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RAC car insurance review

Read Which?'s expert review of RAC car insurance. Find out how we rate RAC's car insurance policy against 30 other providers.

In this article
RAC car insurance overview RAC's car insurance policy: is it good or bad?

RAC car insurance overview

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

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