RAC Contents Insurance

Extensive cover for household items

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Contents Insurance

No one likes the thought of their property being damaged or stolen. Contents insurance offers you financial security should something unforeseen happen to your possessions.

RAC contents insurance gives you the reassurance that your personal belongings are financially covered in the event of incidents that are not your fault, including fire, flood, storm, theft or escape of water from burst pipes.

At RAC we offer buildings and contents insurance which can be bought separately, or as a joint policy.

Rely on us to deal with your claim quickly and fairly

10% of customers paid less than £86* for RAC Home Insurance

Cover for contents that have temporary left the home while attending full time education

Why choose RAC home contents insurance?

Single item cover - up to a maximum of £1,500 in the event of a claim for one item 
Up to £20,000 for alternative accommodation for you and your family if your home is uninhabitable following a claim**
  1. Up to £5,000 cover for contents that are temporarily removed when a member of your household attends university or college
New for old cover – if you make a valid claim for a lost, stolen or damaged item as covered by your policy, we’ll pay the cost of replacing the item with its new equivalent Up to £1,000 per claim on outside contents including garden furniture and BBQs that are stolen or damaged You can add specific items to your policy if you want the added reassurance that these are covered

What’s included in RAC standard contents insurance?

Contents insurance covers your possessions inside your property. Our standard RAC home contents insurance includes:

  • Damage to items in your property such as curtains, furniture, clothing, televisions, fridges, freezers and washing machines, etc.
  • Damage to jewellery and other expensive items, up to the limit shown on your schedule of insurance.
  • New for old cover – we’ll replace the item if it cannot be repaired with an equivalent item of similar value.

Optional extras

Sometimes you need that little bit extra. With our RAC home contents insurance you have the option to add extra protection for just a few pounds more a month.

Home Assistance Cover

Cover for only £41.99 a year


This helpful assistance cover provides you with a 24-hour call out service. It gives you peace of mind, knowing that a tradesperson will be able to carry out temporary repairs in an emergency. This insurance includes:

  • 24-hour call-out assistance 
  • Emergency cover for plumbing, electrics, pest control, gas supply, exterior drains, boiler, heating and security
  • Emergency alternative accommodation if your home is not safe to live in (limitations apply)
  • Up to £1,000 per policy period to cover call out charges, work and parts (limitations apply) 
  • No limits on the number of emergency call outs 

Family Legal Protection

Cover for only £21.99 a year

Our Family Legal Protection is there to help you through difficult and stressful legal situations. This legal protection includes:
  • Up to £50,000  legal expenses for personal injury, employment, residential or consumer disputes
  • Round the clock confidential legal helpline, 365 days a year

Keycare Cover

Cover for only £19.99 a year

If your keys are lost or stolen our Keycare Cover can help by funding replacement locks. This cover includes:

  • National Network of approved locksmiths  and up to £1,000 of cover each policy period 
  • Emergency helpline open 24hrs a day
  • All keys covered 
To help us return lost keys, each policy holder will receive a key fob.

Get an online quote for Home Contents and Buildings Insurance, or call us on 0330 159 0981

What about Buildings Insurance?

There are different types of home insurance that we can provide. RAC Buildings Insurance, RAC Contents Insurance and buildings and contents combined insurance. 

Buildings insurance financially covers you for the repair of the structural damage to your property, including the walls, roof, floors, doors and windows. It also includes outbuilding, sheds and greenhouses, as well as permanent fixtures such as bathroom suites, sinks and fitted kitchens. 

Find out more about buildings insurance here

For all the information you need to make a claim, amend your policy and retrieve a quote.


If your contents are stolen, damaged or lost, don’t panic, our expert team are happy to help.


Take a look at our extensive glossary of terms that’ll help you understand your RAC Home Insurance Policy.


Frequently Asked Question

Q. What do I need to provide to get a home contents insurance quote?

You’ll need to share some basic personal details and details about the property you wish to insure. As well as the address and postcode, you’ll need to provide information on the size and age of the property, as well as the level of security and the total value of contents you wish to cover.

Q. How long does it take to get a quote?

It’s quick and easy to get a contents insurance quote, whether that’s online or on the phone. Just provide us with enough details and we will send you a quote for your policy within minutes. This can be done online, or if you prefer to call, our phone number is 0330 159 0981.

Q. Does my RAC contents policy cover accidental damage?
Our standard policy covers accidental damage of up to £1,000 to the following: satellite equipment, televisions and aerials, digital receivers, radios, computers and ancillary equipment, other audio and video equipment.

It does not provide cover for accidental damage, for example: by pets or DIY accidents. Further details of cover and exclusions can be found in your Policy Wording.
Q. How much contents cover do I need?

It’s important that you don’t underestimate the value of your contents as you could lose out on a lot of money. For example, if you only insure half your possessions but you experience a flood or fire, your insurer may only pay out for half the value of the claim.

Try to be as accurate as you can when valuing your home contents. Be sure to weigh up the cost of your clothing, artwork, jewellery, electrical equipment, big kitchen items and furniture. Make a note of any high risk, desirable items and if you’re unsure of what to include, call our insurance team on 0330 159 0981.

Q. What isn’t covered by contents insurance?

There are significant exclusions to a standard contents cover, including:

  • Loss or damage by livestock or pets
  • Loss or damage that occurs during any period where the home is unoccupied for longer than the permitted period
  • Loss or damage caused by water overflowing as a result of taps being left on, unless you have accidental cover
  • Damage caused by yourself, domestic pets, your domestic employees, lodgers, paying guests or tenants
  • Damage to trees or branches or the surrounding area due to branches being cut-back
Further details of cover and exclusions can be found in your Policy Wording.
Q. Do I need contents insurance in a rented property?

If you’re in a rented property, your personal belongings are your responsibility, so you may want to financially protect yourself with a sufficient amount of insurance in place. The building and permanent fixtures inside the building are your landlord’s responsibility. This means you won’t need to get individual building insurance unless your rental agreement stipulates that it is required.  

Q. Is there a No Claims discount?

Like most of our insurance policies, we may offer a discount to policyholders who haven’t made a claim on their insurance. However, please be aware that it’s not a certainty that you’ll receive a discount when your policy is up for renewal.