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 car insurance policies are underwritten by a panel of Acromas Insurance Company Limited, Ageas, Aviva, AXA, AXA Northern Ireland, Co-op Insurance, Covea, LV=, Sabre and Zenith Insurance Plc.
We've focused on RAC's '5 Star car insurance plus' policy. However, you can also find details on RAC's 'Comprehensive car insurance' policy below.
- Read our reviews of all the insurers who took part in our car insurance analysis
What does RAC Plus car insurance cover?
The information below gives an at-a-glance view of the key areas that RAC's Plus car insurance policy covers as standard.
Elements marked with a ✓ are covered as standard, those marked with a ✘ are not covered as standard. Elements marked with a £ can be added to a policy for an additional cost.
✓ Courtesy car
Provides the policyholder with a car to use while repairs are carried out on their vehicle as part of a claim
✓ Personal accident
Covers the policyholder and passengers if they are injured in an accident
✓ Stolen keys cover
Covers the cost of replacing keys and locks in the event that your car keys are stolen
£ Lost keys cover
Covers the cost of replacing keys and locks in the event that your car keys are lost
£ NCD protection
Allows the policyholder to make a specified number of claims over a period without affecting their no claims discount
£ Motor legal protection
Covers legal expenses for legal action you may take as the result of an accident
Does RAC offer the best car insurance?
Here's how RAC scored in our latest car insurance survey:
The policy score is for the RAC Plus car insurance policy.
To help you find the best car insurance policy, Which? goes the extra mile to sort the best from the worst.
How we analyse car insurance
We analyse and rate 73 key 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.
RAC's Plus car insurance policy: is it good or bad?
We've rated hundreds of policy details and picked out the best and worst elements of this cover.
In detail: every part of the RAC Plus car insurance policy rated
Table last updated in February 2021. Next update in January 2022.
To see how RAC's car insurance compares to other policies check out our guide on the best and worst car insurance.
How did customers rate RAC's car insurance?
As well as looking at how RAC's car insurance policy stacks up against others, we've also analysed how customers who have recently made a claim feel about it too.
Members can log in to see our range of customer service star ratings and read about individual customers' experiences. If you're not already a member, join Which? and get full access to these results and all our reviews.
How RAC's car insurance scored for seven elements of customer satisfaction.
Table last updated in February 2021. Next update in January 2022. "-" represents where we have insufficient sample size (less than 30) to generate a star rating
How can you save money on RAC car insurance?
RAC's 5 star Plus car insurance policy is not available on price comparison websites.
However, the RAC Comprehensive policy is available on the following websites:
- Compare the market
✓ Multi car discount
Offers a multicar policy on the website.
✘ Dashcam discount
A discount to the premium for having a dashcam installed in your car
✘ Membership discount
A discount to the premium for being a member of an organisation
✘ Joint car and home insurance discount
A discount to the premium for purchasing car and home insurance policies from the same provider
Above information correct as of December 2020
What is the RAC's car insurance claims number?
If you need to make a claim with RAC car insurance call 0330 159 1062.
For glass-related claims call 0330 159 1051.
- Find out more: is it worth claiming on your car insurance?
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