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What is RAC Car Insurance?

RAC is a trusted name in the UK for driving. They have various car insurance policies for all kinds of drivers. This includes learner drivers, young drivers, and those who want temporary cover. Many customers trust RAC because of their great customer service. Their car insurance offers UK drivers several coverage options. These options include comprehensive car insurance, third-party car insurance, and temporary car insurance. RAC’s policies aim to provide peace of mind and come with several benefits, such as:

  • You can add breakdown cover to your policy.
  • Policies can be tailored to fit your driving habits, like black box insurance.
  • You can get short-term cover that is flexible for your needs.

RAC car insurance is ready to support drivers in all situations. It provides full coverage for theft, fire, and accidents.

How to Get an RAC Car Insurance Quote

Getting a car insurance quote from RAC is simple. You can use Free Price Compare for this. To receive a quote, you just need to provide some important details.

  • Your personal details, like your name, address, and driving history.
  • The level of cover you need, which may be comprehensive or third party.
  • Information about your vehicle, including the make, model, and policy number if you are changing providers.

Using Free Price Compare, you can easily check RAC car insurance quotes and quotes from other companies. This lets you find the best deal for your coverage needs.

RAC Black Box Car Insurance Explained

RAC black box insurance is a great option for drivers who want to save on their insurance costs. This insurance uses special technology to monitor your driving. It tracks things like your speed, how you brake, and your driving habits. If you drive safely, you can get lower premiums.

Key features of RAC black box insurance:

  • A black box in your car keeps track of safe driving.
  • Your insurance premium changes depending on your driving skills, which can help you save money.
  • This is especially good for young or new drivers who want to cut down their costs.

Breakdown Cover with RAC Car Insurance

One great benefit of RAC car insurance is that you can combine it with RAC breakdown cover. This makes drivers feel safe on the road. They know that help is just a phone call away. With RAC's European breakdown cover, you are also protected when you drive in other countries.

Features of RAC breakdown cover:

  • Get help whenever you need it, both day and night, in the UK.
  • Choose from home rescue or roadside recovery options.
  • Enjoy support in over 50 European countries with European breakdown cover.
Breakdown Cover with RAC Car Insurance

RAC Car Insurance for Young Drivers and Learners

RAC has unique plans for young and learner drivers. They provide learner driver insurance and RAC black box car insurance. These plans support drivers under 25 with the high costs of car insurance.

Benefits include:

  • Young drivers can prove their safe driving and earn discounts using RAC’s black box technology.
  • You can improve your policy as you gain more driving experience.
  • There are temporary cover options for learners who need quick insurance.

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Short Term and Temporary Car Insurance with RAC

RAC temporary car insurance is a great option for anyone who needs car insurance for a short time. You can get coverage for a few days, several weeks, or even months. RAC offers short term cover for different situations like:

  • Getting a new car for a test drive
  • Insuring the new car while creating a long-term policy
  • Adding extra drivers to the policy for a short time

RAC’s short term cover provides you with full protection. It allows you the freedom you need for short-term situations.

RAC Insurance for Hybrid and Classic Cars

  • RAC has special insurance plans for hybrid and classic cars.
  • For classic cars, RAC offers:
  • Free agreed value cover ensures that the amount set for your vehicle is protected if it is lost completely.
  • You can access full vehicle checks. These checks help you understand your car's condition and protect its value.

Hybrid car owners can benefit from policies that meet their special needs. These policies can help with the unique features of hybrid technology and encourage green driving.

RAC Car Insurance for New and Learner Drivers

RAC Car Insurance for New and Learner Drivers

  • RAC offers custom insurance plans for new drivers.
  • These plans include several useful benefits.
  • Drivers who drive safely can get discounts on their car insurance.
  • You can choose temporary car insurance while you switch to a full policy.
  • There is special insurance just for learner drivers while they practice.

Understanding RAC Car Insurance Plus

RAC Car Insurance Plus offers extra benefits. These are more than what regular policies include. This special package has:

  • A full plan for stronger safety against theft, fire, and accidents.
  • Security with the uninsured driver promise, so you won’t be blamed if an uninsured driver hits you.
  • Lower admin fees and more choices for updating your policy.

This package is perfect for drivers who want peace of mind and added safety when they are on the road.

