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RAC Insurance

Protect the things that matter most with our insurance range

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Insurance

At RAC Insurance we offer a range of insurance products to help you protect the things you love. We work with a panel of approved insurers to find you the right cover and the right price.

NEW Pay by Mile, from RAC Car Insurance

A new type of car insurance for lower mileage drivers. Pay when you drive, save when you don’t.

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Car Insurance

Get cover for under £148* (that's what 10% of our customers paid)

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Arranged and administered by BISL Ltd.

Pay by Mile Insurance

A new kind of car insurance for lower mileage drivers.

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Arranged and administered by Wrisk Transfer Limited.

A house frame

Home Insurance

Get cover for under £83** (that's what 10% of our customers paid)

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Arranged and administered by BISL Ltd.

Motorbike Insurance

Free upgrade to our new Bike Insurance Plus for members***

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Sold and administered by Europa Group Ltd.

Travel Insurance

10% off RAC Travel Insurance for trips worldwide^

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Arranged and administered by Hood Travel Ltd.

Black Box Insurance

Puts you in control. The smart choice for young drivers.

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Arranged and administered by RAC Financial Services Ltd.

10% discount on up to 3 additional cars in your household^^

  

Pay-by-day car insurance from 1 hour-30 days

  

RAC's Legal Care Plus Protection for just £15 a year

  

Specialist insurance for your classic car with free agreed value cover at no extra cost.

  

RAC Learner Driver Insurance offers flexible, short term cover whilst you gain experience behind the wheel. Buy comprehensive cover online 24/7

  

Protect yourself from unexpected costs when hiring a car. Daily cover from the equivalent of £2.99††

  

RAC Test Drive Insurance offers cover from 1 hour to 30 days for drivers looking to test drive a vehicle. Buy cover online 24/7

  

Cover for your business, your employees and your customers

  

Had an accident? Call us first

  

Free advice and support through our 24/7 Legal Helpline

  

If you have any concerns or complaints concerning your RAC Insurance cover we'll be more than happy to assist

  

Annual van insurance cover to keep your van and business moving.

  

Find insurance cover for your electric or hybrid car at the right price with RAC

  

Contact us about your insurance policy


Check out our detailed and helpful car insurance guides here.

  

Check out our detailed and helpful home insurance guides here.

  

RAC Insurance

Our motor insurance includes annual car insurance and multi-car insurance; motorbike, classic car and commercial vehicle. There are policy types that allow greater flexibility including Temporary Car Insurance - cover from 1 hours to 30 days, Pay by Mile car insurance and pay how you drive – our Black Box Insurance and specialist cover for learner drivers. You can insure your home or business and if you’re heading off on holiday, our travel insurance with Covid-19 protection, means you can relax and enjoy your break. With our legal expenses’ insurance, you know you’re in safe hands.

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* 10% of all customers buying Car Insurance Plus with us from 1st July 2020 to 31st December 2020 paid less than £148. 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.

** 10% of all customers buying Home Insurance with us from 1st July 2020 to 31st December 2020 paid less than £86. Based on RAC Home Insurance, 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.

*** Policyholders must hold a standalone RAC Breakdown Cover policy at the time of purchase, to qualify for the free upgrade. RAC Bike Insurance must be bought direct from the RAC and this offer is not available on price comparison or cashback sites. This offer can be withdrawn or amended at any time.

^ You must have a standalone RAC Breakdown policy or RAC Car Insurance policy and provide your membership or policy number at the time of purchase to qualify for the 10% discount. RAC Travel Insurance must be purchased directly from us and this discount is not available on price comparison websites. The discount will not apply to premiums for pre-existing medical conditions or extended gadget cover.  The offer can be withdrawn or amended at any time.

^^ Multicar Terms & Conditions:

  1. The 10% multicar discount will be applied to the insurance premium of up to three additional cars added to an existing RAC Car Insurance policy, excluding additional products, add-ons, fees and charges. 
  2. The additional cars must be registered to the same address as the existing RAC Car Insurance policy. 
  3. The discount is only valid on quotes and purchases made by calling RAC Car Insurance direct on 0330 159 1468  and you must provide the existing RAC Car Insurance policy number that the additional cars are to be added to prior to getting a quote and making your purchase. 
  4. Quotes and purchases acquired through price comparison sites, cash back sites or the rac.co.uk website are excluded and the discount will not apply. 
  5. The discount will apply for every year that there are 2 or more cars registered under the same RAC Car Insurance policy and at the same address. The discount will not apply in the event there are less than 2 cars registered under the same RAC Car Insurance policy, such as if a car is removed or you choose not to renew.
  6. If you cancel your policy mid-term and there are no longer at least two cars on the existing RAC Car Insurance policy, we reserve the right to reclaim the value of the discount that was applied.
  7. This offer applies to RAC Standard Car and RAC Car Insurance Plus policies only.  
  8. No cash or other alternatives are available.
  9. The provision of insurance is subject to underwriting criteria. 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.
  10. This offer may be withdrawn at any time.

~~ Terms and conditions:

  1. This offer applies to new annual RAC Black Box Car Insurance policies and is not available to customers renewing or amending an existing policy.
  2. RAC breakdown cover is attached to the car insurance policy and will end if the car insurance policy is cancelled or not renewed. Unless opted out, your RAC breakdown cover will automatically renew alongside your car insurance policy and will become chargeable using the payment details supplied when taking out the insurance.
  3. The breakdown offer will consist of a 12-month single Vehicle Based UK Roadside Membership for the same car as insured through RAC Black Box Car Insurance.
  4. To take out this offer the customer must select the correct breakdown option, at a cost of £0.00, during the purchase journey.
  5. This offer is not available to existing RAC Members.
  6. The offer cannot be transferred to any other policy and there is no cash equivalent available.
  7. We reserve the right to amend or withdraw this offer at any time.
  8. RAC Breakdown is provided by RAC Motoring Services, registered No 01424399. Standard terms and conditions for the breakdown cover will apply and can be found here. 

^^^ £89 cover based on a car club member, aged over 30 with no claims or convictions in the last 5 years of driving a car, built pre 1977, valued less than £2,500 doing 1,000 miles per year and stored in a private locked garage.

††Based on UK resident buying a single trip policy to cover 10 days car rental in Europe.

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