Get up to 65% off RAC Car Insurance

With 9+ years no claims discount

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Car Insurance

At the RAC we’re committed to finding our customers a great deal on their car insurance and with our 5 Star Rated Car Insurance Plus, you know you’re buying great quality cover from a name you can trust.

Get 10% discount2 when you insure additional cars in your household with RAC Multicar

With our Defaqto 5 Star Rated Car Insurance Plus you could pay less than £1721

RAC members pay £103 less on average for RAC Car Insurance than non-members3

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What type of car insurance is right for you?

Whether you want to insure your child’s first car or purchase temporary insurance cover for a weekend away, we have a range of policies to suit the whole family. Choose from our 5 Star Car Insurance Plus, Black Box Insurance, Multicar Insurance, Temporary Car Insurance or Classic Car Insurance.

5 Star Rated Car Insurance Plus

Cover for less than £1721 (that’s what 10% of our customers paid)

As the motoring experts, we search a panel of carefully selected insurers to give you our most competitive price. And with 120 years’ experience of serving customers, you know you’re in safe hands when you buy with the RAC.

  • Uninsured driver promise – so you won’t lose your no claims bonus if your car's vandalised or hit by an uninsured driver
  • 5 Star rated cover – RAC Car Insurance Plus has been awarded 5 stars by independent financial research company Defaqto
  • RAC member discount3 – meaning our members pay £103 less on average for RAC Car Insurance than non-members
  • Free Motor Legal Protection – benefit from free Motor Legal Protection cover of up to £100,000 for the first 12 months of the policy, if selected*

Compare the full list of benefits provided by our levels of cover.

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Black Box Car Insurance

RAC Black Box helps drivers save money by rewarding safe driving

Black Box Insurance, also known as telematics, is a cost effective way to drive down the cost of insurance for new and inexperienced drivers.  Black box technology rates drivers on the way they drive, rather than how their peers drive, giving drivers the opportunity to reduce their premium though safe driving.
  • No curfews - Drive where you want, when you want
  • No mileage limits - We don't impose mileage limits or charge per mile
  • No installation fees - We’ll fit the box at time and location convenient to you
  • Uninsured driver promise – so you won’t lose your no claims bonus if your car's vandalised or hit by an uninsured driver

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Multicar Insurance

Cover for the whole family with 10% RAC Multicar discount2

If you have two or more cars in your household you could save with multicar insurance. For every additional car in your household you insure with us, you’ll receive a 10% discount off the premium.
  • Separate no claims bonus for each car - so yours won’t be affected if another policyholder has a scrape
  • RAC member discount - If you are an existing RAC Breakdown member, you will also get an extra discount, just for being an RAC member4
  • Friends, family and housemates can benefit from discount - as long as you all live at the same registered address
  • 5 Star rated cover – RAC Car Insurance Plus has been awarded 5 stars by independent financial research company Defaqto


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Temporary Car Insurance

Immediate temporary cover for 1-28 days

Our comprehensive temporary car insurance, is a flexible and cost effective way of insuring yourself to drive another car, or insure someone to drive your car for a short period.
  • Immediate cover – comprehensive cover available to buy online, 24/7
  • Pay by the day – pay for the number of days you need, from 1-28 days
  • Flexible cover - drive another car or insure extra drivers on your car
  • Range of options – including cover for vans (up to 3.5 tonnes), European driving cover, test drive and breakdown cover options available

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Compare our Car Insurance

Compare our full list of benefits here.

RAC Comprehensive Car Insurance

Defaqto Five Star Rating

5 Star RAC Car Insurance Plus

Courtesy Car as standard (subject to availability and eligibility)



Motor Legal Protection cover included for the first 12 months, if selected*



Repairs guaranteed for 3 years at approved garages



Uninsured driver promise



Replacement locks



Vandalism cover



What our customers are saying

I find searching for insurance a bit daunting. However, I was really pleased with the service from RAC. They were very helpful and explained things really well.

Miss R, Harrogate

Best company for car insurance so far.

Mr A, Lancing

Should have changed to RAC years ago!

Mr P, Rutherglen

Excellent customer care. RAC went out of their way to make sure we had the right cover for us.

Mr R, South Queensferry

If only all companies were as capable and efficient as the RAC.

Mr S, Caerphilly

Service was very easy. Have already recommended RAC to family and friends and they have changed to you.

Mr S. Bodmin

Dealing with RAC insurance is a revelation compared to our last insurer. RAC gets top marks...

Mr W, Falmouth

RAC staff were very sympathetic and understanding when I had to make a claim.

Mrs K, Ilminster

You cannot improve on perfection...

Mrs P, Llantwit Fardre

I have had to deal with other insurance companies and none have been as quick and a pleasure to deal with. I will be very happy to stay with RAC.

Mrs R, Garnant

RAC explained everything to me in 'laymans terms' and took the time to talk to me and made the whole experience very pleasant.

Ms H, Pulborough

My impression was that the RAC site is more user-friendly and straightforward than many other sites I have visited.

