Optional extras

Motor Legal Protection

Available at no extra cost for the first 12 months of your policy if selected, and for the lifetime of the policy for RAC members.

Who would pay the legal bill if another driver hit you? Motor legal Protection covers your legal fees if you need to pursue someone for losses and expenses following a non-fault accident.

 £100K of legal cover and help to find you a solicitor

 24/7 legal helpline for advice relating to a motoring issue

 Compensation for personal injury and medical expenses

Keycare cover

Cover for only £15.99 a year

Feel uneasy when you lose a set of keys? With our Keycare policy you will be covered for any lost or stolen keys attached to your key fob.

 Up to £1,000 of cover each year

 Cover includes any home, car, workplace or other property keys attached to your key fob

 Nationwide network of approved locksmiths

Excess Protection

Cover from only £24.99 a year

Claim back your policy excess for an accident when you are at fault, or if the accident involved an uninsured driver.

 Choose from up to £300 or £500 cover

 Covers multiple claims up to the value of cover

 Covers the policy-holider or any named drivers

Personal Accident Cover

Cover for only £4.99 a month (free for the first 3 months)

You’re protecting your vehicle, but what if you suffered a serious accident? Personal Accident Insurance is designed to provide you with financial help should you or your family suffer a serious injury during a road or travel accident.

 £100K in case of permanent total disability, or £100K lump sum in case of accidental death

 £50 per day if you are hospitalised as the result of an accident, up to a maximum of 270 days

RAC Breakdown Cover

Cover from only £27.99 a year

Don’t get caught out on a long journey. Protect your vehicle with 24/7 roadside rescue breakdown cover and your vehicle will be fixed at the roadside, as long as you're over ¼ mile away from home.

 Includes a 10 mile tow to a destination of your choice, local garage or a place of safety if your car cannot be fixed at the roadside.

 RAC patrols fix 4 out of 5 vehicles at the roadside


You can add an optional extra to your policy using our online self service centre or by calling 0330 159 1031.

RAC Car insurance

Get up to 65% off RAC Car Insurance with 9+ years no claims discount