RAC car insurance review

The breakdown cover specialist not only offers comprehensive car insurance, it also has a black box insurance policy, which calculates your premium based on your actual driving behaviour. 

RAC doesn't actually underwrite its car insurance policies. It searches a panel of insurers to find cover that best suits your requirements. 

What you need to know about RAC's car insurance policy:

• Unlimited cover on windscreens, windows and sunroofs
• Interest on monthly premiums is 29.99%
• No claims discount protection that will allow two claims in three years

RAC's car insurance policy: is it good or bad?

We analyse and rate the 53 most important elements of standard car insurance policies to come up with the overall policy score. We assess how important each individual element is to drivers when choosing and using a car insurance policy, and weight it accordingly when calculating our total policy score. 

Initially, we score all of the product elements out of five, reflecting how competitive each provider is in this area compared with other insurers. Weightings are then applied to the higher and lower element scores to enhance/reduce their impact in the overall product score.

The results were last updated in January 2018. Next updated in July 2018

Most important policy elementsSecondary policy elementsOther policy elements

Most important policy elements
Policy element	Details	Rating
Interest charged on payment by instalments (APR)
No fault no claims discount (NCD) benefit?
Uninsured driver NCD benefit?
Renewal fee
NCD protection claims (number per year)
Theft of keys limit
Fire excess (standard compulsory)
Theft excess (standard compulsory)
Accidental damage excess (standard compulsory)

Secondary policy elements
Policy element	Details	Rating
Personal belongings limit
Medical expenses limit
Liability limit for property damage (including legal expenses)
Keys in car exclusion
Adjustment fee
Duplicate documents fee
Cancellation fee within cooling off period
Cancellation fee after cooling off period
Windscreen limit
Windows limit
Sunroof limit
Loss of keys limit
Uninsured driver excess liability
Courtesy car
Courtesy car - guaranteed availability
Courtesy car limit
Windscreen replacement excess (standard compulsory)
Driver under 21 excess (standard compulsory)
Driver 21-24 excess (standard compulsory)

Other policy elements
Policy element	Details	Rating
Notice if insurer cancels
Audio limit - manufacturer
Sat Nav limit - manufacturer
Child car seat cover
New car replacement - damage
New car replacement - period
Total loss courtesy car
Total loss courtesy car period
Windscreen repair excess (standard compulsory)
24 hour emergency helpline
24 hour windscreen helpline
24 hour legal advice helpline
Credit card fee
Misfuelling cover
Driving other cars extension
Driving other cars - emergency cover only?
Driving other cars - only covers main policyholder?
Driving other cars - cover in Europe?
Windscreen damage - claim affect NCD?
Windows damage - claim affect NCD?
Sunroof damage - claim affect NCD?
Driving abroad - courtesy car cover?
Driving abroad - Days per trip comprehensive cover available
Driving abroad - Days per year comprehensive cover available
Contact Number