Mr C, Saxmundham

More about Car Insurance

Motorists in the UK are required by law to have valid car insurance. Driving without motor insurance is illegal and could lead to a fine, penalty points or disqualification.
If you are involved in any kind of road accident, car insurance can protect you, your vehicle and other road users by providing financial compensation to cover the costs of any damage or injuries. The minimum legal requirement for car insurance is third party, which will provide cover if you cause damage or injury to another person, vehicle, animal or property in a road incident.

However, third party insurance does not cover the potentially high costs of repairing any damage to your own car, or cover you if your vehicle is stolen or damaged in a fire. Upgrading to comprehensive car insurance will provide you with the highest cover and protect against damage to your own vehicle, even if you are to blame for the accident.

Compare the benefits each level of cover offers


View all the optional extras available when you buy RAC Car Insurance


All the information you need to retrieve a quote, amend your policy or make a claim

We also offer

Protect your classic car with an insurance package that is tailored to meet the needs of you and your vehicle.


RAC Home Insurance provides protection for your property, both inside and out.


Our Travel insurance can cover you for single trips or annual multi-trips, each with 3 levels of cover available.

Car Insurance news and advice

Car insurance is a legal requirement for driving on UK roads. You can run an online check or visit your local police station to confirm that a car is insured.


Dash cams are cameras designed for continuous recording when you are driving to provide video evidence in case of an accident.


There are a number of ways to try to lower your car insurance premiums including nurturing your ‘no-claims,’ keeping your details up to date, and ensuring you have the right cover.


Failing to stop after an accident, whether or not someone is hurt or property is damaged, is a criminal offence.


‘Flash for cash’ is a recent car insurance fraud phenomenon where criminals flash their headlights to let other drivers out of a junction, then crash into them on purpose.


Car insurance is essential for driving a car on UK roads as it provides financial protection against vehicle damage as well as providing cover for injuries to drivers, passengers or pedestrians.


If you are hit by an uninsured driver, there are many things you should do including taking down their details and noting the extent of the damage.


Drivers who make no claims are eligible to annual discounts on their car insurance, and with RAC Car Insurance this can be up to 70%.


Similar to flash for cash, this scam involves fraudsters purposefully crashing into innocent motorists in a bid to make money from an exaggerated claim.


5 Star Car Insurance

RAC Comprehensive Car Insurance Plus has been awarded a 5 star rating by Defaqto.

1 10% of all customers buying Car Insurance Plus with us from 1st July 2016 to 31st December 2016 paid less than £172. Based on comprehensive Car Insurance Plus, purchased direct, excluding any additional products and upgrades, with payment on an annual basis. Your premium will depend on your circumstances and the level of cover you choose.

2 Terms & Conditions:

  1. The multicar discount will be applied to the insurance premium of up to three additional cars that are registered to the same address as the RAC Car Insurance policy number provided at time of quote. The first policy purchased with us or any existing policies will not be eligible for the discount. Any additional products, add-ons, fees and charges will not be discounted.
  2. The discount is only valid on quotes and purchases made by calling RAC Car Insurance direct on 0330 159 1049. The discount may be withdrawn at any time.
  3. Discount applies for every year that you have 2 or more cars registered to the same address with RAC Car Insurance.
  4. The discount will not be available if there have been 7 or more policies previously cancelled at the registered address.
  5. The discount is subject to the existing policy number being provided at the point of quote for any new policies.
  6. If you cancel your policy mid-term, amend it (for example by moving out of the registered address) or there are no longer at least two policies at the registered address, we reserve the right to reclaim the value of the discount applied to your policy premium.
  7. Quotes and purchases through price comparison sites, cash back sites or the website are excluded and the discount will not apply.  No cash or other alternatives available. 
  8. For full details of the policy terms and conditions, please refer to your policy documents. Your premium will depend on your circumstances and the level of cover you choose.

3 Based on sales from 1st July 2016 to 31st December 2016 of RAC comprehensive car insurance, purchased direct, excluding any additional products and upgrades. Your premium will depend on your circumstances and the level of cover you choose.

4 Discount does not apply to optional extras. Policyholder must hold a standalone RAC breakdown policy at the time of purchase, bought direct from the RAC. Minimum price applies.

* This offer applies to new RAC car insurance customers for the first year only, unless you are an RAC member then this offer is also available at renewal of your existing RAC car insurance policy. Motor Legal Protection is attached to the car insurance policy and will end if and when the car insurance policy ends. The offer cannot be transferred to any other policy and there is no cash equivalent available. We reserve the right to amend or withdraw this offer at any time. 

RAC Insurance is a trading name of RAC Financial Services Limited. Registered in England and Wales No. 5171817. Registered office: RAC House, Brockhurst Crescent, Walsall, WS5 4AW. RAC Car Insurance and RAC Home Insurance are arranged and administered by BISL Limited, which is an independent intermediary. Registered in England no. 3231094. Registered office: Pegasus House, Bakewell Road, Orton Southgate, Peterborough PE2 6YS. Both companies are authorised and regulated by the Financial Conduct Authority.

© 2017 RAC Motoring Services. All rights reserved.