RAC Car Insurance Plus

5 Star Defaqto Car Insurance 2017

RAC Car Insurance Plus is our highest level of cover. It combines comprehensive car insurance with a range of extra benefits to help protect motorists. 

Top quality, affordable cover

Car Insurance Plus has been awarded the highest 5 Star Rating from Defaqto, an independent researcher of financial products.

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What you get with RAC Car Insurance Plus

As well as our comprehensive car insurance, Car Insurance Plus gives you the following:

  • Our Uninsured Driver Promise – It's not great to think that you could pay for someone else's mistake. With Car Insurance Plus we will reimburse your excess and you won't lose your No Claims Discount if your car is hit by an uninsured driver.
  • Our Vandalism Promise – If your car is damaged through vandalism, any claim you make won't affect your No Claims Discount.
  • Transfer Home or Hotel Stay after an accident – We’ll get you home to anywhere in Great Britain if your car is unusable due to an accident. This excludes the Channel Islands and Isle of Man.
    If you need to stay, we’ll reimburse you for up to £200 for a Hotel you’ve booked and paid for.
  • Child Seat cover – Child seats can be expensive, but they need to be safe if you're transporting your little ones. Following an accident, we will contribute up to £100 per seat to help you buy replacements, even if the seats don't appear damaged.
  • Increased Medical Expenses – A higher level of benefit compared to our standard comprehensive cover.
  • Increased Personal Belongings cover – A higher level of benefit for your personal items.

Compare our types of insurance cover here

Why choose RAC?

  • Our RAC Car Insurance Plus has been awarded Defaqto's highest 5 star rating every year since 2014
  • We're a Consumer Intelligence award winner for Trust in 2017 & 2018, as voted for by drivers
  • 9 out of 10 customers would recommend RAC Car Insurance
  • We've developed our car insurance based on over a century's experience as the driving people.

Aged 18-24?

Safe drivers could save more with RAC Black Box Car Insurance, the smarter choice for new and young drivers. The safer you drive, the more discount you could get at renewal.

RAC European Breakdown Cover provides you with peace of mind and single-trip or annual cover you can rely on during your holidays.


Get 14 days’ European breakdown cover for £4.17 a day^


Drive to Europe on a regular basis? Then annual European cover will give you complete peace of mind all year round.


Based on a survey of new RAC Car Insurance customers between 1st July and 31st December 2022, 9,702 of 10,491 customers scored us 6 or more out of 10, therefore 92% (9 out of 10) are likely to recommend us to a friend or family member.

^Price for 14 days Standard cover, travelling in Zone 1. For a vehicle up to 1 year old.

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. Registered in England no. 3231094. Registered office: Fusion House, Katharine Way, Bretton, Peterborough, PE3 8BG. Both companies are authorised and regulated by the Financial Conduct Authority.

RAC Car Insurance is arranged and administered by BISL Limited. All other products are arranged and administrated by different partners. For full information about the product you are looking for, please select from the main menu at top of this page.

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