We use cookies to allow us and selected partners to improve your experience and our advertising. By continuing to browse you consent to our use of cookies. You can understand more and change your cookies preferences here.

RAC car insurance review

Read our expert review of RAC car insurance and find out how we rate its policy against 33 other providers.

In this article
What does RAC Comprehensive car insurance cover? Does RAC offer the best car insurance? RAC's 5 Star Plus car insurance policy: is it good or bad?
How can you save money on RAC car insurance? What is the RAC's car insurance claims number?

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.

What does RAC Comprehensive car insurance cover?

The information below gives an at-a-glance view of the key areas that RAC's 5 Star 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

 

£ No-claims discount 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:

Car Insurance
RAC review
Overall Which? score
%
Our total score score combines ratings from real customers of the provider, and our expert analysis of the provider's policies. The total score is made up of 50% of the Customer Score and 50% of the car insurance policy score.
Which? customer score
%
Which?'s rating for customer satisfaction, based on feedback from real customers who recently made a claim. The score is made up of a customer's overall satisfaction with the brand, and how likely they are to recommend that brand.
Policy score
%
Which?'s rating of the quality of this company's car insurance policy. We analysed 73 features of its cover to calculate the policy score.
Members can read full review. Not a member yet?
Full access £2.99 for first month then £9.99 per month cancel anytime
Become a member to see more scores
  • Unlock more money saving tips.
  • Get access to new money reviews
  • See the best mortgages available to you
£3.99 for first month then £7.99 per month cancel anytime

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 5 Star 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.

Members can log in to read our full policy analysis. If you're not already a member, join Which? and get full access to these results and all our reviews.

In detail: every part of the RAC Plus car insurance policy rated

Weighting Policy element Details Rating
Most important Courtesy car - included? Logged out detail Logged out padlock
Most important Courtesy car - guaranteed availability? Logged out detail Logged out padlock
Secondary Courtesy car period Logged out detail Logged out padlock
Other Courtesy car provided if car is stolen? Logged out detail Logged out padlock
Most important Windscreen damage - limit per claim (Approved Repairer / Non-approved repairer) Logged out detail Logged out padlock
Most important Window damage - limit per claim (Approved Repairer / Non-approved repairer) Logged out detail Logged out padlock
Secondary Sunroof damage - limit per claim (Approved Repairer / Non-approved repairer) Logged out detail Logged out padlock
Secondary Personal belongings - limit per claim Logged out detail Logged out padlock
Other Medical expenses - limit per claim Logged out detail Logged out padlock
Other Physio treatment included under medical expenses? Logged out detail Logged out padlock
Other Prescription costs included under medical expenses? Logged out detail Logged out padlock
Other Dental treatment included under medical expenses? Logged out detail Logged out padlock
Other Audio equipment - Limit per claim (Manufacturer fitted / Non-manufacturer fitted) Logged out detail Logged out padlock
Other Sat Nav - Limit per claim (Manufacturer fitted / Non-manufacturer fitted) Logged out detail Logged out padlock
Other Child car seat - Limit per claim Logged out detail Logged out padlock
Secondary Misfuelling cover - included? Logged out detail Logged out padlock
Secondary Misfuelling cover - what's covered? Logged out detail Logged out padlock
Secondary Misfuelling cover - limit per claim Logged out detail Logged out padlock

Table last updated in February 2022. Next update in February 2023.

To see how RAC's car insurance compares to other policies check out our guide on the best and worst car insurance.

How can you save money on RAC car insurance?

The first offer an insurer makes isn’t necessarily the best they’re able to provide - especially if you’re renewing. So, before coughing up your cash, check what other insurers are offering for comparable cover and ask if your current insurer can better it.

Carefully consider what’s optionally included in the quote. You may want the confidence of an all-singing, all dancing policy - but certain add-ons might not be for you, or could duplicate cover you already have separately.

Where you buy your cover can sometimes make a difference to what you’ll end up paying, which is why we recommend checking prices through multiple comparison sites (where available) as well as trying them directly to find a cheap car insurance quote

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
  • GoCompare
  • Confused.com
  • MoneySuperMarket
  • QuoteZone

 

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 2021.

Get a car insurance quote with Confused.com

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.

 

 

    ×