are to blame for the accident. If you are involved in an accident where you are not at fault, the RAC’s award-winning comprehensive car insurance will also provide free motor legal protection cover of up to £100,0001, to help you pay for any legal expenses that you might incur.

Our comprehensive Car Insurance Plus product has a 5 Star Rating from Defaqto5-Star Car Insurance

Our comprehensive Car Insurance Plus product has a 5 star rating from Defaqto.


^ 10% of all customers buying Car Insurance Plus with us from 1st June 2014 to 30th November 2014 paid less than £154. Based on comprehensive Car Insurance Plus, purchased direct, excluding any additional products and upgrades, with payment on an annual basis. Your premium will depend on your circumstances and the level of cover you choose.

Excludes Isle of Man and the Channel Islands.

1 Applies to first year of cover only.

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 is arranged and administered by BISL Limited, which is an independent intermediary, and is underwritten by a panel of insurers. 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.

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