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 underwrite its car insurance policies. Instead 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 58 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 July 2018. Next updated in January 2019.
| 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) | | |
