What's Covered With Black Box Insurance?

Comprehensive cover Third party, fire and theft cover
Free RAC Breakdown cover for the life of your policy (if selected)^    
Free Motor Legal Protection cover for the life of your policy (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.

^Free RAC Breakdown terms and conditions

The breakdown offer will consist of a single Vehicle Based UK Roadside Membership for the vehicle insured through RAC Black Box Car Insurance.
RAC breakdown cover is attached to the black box car insurance policy and will end when the black box car insurance policy ends.
To take out this offer the customer must select the correct breakdown option, at a cost of £0.00, during the purchase or renewal journey.
This offer is not available to existing RAC Members.
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 Breakdown is provided by RAC Motoring Services, registered No 01424399. Standard terms and conditions for the breakdown cover will apply.

*Free Motor Legal Protection terms and conditions
Free Motor Legal Protection cover is attached to the RAC Black Box Car Insurance policy and will end when the car insurance policy ends. To take out this offer, the customer must select the free cover level during the purchase or renewal journey. 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. Motor Legal Protection is arranged and administered by RAC Insurance Limited, registered No 02355834.


~ Excludes Isle of Man and the Channel Islands.

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. <

© 2022 RAC Motoring Services. All rights reserved.