What's Covered With Black Box Insurance?

Comprehensive cover Third party, fire and theft cover
RAC Breakdown cover included FREE for the first 12 months (if selected) ^    
Motor Legal Protection cover included for the first 12 months (if selected)*    
RAC Member Discount    
60 days cover in the European Union (same level of cover you have in the UK)    
Cover for Accessories    
Emergency Treatment    
Courtesy car as standard (subject to availability and eligibility)    
Repairs guaranteed (for 3 years at approved garages)    
Replacement locks    
Sound and Sat-nav equipment £1000
Or Unlimited if manufacturer-fitted
£500
Or Unlimited if manufacturer-fitted
Window Glass Cover    
New car benefit    
Personal accident benefit £10,000  
Medical Expenses Up to £250  
Personal belongings Up to £250  
Uninsured driver promise    
Replacement locks    
Vandalism promise    
Transport home after an accident Anywhere in Great Britain~  
Child seat cover    

Get a quote  


Extend your cover with our range of optional extras – including Guaranteed Replacement car, Keycare and Breakdown Cover.

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^ 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. This offer applies to policies purchased before 03/02/2022.
  3. 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.
  4. 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. 
  5. To take out this offer the customer must select the correct breakdown option, at a cost of £0.00, during the purchase journey.
  6. This offer is not available to existing RAC Members.
  7. The offer cannot be transferred to any other policy and there is no cash equivalent available.
  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. 

* 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. This offer applies to policies purchased before 03/02/2022.

~ Excludes Isle of Man and the Channel Islands.

RAC Black Box Car Insurance is arranged and administered by RAC Financial Services Limited which is an independent intermediary. Registered in England and Wales (Registered No. 5171817). Registered office: RAC House, Brockhurst Crescent, Walsall, WS5 4AW. RAC Financial Services Limited is authorised and regulated by the Financial Conduct Authority (FCA Reference No 313989). You can check the register at fca.org.uk/register.

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.

© 2022 RAC Motoring Services. All rights reserved.