RAC Car Insurance Plus

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. Available as full-service cover, or for those happy to self-serve, as an online only product.

Top quality, affordable cover

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

5 Star Rated Defaqto RAC Car Insurance Plus

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RAC Car Insurance Plus

Call centre and online

Suits drivers who like the flexibility of having 24/7 online access to view and manage their policy online, as well as call centre support when it’s needed.

A person holding a phone on the myRAC app

RAC Online Car Insurance Plus

Online only

Ideal if you’re happy to self-serve online and enjoy lower admin fees. You can call us to make a claim 24/7, but for general enquiries, we don’t provide telephone support.

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.

Why choose us?

Moneyfacts logo

Our customers voted us Moneyfacts Car Insurance Provider of the Year for
4 years running

5 Star Rated Defaqto RAC Car Insurance Plus

Our RAC Car Insurance Plus has been awarded Defaqto's highest 5 Star rating every year since 2014

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We've developed our car insurance based on over a century's experience as the driving people

Rated ‘Excellent’ on Trustpilot

We care what our customers have to say about us. We’re rated excellent on Trustpilot.

Need specialist insurance? At the RAC, we provide car insurance tailored to your needs – from learner drivers to temporary cover – so you can drive with confidence and peace of mind.

RAC Online Car Insurance

Learner driver insurance

Motorbike insurance

Test drive insurance

Young driver insurance

Electric car insurance

Temporary car insurance

Black box insurance

Car hire excess insurance

Car insurance guides

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Modified car insurance guide

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