How to Make an RAC Insurance Claim

Filing an insurance claim with RAC is simple. If you have an accident or if your car is stolen, you can reach out to their call centre support. Here’s how to file a claim:

  • To begin your claim, contact RAC's customer service. Be sure to have your policy number and details about the incident ready.
  • Next, submit any supporting documents. This may include photos of the damage or a police report if something was stolen.
  • After that, RAC's panel of insurers will review your claim. They might assign you an approved repairer for any vehicle repairs.

The uninsured driver promise means that if you have an accident with a driver who does not have insurance, you will still keep your claims discount.

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Managing Your RAC Insurance Policy Online

RAC makes it simple to manage your insurance policy with their online portal. This includes:

  • You can view your policy documents and personal details.
  • You can make regular policy payments and see the status of automatic renewal.
  • You can get support from RAC through live chat or by calling their call centre.

Online account management helps you keep track of your insurance needs. You can make changes whenever you want.

RAC Car Insurance and Automatic Renewal: What You Need to Know

RAC policies typically renew automatically. This means your coverage won't stop all of a sudden. You can cancel or change your policy before it renews. Doing this can help you avoid extra admin fees. It's important to check your level of cover every year. Make sure it still matches what you need.

RAC Car Insurance and Automatic Renewal

How RAC Helps Drivers Save on Insurance Costs

RAC offers different ways for drivers to decrease their insurance costs.

  • You can receive a claims discount for safe driving and having no claims.
  • Young drivers and learners can get special discounts with black box insurance.
  • You can select policy packages like RAC Car Insurance Plus, which gives you benefits such as lower admin fees.

What Extras Can You Add to RAC Car Insurance?

  • RAC offers several extra options you can add to your policy.
  • A courtesy car while your car is being repaired
  • Breakdown cover to keep you safe on the road
  • Legal expenses help for handling legal problems

You can get European breakdown cover for your trips abroad. If you need to sell your car, you can also use free car listing services to help you.

RAC Customer Service and Support

RAC provides excellent customer service in many ways:

  • A call centre is open all day and night for urgent questions or claims.
  • You can use live chat support for quick questions or to change your policy.
  • For general enquiries, you can call their telephone number or visit their online portal.

RAC's opening hours and support services ensure that drivers can receive help whenever they need it.

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Key Cover Areas Rated of RAC Car Insurance

RAC Car Insurance: Key Cover Areas Rated

When choosing an insurance company, it is key to understand the coverage options and main features they provide. Knowing this can help you decide better. RAC car insurance puts you in the driving seat and offers several policies. These include Standard Comprehensive and Comprehensive Plus, each with different protection types. Here is a brief overview of the main coverage areas and ratings for these policies.

RAC Standard Comprehensive Car Insurance: Key Features

The RAC's Standard Comprehensive car insurance policy offers a good mix of coverage and price. This is why many drivers like it. Here are the key features and coverage options you need to know:

Feature Cover Details Rating
Fire excess Varies ★★☆☆☆
Theft excess Varies ★★☆☆☆
Accidental damage excess Varies ★★☆☆☆
Windscreen replacement excess £60 ★★★★☆
Is NCD affected if car is hit while parked? Yes, but can be reinstated ★★★☆☆
Windscreen damage limit per claim Market value / £185 ★★★★☆
Window damage limit per claim Market value / £185 ★★★★☆
Cancellation fee (after cooling-off period) £45 ★★★☆☆
Repairs guarantee period 3 years ★★★☆☆
Total loss courtesy car Optional extra ★★★☆☆
Replacement car (as standard) Provided as standard ★★★★★
Replacement car (guaranteed availability) Subject to availability ★★☆☆☆
Misfuelling cover Not covered -
Onward travel limit Not covered -
Driving other cars (cover level) Third party ★★★☆☆
Driving other cars (emergency use) No ★★★★★

Correct as of 18/10/2024

With RAC's Standard Comprehensive policy, you have good coverage for issues like windscreen damage and accidents. Still, features like misfuelling cover and onward travel are not included automatically. A big advantage of this policy is the replacement car option. You will get this at no extra charge if your car is declared a total loss. This helps you keep moving.

