10% multicar discount

on up to 3 additional cars in your household*

Multicar Insurance

More than one car at home? With RAC multicar, households that insure more than one car with us can benefit from a 10% multicar discount*. Anyone who lives in the same house as you is eligible, whether they’re your spouse, son, daughter or housemate and the discount can be applied to up to three additional cars.

Get 10% discount when you insure additional cars in your household*

Defaqto 5 Star Rated Car Insurance Plus

Separate no claims discount for each car

Why choose RAC Multicar Insurance?

Cover for the whole family with 10% RAC Multicar discount*

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 member1
  • Friends, family and housemates can benefit from discount - as long as you all live at the same registered address
  • Keep your renewal date - Every car you insure can keep its own renewal date
  • 5 Star rated cover – RAC Car Insurance Plus has been awarded 5 stars by independent financial research company Defaqto

How to get a multicar discount

Our Multicar discount is available to new and existing customers wanting to insure up to three additional cars with the RAC. To take advantage of the 10% Multicar discount*, please call 0330 159 1468 and provide us with the policy number of the policy already in place at the address.

Compare our Car Insurance

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^



Repairs guaranteed for 3 years at approved garages



Uninsured driver promise



Replacement locks



Vandalism cover



What our members 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

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

Our comprehensive Car Insurance Plus is packed with features and benefits and has a Defaqto 5 Star Rating.


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.


5 Star Car Insurance

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

1 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.

* 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 14681. 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 rac.co.uk/car-insurance 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.

^ 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.