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.
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 the RAC?
- Our RAC Car Insurance Plus has been awarded Defaqto's highest 5 Star Rating every year since 2015
- Our customers have voted us Moneyfacts Car Insurance Provider of the Year for the fourth year running
- Rated ‘Excellent’ on Trustpilot
- 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, with over 4,400 reviews (27/05/2025).
