What's covered

RAC Day Insurance protects your car with pay as you go Comprehensive cover for any 24 hour period from 1 to 28 days as detailed in your policy schedule.

Cover Comprehensive
Legal liability for death or injury to any other person  
Legal liability for damage to other people's property  
Loss or damage by fire, theft or vandalism  
Damage to the insured vehicle in the event of an accident  
New Car Replacement  
Accident recovery and approved repair service  

The following optional cover is also available:

If you have selected this option, it will be itemised on your schedule and the cover details will be clarified in your policy booklet.

Significant and unusual exclusions or limitations

Your policy excludes some situations. Please refer to your policy document for full details but the most significant or unusual exclusions are outlined below. Your policy excludes or limits the following:

  • The first part of any claim - this is known as the "excess" (see Section 1). Our excess levels vary - please see your insurance schedule for details.
  • The excess applies to claims for windscreen replacement or repair (see Section 1)
  • Loss or damage arising from theft while the ignition keys of your car have been left in or on your car (see Section 1)
  • Loss of use, reduction in value, wear and tear, or mechanical, electrical or computer breakdowns, failures or breakages (see Section 1)
  • Loss of value following a repair (see Section 1)
  • Confiscation or requisition or destruction by or under order of any government or public or local authority (see Section 1)
  • Damage to tyres by braking or by punctures, cuts or bursts (see Section 1)
  • Loss or damage directly caused by pressure waves caused by aircraft or other flying devices travelling at, or above, the speed of sound (see Section 1)


Inappropriate use (see General exceptions)

We will not pay for any accident, injury, loss or damage that occurs while your car is being used for a purpose not shown under the "Description of use" section of your certificate of insurance or while it is being driven by any person not described in your certificate of insurance as entitled to drive.


Other insurance (see General Conditions)

The policy excludes liability if any incident leading to a claim is covered under any other insurance policy.

For full details of our cover, download the full policy wording:

Important Policy Information

Policy document - UK Day Insurance (PDF - 87kb)


Policy document - European Day Insurance (PDF - 90kb)



The customer and any other person who will drive must:

  • Be aged 19 to 75 (restrictions apply to certain vehicle models).
  • Hold a current, valid, full UK, EU, EEA, Australian, New Zealand, South African or Swiss driving licence and have done so for at least 12 months. Any other international licence types are not acceptable.
  • Have no more than 8 penalty points in the last 3 years, and have no prosecution or police enquiry pending.
  • Have had no motoring offence involving alcohol or drugs, careless, dangerous or reckless driving or taking a vehicle without consent in the last 3 years. This includes all convictions with the Conviction Offence Code prefixes DR, CD, DD, IN or UT.
  • Not have had more than 2 fault claims in any three year period.
  • Not have been disqualified from driving in the past 3 years.
  • Only use the car for social, domestic and pleasure purposes or business use by the policyholder excluding the carriage of passengers or goods for hire or reward.
  • Have not been convicted within the last 5 years of any offence relating to fraud, robbery, theft or handling stolen goods including any pending prosecution or police enquiry.
  • Not be using this insurance for the purpose of removing an impounded vehicle from a compound.

Vehicle Criteria:

To qualify for short term insurance, the vehicle must:

  • be registered in Great Britain, Northern Ireland or the Isle of Man.
  • have a current market value of less than £60,000.
  • have no more than 8 seats (including the driver's).
  • not have been imported.
  • not be used for the carriage of goods or passengers for hire or reward.
  • not be used to carry hazardous goods (other than the carriage of less than 10kg of bottled gas, or 10 litres of flammable solvents in one container).
  • not be used or driven at any hazardous location.

Modifications to Vehicles

  • Vehicles fitted with manufacturer specified optional extras, fitted at the time of manufacture, are acceptable.
  • Vehicles modified to cater for a disabled driver or passenger are acceptable.
  • Vehicles that have undergone any post manufacturer 'after market fit' modification (cosmetic or performance related) are NOT ACCEPTABLE.

RAC Financial Services Limited act as an introducer to Dayinsure.com Ltd for RAC Day Insurance. RAC Financial Services Limited is registered in England No. 5171817. Registered Office: RAC House, Brockhurst Crescent, Walsall WS5 4AW. RAC Day Car Insurance is arranged and administered by Dayinsure.com Ltd, which is registered in England no. 4996289, registered office: Mara House, Tarporley Business Centre, Nantwich Road, Tarporley, Cheshire CW6 9UY. Both companies are authorised and regulated by the Financial Conduct Authority. RAC Day Insurance is underwritten by Aviva Insurance Limited. Registered in Scotland, No 2116. Registered Office: Pitheavlis, Perth PH2 0NH. Aviva Insurance Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

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