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What's covered

Included as standard

Comprehensive Car Insurance Plus

Standard Comprehensive Car Insurance

Third-party, Fire and Theft Car Insurance

60 days EU cover (at the same level as in the UK)

Key features

Comprehensive Car Insurance Plus

Standard Comprehensive Car Insurance

Third-party, Fire and Theft Car Insurance

Uninsured driver promise

Vandalism promise

Courtesy car as standard
(subject to availability and eligibility)

Repairs guaranteed
(for 3 years at approved garages)

Personal accident benefit

£10,000
£5,000

Medical expenses

Up to £250
Up to £100

Personal belongings

Up to £250
Up to £150

Transfer Home or Hotel Stay after an accident1

Child Seat Cover

Window Glass Cover

Emergency Treatment

Replacement Locks

Cover for Accessories

Sound and Sat-nav equipment

£1000 Or Unlimited if manufacturer-fitted
£500 Or Unlimited if manufacturer-fitted
£500 Or Unlimited if manufacturer-fitted

New Car Benefit

Extend your cover with our range of optional extras – including Guaranteed Replacement Car, Keycare and Breakdown Cover.

If you need to insure your vehicle for a short period of time, the RAC’s temporary car insurance option is perfect for you. Get cover for your car from one hour to 30 days.

Frequently Asked Questions

If you have a free courtesy car as part of your insurance, then your insurer will pay the cost (if the accident wasn’t your fault, they may try to recover this money from the other driver’s insurer). If you’re not covered for a courtesy car and you’re in an accident that wasn’t your fault, you might still be able to claim one from the other driver’s insurer.

Not all car insurance covers personal injury – you should check your policy. If you’re injured in an accident that wasn’t your fault, you should be able to claim on the other driver’s insurance.

RAC Comprehensive and Comprehensive Plus Car Insurance covers you for personal injury, but Third Party, Fire and Theft insurance doesn’t.

Third party insurance only covers you for damage and injury caused to someone you’re in a collision with. So if you’re in an accident, you should claim from the other driver’s insurance.

Personal injury cover and personal accident cover are two terms for the same thing – an addon that covers you for the consequences of getting hurt in an accident. For example, compensation if you can’t work after an injury. You’ll get the money whether the accident is your fault or not.