Replacing a windscreen costs £60, which is fair. But, the insurance for driving other cars only covers third-party damage. This means if you have an accident, your own car won’t be protected. If you frequently drive different vehicles, this may be a problem.

RAC Comprehensive Plus Car Insurance: Key Features

RAC Comprehensive Plus is designed for drivers who want more coverage. It offers extra features for better security and convenience. Here are the main coverage areas:

Feature Cover Details Rating
Fire excess Varies ★★☆☆☆
Theft excess Varies ★★☆☆☆
Accidental damage excess Varies ★★☆☆☆
Windscreen replacement excess £60 ★★★★☆
Is NCD affected if car is hit while parked? Yes, but can be reinstated ★★★☆☆
Windscreen damage limit per claim Market value / £185 ★★★★☆
Window damage limit per claim Market value / £185 ★★★★☆
Cancellation fee (after cooling-off period) £45 ★★★☆☆
Repairs guarantee period 3 years ★★★☆☆
Total loss courtesy car Optional extra ★★★☆☆
Replacement car (as standard) Provided as standard ★★★★★
Replacement car (guaranteed availability) Subject to availability ★★☆☆☆
Misfuelling cover Not covered -
Onward travel limit £200 ★★★☆☆
Driving other cars (cover level) Third party ★★★☆☆
Driving other cars (emergency use) No ★★★★★

Correct as of 18/10/2024

The RAC Comprehensive Plus policy gives you more than the Standard policy. It provides extra help for things like travelling onwards. There is a limit of £200 for onward travel, so you get better safety if you have a breakdown or other problems away from home. This is useful for people who travel a lot or depend on their car for long journeys.

The misfuelling cover is not part of the Standard policy. The extra fees for fire and theft can change. However, this policy has a great benefit: a replacement car. This feature gives you a big edge compared to simpler options from other companies. It is especially helpful for people who drive every day.

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Comparing Key Features

Both policies offer good coverage. However, the Comprehensive Plus version provides more protection. It is great for drivers who want peace of mind. Both plans cover damage to your windscreens and windows. But Comprehensive Plus includes helpful extras. These extras are things like travel assistance and better choices for renting a replacement car.

Feature Standard Comprehensive Comprehensive Plus
Fire/Theft/Accidental Damage Excess Varies Varies
Windscreen Replacement Excess £60 £60
Windscreen Damage Limit Market value / £185 Market value / £185
Onward Travel Limit Not covered £200
Replacement Car (Standard) Provided Provided
Replacement Car (Guaranteed) Subject to availability Subject to availability
Misfuelling Cover Not covered Not covered

Choosing the Right Policy for You

When deciding between RAC Standard Comprehensive and RAC Comprehensive Plus, consider how you drive and the level of cover you want. The Standard policy is great for regular driving. The Comprehensive Plus policy is better for long trips. It offers more security and better travel protection.

RAC Insurance Trustpilot Reviews

RAC Insurance has a TrustScore of 4.2 out of 5 on Trustpilot, from 725 reviews. This means most customers feel good about the service. Around 70% of the reviews gave it a 5 star rating. Many people praise RAC for its comprehensive cover and reliable service. On the other hand, 14% of customers rated it 1 star. Still, a lot of customers say it is easy to use and feel satisfied with the policy features.

RAC Insurance Trustpilot Reviews

FAQs About RAC Car Insurance

RAC offers several car insurance options. They provide comprehensive car insurance for full coverage. They also have third party insurance for basic protection. If you need insurance for a short time, you can get temporary car insurance. These car insurance policies cater to the different needs of drivers.

Yes, RAC lets you mix breakdown cover with your car insurance policy. This gives you extra protection.

RAC black box car insurance uses a special device to monitor how you drive. When you drive safely, you can lower your insurance costs over time.

Yes, RAC offers temporary car insurance options. These are great for short-term needs or for taking a quick test drive.

Yes, you can get RAC learner driver insurance and policies for young drivers. When you practice safe driving with black box insurance, you can earn discounts.

You can file an insurance claim by either calling RAC's call centre or using their online claims system. Make sure you have your policy number ready.

Yes, you can get test drive insurance from RAC for short-term coverage while you test drive a new or used car.

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Page last updated on: 04/12/2024

Page reviewed by: Shay Ramani

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