Policy Information

Yes. You will, however, have to take out separate policies for each car.

Can I drive other people's cars under my own insurance?

Depending on your age and the level of policy cover chosen, you may be entitled to drive other people's cars. If you’re eligible, then the level of cover provided is third party only irrespective of the cover you have chosen under your policy. Your certificate of motor insurance will confirm if you have this cover.

If you want to ensure you’re fully covered, you could consider a temporary car insurance policy. It covers you to borrow someone else’s car for a short period of time – from 1 hour up to 30 days. It’s comprehensive, and the car owner’s No Claims Discount won’t be affected if you need to claim.


Why doesn't RAC underwrite my policy?

RAC searches a panel of insurers to find cover that suits your requirements at our most competitive price available from this panel.

Do I need business use to drive to work?

No. Going to and from a fixed place of work is counted as commuting which would be covered under the Social, Domestic and Commuting option. If you use your vehicle to travel to different places of work, such as visiting different offices or where your vehicle is specific to the work you do such as making deliveries and you also use this same vehicle for social and domestic use, you would need a business cover policy.

What is a protected no-claims discount?

Besides the vehicle itself, a no-claims discount is probably the biggest influence on the cost of your insurance. The more years you have held insurance without claiming the higher the discount we will apply to your premium. Once you have been insured for four or more years without claiming, for an extra premium you can protect this discount. This means that provided you have no more than 2 fault claims in any 3 year period, your entitlement to a no claims discount will be unchanged and your no-claims discount will not be reduced. If you make 2 fault claims in any 3 year period your no-claims discount protection will end. The third and any subsequent claims will reduce your no-claims discount.

Can I get instant cover with RAC Car Insurance?

Yes. As soon as you've successfully applied and purchased online, if you select the same day for your cover to start, you will be covered immediately.

Will I be insured if I drive abroad?

Your policy automatically gives you 60 days cover in the European Union at the same level of cover that you have in the UK.

If I have a maximum no-claims discount and I buy a second car can I add my no-claims bonus to both cars?

No. Your no-claims discount can only be applied on one vehicle/policy.

What is an excess?

An excess is the amount of money we will ask you to pay if you make a claim. If you increase your excess amount, this can reduce the premium you pay.

If you make a claim which is deemed to be ‘non-fault’ by your insurer, you may be able to reclaim the excess you paid, providing your insurer is able to recoup the cost of the claim from the third party.

Would a learner driver be covered under this policy?

Learner driver insurance is a specific type of short-term insurance policy that offers cost-effective cover for learners. It can be taken out from one day up to 5 months, so you only pay for what you need. As a separate policy, if the learner has an accident, it won’t impact the vehicle owner’s no-claims discount.