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Car Insurance

Car Insurance

Exclusive Member Discount - RAC Members pay £74 less on average for RAC Car Insurance than non-members1

At the RAC we’re committed to finding our customers a great deal. 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. With our Defaqto 5 Star Rated Car Insurance Plus, you could pay less than £189^ (that’s what 33% of our customers paid).

Get a 10% discount when you insure additional cars in your household with RAC Multicar*.

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  RAC Comprehensive Car Insurance 5 Star RAC Car Insurance Plus
Courtesy car as standard (subject to availability and eligibility)
Motor legal protection cover included for the first 12 months3
Approved claims repairs guaranteed for 5 years
60 days cover in the European Union (same level of cover you have in the UK)
Transport home after an accident Anywhere in Great Britain
Uninsured driver promise
Replacement locks
Vandalism cover
Personal Accident 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 for each section of cover (for the total incident we will pay up to £10,000 in total).

Terms conditions and exclusions apply please see policy documents for more details.

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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 £5,0002, six to eight penalty points and potentially disqualification from driving.

If you are involved in any kind of road accident, insurance can protect 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 provide cover 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 insurance or comprehensive insurance are options.

Upgrading to comprehensive 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 £100,0003, 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.


1 Based on sales from 1st May 2015 to 31st October 2015 of RAC comprehensive car insurance, purchased direct, excluding any additional products and upgrades. Your premium will depend on your circumstances and the level of cover you choose.

^ 33% of all customers buying Car Insurance Plus with us from 1st May 2015 to 31st October 2015 paid less than £189. 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.

* Terms and Conditions:

  1. The multicar discount will be applied to the insurance premium of up to three additional cars that are registered to the same address as the RAC Car Insurance policy number provided at time of quote. The first policy purchased with us or any existing policies will not be eligible for the discount. Any additional products, add-ons, fees and charges will not be discounted.
  2. The discount is only valid on quotes and purchases made by calling RAC Car Insurance direct on 0330 159 10494. The discount may be withdrawn at any time.
  3. Discount applies for every year that you have 2 or more cars registered to the same address with RAC Car Insurance.
  4. The discount will not be available if there have been 7 or more policies previously cancelled at the registered address.
  5. The discount is subject to the existing policy number being provided at the point of quote for any new policies.
  6. If you cancel your policy mid-term, amend it (for example by moving out of the registered address) or there are no longer at least two policies at the registered address, we reserve the right to reclaim the value of the discount applied to your policy premium.
  7. Quotes and purchases through price comparison sites, cash back sites or the website are excluded and the discount will not apply. No cash or other alternatives available.
  8. For full details of the policy terms and conditions, please refer to your policy documents. Your premium will depend on your circumstances and the level of cover you choose.

Excludes Isle of Man and the Channel Islands.

2 As detailed on

3 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.

4 03 numbers are charged at national call rates and are usually included in inclusive minute plans from landlines and mobiles. Calls may be recorded and/or monitored.

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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